Bison Insurance, PLLC
3171 N Montana Ave, Helena, MT 59602
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3171 N Montana Ave, Helena, MT 59602
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121 N Last Chance Gulch Area C, Helena, MT 59601
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800 N Last Chance Gulch, Ste 101, Helena, MT 59601
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3067 Cabernet Drive, Suite 3, Helena, MT 59601
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1313 11th Ave, Helena, MT 59601
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1111 N Rodney Street, Ste 3, Helena, MT 59601
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Learn about insurance coverage options specific to Helena residents.
Helena home insurance averages $3,819/year. Learn about wildfire protections, winter coverage, historic home insurance, and your rights under Montana law.
Car InsuranceHelena auto insurance guide: Montana's 25/50/20 minimums, at-fault rules, I-15 corridor risks, and winter driving. Compare rates and find better coverage.
General Insurance EducationFind trusted insurance agents in Helena who understand Montana's capital city. Compare independent and captive agents for auto, home, and life coverage.
General Insurance EducationComplete insurance guide for Helena, MT residents. Compare auto, home, and life insurance rates, understand wildfire risk, and find coverage that protects you in Montana's capital.
Yes, standard homeowners insurance covers wildfire damage just like any other fire peril. This includes damage to your home's structure, personal belongings, and additional living expenses if you need to evacuate. Montana law also protects you from arbitrary policy cancellations based solely on wildfire proximity—insurers must assess each property's actual risk individually.
Your homeowners insurance covers burst pipes and resulting water damage as long as you maintained heat in your home. Most insurers require you to keep your thermostat at 55°F or higher, even when you're away. If you let your home freeze by turning off heat entirely, your claim may be denied.
Montana homeowners saw insurance rates jump 22.1% in 2024 alone, driven primarily by wildfire risk and severe weather claims. With over 50% of Montana properties at risk of catastrophic wildfire damage and increasing winter storm claims averaging $18,000 each, insurers have significantly raised premiums across the state. Rising home values and construction costs also contribute to higher rates.
Most Helena homeowners don't need flood insurance unless they're in designated flood zones or near seasonal waterways prone to spring snowmelt flooding. Standard homeowners insurance doesn't cover flooding, so if you are at risk, you'll need separate coverage through the National Flood Insurance Program. Check FEMA flood maps for your property to assess your risk.
Your dwelling coverage should reflect current construction costs to rebuild your home, not its market value. With Helena home values ranging from $445,000 to $585,000 and construction costs rising sharply, review your coverage annually. Historic homes often need guaranteed or extended replacement cost coverage due to higher restoration expenses for period-appropriate materials and craftsmanship.
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