Homeowner Insurance Costs in Jefferson County, MT

How much does homeowner insurance cost in Jefferson County? Here's what to expect.

Est. Annual Premium

$1,951

Monthly Cost

$163

Median Home Value

$354,700

% of Income

2.6%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$354,700
Personal Property (C)$177,350
Liability (E)$300,000
Deductible$3,547

Cost Context

Homeownership Rate83.1%
Median Income$73,875
Property Tax Rate0.6%
Population12,273

About Insurance in Jefferson County

Homeowner insurance in Jefferson County, Montana costs an estimated $1,951 per year for a median-value home of $354,700. This represents approximately 2.6% of the median household income of $73,875.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

Calculate Your True Insurance Cost

Get a peril-by-peril risk analysis, coverage optimization, and premium comparison. Find out if you're over-insured, under-insured, or paying too much.

Start Free Analysis

Other Counties in Montana

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.