Gagliardi Insurance Services, LLC
910 Brooks St, Missoula, MT 59801
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910 Brooks St, Missoula, MT 59801
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2409 Dearborn Ave, #P, Missoula, MT 59801
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401 S Orange St, Ste C, Missoula, MT 59801
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Learn about insurance coverage options specific to Missoula residents.
Missoula home insurance averages $2,620-$2,816/year. Learn about wildfire coverage, rising rates, and how to protect your home in Montana's fire zones.
Complete insurance guide for Missoula residents. Learn about auto coverage for winter driving, home protection from wildfires, and affordable renters insurance.
Car InsuranceMissoula drivers pay $159/month average. Learn about Montana's 25/50/20 requirements, wildlife collision risks, and mountain driving coverage needs.
Yes, most standard home insurance policies in Montana cover wildfire damage to your home and belongings. However, you should verify your policy's coverage limits, deductibles, and additional living expenses provisions to ensure you're fully protected in case of evacuation or home loss due to fire.
Montana saw the nation's highest home insurance rate increase in 2024 at 22.1%, driven primarily by escalating wildfire risk. Missoula's location in a forested valley, longer fire seasons (now 75-80 days longer than before), and increasing wildfire incidents across the state have all contributed to rising premiums. Over the past six years, Montana home insurance prices have jumped 57.8%.
You can reduce premiums by creating defensible space around your home, upgrading to fire-resistant materials like Class A roofing, clearing gutters and vegetation, and using fire-resistant landscaping. Many insurers offer mitigation discounts for these efforts. Participating in community wildfire preparedness programs like Wildfire Adapted Missoula can also demonstrate risk reduction to insurers.
Homes in mountainous areas outside city limits, near the wildland-urban interface, and in neighborhoods like Blue Mountain and Grant Creek typically face higher premiums due to elevated wildfire exposure. Properties within Missoula's city limits generally have lower rates, though all areas are seeing increases due to regional fire risk.
Policy non-renewals are becoming more common in high-risk wildfire zones across the West. If this happens, immediately contact an independent insurance agent who can help you find alternative coverage. Document any fire mitigation work you've done, as this can help secure a new policy. In some cases, you may need to explore Montana's FAIR Plan as a last-resort option.
Smoke damage coverage varies by policy. Some policies cover smoke damage to your home's interior and belongings if the smoke originates from a covered peril like wildfire, even if the fire is far away. Review your policy's specific language on smoke and soot damage, and consider adding endorsements if standard coverage is limited.
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