Elings Insurance Agency
2 4th Ave SE, Conrad, MT 59425
View this agency's profile to learn more about their services.
Loading...
City directory
Conrad households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2 4th Ave SE, Conrad, MT 59425
View this agency's profile to learn more about their services.
21 4th Ave SW, Conrad, MT 59425
View this agency's profile to learn more about their services.
23 5th Avenue SE, Conrad, MT 59425
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Conrad residents.
Conrad home insurance averages $4,814/year. Learn about hail protection, winter coverage, and how to save on premiums in Pondera County.
General Insurance EducationEssential insurance guide for Conrad, MT residents. Learn about auto, home, and farm coverage needs in the Golden Triangle with expert local insights.
Car InsuranceConrad auto insurance guide for 2026. Learn about Montana's 25/50/20 requirements, I-15 highway risks, wildlife coverage, and agricultural vehicle needs.
While Montana's statewide average is $4,814 annually, Conrad homeowners typically pay less due to lower home values compared to cities like Bozeman or Missoula. Expect to pay between $1,000-$2,000 per year for a standard home with adequate coverage, though rates vary significantly by insurer, home age, and coverage amount. Shopping around can save you hundreds of dollars annually.
Yes, standard homeowners policies cover hail damage to your roof, siding, and other structures. However, some insurers impose separate wind/hail deductibles that are higher than your standard deductible—sometimes 1-5% of your dwelling coverage instead of a flat amount. Always ask about this before purchasing a policy, especially given Conrad's summer storm risk.
Standard home insurance excludes flood damage, so if you're near the Marias River or in a flood-prone area, you should strongly consider purchasing separate flood insurance through the National Flood Insurance Program. Spring runoff and rapid snowmelt can create unexpected flooding conditions even in areas not traditionally considered high-risk.
Most policies cover damage from frozen pipes that burst, including water damage to your home and belongings. However, coverage may be denied if the insurer determines you didn't take reasonable precautions—like maintaining heat in your home or draining pipes in a vacant property. Given Conrad's sub-zero winter temperatures, insurers pay close attention to frozen pipe claims.
Always insure for replacement cost, not market value. Market value includes land, which doesn't need insurance. Replacement cost is what it would actually cost to rebuild your home from the ground up at today's construction prices, including materials and labor. This amount is often higher than you'd expect, especially with Montana's construction costs.
Common discounts include bundling home and auto insurance (15-25% savings), installing security or fire alarm systems, having a newer roof (especially impact-resistant), maintaining claims-free history, and being a long-term customer. Veterans and military members can access significantly lower rates through USAA. Always ask insurers about every available discount when getting quotes.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network