Home Insurance in Missoula, MT
Protect the home and belongings you love with home insurance in Missoula.
Missoula, Montana, founded in 1860 as a Trading Post, is known for its outdoor recreation opportunities, particularly its blue-ribbon trout fishing. Interestingly, about 12,000 years ago, it was entirely underwater, explaining all the water around it today. It's a very outdoor-friendly town with plenty of bike routes and lanes. You can even go surfing, thanks to the manmade Brennan's wave. Even when exploring the great outdoors, having home insurance in Missoula gives you the peace of mind that comes with knowing that your home is protected.
Missoula experiences short summers and long, snowy winters. It gets pretty warm in the summer, with an average temperature of about 76 in June and August and 85 in July. Droughts have been known to occur in the warmer months, which can cause damage to homes. When it comes to winter, snowfall can vary widely from year to year, but Missoula gets about 40 inches per year, on average. In addition, depending on weather conditions, blizzards can occur. These winter storms bring strong wind and lots of snow. These elements can bring down tree branches or, sometimes, entire trees. That, among the other risks from blizzards and snowstorms, highlights the importance of having home insurance.
The average age of Missoula residents is about 33, a bit lower than the rest of the state. Only 46 percent of residents own their home, while others are likely renting and saving to purchase a home. Unfortunately, Missoula experiences a fair share of crime, particularly property crimes, including burglary and theft. Residents have a one in 29 chance of being the victim of a property crime, which is higher than the state and national averages. Home insurance is an essential way to protect yourself if you experience a theft or burglary.
The average cost of home insurance in Missoula is about $1,831 a year. This is lower than the state average but higher than the national average. Montana experiences higher insurance rates due to the weather risks of living in Montana, particularly adverse winter conditions. In addition, the cost of living in Montana is higher than the state average, contributing to the higher rates. One of the best ways to ensure you pay the appropriate amount for home insurance is to compare rates by utilizing VIU by HUB, allowing you to see rates side by side.
Your home insurance policy will likely cover various things, such as fire, windstorms, hail, lightning and crimes like theft or vandalism. However, checking your policy to see what it covers is essential. Home insurance typically covers five things:
Depending on your living situation, you may want to consider some add-ons for your policy. For example, if you have a swimming pool or live in a high-risk flood area, you should consider adding coverage.
Having home insurance in Missoula is one of the best ways you can protect your home, your belongings and your family. Whether it's due to a fire, storm or crime, life can be unpredictable, and you want to ensure you are covered in these events. Use VIU by HUB to see different rates and coverages and choose the one that best suits your needs.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
