Montana Home Insurance – 5 Money-Saving Strategies

Montana home insurance costs about $700* per year—not exactly cheap. But following these money-saving tips could save a fortune on home insurance in Montana.

Cut Costs on Montana Home Insurance

Home insurance in Montana doesn’t have to cost an arm and a leg. Follow these tips and reduce your rate:

• Don’t insure the value of your land. Even if your home is destroyed, your land will probably remain intact.
• Look for discounts. Security systems, fireproof roofing materials, deadbolt locks and brand-new homes may qualify for discounts.
• Raise your deductible. Higher deductibles translate into lower premiums.
• Insure your vehicle and home with the same insurer and save up to 15 percent on each policy with a multi-line discount.
• Keep your credit score high. Depending on your insurer and location, your credit score may be a factor in determining your home insurance rate.

Home Insurance in Montana Won’t Cover Everything, Though

Montana homeowners, listen up: flood and earthquake damage are not covered by a standard Montana home insurance policy. Homeowners will need separate policies to protect against these perils. Even if you don’t live in a high-risk area for floods or earthquakes, it may be a good idea to protect your home with flood or earthquake insurance.

Shop Around, Save Money!

We saved the best money-saving tip for last: shop around for more affordable coverage. By shopping for new home insurance, Montana homeowners could actually find better coverage for less money. You can compare home insurance quotes for free with InsWeb.

If you live in the Treasure State, compare home insurance quotes in Montana today and see how much you might save!