Gavop shows you how to buy homeowners insurance in Lincoln County, MT by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Lincoln 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 | |
| Louisiana Ave, E Lincoln Blvd, Spencer Hill Ave, W Spruce St, Pluid Rd, S Halo Ct, Bighorn Way, Lp Connector Rd, 15018, Black Lk Rd | $110,500 | $90,000 | $100,000-$125,000 | $135,500 | $130,000 | $100,000-$125,000 |
| Alder Ln, Pine St, Mountain Circle Dr, 15804A, Srolling Hills Rd, 6th St E, Hawkeye Ln, E Maple St, Northwood Ave, Center Dr | $125,500 | $110,000 | $100,000-$125,000 | $150,500 | $120,000 | $150,000-$175,000 |
| Lundeen Rd, E Side Flower Creek Rd, Whitetail Rd, Vacation Rd, Fish Hatchery Rd, Echo Ln, W Bush St, Alpine Valley Rd, 15479, Valleyview Loop | $214,000 | $180,000 | $200,000-$250,000 | $158,000 | $140,000 | $175,000-$200,000 |
| Fox Rd, Doonan View Dr, Burma Rd, Kootenai River Rd, Long Meadow Rd, Regh Ave, Graystone Path, Nat For Dev Rd 533, Doak Creek Rd, Winter Rd | $189,000 | $160,000 | $200,000-$250,000 | $151,500 | $140,000 | $175,000-$200,000 |
| Iron Grouse Rd, Yaak Valley-Libby Dam Rd W, Hamonn Ave, Mountain Ave, Chief Joseph Rd, Education Way, Terning Dr E, 15003, Natl Forest Develop Road 68 Rd, Park Ave | $174,000 | $160,000 | $175,000-$200,000 | $224,500 | $210,000 | $200,000-$250,000 |
| Pinewood Ln, Beachward Trl, Elk Mountain Way, Natl Forest Develop Road 92 Rd, Lakeshore Dr, Rabbitt Obrien Rd, Crossroad Way, River Edge Ln, Elk Trl, Natl Forest Develop Road 3655 Rd | $216,500 | $200,000 | $175,000-$200,000 | $157,500 | $150,000 | $150,000-$175,000 |
| Natl Forest Develop Road 749 Rd, Hood Dr, Nat For Dev Rd 433, Lake Shore Dr, Coyote Run, Natl Forest Develop Road 756 Rd, National Forest Rd 7176, Elk Mountain Rd, Montana Ave, Yaakriver Rd | $259,000 | $240,000 | $200,000-$250,000 | $131,000 | $110,000 | $125,000-$150,000 |
| Minnesota Ave, W 10th St, Pine Valley Dr, Old US Hwy 2 S, Elijah Dr, Glen Lake Dr, Sunset St, Forest Loop Rd, Linda Ln, E 9th St | $278,500 | $230,000 | $250,000-$300,000 | $157,000 | $140,000 | $150,000-$175,000 |
| Grizzley Gulch Rd, Hogan Dr, Ninneman Rd, Bobtail Cutoff Rd, Olsen Hill Dr, Sophie Dr, Natl Forest Develop Road 278 Rd, Loon Lake Rd, Scotts Stroll, E Riverside Ave | $218,000 | $200,000 | $200,000-$250,000 | $136,500 | $120,000 | $125,000-$150,000 |
| Tamarack Ln, Rosa Rd, Kearney Ave, Luciano Rd, Whitetail Ln, Eureka Hts, Hidden Estates Dr, Freeman Ridge Rd, Burnt Dutch Rd, Treasure Mtn Ln | $225,500 | $210,000 | $200,000-$250,000 | $135,500 | $110,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$76 | $771 |
| Home and Two Car | -$144 | $703 |
| Home and Three Car | -$212 | $635 |
| 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 |
| Lincoln County | $700 | $837 | $1,537 | $608 | $1,308 | $229 |
| Lincoln County, MT | $2,500 | $837 | $3,337 | $608 | $3,108 | $229 |
| Libby, MT | $300 | $815 | $1,115 | $592 | $892 | $223 |
| Pioneer Junction, MT | $1,000 | $962 | $1,962 | $699 | $1,699 | $263 |
| Troy, MT | $200 | $1,022 | $1,222 | $742 | $942 | $279 |
| Yaak, MT | $1,500 | $1,141 | $2,641 | $829 | $2,329 | $312 |
| Eureka, MT | $200 | $875 | $1,075 | $636 | $836 | $239 |
| Rexford, MT | $1,000 | $1,073 | $2,073 | $780 | $1,780 | $293 |
| Kalispell Northwest, MT | $2,500 | $1,236 | $3,736 | $898 | $3,398 | $338 |
| Heron, MT | $300 | $847 | $1,147 | $615 | $915 | $231 |
| Bonners Ferry, ID | $1,000 | $613 | $1,613 | $445 | $1,445 | $167 |
| Home Insurance Company Lincoln County, MT | Homeowners Insurance Agency Lincoln County, MT | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| State Farm | Tim Murphy | 346 Central Ave, Whitefish, MT, 59937-2664 | 49.9 | |
| Travelers | Northwoods Insurance | 495 Dewey Ave , Eureka, MT, 59917 | 28.4 | |
| Liberty Mutual Independent | Glacier Insurance Of Libby | 806 W 9th, Libby, MT, 59923 | 12.7 | |
| Travelers | Northwoods Insurance | 495 Dewey Ave, Eureka, MT, 59917 | 28.5 | |
| Liberty Mutual Independent | Glacier Insurance Of Libby | 806 W 9th St, Libby, MT, 59923 | 12.7 | |
| Farmers | Steve Bertelsen | 319 W 9th St, Libby, MT, 59923 | 12.7 | |
| Travelers | Erlandson Insurance Agency | 120 W 5th St Ste 2, Libby, MT, 59923 | 12.5 | |
| State Farm | Teresa Wilson | 403 W 9th St, Libby, MT, 59923-1766 | 12.7 | |
| Travelers | Thomas J Wood Insurance Agency | 910 Montana Ave, Libby, MT, 59923 | 12.7 | |
| Allstate | Pete Russell | 750 2nd St W Ste B, Whitefish, MT, 59937 | 49.1 |
| 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 |
| Lincoln County, MT | $175,500 | $847 | $640 | $1,110 | $470 |
| Libby, MT | $165,100 | $825 | $630 | $1,080 | $450 |
| Pioneer Junction, MT | $162,100 | $974 | $740 | $1,280 | $540 |
| Troy, MT | $187,000 | $1,034 | $790 | $1,350 | $560 |
| Yaak, MT | $250,000 | $1,155 | $880 | $1,510 | $630 |
| Eureka, MT | $196,400 | $885 | $670 | $1,160 | $490 |
| Rexford, MT | $212,500 | $1,086 | $830 | $1,420 | $590 |
| Kalispell Northwest, MT | $297,200 | $1,251 | $950 | $1,640 | $690 |
| Heron, MT | $124,300 | $857 | $650 | $1,120 | $470 |
| Bonners Ferry, ID | $171,600 | $620 | $450 | $870 | $420 |