Homeowner Insurance Costs in Phillips County, MT

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

Est. Annual Premium

$980

Monthly Cost

$82

Median Home Value

$178,100

% of Income

1.6%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$178,100
Personal Property (C)$89,050
Liability (E)$300,000
Deductible$1,781

Cost Context

Homeownership Rate80.0%
Median Income$61,250
Property Tax Rate0.8%
Population4,233

About Insurance in Phillips County

Homeowner insurance in Phillips County, Montana costs an estimated $980 per year for a median-value home of $178,100. This represents approximately 1.6% of the median household income of $61,250.

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.

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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.