Gavop's guide to buying homeowners insurance in Lockwood, 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 | $58,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $150,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $198,000 | $160,000 | $200,000-$250,000 |
| 4 Bedroom | $140,500 | $120,000 | $100,000-$125,000 |
| 5 Bedroom | $380,000 | $330,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $681 |
| Superior Protection Discount | -$84 | $757 |
| Fire & Security Discount | -$84 | $757 |
| Hail Resistant Roof Discount | -$25 | $816 |
| Newly Constructed Home Discount | -$168 | $673 |
| 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 |
| Yellowstone County | $2,000 | $994 | $2,994 | $722 | $2,722 | $272 |
| Lockwood, MT | $700 | $831 | $1,531 | $604 | $1,304 | $227 |
| Shepherd, MT | $400 | $1,150 | $1,550 | $836 | $1,236 | $314 |
| Northwest Yellowstone, MT | $2,000 | $1,195 | $3,195 | $869 | $2,869 | $327 |
| Laurel, MT | $500 | $797 | $1,297 | $579 | $1,079 | $218 |
| Pryor, MT | $1,000 | $726 | $1,726 | $528 | $1,528 | $198 |
| Edgar, MT | $400 | $884 | $1,284 | $643 | $1,043 | $242 |
| Joliet, MT | $1,000 | $1,084 | $2,084 | $788 | $1,788 | $296 |
| Hardin, MT | $400 | $864 | $1,264 | $628 | $1,028 | $236 |
| Fromberg-Bridger, MT | $1,500 | $933 | $2,433 | $678 | $2,178 | $255 |
| East Carbon, MT | $200 | $1,117 | $1,317 | $812 | $1,012 | $305 |
| Musselshell, MT | $1,000 | $584 | $1,584 | $424 | $1,424 | $160 |
| Home Insurance Company Lockwood, MT | Homeowners Insurance Agency Lockwood, MT | Address | Popularity Score | Distance from Lockwood (miles) |
|---|---|---|---|---|
| Farmers | Heather Daffin | 2870 Grand Ave, Billings, MT, 59102 | 10.0 | |
| Travelers | Jackson And Iverson Insurance | 2619 Saint Johns Ave Ste C, Billings, MT, 59102 | 10.0 | |
| State Farm | Jeff Keil | 935 Grand Ave, Billings, MT, 59102-3301 | 7.8 | |
| Travelers | Bidlake Agency | 2905 Millennium Cir Ste 3, Billings, MT, 59108 | 10.9 | |
| Liberty Mutual Independent | Beard Insurance Agency | 1601 Lewis Ave Ste 104b, Billings, MT, 59102 | 8.6 | |
| Allstate | Michael Hass | 1620 Alderson Ave, Billings, MT, 59102 | 8.6 | |
| Farmers | George Schmalz | 1211 24th St W Ste 5, Billings, MT, 59102 | 9.5 | |
| Farmers | Don Crawford | 520 Wicks Ln Ste 9, Billings, MT, 59105 | 3.8 | |
| State Farm | Jeff Boyd | 2323 Broadwater Ave, Billings, MT, 59102-4766 | 9.5 | |
| State Farm | Diana Larson | 3202 Henesta Dr Ste J, Billings, MT, 59102-7021 | 11.1 |
| 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 |
| Yellowstone County, MT | $210,500 | $1,006 | $760 | $1,320 | $560 |
| Lockwood, MT | $172,600 | $841 | $640 | $1,100 | $460 |
| Shepherd, MT | $254,500 | $1,164 | $880 | $1,520 | $640 |
| Northwest Yellowstone, MT | $278,000 | $1,210 | $920 | $1,590 | $670 |
| Laurel, MT | $238,500 | $806 | $610 | $1,060 | $450 |
| Pryor, MT | $95,000 | $735 | $560 | $960 | $400 |
| Edgar, MT | $135,300 | $895 | $680 | $1,170 | $490 |
| Joliet, MT | $218,200 | $1,097 | $830 | $1,440 | $610 |
| Hardin, MT | $129,200 | $874 | $660 | $1,140 | $480 |
| Fromberg-Bridger, MT | $151,000 | $944 | $720 | $1,240 | $520 |
| East Carbon, MT | $236,800 | $1,131 | $860 | $1,480 | $620 |
| Musselshell, MT | $67,900 | $591 | $450 | $770 | $320 |