How to Protect Your Dwelling in Montana

Despite its large size, the state of Montana has one of the smallest populations in the nation. That means it also has a very low population density, which can be a positive influence on home insurance rates in the region. Currently, the state is ranked 33rd in premiums, making it one of the less expensive localities to insure in. According to recent statistics, the average premium in the state is about $666. However, its rank will likely never get much lower than 33rd due to the dangers of forest fires throughout the state. It is rife with forested areas and with the onset of global warming, which is strongly associated with the nation's recent increase in wildfires, there's the possibility that the state's insurance premiums could actually go up in the near future. If you're a resident, check out this helpful information about house insurance and the risks in your area:

What Montana Residents Should Know about Wildfires

For homeowners in Montana, especially those living anywhere near a forested area, wildfires are a major concern. While most policies provide some coverage, those living in potential disaster areas may want to double-check their policy. Insurers are less likely to cover dangers in areas that are susceptible to them. Of course, even if you're not covered under the general policy, there may be special add-ons that allow you to get coverage. Whether you're covered or not though, all residents should be knowledgeable about the dangers in their region. Here's some important information that everyone should know about:

• One way to help minimize the damage caused is to plant flame-resistant plants or trees around your home. These shrubs can help prevent flames from quickly spreading to your house. Planting these may even make you eligible for a discount from your provider.
• If possible, you want your home to be constructed out of non-flammable and non-combustible materials. Houses with roofs and exteriors constructed from brick, tile, stone, or slate are much more resistant to flames. If your house is made from wood or other highly combustible materials, your rates may be higher.
• Performing regular maintenance on your dwelling can help prevent or at least diminish the damage caused. For instance, you should regularly clean your roof and gutters of flammable materials, like leaves, branches, and pine needles. It may also help to have your home's building materials treated with flame retardant chemicals.
• Are you thinking about moving and are wondering if your new area is at risk? Contact the local fire marshal or planning and zoning administrator for information about your specific region. They'll be able to inform you if your dwelling is in a high risk locality and even provide you with helpful information for protecting your house.