Great Falls Home Insurance

Find the right Great Falls home insurance coverage to protect your home and family.
Compare, shop and customize quotes from top-rated insurance carriers.

A City With History

Great Falls, Montana, has much to offer, especially for people who enjoy the outdoors and history. A part of the Lewis and Clark trail, the Lewis and Clark Interpretive Center gives a closer look into their journey, including the fact that they could hear the Great Falls from seven miles away. The multiple trails and State Park provide those looking to enjoy the outdoors an opportunity to enjoy the nature and wildlife Great Falls has to offer. Having home insurance lets you have peace of mind while taking in the beautiful landscape.

Great Falls Demographics

The average age of Great Falls residents is 39. suggesting that many have started families, are settled in their jobs and own their own homes. Homeownership in Great Falls is 65 percent, about the same as the national average. The average home value is $305,613, and the cost of living in Great Falls is lower than both state and national averages, making it an affordable place to live.

Weather in Great Falls

Great Falls experiences mild spring temperatures, warm summers, crisp falls and snowy winters. Great Falls experienced a record-breaking 119 inches of snow in 2019, almost double the yearly average of about 63 inches! Additionally, the snow Great Falls experiences often comes with strong winds and temperatures below zero. Snow often brings elements that can be problematic for your home, such as falling branches and frozen pipes. House fires are also more common during snowstorms, as people are often stuck inside and need to keep warm and cook food. Having Great Falls home insurance protects you from the perils of a winter storm.

Crime and Insurance Rates

A variety of different factors determine insurance rates, but one of those that are considered is the crime rate in the area. Unfortunately, Great Falls has a higher than average crime rate, with residents having a one in 186 chance of being the victim of a violent crime and a one in 22 chance of experiencing a property crime. If you are the victim of vandalism, theft, burglary or robbery, your home insurance can help replace or repair what was lost or damaged.

Ways to Lower Your Insurance Rates

The average cost of Great Falls home insurance is $2,097, which is about average for Montana but higher than national averages. Montana experiences higher averages due to the higher risk of damage from winter storms. Thankfully, there are some things you can do that may lower your rates.

  1. Bundle your home and auto policies
  2. Check for additional discounts you can take advantage of
  3. Maintain or work on improving your credit score
  4. Raise your deductible
  5. Make sure you are paying for the right amount of coverage

VIU by HUB is a great way to compare insurance quotes to find the one that will work best for you.

Things Insurance Covers

Here are the things your insurance plan should cover:

  • Your dwelling and any attached buildings
  • Detached buildings on the property
  • Belongings in the house and on the property
  • Liability insurance for lawsuits if someone is hurt on your property
  • Living expenses if you need to move out while your home is repaired or rebuilt

Depending on your circumstances, you may add some things to your policy, such as coverage for a swimming pool.

Having Great Falls home insurance is an essential part of home ownership. It provides the coverage you need in case your house receives damage. Using VIU by HUB will allow you to check insurance coverage and prices to find the best policy for you and ensure you pay the right amount for your coverage.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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