Gavop shows you how to buy homeowners insurance in Libby, MT by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Libby, MT - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Libby Creek Ln, Post Rd, Washington Ave, Frazey Rd W, W Flower St, Treasure View Dr, Dawson St, Harper Creek Rd, E Larch St, Education Way | $208,000 | $170,000 | $175,000-$200,000 | $139,000 | $130,000 | $125,000-$150,000 |
| Pinecrest, Honeysuckle Ln, Cedar Meadows Rd, Kearney Ave, Co Hwy 508, Renwood Dr, Bayhorse Rd, Terrace View Rd, Blue Mountain Rd, Garden Rd | $201,000 | $190,000 | $200,000-$250,000 | $151,500 | $140,000 | $125,000-$150,000 |
| Kootenai Vista Dr, Post St, Crossroad Way, E 2nd St, E Gate Rd, E 9th St, Edgewater Dr, Quartz Mtn Rd, Kentana Pl, Parmenter Dr | $211,000 | $200,000 | $175,000-$200,000 | $139,500 | $120,000 | $125,000-$150,000 |
| Bobtail Rd, Lower Granite Rd, Frazey Loop, Crystal Lake Rd Finton, Highwood Dr, Glendora Ave, E Poplar St, Vicks Dr, Parmenter Rd, Woodland Rd | $158,500 | $140,000 | $175,000-$200,000 | $134,500 | $120,000 | $100,000-$125,000 |
| Mahoney Rd, Sunny Side Dr, Plummer Rd, Flower Lake Rd, Reserve Rd, Michigan Ave, Custer Ave, Natl Forest Develop Road 6723 Rd, Natl Forest Develop Road 7068 Rd, Rainbow Ln | $172,000 | $140,000 | $150,000-$175,000 | $112,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $701 |
| Superior Protection Discount | -$74 | $751 |
| Fire & Security Discount | -$82 | $742 |
| Hail Resistant Roof Discount | -$25 | $800 |
| Newly Constructed Home Discount | -$206 | $619 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,513 |
| Hail Damage | $4,853 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $17,222 |
| Home Insurance Company Libby, MT | Homeowners Insurance Agency Libby, MT | Address | Popularity Score | Distance from Libby (miles) |
|---|---|---|---|---|
| Travelers | Northwoods Insurance | 495 Dewey Ave, Eureka, MT, 59917 | 40.0 | |
| Travelers | Mike Grachek Agency Inc | 409 1st Ave E, Kalispell, MT, 59901 | 48.4 | |
| Travelers | Prime Insurance Services Inc | 5875 Us Hwy 93 S Ste B And D, Whitefish, MT, 59937 | 46.3 | |
| State Farm | Tj Wendt | 2129 Us Highway 2 E, Kalispell, MT, 59901-2813 | 49.6 | |
| Liberty Mutual Independent | Glacier Insurance Of Libby | 806 W 9th, Libby, MT, 59923 | 10.1 | |
| State Farm | Tim Murphy | 346 Central Ave, Whitefish, MT, 59937-2664 | 46.4 | |
| Travelers | Northwoods Insurance | 495 Dewey Ave , Eureka, MT, 59917 | 39.9 | |
| Liberty Mutual Independent | Bob Herron Insurance | 35 Main St, Kalispell, MT, 59901 | 48.2 | |
| Liberty Mutual Independent | Glacier Insurance Of Libby | 806 W 9th St, Libby, MT, 59923 | 11.0 | |
| Farmers | Shaine Reece | 40 Four Mile Dr Ste 8, Kalispell, MT, 59901 | 47.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Montana | $209,100 | $1,080 | $820 | $1,410 | $590 |
| Lincoln County, MT | $175,500 | $847 | $640 | $1,110 | $470 |
| Libby, MT | $165,100 | $825 | $630 | $1,080 | $450 |
| White Haven, MT | $67,100 | $587 | $450 | $770 | $320 |
| Pioneer Junction, MT | $162,100 | $974 | $740 | $1,280 | $540 |
| Lincoln County, MT | $175,500 | $847 | $640 | $1,110 | $470 |
| Eureka, MT | $196,400 | $885 | $670 | $1,160 | $490 |
| Fortine, MT | $154,200 | $953 | $720 | $1,250 | $530 |
| Yaak, MT | $250,000 | $1,155 | $880 | $1,510 | $630 |
| Olney, MT | $78,900 | $653 | $500 | $860 | $360 |
| Kila, MT | $268,800 | $1,191 | $910 | $1,560 | $650 |
| East Hope, ID | $250,000 | $716 | $490 | $980 | $490 |