When You Invest in a Home, Protect It the Right Way

Coverage for your largest asset

Each year in Montana, homeowners face devastating fires and weather events that cost them their homes. Without homeowner insurance, a disaster could rob you of your greatest asset in minutes. Therefore, it’s essential to protect your investment the right way with a homeowner policy.

A homeowner policy reimburses the cost of major repairs or reconstruction, so these expenses don’t come out of your pocket. You may have already been told by your mortgage lender that you must purchase homeowner insurance.

Protection for your structure and personal property

What does a homeowner policy cover? To start, it protects both your dwelling and everything inside the home. That means your clothing, electronics, furnishings, and other personal items are covered, and they’re protected against theft and vandalism in addition to fire and natural disasters.

Enjoy Liability Coverage and Other Benefits with Your Policy

Liability protection

Your homeowner policy will also offer liability coverage. This protection covers the expense of damages, up to a certain amount, if someone sues you after an accident on your property.

Loss of use coverage

Be sure to inquire about a policy that provides loss of use coverage. Also known as alternative living expenses, or ALE, this pays for you to live elsewhere if your home is uninhabitable when you file a claim to have it repaired or rebuilt.

Ask About Special Protection for Valuables and Increased Liability

Coverage of valuable items

We recommend that our clients in Missoula consider extra coverage for things that aren’t normally included in a homeowner policy. Ask about scheduled coverage for:

• Antiques
• Artwork
• Jewelry
• Precious metals
• Collectibles
• Furs
• Firearms

We can easily increase your protection to make sure these items are covered.

Personal umbrella protection

Some of our Missoula homeowners also like to have a little extra liability coverage for peace of mind. A personal umbrella policy can add more protection to your homeowner policy coverage. This is a smart move for high net worth individuals or people who own dogs and might be worried about dog bites.

We Bring Personalized Service to Every Policyholder

Enjoy homeowner coverage tailored to you

We understand your needs aren’t the same as your neighbor’s. That’s why every policy we provide has been tailored uniquely to the client. We’re able to do this because at Compass Insurance Group, we’re independent agents. We can offer you a much broader selection of home insurance choices than those big companies.

If you aren’t sure how much coverage to purchase, we suggest taking an inventory of your home with your mobile phone. We can then work with you to find the perfect amount of coverage.

Still have questions? We’re happy to answer them for you. Give us a call at 406-493-5726, or contact us online today for a fast quote and the protection your investment deserves.

Get a Free Homeowner Insurance Quote