Gavop's guide to buying homeowners insurance in Lewis and Clark 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.
| Lewis and Clark 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 | |
| Foxtail Ln, Pelican Rd, N Dodge Ave, Hilma Dr, Clarke Pl, Downy Ct, Treasure Canyon Dr, la Salle Ln, Rattlesnake Creek Rd, Seven Up Ln | $121,000 | $110,000 | $125,000-$150,000 | $142,500 | $130,000 | $150,000-$175,000 |
| Greenfield Loop, Gemstone Dr, Stagecoach Dr, Eastview Rd, Spring Hill Rd, Goodwin Dr, Wilder Ave, Diamond Dr, Great Northern Blvd, Roselak Rd | $161,000 | $130,000 | $175,000-$200,000 | $131,000 | $120,000 | $100,000-$125,000 |
| I- 15 Bus, 18th Ave, Saddle Bill Rd, Taylor Trl, Ohio Ave, Walrath St, Bighorn Rd, N Prickley Pear Ave, Rodney Ct, Tennis Pl | $227,500 | $200,000 | $250,000-$300,000 | $149,000 | $120,000 | $125,000-$150,000 |
| Dakota Valley Pkwy, Grand St, McDonald Dr, Blossburg Rd, Eberl Ln, Gradestake St, E Pacific St, Phantom Spring Ln, Bonanza Dr, Giant View Dr | $256,500 | $230,000 | $250,000-$300,000 | $102,500 | $90,000 | $100,000-$125,000 |
| Countryside Rd, Iron Siding Dr, Twin Peaks Rd, Byron Rd, N Oregon St, Tizer Rd, Windflower Dr, S Warren St, McClellan Creek Rd, N Ewing St | $383,500 | $340,000 | $400,000-$500,000 | $248,500 | $220,000 | $250,000-$300,000 |
| E Main St, Grey Rock Rd, Abbey St, Stadler Rd, Arrow Dr, Erin Ct, S Helena Ave, Nettleton Ct, Bucking Horse Ln, Antelope Way | $265,500 | $250,000 | $200,000-$250,000 | $106,000 | $90,000 | $100,000-$125,000 |
| E 6th Ave, E 6th Ave, Dorothy St, Hideout St, Co Rd 284, Sorenson Rd, Shilo Ln, Co Rd 279, Carter Dr, Co Rd 430 | $277,000 | $230,000 | $300,000-$350,000 | $240,000 | $210,000 | $200,000-$250,000 |
| Kismet Dr, Centerview Rd, Deer Park Dr, State St, Waukesha Ave, University St, Bompart Ln, Malibu Loop, Patterson Loop, 4th St | $135,500 | $110,000 | $150,000-$175,000 | $120,000 | $110,000 | $75,000-$100,000 |
| Winston St, Nat For Dev Rd 218, Dead Man Rd, Meadowlark Ln, A St, Sea Ray Rd, S Oakes St, E Lincoln Rd, Cheyenne Rd, Alpine Ln | $202,500 | $180,000 | $200,000-$250,000 | $150,000 | $120,000 | $100,000-$125,000 |
| E King St, Bonner Rd, Dalton Mountain Rd, Knot A Rd, E Mustang Rd, Divine Rd, W Placer Ave, Sioux Rd, Fieldcross Ln, Frost Aly | $187,500 | $180,000 | $150,000-$175,000 | $199,000 | $170,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$164 | $860 |
| Superior Protection Discount | -$92 | $932 |
| Fire & Security Discount | -$92 | $932 |
| Hail Resistant Roof Discount | -$20 | $1,003 |
| Newly Constructed Home Discount | -$256 | $768 |
| 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 |
| Lewis and Clark County | $2,500 | $1,012 | $3,512 | $735 | $3,235 | $276 |
| Lewis and Clark County, MT | $2,500 | $1,012 | $3,512 | $735 | $3,235 | $276 |
| Augusta, MT | $100 | $1,014 | $1,114 | $737 | $837 | $277 |
| Marysville, MT | $1,500 | $1,052 | $2,552 | $765 | $2,265 | $288 |
| Powell County, MT | $300 | $758 | $1,058 | $551 | $851 | $207 |
| Simms, MT | $1,000 | $944 | $1,944 | $686 | $1,686 | $258 |
| Cascade, MT | $400 | $1,069 | $1,469 | $777 | $1,177 | $292 |
| South Hills, MT | $500 | $1,550 | $2,050 | $1,127 | $1,627 | $424 |
| Ulm, MT | $1,500 | $1,086 | $2,586 | $789 | $2,289 | $297 |
| Vaughn, MT | $100 | $872 | $972 | $634 | $734 | $238 |
| Great Falls, MT | $1,500 | $942 | $2,442 | $684 | $2,184 | $257 |
| Home Insurance Company Lewis and Clark County, MT | Homeowners Insurance Agency Lewis and Clark County, MT | Address | Popularity Score | Distance from Lewis and Clark County (miles) |
|---|---|---|---|---|
| Farmers | Brent Reed | 1117 Helena Ave, Helena, MT, 59601 | 40.1 | |
| State Farm | Jim Donaldson | 1225 Birch, Helena, MT, 59601-0617 | 39.3 | |
| State Farm | Amber Lamping | 3224 Centennial Dr, Helena, MT, 59601-9747 | 41.4 | |
| Allstate | Rory Hoffman | 1916 N Montana Ave, Helena, MT, 59601 | 39.7 | |
| Allstate | Carrie Martin | 1134 Butte Ave, Helena, MT, 59601 | 40.4 | |
| Farmers | Kirk Reisbeck | 1030 N Montana Ave, Helena, MT, 59601 | 40.3 | |
| State Farm | Jeff Bolstad | 1040 W Custer Ave, Helena, MT, 59602-0504 | 38.9 | |
| State Farm | Gayle Grimsrud | 1303 11th Avenue, Helena, MT, 59601-3919 | 40.6 | |
| Farmers | Wayne Kovick | 1617 Euclid Ave, Helena, MT, 59601 | 38.9 | |
| State Farm | Buck Maclaurin | 601 Euclid Ave Ste D, Helena, MT, 59601-2400 | 39.5 |
| 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 |
| Lewis and Clark County, MT | $220,600 | $1,024 | $780 | $1,340 | $560 |
| Lewis and Clark County, MT | $220,600 | $1,024 | $780 | $1,340 | $560 |
| Augusta, MT | $183,500 | $1,026 | $780 | $1,340 | $560 |
| Marysville, MT | $201,900 | $1,065 | $810 | $1,400 | $590 |
| Powell County, MT | $141,000 | $767 | $580 | $1,000 | $420 |
| Simms, MT | $155,100 | $955 | $730 | $1,250 | $520 |
| Cascade, MT | $210,500 | $1,082 | $820 | $1,420 | $600 |
| South Hills, MT | $388,200 | $1,569 | $1,190 | $2,060 | $870 |
| Ulm, MT | $219,400 | $1,099 | $840 | $1,440 | $600 |
| Vaughn, MT | $131,700 | $883 | $670 | $1,160 | $490 |
| Great Falls, MT | $169,400 | $953 | $720 | $1,250 | $530 |