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Looking for homeowner insurance quote in Montana for your ranch, house, condo or mobile home just got very easy. Homeowner insurance coverage in Montana is at the lower mid-range of average annual premiums in the United States. Insurance rates range between $645 and $666.

A major reason that was put forth for the lower premiums is that Montana, despite having a large area, has one of the lowest population densities in the country. However, although one expects that premiums could be lower than its current level, it is unlikely for rates to decrease because the state is particularly known to be a high risk area for forest fires and wildfires. It certainly is no surprise therefore that coverage for fires is the first thing that every homeowner should check in their policy.

Thankfully, most homeowner insurance policies in Montana do provide fire coverage. But those whose properties are in high-risk areas should double-check their insurance plans just to be sure that they are covered. If it isn’t, it is available as a special rider in the policy which could be added at extra cost.

The main types of coverage in Montana are as follows:

· HO3:  The most basic homeowner policy, it provides protection to personal property and contents along with the building structure against named perils. Added to this policy are medical and liability coverage.

· HO4:  This is the basic policy for renters and tenants. HO4 offers coverage to the contents of the rental unit. It also includes a certain amount of medical and liability coverage.

· HO6:  This is the basic condominium unit owner’s insurance policy, providing protection to the inner walls, personal possessions and contents of the condo. Also added to this policy are medical and liability coverage.

Like with other states in the U.S., Montana does not have floods included in their policies. Again, this is available as a special add-on or as a separate policy to be purchased from the National Flood Insurance Program.

It is because of the ever present threat of fire and wildfires that insurance providers give discounts to homeowners who take the necessary measures to see to it that their homes are protected from fires in some way.

One very important factor is the construction of the home. The home should be built using non-combustible and non-flammable materials. Good fire-resistant construction materials for exteriors and roofs are stone, brick, tile, and slate, and would warrant lower insurance rates. High insurance rates are expected from homes made of wood or other highly combustible materials.

Regular maintenance of the home is a must, considering the large number of trees in the state. Roofs and gutters should be cleaned regularly of potentially combustible materials such as leaves, pine needles and branches especially during summertime. It would also help tremendously to have the home’s building materials and/or exteriors and roofs treated with fire retardant chemicals. To protect the inside of the home, it would be wise to invest in fire and smoke alarms and a sprinkler system.

Another way to get a discount from the insurance provider is by planting fire-resistant plants or trees around the home, so as to prevent any fires from spreading to the property too quickly.

Homeowners who take steps to ensure that their property is safe from wildfires are sure to get those valuable discounts from their homeowner insurance in Montana.

Find  homeowner insurance rates in each of these Montana cities
Anaconda – Billings – Bozeman – Butte-Silver Bow – Evergreen – Great Falls – Havre – Helena – Helena Valley Southeast – Helena Valley West Central – Kalispell – Laurel – Livingston – Miles City – Missoula – Beaverhead County – Big Horn County – Blaine  – Broadwater  – Carbon  – Carter  – Cascade – Chouteau  – Custer  – Daniels  – Dawson  – Deer Lodge  – Fallon  – Fergus  – Flathead  – Gallatin  – Garfield  – Glacier – Golden Valley  – Granite – Hill  – Jefferson  – Judith Basin – Lake  – Lewis and Clark – Liberty – Lincoln  – Madison  – McCone  – Meagher  – Mineral County – Missoula County – Musselshell  – Park  – Petroleum  – Phillips  – Pondera  – Powder River  – Powell County – Prairie County – Ravalli County – Richland County – Roosevelt County – Rosebud County – Sanders  – Sheridan  – Silver Bow  – Stillwater  – Sweet Grass  – Teton County – Toole County – Treasure County – Valley  – Wheatland  – Wibaux County

Homeowner insurance in Montana provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Montana above.

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