Gavop's guide to buying homeowners insurance in Flathead 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.
| Flathead 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 | |
| Sandbox Ln, Country Way, Lupfer Rd, Cheery Lynn Ct, Krause Basin Rd, Cyclone Dr, Gordon Ave, Trapline Trl, Tamarack Dr, Chevy Chase Dr | $405,500 | $360,000 | $400,000-$500,000 | $255,000 | $240,000 | $250,000-$300,000 |
| Lakeside Ave, Wildflower Ln, Inspiration Dr E, Bell St, Kaeding Creek Rd, Honeysuckle Ln, Velva Dr, W Reserve Dr, Creek View Ct, 6th Ave W | $263,000 | $230,000 | $200,000-$250,000 | $305,500 | $290,000 | $250,000-$300,000 |
| Widgeon Ct, Painte Horse Dr, Locarno Dr, Snowberry Trl, W Lakeshore Dr, Stagecoach Dr, Elk Ridge Rd, Larchwood Ln, Katherine Ct, Tronstad Dr | $276,000 | $230,000 | $200,000-$250,000 | $197,500 | $170,000 | $175,000-$200,000 |
| Steele Dr, Reimer Ln, E 4th St, Somers Ridge, Kinnikinnik Cir, 4th St SE, Browns Rd, Birchgrove Rd, School Addition Rd, Eckelberry Dr | $486,000 | $430,000 | $400,000-$500,000 | $380,000 | $360,000 | $400,000-$500,000 |
| Mountain Shadows Dr, Old Tally Lake Rd, Double Lake Dr, Coyote Meadow Trl, Mather Dr, Roberts Rd, 4th St E, Wendt Way, Fox Farm Rd, E 7th St | $304,500 | $270,000 | $200,000-$250,000 | $296,000 | $240,000 | $350,000-$400,000 |
| Butterfly Ln, N Fork Rd, Parker Lake Rd, Moose Creek Rd, Diamond Ct, Dode Rd, el Rancho Rd, Mount Creek Dr, 8th Ave W, Dawson Trl | $269,500 | $250,000 | $250,000-$300,000 | $205,500 | $180,000 | $200,000-$250,000 |
| W Evergreen Dr, Iowa Ave, Dyer Rd, 3rd St E, Glazier Ln, W Land Dr, Bear Mountain Rd, Best View Dr, Commons Loop, N Many Lakes Dr | $346,500 | $320,000 | $350,000-$400,000 | $228,000 | $200,000 | $200,000-$250,000 |
| Pheasant Haven Dr, Somers Stage Rd, Hummingbird, Izaak Walton Inn Rd, Aspen Ct, Forest Hill Village, Tallent Ln, Lone Star Trl, Natl Forest Develop Road 60E Rd, Valley Rose Ln | $305,000 | $280,000 | $250,000-$300,000 | $204,500 | $180,000 | $175,000-$200,000 |
| Whale Creek Rd, Leonard Ln, Twin Acres Dr, Siblerud Ln, Bluestone Dr, Bowdish Rd, Rogers Ln, Bison Hollow Rd, Rimini Rd, Sheepherder Hill Rd | $207,000 | $180,000 | $175,000-$200,000 | $123,500 | $100,000 | $125,000-$150,000 |
| Parma Dr, Saddlehorn Trl, Creek View Dr, Plummers Lake Dr, Freds Way, Steel Bridge Rd, Juniper Rd, Vista Ln, E 2nd St, Nicholson Dr | $175,500 | $150,000 | $125,000-$150,000 | $221,000 | $190,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$203 | $866 |
| Superior Protection Discount | -$96 | $972 |
| Fire & Security Discount | -$107 | $962 |
| Hail Resistant Roof Discount | -$21 | $1,047 |
| Newly Constructed Home Discount | -$278 | $791 |
| 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 |
| Flathead County | $2,500 | $1,056 | $3,556 | $767 | $3,267 | $289 |
| Flathead County, MT | $1,500 | $1,056 | $2,556 | $767 | $2,267 | $289 |
| Coram, MT | $100 | $951 | $1,051 | $691 | $791 | $260 |
| Somers, MT | $200 | $1,087 | $1,287 | $790 | $990 | $297 |
| Lakeside-Somers, MT | $2,000 | $1,204 | $3,204 | $875 | $2,875 | $329 |
| Woods Bay, MT | $500 | $1,092 | $1,592 | $793 | $1,293 | $298 |
| Whitefish, MT | $1,500 | $951 | $2,451 | $691 | $2,191 | $260 |
| Kings Point, MT | $1,500 | $2,018 | $3,518 | $1,467 | $2,967 | $552 |
| Woods Bay-Rollins, MT | $300 | $1,314 | $1,614 | $955 | $1,255 | $359 |
| Lake County, MT | $1,000 | $778 | $1,778 | $566 | $1,566 | $213 |
| Home Insurance Company Flathead County, MT | Homeowners Insurance Agency Flathead County, MT | Address | Popularity Score | Distance from Flathead County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Mike Grachek Agency Inc | 409 1st Ave E, Kalispell, MT, 59901 | 14.4 | |
| Travelers | Prime Insurance Services Inc | 5875 Us Hwy 93 S Ste B And D, Whitefish, MT, 59937 | 13.6 | |
| State Farm | Tj Wendt | 2129 Us Highway 2 E, Kalispell, MT, 59901-2813 | 12.2 | |
| State Farm | Tim Murphy | 346 Central Ave, Whitefish, MT, 59937-2664 | 14.5 | |
| Liberty Mutual Independent | Bob Herron Insurance | 35 Main St, Kalispell, MT, 59901 | 14.4 | |
| Liberty Mutual Independent | Bishop Insurance Service | 302 1st St W, Polson, MT, 59860 | 43.3 | |
| Liberty Mutual Independent | Hub International Mountain States Limited | 100 Financial Dr Ste 110, Kalispell, MT, 59901 | 15.1 | |
| Liberty Mutual Independent | Bishop Insurance Service | 302 1st St W, Polson, MT, 59860 | 43.3 | |
| Liberty Mutual Independent | Hub International Mountain States Limited | 100 Financial Dr Ste 110, Kalispell, MT, 59901 | 15.1 | |
| State Farm | Dan Schneller | 974 N Meridian Rd, Kalispell, MT, 59901-3540 | 14.7 |
| 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 |
| Flathead County, MT | $246,500 | $1,069 | $810 | $1,400 | $590 |
| Flathead County, MT | $246,500 | $1,069 | $810 | $1,400 | $590 |
| Coram, MT | $157,800 | $963 | $730 | $1,260 | $530 |
| Somers, MT | $219,700 | $1,100 | $840 | $1,440 | $600 |
| Lakeside-Somers, MT | $282,700 | $1,219 | $930 | $1,600 | $670 |
| Woods Bay, MT | $222,800 | $1,105 | $840 | $1,450 | $610 |
| Whitefish, MT | $335,100 | $963 | $730 | $1,260 | $530 |
| Kings Point, MT | $458,300 | $2,043 | $1,550 | $2,680 | $1,130 |
| Woods Bay-Rollins, MT | $327,300 | $1,330 | $1,010 | $1,740 | $730 |
| Lake County, MT | $224,100 | $788 | $600 | $1,030 | $430 |