How Can I Make My Missoula, MT Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Missoula, MT by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Select the Suitable Coverage Value for your Missoula, MT Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $84,500 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $191,500 | $180,000 | $150,000-$175,000 |
| 3 Bedroom | $186,000 | $150,000 | $200,000-$250,000 |
| 4 Bedroom | $446,000 | $370,000 | $350,000-$400,000 |
| 5 Bedroom | $570,000 | $460,000 | $500,000-$600,000 |
Estimate your Savings with Home Insurance Discounts in Missoula, MT | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$172 | $905 |
| Superior Protection Discount | -$97 | $981 |
| Fire & Security Discount | -$97 | $981 |
| Hail Resistant Roof Discount | -$22 | $1,056 |
| Newly Constructed Home Discount | -$291 | $787 |
Choose the Right Deductible for your Missoula, MT Home | Back to Top
| 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 |
| Missoula County | $1,500 | $1,078 | $2,578 | $783 | $2,283 | $295 |
| Missoula, MT | $1,000 | $1,065 | $2,065 | $774 | $1,774 | $291 |
| Missoula, MT | $400 | $1,065 | $1,465 | $774 | $1,174 | $291 |
| East Missoula, MT | $2,500 | $1,043 | $3,543 | $758 | $3,258 | $285 |
| Florence, MT | $1,000 | $1,123 | $2,123 | $816 | $1,816 | $307 |
| Seeley Lake-Blackfoot Valley, MT | $300 | $1,131 | $1,431 | $822 | $1,122 | $309 |
| Frenchtown-Wye, MT | $1,500 | $1,210 | $2,710 | $880 | $2,380 | $331 |
| St. Ignatius, MT | $200 | $831 | $1,031 | $604 | $804 | $227 |
| Alberton, MT | $1,000 | $962 | $1,962 | $699 | $1,699 | $263 |
| Old Agency, MT | $400 | $277 | $677 | $201 | $601 | $76 |
| Maxville, MT | $2,000 | $1,252 | $3,252 | $910 | $2,910 | $342 |
Identify Top Home Insurance Agents near Missoula, MT | Back to Top
| Home Insurance Company Missoula, MT | Homeowners Insurance Agency Missoula, MT | Address | Popularity Score | Distance from Missoula (miles) |
|---|---|---|---|---|
| State Farm | Jake Eby | 1330 W Broadway St Ste B, Missoula, MT, 59802-2240 | 7.9 | |
| Farmers | Jeremy Belcourt | 2501 S Catlin St Ste 105, Missoula, MT, 59801 | 8.0 | |
| Farmers | Holly Kingsford | 2825 Stockyard Rd Ste A7, Missoula, MT, 59808 | 9.2 | |
| State Farm | Scott Lucier | 534 N Higgins Ave, Missoula, MT, 59802-4535 | 6.8 | |
| Allstate | Randy Mitchell | 1410 S Reserve St Ste 104, Missoula, MT, 59801 | 8.9 | |
| State Farm | Darby South | 1015 Mount Ave Ste A, Missoula, MT, 59801-5680 | 7.6 | |
| Farmers | Brian Potton | 221 Main St, Stevensville, MT, 59870 | 26.4 | |
| State Farm | Barry Whitmore | 401 W Main St Ste A, Hamilton, MT, 59840-2470 | 44.5 | |
| Allstate | Troy Dennison | 1739 South Ave W, Missoula, MT, 59801 | 8.1 | |
| Farmers | Douglas Reeves | 715 Kensington Ave Ste 13, Missoula, MT, 59801 | 7.4 |
Compare Rates for Missoula, MT Home Insurance Providers | Back to Top
| 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 |
| Missoula County, MT | $259,600 | $1,091 | $830 | $1,430 | $600 |
| Missoula, MT | $252,100 | $1,078 | $820 | $1,410 | $590 |
| Missoula, MT | $252,100 | $1,078 | $820 | $1,410 | $590 |
| East Missoula, MT | $197,100 | $1,056 | $800 | $1,380 | $580 |
| Florence, MT | $240,200 | $1,137 | $860 | $1,490 | $630 |
| Seeley Lake-Blackfoot Valley, MT | $244,500 | $1,145 | $870 | $1,500 | $630 |
| Frenchtown-Wye, MT | $285,300 | $1,225 | $930 | $1,600 | $670 |
| St. Ignatius, MT | $120,000 | $841 | $640 | $1,100 | $460 |
| Alberton, MT | $162,100 | $974 | $740 | $1,280 | $540 |
| Old Agency, MT | $23,800 | $280 | $210 | $370 | $160 |
| Maxville, MT | $303,800 | $1,267 | $960 | $1,660 | $700 |
Research Home Insurance Companies Reviews in Missoula, MT Before Buying | Back to Top
Share a review on your home insurance company
Liberty Mutual Home Insurance Reviews
Date: October 15, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
I have been insured with this company for in excess of 20 years and have never filed a claim. My few contact have been average.
Date: February 24, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
I think that my premium and deductible is probably about the same as most insurance companies
GEICO Home Insurance Reviews
Date: July 30, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I was very satisifed with the customer service that i received,The Customer rep Carlos was very attentive and friendly. He was able to explain all my options and had a good sense of humor.
Date: January 15, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
I pay pretty much the same on my home insurance as most of my friends do. I know Geico has competitive rates and I'm sure they are close to the same as other large insurance companies.
Farm Bureau Home Insurance Reviews
Date: September 20, 2019 Age: Above 60 Gender: Female Marital Status: Married
Policy Offerings
Farm Bureau offers very good coverage on the property. This includes the home and outbuilding. It also includes a generous allotment for contents of the home and for personal injury.
AAA Home Insurance Reviews
Date: November 07, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
I have always found the people working at AAA to be friendly and helpful. They are always willing to look for answers I need.
Progressive Home Insurance Reviews
Date: December 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
they don't offer flood insurance. And it cost more to have a indoor woodstove.
Nationwide Home Insurance Reviews
Date: December 20, 2019 Age: Above 60 Gender: Male Marital Status: Married
Customer Service
Nationwide has provided very good customer service for us. When we had hail damage a few years ago they were immediately responsive and covered our damage in full with absolutely no inconveniences.
Allstate Home Insurance Reviews
Date: January 07, 2020 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I would rate their policy offerings as a 5. What they offer appears to be on par with other home insurance companies. We did not require any special additions, so they offered exactly the type of policy that we needed.
State Farm Home Insurance Reviews
Date: April 08, 2019 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Premium
I chose to have higher deductibles in order to have a lower annual premium. Compared to other providers with the same coverages and deductables I think State Farm compares well.
MetLife Home Insurance Reviews
Date: November 10, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
Household structure damage against natural disaster fires and other damages with respect to landslides