Gavop's guide to buying homeowners insurance in Ravalli County, MT covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Ravalli County, 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 | |
| Caribou Ln, Orion Belt Way, Middle Bear Creek Rd, Pineview Dr, 6th Ave, Iowa Ave, Captivating Way, Hilltop Dr, Clover Ln, L St | $175,500 | $160,000 | $125,000-$150,000 | $227,000 | $210,000 | $250,000-$300,000 |
| Wild Bird Ln, Curlew Orchard Rd, Mill Creek Trail Rd, Upper Sweeney Creek Loop, North Trl, Sagebrush Ln, P St S, Spiritwood Rd, Foxy Ridge Rd, Flying Ln | $294,000 | $270,000 | $250,000-$300,000 | $219,500 | $200,000 | $200,000-$250,000 |
| Evergreen Rd, Brady Ln, Miri Ln, Chief Looking Glass Rd, Bearcat Ln, Karen Dr, Vista Pines Dr, Lil Drawers Ln, E 16th St, Jenne Ln | $199,500 | $180,000 | $175,000-$200,000 | $121,500 | $100,000 | $100,000-$125,000 |
| Antrim Ln, Songbird Trl, Weber Dr, Viewpoint Dr, Canyon View Ln, Lake Como Rd, State Hwy 472, New Hope Ln, Higgins Ln, Springer Rd | $185,000 | $160,000 | $150,000-$175,000 | $113,500 | $110,000 | $75,000-$100,000 |
| Happy Acres Ln, Moiese Ln, D St W, State Hwy 370, Victor Xing W, 5th Ave, Mill St, 32nd St, Pasture Draw Rd, Briarwood Ln | $179,000 | $160,000 | $150,000-$175,000 | $136,500 | $130,000 | $100,000-$125,000 |
| Farrel St, Lone Buck Trl, Bond Ln, Maple St, Kingwood Trl, Country Club Ln, Yarrow Rd, Moose Meadow Ln, Winsor Ln, Chaffin Creek Rd | $414,000 | $340,000 | $400,000-$500,000 | $307,500 | $250,000 | $300,000-$350,000 |
| Wild Game, Gird Creek Ln, Arrow Hill Dr, Red Tail Ln, Elohim Way, Fox Run Trl, Reeves Ln, Curdys Cove Loop, Teak Ln, 30th St | $270,000 | $240,000 | $250,000-$300,000 | $178,000 | $140,000 | $175,000-$200,000 |
| N Clifton St, Bowman Rd, W G St, Rode Way, Hamilton Airport Rd, Highline Way, Porter Hill Rd, Sanlia Ln, 18th St, Black Ln | $132,000 | $110,000 | $125,000-$150,000 | $160,000 | $140,000 | $150,000-$175,000 |
| Balsam Dr, Conner Cutoff Rd, 2nd St, Three Pond Dr, Kenneys Dr, Elk Trl, Bogert Ct, Bell Xing W, James Dr, la Fontaine Ln | $237,000 | $190,000 | $200,000-$250,000 | $169,000 | $150,000 | $125,000-$150,000 |
| Schueler Ln, Mockingbird Hill, Drift in, Hollibaugh Rd, Garnet Ln, Meyer Ln, Judith Ln, E Southwic Ave, N 7th St, Norman Way | $197,500 | $170,000 | $200,000-$250,000 | $173,500 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $908 |
| Superior Protection Discount | -$96 | $972 |
| Fire & Security Discount | -$118 | $951 |
| Hail Resistant Roof Discount | -$21 | $1,047 |
| Newly Constructed Home Discount | -$235 | $833 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Ravalli County | $1,500 | $1,056 | $2,556 | $767 | $2,267 | $289 |
| Ravalli County, MT | $2,500 | $1,056 | $3,556 | $767 | $3,267 | $289 |
| Hamilton, MT | $500 | $780 | $1,280 | $567 | $1,067 | $213 |
| Corvallis, MT | $1,000 | $969 | $1,969 | $704 | $1,704 | $265 |
| Pinesdale, MT | $200 | $950 | $1,150 | $691 | $891 | $260 |
| Stevensville, MT | $2,000 | $846 | $2,846 | $615 | $2,615 | $231 |
| Philipsburg, MT | $200 | $1,109 | $1,309 | $806 | $1,006 | $303 |
| Granite County, MT | $2,000 | $911 | $2,911 | $662 | $2,662 | $249 |
| Deer Lodge County, MT | $400 | $687 | $1,087 | $499 | $899 | $188 |
| Anaconda-Deer Lodge County, MT | $1,000 | $818 | $1,818 | $595 | $1,595 | $224 |
| Big Hole Basin, MT | $100 | $1,116 | $1,216 | $811 | $911 | $305 |
| Drummond, MT | $700 | $1,054 | $1,754 | $766 | $1,466 | $288 |
| Home Insurance Company Ravalli County, MT | Homeowners Insurance Agency Ravalli County, MT | Address | Popularity Score | Distance from Ravalli County (miles) |
|---|---|---|---|---|
| Farmers | Brian Potton | 221 Main St, Stevensville, MT, 59870 | 29.8 | |
| Farmers | Bob Tvedt | 716 S 1st St, Hamilton, MT, 59840 | 11.2 | |
| State Farm | Barry Whitmore | 401 W Main St Ste A, Hamilton, MT, 59840-2470 | 11.7 | |
| State Farm | Marc Spear | 170 S 2nd Street, Hamilton, MT, 59840-2561 | 11.7 | |
| Allstate | Randy Mitchell | 39 Stevensville Cutoff Rd, Stevensville, MT, 59870 | 30.3 | |
| Travelers | Grenfell Insurance & Financial Services, Inc. | 708 South 1st Street, Hamilton, MT, 59840 | 11.2 | |
| State Farm | Marc Spear | 170 S 2nd St Ste D, Hamilton, MT, 59840-2559 | 11.7 | |
| Liberty Mutual Independent | Paynewest Insurance | 400 W Main St Ste 102, Hamilton, MT, 59840 | 11.8 | |
| Liberty Mutual Independent | Paynewest Insurance Inc. | 316 Main St, Stevensville, MT, 59870 | 29.7 | |
| Liberty Mutual Independent | Hub International Mountain States Limited | 201 N. Second St., Hamilton, MT, 59840 | 11.6 |
| 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 |
| Ravalli County, MT | $246,600 | $1,069 | $810 | $1,400 | $590 |
| Ravalli County, MT | $246,600 | $1,069 | $810 | $1,400 | $590 |
| Hamilton, MT | $225,100 | $789 | $600 | $1,030 | $430 |
| Corvallis, MT | $164,800 | $981 | $750 | $1,290 | $540 |
| Pinesdale, MT | $157,400 | $962 | $730 | $1,260 | $530 |
| Stevensville, MT | $276,000 | $857 | $650 | $1,120 | $470 |
| Philipsburg, MT | $231,600 | $1,122 | $850 | $1,470 | $620 |
| Granite County, MT | $218,900 | $922 | $700 | $1,210 | $510 |
| Deer Lodge County, MT | $116,700 | $696 | $530 | $910 | $380 |
| Anaconda-Deer Lodge County, MT | $116,700 | $828 | $630 | $1,080 | $450 |
| Big Hole Basin, MT | $236,100 | $1,130 | $860 | $1,480 | $620 |
| Drummond, MT | $202,800 | $1,067 | $810 | $1,400 | $590 |