Home Insurance
Your home is probably your most valuable asset, and we want to ensure it’s protected. Our experienced agents will offer the knowledge you can trust and affordable, dependable home insurance options. A policy from us protects not just your property; it also protects you, your family, your guests, and your belongings.
When choosing Us to help with your home insurance needs, you are also choosing coverage from one of our many trusted providers. Some coverages may be limited or subject to certain restrictions. Therefore, it is important to talk with one of our local agents to ensure it’s the right policy.
Typical coverage packages for homeowners insurance can include protection for the following:
- The physical structure of your home
- Replacement cost
- Personal possessions
- Additional living expenses (in the event of covered loss or a natural disaster)
- Personal Liability
You can choose to strengthen your homeowners insurance package with options such as:
- Valuable Articles/Floater Insurance policies (i.e., Jewelry Insurance)
- Flood Insurance policies
- Earthquake insurance policies
- Umbrella Insurance policies (additional liability)
- Animal Liability (liability issues due to household pets)
Home Insurance FAQs
How do I know if I have enough homeowners insurance?
How much homeowners insurance you need comes down to three main factors: your home’s total replacement cost, the value of your personal property, and your overall liability exposure. If you aren’t sure whether your current limits are still sufficient, our team is happy to review your policy with you.
How do I know if I have enough homeowners insurance?
Many homeowners insurance policies cover damage caused by storms, including wind, hail, and lightning. Coverage varies by policy, so homeowners in Montana should review their policy to understand what’s covered.
Can I get homeowners insurance before I buy a house?
Yes. In fact, most mortgage lenders require homeowners insurance before closing on your home. If you’re buying a home in Plains or Thompson Falls, we can help you find coverage before your closing date.
Does homeowners insurance cover my garage?
In most cases, homeowners insurance covers an attached garage as part of your home’s structure. Detached garages may also be covered, although coverage limits can vary by policy.
What should I do if my home is damaged?
If it’s safe to do so, document the damage with photos, take steps to prevent further damage, and contact your insurance company as soon as possible. Keeping records of your repairs and expenses can also help during the claims process.
Does homeowners insurance cover my belongings outside the home?
Many homeowners insurance policies provide limited coverage for personal belongings even when they’re away from your home. Coverage limits and exclusions apply, so it’s important to understand what your policy includes.
Can I change my deductible?
Yes. Most insurance companies allow you to adjust your deductible when purchasing or renewing your policy. Choosing a higher deductible may lower your premium, while a lower deductible can reduce your out-of-pocket costs after a covered claim.
What discounts are available for homeowners insurance?
You can often lower your homeowners premium by bundling policies, installing a home security system, replacing your roof, or keeping a clean claims history. If you’re in Plains or Thompson Falls, Montana, our agency can review your policy to ensure you’re getting every discount you deserve.
Is homeowners insurance the same for every home?
No. Every home is different, so homeowners insurance is tailored based on factors like the home’s age, size, location, construction, and the coverage you choose. That’s why it’s important to select a policy that fits your specific needs.
How do I get a homeowners insurance quote?
Getting a homeowners insurance quote is simple. You’ll typically need basic information about your home, including its age, size, and location. If you’re in Plains or Thompson Falls, our team can provide a personalized quote and help you compare your coverage options.