Montana HOMEOWNERS INSURANCE

Our insurance carriers all sell a “package” policy which is probably very similar to the policy you have or you will be buying.  This policy is intended to cover the average homeowner for most risks.

 

The basic “package” policy includes coverage for the following:

 

1) Dwelling (Building)
2) Personal Property
3) Detached Structures (Detached Garage)
4) Liability
5) Medical Expenses

 

This is the basic package and has limitations, exclusions, and different methods used to calculate the value of a loss.  The most common limitations are for jewelry, furs, guns and other collectibles; however, you can pay extra to have these items covered.  The most common exclusion is for water backing up in the basement (Sewer Back-Up) and you may pay extra to have this covered as well.  The different methods used for calculating a loss are replacement cost coverage and actual cash value.  Replacement cost coverage means the insurance company will pay to replace your property at the cost of buying new.  Actual cash value means the insurance company will give you the value of your property adjusted for depreciation.

 

In buying a Montana home insurance policy, if you make sure you have coverage for water back –up, your valuables, and replacement cost coverage, you should have a good insurance policy

 

Discounts

Auto/Home
Multiple Policy
Montana New Home
Alarm System
Sprinkler System
Claim Free
Non Smoker