Tuesday’s Insurance Tips – Montana Insurance Video Series

Tuesday’s Insurance Tips is an educational video series from Armor Insurance Agency focused on personal lines of insurance in Montana. Each episode explains real-world coverage questions involving auto insurance, homeowners insurance, renters insurance, umbrella policies, recreational vehicle coverage, and other personal protections.

These short videos help individuals and families better understand how insurance works, what their policies cover, and how to make informed decisions about protecting their homes, vehicles, and personal assets.

Homeowner’s Insurance in Montana

Coverage Fundamentals

• Is home insurance required in Montana?
• What does a standard Homeowner’s policy cover in Montana?
• What are the property coverages in a homeowners policy?
• What does dwelling coverage protect?
• What does personal property coverage protect?
• What is loss of use coverage?
• What does the liability component of a Homeowner’s policy cover?
• How does medical payments coverage work for guests?
• Am I covered when I am away from my property?
• Does my homeowner’s policy protect me if my dog bites someone?
• Does my policy cover short-term rentals or roommates?
• What are additional coverages?
• What are “other Coverages” in a Homeowners policy?

Pricing & Policy Mechanics

• What’s the difference between replacement cost and actual cash value?
• How is a deductible applied to a Homeowner’s Policy?
• How is a Homeowner’s policy valued?
• What is co-insurance?
• Is there a co-insurance penalty in a complete loss?
• What is considered a complete loss?
• What is the Extended Replacement cost?
• What is the Guaranteed Replacement Cost
• Does my Homeowners Policy cover me if there is a flood? (borderline, but treated as pricing/coverage limitation logic)
• Are wind and hail damage covered in Montana? (important pricing/risk rating driver in MT)
• Does my homeowner’s policy protect against inflation?
• How much Liability insurance do I need in Montana?
• When should I consider an umbrella policy in Montana?

Risk, Exclusions & Edge Cases

• What’s the difference between named-peril and all-risk coverage?
• What perils are typically covered in a standard policy?
• What risks are covered in the Basic form?
• What risks are covered in the Broad form?
• What risks are covered under the Special form?
• How are valuable items like jewelry or art covered?
• Is my property protected away from the home?
• What are additional living expenses (ALE) and when do they apply?
• Am I protected from sewer/waterbackup
• How often should I review or update my policy in Montana?
• Does My homeowners policy protect me if my dog bites someone? (can also sit in fundamentals, but edge-case liability makes it stronger here)
• Does my policy cover short-term rentals or roommates?

Motorcycle Insurance in Montana

• Do You Need A Motorcycle License in Montana?
• What Are the Requirements To Get A Motorcycle Endorsement In Montana?
• Does a Motorcycle Need To Be Registered In Montana?
• What Is The Knowledge Test To Get A Motorcycle Endorsement In Montana?
• What Is The Skills Test To Get A Motorcycle Endorsement In Montana?
• What Does It Cost To Register A Motorcycle In Montana?
• What Is Montana’s Off-Highway Vehicle Exemption?
• What Restrictions Apply For A Motorcycle Learner License?
• Does Montana Have Motorcycle Helmet Laws?
• Is lane Splitting (Filtering) Legal In Montana?
• Is Motorcycle Insurance Required in Montana?
• Motorcycle Insurance Options In Montana
• Motorcycle Accident Without Insurance In Montana
• How Much Does Motorcycle Insurance Cost In Montana?
• What Does Motorcycle Insurance Cover In Montana?
• Do You Need Motorcycle Insurance for Off-Road Bikes in Montana?

Personal Car Insurance in Montana

• What is Personal Auto Liability Insurance?
• Why Do We Have To Have Liability Insurance?
• What Does Personal Auto Liability Insurance Pay For?
• How Does Personal Auto Liability Insurance Protect Me?
• What Are the Minimum Limits Allowed by Montana Law?
• Does Personal Auto Liability Insurance Have a Deductible?
• Does My Auto Liability Insurance Cover My Passengers?
• Does My Car’s Liability Insurance pay For Legal Costs?