Helena Insurance Rates:

Helena, MT homeowners insurance is roughly $662 to $897, about $55-$74/month. Our in depth guide shows customers can save upto $311 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
The only claim i've had was dealt with in a fast manner, without a lot of fuss.
Progressive
I don't like that my rates at time fluctuate for simple reason
Progressive
I use progressive insurance, and have been doing so for the past five years. the reason i do so is because this is my first home, and most of my other family members use progressive as well. because the company was referred to me by others, it made the most sense for me to give the company a try. i loved the company so much that i ended up switching my car insurance too. the representatives have always been attentive, understanding, and helpful

Helena, MT Homeowners Insurance By Home Value

Helena, MT Home Value Total Homes % of Total Average Helena, MT Homeowners Insurance
Less than $50,000 1,525 10.0% $93
$70,000 to $79,999 191 1.0% $296
$80,000 to $89,999 155 1.0% $334
$90,000 to $99,999 238 1.0% $373
$100,000 to $124,999 751 5.0% $428
$125,000 to $149,999 1,077 7.0% $537
$150,000 to $174,999 1,943 12.0% $638
$175,000 to $199,999 2,276 15.0% $740
$200,000 to $249,999 3,235 21.0% $888
$250,000 to $299,999 1,811 12.0% $1082
$300,000 to $399,999 1,567 10.0% $1378

Top Home Insurance Agents Near Helena, MT

Home Insurance Company Near Helena, MT Homeowners Insurance Agency Near Helena, MT Address
NA Clawson Insurance Agency Inc 412 Railroad Street Deer Lodge, Deer Lodge, MT, 59722
State Farm David Jensen 2718 Billings Ave, Helena, MT, 59601-9767
Farmers Neil Butori 65 E Broadway St, Butte, MT, 59701
Travelers Ori And Assoc Ins Agency 1667 DEWEY BLVD, BUTTE, MT, 59701
Farmers Wanda Shields 2832 Amherst Ave, Butte, MT, 59701

Cost Of Homeowners Insurance By Street Near Helena, MT

Streets in Helena Area Homeowners Insurance Cost
E Lyndale Ave, Cowan Dr, Heritage Dr, Fox Vw Lp, Shilo Ln, Bear Creek Rd, N Howie St, Holter St, Jungers Ct, Barrett Rd$794
Peosta Ave, Gunn Rd, Valley Forge Rd, Festival Rd, Country Rd, Van Orsdel Rd, Alice St, N Hoback St, Aspen St, Tamarack St$779
Estate Rd, Cactus Flats Dr, Livingston Ave, Peosta Ave, Nancy Rd, Spokane Ranch Rd, Osprey Ridge Dr, Stadler Rd, Mendocino Dr, Tyler Rd$794
Castle Rock, Gilbert St, Cedar Valley Rd, Stable Rd, Minnesota Ave, S Davis St, B St, Chromium Ct, E 6th Ave, Golden St$782
S Hannaford St, US Hwy 12 W, Law Enforcement Academy Rd, Sharptail Dr, Matt Staff Rd, Bonanza Ct, Sundance Dr, N Davis St, Aiken Rd, Dairy Dr$777
Henry St, Red Letter St, Eastgate Dr, Viscaya Rd, Harrison Ave, Nicole St, Blaine Ln, Scratchgravel Dr, Shelly Rd, Vince's Ct$789
Black Alder Gulch, Idaho Ave, Garnet Dr, 9th Ave, McDonald Dr, Bandera Dr, Twin Pines Rd, 4th St, Dry Gulch Dr, Oro Fino Gulch$770
Toole Dr, Eldorado Ct, Olive St, Kurt Allen Ct, Cheyenne Rd, Lewis St, Ed Rose Rd, Stillwell Dr, Oxford Dr, Western Dr$781
Lode St, Aaron Dr, Bonanza Dr, Wheatgrass Rd, E 14th St, Prospector Gulch Rd, Gradestake St, Blue Grass Ln, N Cruse Ave, Chestnut St$779
N Beattie St, Blue Grouse Rd, Mikota Pl, N Fee St, Lavender Dr, Diamond Dr, Harvest Loop, Sweetgrass Rd, Jockey Dr, Shanda Ct$788

Helena, MT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Helena$116 to $119
Helena West Side$115
South Hills$128
Helena Valley West Central$117

Helena, MT Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Helena West Side CDP, Montana $96 $128 $192
South Hills CDP, Montana $107 $142 $213
Helena Valley West Central CDP, Montana $98 $130 $195

Helena, MT Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Helena, MT4.8%15.9%
Helena West Side4.99%16.12%
South Hills3.2%15.37%
Helena Valley West Central4.62%17.1%

Helena Renters Insurance as a Percentage of Rent

Helena Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 149 2.0% $344
$200 to $299 255 3.0% $794
$300 to $499 841 12.0% $1244
$500 to $749 2,532 39.0% $1919
$750 to $999 1,357 20.0% $2669
$1,000 to $1,499 981 15.0% $3794
$1,500 or more 360 5.0% $5444

Average Cost Of Home Insurance By Company In Areas Nearby Helena For Different Scenarios

Home value ($) Age of home (years) Pets Company Average homeowners insurance premium ($)
180,000 40 NA Csaa Insurance Group 780
250,000 20 Golden retriever Csaa Insurance Group 914
250,000 20 Golden retriever Mountain West Farm Bureau Ins. Co 1,499
350,000 50 NA Mountain West Farm Bureau Ins. Co 1,765
250,000 30 Labrador retriever Safeco Insurance Co. Of America 870
250,000 30 Labrador retriever State Farm Fire And Casualty Co. 1,917
180,000 40 NA Travelers Home & Marine Ins. Co. 752
300,000 5 Miniature poodle Travelers Home & Marine Ins. Co. 901
300,000 5 Miniature poodle Usaa Casualty Insurance Co. 837
250,000 20 Golden retriever United Services Auto Association 1,356

Helena, MT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$3,300
Yearly Helena Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$1,300$3,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,400$9,600
Net Savings to Helena Home Owner from High Deductible Plan $800

Helena, MT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Helena, MT Home Replacement Value MORE than Home Value Helena, MT Home Replacement Value LESS than Home Value
Replacement Value $225,000 $139,000
Insurance Premium based on Replacement Value $1,275 $800
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $51,500 Risk Exposure from Under Insuring Coverage is $34,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $275/year

Example Helena Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceTravelersLiberty Mutual
Monthly Premium 995540
Year Built 199620131984
Home Details 4 Beds, 3 Baths5 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $300000-$350000$175000-$200000$125000-$150000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Helena, MT from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1989 320,000 Metal Roof 2,570 5 $500- $1000 Deductible 950 9 Wood siding No
1946 565,000 Tile Roof 4,840 5 $1000-$2500 Deductible 190 1 Brick siding yes
1995 220,000 Asphalt Shingles Roof 1,650 3 $500- $1000 Deductible 420 4 Vinyl siding yes
2011 215,000 Wood Shake Roof 1,880 3 $500- $1000 Deductible 690 7 Stone Siding No
2011 295,000 Shingles Roof 3,290 5 $500- $1000 Deductible 820 8 Vinyl siding yes
2007 100,000 Metal Roof 920 2 $1000-$2500 Deductible 70 2 Fiber-Cement Siding yes
1985 630,000 Membrane Roof 4,820 5 $2500-$5000 Deductible 530 3 Vinyl siding No
1940 380,000 Membrane Roof 2,980 5 $1000-$2500 Deductible 560 6 Stucco siding No
1995 185,000 Metal Roof 1,870 3 $5000 to $10,000 Deductible 220 5 Stucco siding yes
1982 200,000 Composition Roof 1,510 2 $1000-$2500 Deductible 820 12 Wood siding No
1984 430,000 Membrane Roof 4,100 5 $1000-$2500 Deductible 1570 8 Stone Siding yes
2005 170,000 Composition Roof 1,840 4 $5000 to $10,000 Deductible 370 9 Wood siding No
2010 155,000 Composition Roof 1,460 2 $5000 to $10,000 Deductible 380 10 Fiber-Cement Siding No