Billings Insurance Rates:

Billings ,MT Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Billings, MT homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Billings, MT is $1604. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Billings, MT: Customer-Reviewed Options


Billings, MT Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Billings, MT. VHome Insurance will help you navigate the world of homeowners insurance coverages in Billings, MT.

Coverage Level Average Annual Premium
$100,000 $642
$200,000 $1,091
$300,000 $1,347
$400,000 $2,053
$500,000 $2,582


Billings, MT Homeowners Insurance Rates by ZIP Code

Home insurance costs in Billings can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
059106 $2,258
59102 $2,138
59101 $2,097


Billings, MT Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Billings, MT, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,645
$1000 Deductible $1,471
$1500 Deductible $1,387
$2500 Deductible $1,251
$5000 Deductible $1,059



Top Home Insurance Agents Near Billings, MT

Home Insurance Company Near Billings, MT Homeowners Insurance Agency Near Billings, MT Address
NA Key Insurance Of Roundup Inc 437 Main Street, Roundup, MT, 59072
State Farm Ed Smith 1655 Shiloh Rd Ste B, Billings, MT, 59106-1726
Farmers George Schmalz 1211 24th St W Ste 5, Billings, MT, 59102
Allstate Mandeville Insurance 130 S PRATTEN ST, COLUMBUS, MT, 59019
Allstate Peggy D. Schneider 2646 Grand Ave Ste 3, Billings, MT, 59102

Billings, MT Home Insurance Agents for Top Companies


Billings, MT Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Lockwood CDP, Montana $96 $127 $191
Laurel CCD, Yellowstone County, Montana $97 $129 $194
Shepherd CCD, Yellowstone County, Montana $97 $129 $193


Billings, MT Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Billings, MT5.1%16.7%

Billings Renters Insurance as a Percentage of Rent

Billings Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 371 2.0% $347
$200 to $299 621 3.0% $797
$300 to $499 2,102 13.0% $1247
$500 to $749 5,772 36.0% $1922
$750 to $999 4,348 27.0% $2672
$1,000 to $1,499 1,769 11.0% $3797
$1,500 or more 628 4.0% $5447

Cost Of Homeowners Insurance By Street Near Billings, MT

Streets in Billings Area Homeowners Insurance Cost
Northridge Cir, Sanford St, Discus Cir, Nordbye Ln, Highwood Cir, Southgrove Pl, Claim Jumper Ln, Juneau Dr, Tepee Trl, Park Ridge$755
Goldstrike Dr, Conway St, Ronan Dr, Wendimere Ln, Wild Rose Ave, S Lakeview Dr, S 34th St, S 23rd St, Beverly Ln, Irving Pl$783
Brook Hollow Dr, Industrial Ave, Harmon Ln, Yellowstone River Rd, Full Moon Dr, Lamar Dr, Granger Ave S, Lily Valley Cir, 22nd St W, Swallow Ln$787
Park Ln, Breeds Hill St, McDougall Dr, Fair Park Dr, Centennial St, Smokey Ln, Kluge Ln, Coach Cir, Maywood Dr, Flora Ave$777
Maine St, Greenspring Pl, Colt Trl, Concord Dr, 6th St W, Governors Blvd, Augsburg Drive A, Belknap Ave, Alta Vista Ave, Angel Ln$785
River View Dr, Wentworth Dr, Saddle Ln, Bridle Path Rd, S 33rd St, Carbon St, 27th St W, Waverly Dr, 11th Ave S, Golf Dr$783
Chancery Ln, Terminal Cir, Labrun Ln, S Daffodil Dr, Weil St, S 22nd St W, 11th St W, Pryor Ave, Stinson Ave, Becraft Ln$766
Old Hwy 87, S Mariposa Ln, Millice Ave, N 7th St, Castle Stone Ave, S 27th St, Ruby Range Way, Mecca Dr, Wingate Ln, Swan Ln$808
Thrush St, Westlake Cir, 16th St W, Belknap Ave, Monroe St, 38th St W, Overland Ave, State Ave, 10th Ave S, Ashley Ct W$761
Grecian Way, Nimitz Dr, Vida Ln, Dorothy Ln, 8th Ave N, Surrey Cir, Summerwood Cir, Pemberton Ln, Highwood Dr, Big Sky Country Cir$797

Billings, MT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Billings$115 to $117
South Yellowstone$117

Average Cost Of Home Insurance By Company In Areas Nearby Billings For Different Scenarios

Home value ($) Age of home (years) Pets Company Average homeowners insurance premium ($)
180,000 40 NA Allstate Vehicle & Property Ins. Co. 1,511
300,000 5 Miniature poodle Allstate Vehicle & Property Ins. Co. 1,346
350,000 50 NA Allstate Vehicle & Property Ins. Co. 1,664
180,000 40 NA Csaa Insurance Group 1,227
250,000 20 Golden retriever Farmers Insurance Exchange 2,216
250,000 20 Golden retriever Safeco Insurance Co. Of America 1,338
300,000 5 Miniature poodle Safeco Insurance Co. Of America 1,593
180,000 40 NA State Farm Fire And Casualty Co. 2,337
250,000 30 Labrador retriever Usaa Casualty Insurance Co. 1,186
300,000 5 Miniature poodle United Services Auto Association 838


Billings, MT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Billings Homeowner Insurance Premium Example $1,200$1,000
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,400$9,800
Net Savings to Billings Home Owner from High Deductible Plan $600


Billings, MT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Billings, MT Home Replacement Value MORE than Home Value Billings, MT Home Replacement Value LESS than Home Value
Replacement Value $292,000 $177,000
Insurance Premium based on Replacement Value $1,225 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $68,500 Risk Exposure from Under Insuring Coverage is $46,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $275/year


Example Billings Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateTravelers
Monthly Premium 1234449
Year Built 199319812010
Home Details 5 Beds, 4 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$125000-$150000$150000-$175000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible