Gavop's guide to buying homeowners insurance in Deer Lodge 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $36,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $97,000 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $132,000 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $224,500 | $200,000 | $175,000-$200,000 |
| 5 Bedroom | $121,000 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $570 |
| Superior Protection Discount | -$70 | $626 |
| Fire & Security Discount | -$70 | $626 |
| Hail Resistant Roof Discount | -$14 | $682 |
| Newly Constructed Home Discount | -$139 | $556 |
| 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 |
| Deer Lodge County | $700 | $687 | $1,387 | $499 | $1,199 | $188 |
| Deer Lodge County, MT | $1,000 | $687 | $1,687 | $499 | $1,499 | $188 |
| Deer Lodge County, MT | $200 | $687 | $887 | $499 | $699 | $188 |
| Butte-Silver Bow Northwest, MT | $700 | $1,042 | $1,742 | $757 | $1,457 | $285 |
| Deer Lodge, MT | $300 | $718 | $1,018 | $522 | $822 | $196 |
| Walkerville, MT | $2,500 | $640 | $3,140 | $465 | $2,965 | $175 |
| Butte, MT | $200 | $847 | $1,047 | $616 | $816 | $232 |
| Drummond, MT | $700 | $1,054 | $1,754 | $766 | $1,466 | $288 |
| Elliston, MT | $300 | $946 | $1,246 | $687 | $987 | $258 |
| Ravalli County, MT | $700 | $1,056 | $1,756 | $767 | $1,467 | $289 |
| Corvallis, MT | $200 | $969 | $1,169 | $704 | $904 | $265 |
| Home Insurance Company Deer Lodge County, MT | Homeowners Insurance Agency Deer Lodge County, MT | Address | Popularity Score | Distance from Deer Lodge County (miles) |
|---|---|---|---|---|
| State Farm | Leo Mccarthy | 15 Discovery Dr, Butte, MT, 59701-3124 | 30.2 | |
| Liberty Mutual Independent | Montana Insurance Managers Llc | 1905 Ogden St, Anaconda, MT, 59711 | 8.1 | |
| Farmers | Bob Tvedt | 716 S 1st St, Hamilton, MT, 59840 | 49.8 | |
| Allstate | Larry Wokral | 401 E Front St, Butte, MT, 59701 | 30.0 | |
| State Farm | Barry Whitmore | 401 W Main St Ste A, Hamilton, MT, 59840-2470 | 50.1 | |
| State Farm | Mike Paffhausen | 3334 Harrison Ave, Butte, MT, 59701-3544 | 31.4 | |
| Allstate | Julie Daum | 1630 Harrison Ave, Butte, MT, 59701 | 30.7 | |
| State Farm | Karen Flynn | 712 Main St, Deer Lodge, MT, 59722-1419 | 28.1 | |
| State Farm | Jim Lynch | 600 Dewey Blvd, Butte, MT, 59701-3214 | 30.3 | |
| State Farm | Marc Spear | 170 S 2nd Street, Hamilton, MT, 59840-2561 | 50.0 |
| 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 |
| Deer Lodge County, MT | $116,700 | $696 | $530 | $910 | $380 |
| Deer Lodge County, MT | $116,700 | $696 | $530 | $910 | $380 |
| Deer Lodge County, MT | $116,700 | $696 | $530 | $910 | $380 |
| Butte-Silver Bow Northwest, MT | $196,900 | $1,055 | $800 | $1,380 | $580 |
| Deer Lodge, MT | $126,600 | $727 | $550 | $950 | $400 |
| Walkerville, MT | $77,900 | $648 | $490 | $850 | $360 |
| Butte, MT | $132,000 | $857 | $650 | $1,120 | $470 |
| Drummond, MT | $202,800 | $1,067 | $810 | $1,400 | $590 |
| Elliston, MT | $155,800 | $957 | $730 | $1,250 | $520 |
| Ravalli County, MT | $246,600 | $1,069 | $810 | $1,400 | $590 |
| Corvallis, MT | $164,800 | $981 | $750 | $1,290 | $540 |