Bailey Insurance Services
4 Meridian Court, Kalispell, MT 59901
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4 Meridian Court, Kalispell, MT 59901
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270 2nd Avenue West N, Kalispell, MT 59901
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2330 U.S. Hwy 2 E, Kalispell, MT 59901
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2330 US Highway 2 East, Kalispell, MT 59901
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2602 U.S. Hwy 2 E, Kalispell, MT 59901
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68 Sunflower Ct, Kalispell, MT 59901
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1088 N Meridian Rd, Kalispell, MT 59901
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1205 S Main St, Kalispell, MT 59901
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750 N Meridian Rd, Kalispell, MT 59901
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1875 Old Reserve Dr, Kalispell, MT 59901
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Learn about insurance coverage options specific to Kalispell residents.
Kalispell home insurance averages $1,745-$2,295/year. Learn how wildfire risk, winter weather, and flooding affect your coverage and rates in 2025.
Car InsuranceKalispell drivers pay $2,466/year for car insurance. Learn about wildlife collision coverage, Glacier tourism impacts, and winter driving factors.
General Insurance EducationComplete insurance guide for Kalispell residents covering Montana requirements, wildfire risk, winter weather protection, and Flathead Valley coverage tips.
Car InsuranceKalispell auto insurance averages $1,856/year. Learn about Montana's 25/50/20 minimums, wildlife collision risks on US-93, and coverage you need.
Home insurance in Kalispell averages between $1,745 and $2,295 per year, making it one of the more affordable cities in Montana. This is significantly lower than the statewide average of $2,800 to $3,800 annually. Your specific rate depends on your home's age, value, construction type, deductible, and proximity to wildfire or flood zones.
Yes, standard homeowners insurance typically covers wildfire damage to your home and belongings. However, insurers are increasingly scrutinizing homes in high-risk wildfire areas, and some may add exclusions or decline to renew policies for properties with significant exposure. Creating defensible space and implementing fire-resistant improvements can help maintain your coverage and may reduce premiums.
If your home is in or near the Flathead River floodplain or any low-lying area, you absolutely need flood insurance. Standard homeowners policies exclude flood damage entirely. The Flathead River floods annually with varying severity, and even properties outside high-risk zones can experience flooding during major runoff events. Flood insurance is available through the National Flood Insurance Program or private insurers.
Home insurance covers damage from ice dams, frozen pipes (if you maintained heat in the home), roof collapse from snow weight, and wind damage. However, you must take reasonable precautions—if you let your vacant home freeze because you turned off the heat, the insurer will likely deny your burst pipe claim. Proper winterization and maintenance are essential for coverage to apply.
Montana home insurance rates jumped 22.1% in 2024 and are up 57.8% over six years, primarily due to increased wildfire risk and climate-related losses. Nearly 70% of Montana wildfires have occurred since 2000, and insurers are paying more in claims than they collect in premiums. This has prompted rate increases, coverage restrictions, and some carriers exiting the Montana market entirely.
Create defensible space by clearing brush and vegetation within 30 feet of your home, install fire-resistant roofing and siding, add a monitored alarm system, bundle your home and auto policies, increase your deductible, and improve your home's winter resilience with proper insulation and pipe protection. Document all improvements and discuss them with your agent, as many qualify for premium discounts.
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