No home is built exactly the same. That is why it's vital to ensure that your homeowners insurance is tailored to your most precious asset- your home. To understand this you must understand what the insurance actually covers. Homeowners insurance covers two main areas- liability and property insurance. To properly insure against damage to your home you must know how much it would cost to rebuild your home which falls under the property insurance portion of your policy. This is often referred to as insurance to value.
But how do I determine how much it would cost to rebuild my home? Well there are many things to be factored in. Your cost for construction is directly determined by the local construction market. Construction costs can vary from town to town or city to city so it's important to understand what your local construction costs might be. We keep an open dialogue with local contractors who advise us of the going rates for repairing or building a home. The cost is generalized into a dollar range per square foot. So for example it could cost $90 all the way up to $200 per square foot to rebuild your home. Determining this exact cost is tricky and all the attributes of your home must be taken into consideration. The age of the home, the type of roofing and heating, the type of flooring, walls, siding, foundation, and many other factors.
We're a Butte-Silver Bow Montana insurance agency that uses state of the art replacement cost calculators to help narrow down the replacement cost of your home insurance and cross check that with local contractors.
Below are some cities in which we cover insurance:
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