While the natural beauty of Montana is something residents hold dear, the most valuable treasures are often the ones we keep at home. Finding adequate protection for home and family grows more complex each year, as more and more companies seem to offer Montana home insurance quotes every day. The trek to the best premium can feel like a harrowing drive up Going-to-the-Sun Road during a winter storm. But you don't have to do all the legwork yourself to figure out how to get the best quotes, and what factors are involved in determining them.
Lowering Your Montana Home Insurance Quotes
Some basic ways to find a better premium in Big Sky Country can save you a lot of money in the long run:
- Pay your premium annually. Most of us pay monthly. However, insurance companies usually figure out an additional charge for posting 12 separate transactions, and you can easily avoid this.
- Don't insure your land. All that open space in the Land of Shining Mountains might be the reason you live here, but remember, fire, wind and hail won't destroy the land.
- Combine your home and auto insurance policies. In Billings, for example, adding an auto policy can lower your annual home insurance premium by more than $100.
Civilizing the Wildlife
It's safe to assume that Big Sky residents won't just go charging off into the Yellowstone wilderness without water and provisions. Likewise, you shouldn't leave your home unprotected against everyday dangers. Whether you live in Billings or Bozeman, there are some common denominators in your Montana home insurance quotes.
Let's say you live in Billings, in a single-family home built in 1990. If you opt for $100,000 replacement coverage, $300,000 liability coverage, and a $500 deductible, your premium will be about $521 per year. This assumes you live five miles from the nearest fire department. If you live 15 miles away, your Montana home insurance quotes will rise substantially, just as a home within a mile of a fire department will receive lower rates. But some things are within your more immediate control. By adding smoke alarms and fire extinguishers, you can lower your annual premium to $443. Anti-theft precautions are also a key factor. If you install deadbolt locks and a burglar alarm system, you can drive the $521 quote down to $469.
Bridging the Continental Divide
There are many ways to get lower home insurance quotes. In a sense, you can turn an older house into a more modern one by update the roof, electrical, plumbing, and heating. In the eyes of potential insurers, these adjustments mean a safer house. You can bring various elements together for all-around savings --not just home and auto policies, but also health and life insurance. But the most certain way to save is to compare rates. Do that, and you'll keep your home the Last Best Place for you and your family.