EXAMPLE 3 These premiums apply to a single family, well-maintained home, with a wood stove. This 5-year-old home has a replacement cost of $275,000 and the owners want to purchase insurance for that amount. The owners have a miniature poodle. There have been no claims in the last three years and the original composite roof is in excellent shape. Coverages: Deductible $1000; Personal liability $100,000, Medical Payments $1,000 per person, outbuildings 10% of dwelling. All other coverages, including personal property, additional living expenses, and limits on dwelling, are rated according to an HO3 or comparable policy Great Billings
Bozeman
Butte
Glendive
Falls
Helena
Kalispell
Missoula
Scobey
City
Rural
City
Rural
City
Rural
City
Rural
City
Rural
City
Rural
City
Rural
City
Rural
City
Rural
Allstate Vehicle & Property Ins. Co.
1133
1383
1393
1641
1101
1336
1394
1546
1358
1549
995
1174
847
1043
818
1047
1394
1547
Depositors Insurance Co.
1242
1929
723
945
836
1085
1483
2191
958
1358
852
1150
651
969
724
1086
1249
1832
Farmers Insurance Exchange
1094
1285
958
1141
930
1109
1395
1575
1051
1275
958
1142
865
1100
835
1001
1236
1448
Mountain West Farm Bureau Ins. Co.
1399
1744
841
1060
903
1139
1518
1837
1064
1346
891
1123
742
933
730
917
1414
1711
Safeco Insurance Co. of America
1782
3297
1106
2047
982
1816
2246
4154
1498
2772
1390
2572
898
1661
1074
1987
2246
4154
State Farm Fire and Casualty Co.
2329
2329
1165
1165
1416
1416
3010
3010
1590
1590
1476
1476
1557
1557
1381
1381
2329
2329
Travelers Home & Marine Ins.Co.
1125
1442
554
738
886
1210
1812
2298
840
1086
916
1256
523
674
591
808
1363
1723
Trinity Universal Insurance Co.
1091
1360
825
1019
834
1034
1638
2019
989
1230
1061
1323
896
1113
909
1127
1638
2019
United Services Auto Association
711
758
775
805
758
805
722
758
750
790
758
805
775
805
775
805
722
758
USAA Casualty Insurance Co.
773
821
823
853
805
853
785
821
799
840
805
853
823
853
823
853
785
821
Please note: The above premium rates reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included.
2014 Rate Comparison Guide: Homeowners, Condominium and Renters Insurance