Home Insurance

A typical homeowners package includes coverage for the physical structure of your home, replacement cost, personal possessions, additional living expenses in the event of a covered loss, and personal liability. Coverage details vary by policy, so it’s worth reviewing yours with an agent.

The right amount of coverage depends on your home’s rebuild cost, the value of your personal belongings, and your liability exposure. One of our agents can take the time to review your individual needs and recommend coverage that fits your situation.

Replacement cost coverage pays to rebuild your home and replace belongings at today’s prices, with no deduction for depreciation. Actual cash value coverage factors in depreciation, so the payout reflects what the item is currently worth rather than what it would cost new.

Yes, personal possessions coverage is a standard part of most homeowners packages and protects household items like furniture, electronics, and clothing up to your policy’s limit.

Standard personal possessions coverage often includes limited protection for high-value items like jewelry. If the value of these items exceeds that limit, a Valuable Articles or Floater policy can provide additional, itemized coverage.

Personal liability coverage protects you financially if someone is injured on your property or you’re found responsible for damage to someone else’s property, helping cover legal costs and settlements up to your policy limit.

Yes, additional living expense coverage is a standard part of most homeowners packages and helps pay for costs like temporary housing and meals if a covered loss or natural disaster makes your home unfit to live in while it’s being repaired or rebuilt.

No, flood damage is generally excluded from standard homeowners policies. Flood insurance is available as a separate policy, and it’s worth discussing your property’s flood risk with an agent even if you’re not in a designated flood zone.

Common exclusions include flooding, earthquakes, normal wear and tear, and damage from neglect or lack of maintenance. Exclusions vary by carrier and policy, so it’s important to review your specific policy for what isn’t covered.

Premiums are based on factors like your home’s age, construction, location, rebuild cost, claims history, and the coverage limits and deductibles you select. Your agent can walk you through what’s driving your specific rate.

Common discounts include bundling your home and auto policies, installing security or fire-monitoring systems, updating your roof or plumbing, and maintaining a claims-free history. Available discounts vary by carrier, so it’s worth asking your agent which ones apply.

Yes, many carriers offer a multi-policy discount when you bundle homeowners coverage with auto, farm and ranch, or business insurance. Bundling can also make it easier to manage all your coverage through one agent.

Homes in rural areas can face different considerations than homes in town, including distance from fire stations and water sources, which can affect rates. If your property includes farm or ranch elements, a separate Farm & Ranch policy may be needed to fully cover outbuildings, equipment, or livestock.

Document the damage with photos, make any necessary temporary repairs to prevent further damage, and contact your agent as soon as possible to begin the claims process. Our team can guide you through each step, from filing the claim to understanding what’s covered.

It’s possible, but not guaranteed. Rate impact depends on the type and size of the claim, your claims history, and your carrier’s guidelines. Your agent can walk you through how a specific claim might affect your policy.

It’s a good idea to review your policy at least once a year, or whenever you make major changes to your home, such as a renovation, an addition, or significant purchases, to make sure your coverage limits still reflect your home’s value.

Renovations and additions can increase your home’s rebuild cost, so it’s important to update your policy afterward. Without an update, you could end up underinsured if you ever need to file a claim.

Most policies cover damage from wind, hail, and lightning, which are common in Montana, though specific terms and limits vary by carrier and policy. Flooding is typically excluded and requires separate coverage. Reviewing your policy with an agent can clarify exactly what’s included.

Standard homeowners policies are generally designed for completed, occupied homes, so a home under construction or undergoing major renovation may need different or additional coverage. Talk to your agent before starting a project to make sure there are no gaps.

You can request a quote by contacting our Miles City, Terry, or Forsyth office directly or by filling out a quote request form on our website. One of our agents will take the time to review your home and coverage needs to build a custom package that fits your situation.