Silver Bow County Insurance Rates:

Silver Bow County, MT homeowners insurance is nearly $643 to $874, about $53-$72/month. Our thorough guide reveals consumers can save as much as $303 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Methods to Lower your Home Insurance cost in Silver Bow County, MT

When it comes to home insurance, there are a lot of factors to consider in Silver Bow County, MT. The most crucial factor is the coverage you need to protect your home and possessions. Home insurance can protect you from many disasters, including fire, theft, and vandalism. It can also help cover the repairs costs if a natural disaster damages your home. 

The average cost of homeowners insurance in Silver Bow County, MT, is $890. The cost of homeowner's insurance may differ from city to city. It also depends on various other factors, like the deductible, level of coverage, past claims, house age, location, and more. There are a few methods to lower your home insurance cost in Silver Bow County, MT.   

1. By choosing a higher deductible

Choosing a higher deductible is one way to reduce the cost of home insurance. You essentially agree to pay more out-of-pocket expenses by increasing your deductible if you need to file a claim. While this may seem risky, it can save you money in the long run. Of course, you should never choose a deductible that you cannot afford to pay. If you have to file a claim, you will be responsible for paying the entire deductible, so be sure to factor that into your budget. Homeowners in Silver Bow County, Montana, pay premiums of $748.85 and $679.78 for deductibles of 1500 and 2000, respectively. However, homeowners who pay a 500 or 1000-dollar deductible pay $879.32 and $795.48, respectively. So, in Silver Bow County, Montana, the higher the deductible, the lower the premium. So if you want to save money on your home insurance, choosing a higher deductible is one way to do it. Just be sure to weigh the pros and cons carefully before deciding.

2. By installing security features

For homeowners in Silver Bow County, MT, installing security features is one of the best ways to help lower the cost of their home insurance. This includes burglar alarms, security cameras, and motion-sensing lights. By taking these measures, homeowners can help deter criminals and lower the risk of a break-in, leading to lower insurance rates. In Silver Bow County, Montana, homeowners that install security systems like deadbolts and smoke alarms pay $765.4 and $783.2 for home insurance, respectively. In Silver Bow County, Montana, homeowners with sprinkler and fire alarm systems pay $818.8 for homeowners insurance.

Refer to the chart below to know the amount paid by the homeowners for different security features in Silver Bow County, MT.

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3. By maintaining a zero claims history 

A zero claims history means you have never claimed on your home insurance policy. Insurance companies view customers with a zero claims history as being less of a risk, and as a result, they often offer lower rates. Even if you have had a claim-free history for a number of years, it’s still important to let your insurer know, as they may be able to offer you a discount. In Silver Bow County, Montana, homeowners with no claims have to pay a premium of $765.4, whereas those who have filed one or two claims must pay premiums of $943.4 and $1005.7, respectively. The best way to keep your premiums low is to avoid making a claim in the first place. To do this, you need to be aware of the things covered by your home insurance policy and take steps to prevent them. For example, if you live in an area prone to floods, you should consider buying flood insurance.

Silver Bow County, MT Homeowners Insurance By Home Value

Silver Bow County, MT Home Value Total Homes % of Total Average Silver Bow County, MT Homeowners Insurance
Less than $50,000 1,104 11.0% $144
$50,000 to $59,999 354 3.0% $310
$60,000 to $69,999 504 5.0% $386
$70,000 to $79,999 518 5.0% $439
$80,000 to $89,999 608 6.0% $500
$90,000 to $99,999 790 8.0% $560
$100,000 to $124,999 976 10.0% $651
$125,000 to $149,999 750 7.0% $811
$150,000 to $174,999 1,039 11.0% $962
$175,000 to $199,999 539 5.0% $1114
$200,000 to $249,999 937 9.0% $1341
$250,000 to $299,999 581 6.0% $1637
$300,000 to $399,999 682 7.0% $2076

Top Home Insurance Agents Near Silver Bow County, MT

Home Insurance Company Near Silver Bow County, MT Homeowners Insurance Agency Near Silver Bow County, MT Address
Allstate Burns Ins. Agency 2455 Harrison Ave, Butte, MT, 59701
Liberty Mutual Independent Montana Insurance Managers Llc 1905 OGDEN ST, ANACONDA, MT, 59711
Travelers Ori And Assoc Ins Agency 1667 DEWEY BLVD, BUTTE, MT, 59701
Travelers Paynewest Insurance Inc 3475 MONROE AVE, BUTTE, MT, 59702
Liberty Mutual Independent Paynewest Insurance Inc. 203 Southside Blvd, DILLON, MT, 59725

Silver Bow County, MT Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Silver Bow County, MT

Streets in Silver Bow County Area Homeowners Insurance Cost
N Arizona St, 14th St, W Granite St, Clay St, Oregon Ave, W Badger Ln, E la Platte St, George St, N Excelsior Ave, Center Dr$747
Redwood Dr, N Clark St, Milky Way, W Park St, W Laplatte St, W Daly St, S Idaho St, Saddle Rock Dr, Taft St, Motor Vue Rd$748
Utah Ave, Corto Rd, E Broadway St, Henry Ave, George St, Edison St, Delaware Ave, Texas Ave, Belle St, I- 90 Bus$749
Willow Grove Ln, Fleecer Mtn Rd, Hancock Ave, Harvard Ave, Cottontail Ln, Holmes Ave, Center Cir, Sherman Ave, Shoestring Annie Rd, Gully Dr$784
Argyle St, Vienna St, Labrador Run, Patterson Rd, Whitman Ave, Oklahoma St, Waukesha St, Gladstone Ave, Quail Dr, Hill Ave$786

Silver Bow County, MT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Silver Bow County$113 to $116
Butte-Silver$113
Butte-Silver Bow Northwest$115
Walkerville$111

Silver Bow County, 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
Butte-Silver Bow (balance), Montana $95 $126 $189
Butte-Silver Bow South CCD, Silver Bow County, Montana $95 $126 $189
Butte CCD, Silver Bow County, Montana $95 $126 $189

Silver Bow County, 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
Silver Bow County, MT6.4%17.8%
Butte-Silver6.36%17.67%
Butte-Silver Bow South4.1%21.27%
Butte6.41%17.84%

Silver Bow County Renters Insurance as a Percentage of Rent

Silver Bow County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 223 4.0% $354
$200 to $299 437 9.0% $804
$300 to $499 1,296 27.0% $1254
$500 to $749 1,826 38.0% $1929
$750 to $999 556 11.0% $2679
$1,000 to $1,499 216 4.0% $3804
$1,500 or more 186 3.0% $5454

Average Cost Of Home Insurance By Company In Areas Nearby Silver Bow County For Different Scenarios

Home value ($) Age of home (years) Pets Company Average homeowners insurance premium ($)
250,000 20 Golden retriever Csaa Insurance Group 871
250,000 20 Golden retriever Depositors Insurance Co. 1,256
180,000 40 NA Mountain West Farm Bureau Ins. Co 974
350,000 50 NA Mountain West Farm Bureau Ins. Co 1,794
250,000 30 Labrador retriever State Farm Fire And Casualty Co. 1,755
250,000 20 Golden retriever Travelers Home & Marine Ins. Co. 1,098
350,000 50 NA Travelers Home & Marine Ins. Co. 1,034
250,000 30 Labrador retriever Usaa Casualty Insurance Co. 1,166
250,000 20 Golden retriever Usaa Casualty Insurance Co. 1,375
350,000 50 NA United Services Auto Association 1,360

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