How Can I Make My Kalispell, MT Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Kalispell, MT by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Kalispell, MT Home Insurance Coverage Levels | Back to Top
| Kalispell, 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 | |
| Windsong, 2nd Avenue East N, Honor Way, Ford Way, Vista Loop, W Springcreek Rd, Mustang Way, Pine Cone Ln, E Evergreen Dr, 2nd Ave E | $220,500 | $190,000 | $200,000-$250,000 | $211,500 | $180,000 | $200,000-$250,000 |
| Parkridge Dr, Parklane Dr, Greatview Dr, Wapiti Meadow Rd, 6th Ave E, 11th St W, E Oregon St, 6th St E, E Center St, Camelot Dr | $125,000 | $110,000 | $100,000-$125,000 | $101,000 | $90,000 | $100,000-$125,000 |
| Harmony Rd, Eider Dr, Trail Ridge Rd, Lauman Rd, Dutter's Ln, Holt Stage Rd, W Cottonwood Dr, Stillwater Rd, Walking Coyote Dr, Rainbow Ct | $188,000 | $160,000 | $200,000-$250,000 | $242,000 | $200,000 | $250,000-$300,000 |
| Bernard Rd, Bluestone Dr, Capistrano Dr, 5th Ave E, Northridge Dr, Granrud Ln, Sullivan Cross Rd, Juniper Dr, Last Best, Roybals Dr | $265,500 | $250,000 | $200,000-$250,000 | $283,500 | $230,000 | $300,000-$350,000 |
| Eastland Xrd, Sweetgrass Rd, Steel Bridge Rd, Ardell Dr, Wedgewood Ln, Liberty St, Blackhawk Ln, Snow Camp Rd, Golden Eagle Ct, Ash Rd | $235,500 | $220,000 | $175,000-$200,000 | $187,000 | $150,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Kalispell, MT | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$162 | $852 |
| Superior Protection Discount | -$91 | $922 |
| Fire & Security Discount | -$112 | $902 |
| Hail Resistant Roof Discount | -$30 | $983 |
| Newly Constructed Home Discount | -$223 | $791 |
Choose the Right Deductible for your Kalispell, 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 |
| Flathead County | $2,000 | $1,056 | $3,056 | $767 | $2,767 | $289 |
| Kalispell, MT | $700 | $1,002 | $1,702 | $728 | $1,428 | $274 |
| Evergreen, MT | $200 | $793 | $993 | $576 | $776 | $217 |
| Batavia, MT | $1,000 | $1,089 | $2,089 | $791 | $1,791 | $298 |
| Somers, MT | $100 | $1,087 | $1,187 | $790 | $890 | $297 |
| Lakeside, MT | $500 | $1,214 | $1,714 | $882 | $1,382 | $332 |
| Whitefish, MT | $1,500 | $951 | $2,451 | $691 | $2,191 | $260 |
| Lake Mary Ronan, MT | $500 | $1,164 | $1,664 | $846 | $1,346 | $318 |
| Swan Lake, MT | $700 | $1,293 | $1,993 | $940 | $1,640 | $353 |
| Happys Inn, MT | $100 | $1,422 | $1,522 | $1,033 | $1,133 | $389 |
| Libby, MT | $700 | $815 | $1,515 | $592 | $1,292 | $223 |
Identify Top Home Insurance Agents near Kalispell, MT | Back to Top
| Home Insurance Company Kalispell, MT | Homeowners Insurance Agency Kalispell, MT | Address | Popularity Score | Distance from Kalispell (miles) |
|---|---|---|---|---|
| Travelers | Mike Grachek Agency Inc | 409 1st Ave E, Kalispell, MT, 59901 | 3.3 | |
| Travelers | Prime Insurance Services Inc | 5875 Us Hwy 93 S Ste B And D, Whitefish, MT, 59937 | 9.2 | |
| State Farm | Tj Wendt | 2129 Us Highway 2 E, Kalispell, MT, 59901-2813 | 2.5 | |
| State Farm | Tim Murphy | 346 Central Ave, Whitefish, MT, 59937-2664 | 11.6 | |
| Liberty Mutual Independent | Bob Herron Insurance | 35 Main St, Kalispell, MT, 59901 | 3.0 | |
| Travelers | Bishop Insurance Service | 302 1st St W, Polson, MT, 59860 | 38.6 | |
| Farmers | Shaine Reece | 40 Four Mile Dr Ste 8, Kalispell, MT, 59901 | 1.2 | |
| Travelers | Hub International Mountain States Limited | 100 Financial Dr Ste 110, Kalispell, MT, 59901 | 2.7 | |
| Travelers | Hub International Mountain States Limited | 100 Financial Dr Ste 110, Kalispell, MT, 59901 | 2.7 | |
| State Farm | Dan Schneller | 974 N Meridian Rd, Kalispell, MT, 59901-3540 | 2.3 |
Compare Rates for Kalispell, 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 |
| Flathead County, MT | $246,500 | $1,069 | $810 | $1,400 | $590 |
| Kalispell, MT | $214,500 | $1,014 | $770 | $1,330 | $560 |
| Evergreen, MT | $154,900 | $802 | $610 | $1,050 | $440 |
| Batavia, MT | $220,700 | $1,102 | $840 | $1,440 | $600 |
| Somers, MT | $219,700 | $1,100 | $840 | $1,440 | $600 |
| Lakeside, MT | $287,400 | $1,229 | $930 | $1,610 | $680 |
| Whitefish, MT | $335,100 | $963 | $730 | $1,260 | $530 |
| Lake Mary Ronan, MT | $261,800 | $1,178 | $900 | $1,540 | $640 |
| Swan Lake, MT | $320,000 | $1,309 | $990 | $1,710 | $720 |
| Happys Inn, MT | $359,100 | $1,439 | $1,090 | $1,890 | $800 |
| Libby, MT | $165,100 | $825 | $630 | $1,080 | $450 |
Research Home Insurance Companies Reviews in Kalispell, MT Before Buying | Back to Top
Share a review on your home insurance company
Travelers Home Insurance Reviews
Date: October 05, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
The premium and deductible.was very fair. It actually came in as the cheapest for the amount of coverage that I needed. That is why I chose them for my insurance policy.
Date: July 04, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
I HAVE A 500 DEDUCTIBLE. I DON'T THINK THAT IS TOO HIGH. I HAVE HEARD OF OTHER PEOPLES HAVING HIGHER. I THINK I HAVE GOOD COVERAGE.
GEICO Home Insurance Reviews
Date: January 09, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I chose the company and policy I did because of pricing and offers. They have the best prices for the value that I saw. I do not need to worry in case of a fire or flood.
Date: December 02, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I would say that our deductible is on-par with other insurance companies for the amount of coverage we carry. The cost of the deductible directly effects the cost of the policy so we tend to keep it on average.
Farm Bureau Home Insurance Reviews
Date: January 09, 2020 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
I am completely satisfied with my current home insurance company policy, but I must admit that I haven't shopped around to compare in the last 15 years either.
AAA Home Insurance Reviews
Date: October 18, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
I shopped around when i bought my home and I compared rates of a lot of companies and aaa had the best rates. i have coverage for my cars too and got a discount with that as well