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Best Homeowners Insurance Agencies in Billings

2024

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Providers

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Website
1111 Main Street, Billings, MT 59105
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

JM Insurance Group is an independent agency that provides insurance for homeowners around the Billings area. The company's agents offer insurance products from different insurance providers, giving their clients different coverage options depending on their specific needs. Aside from protecting homes for homeowners, landlords and renters, they also provide insurance coverage for ATVs, automobiles, boats, and motorcycles as well as other personal belongings that could be damaged in a disaster.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
812 Central Avenue, Billings, MT 59102
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Merenz Insurance Agency is an independent insurance agency in Billings that helps people who are looking for insurance policies to protect their important investments. One of the insurance products the agency provides is homeowners' insurance. This type of insurance can cover both the clients' primary and secondary homes. The company's agents present different options to their clients to give them the most suitable coverage. They also provide home insurance for landlords, renters, condominiums and townhomes, and mobile and manufacture homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1948 Grand Avenue, Billings, MT 59102
  • Multiple Policy Types

Why choose this provider?

Don Lillis - State Farm Insurance Agent offers a variety of homeowners insurance options to residents of Billings and the surrounding communities. As a second-generation insurance agent and a Chartered Life Underwriter since 1987, he has extensive experience helping clients choose policy coverage that fits their needs, including for the dwelling, structural damage, liability claims, possible lawsuits, and personal possessions. Mr. Lillis is available for clients 24/7 and also offers many other types of insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1320 28th Street West, Billings, MT 59102
  • Renter's Insurance
  • Condos

Why choose this provider?

Darnielle Insurance is a family-owned insurance agency that is headquartered in Billings, offering insurance services for more than three decades. Insurance agents at this agency are knowledgeable and have the experience of selecting the right insurance policy to match the personal needs of the client. They offer homeowners' insurance policies to safeguard clients from incurring losses due to property damage. They also provide car insurance for personal or business vehicles with liability protection in case of accidents and collisions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (49)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1132 Central Avenue, Billings, MT 59102
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

In Billings, Jalbert Insurance Agency offers a variety of insurance services such as home and renter's insurance. With more than 15 years of experience, the firm provides insurance for properties including condominiums, mobile homes, and townhomes. Its coverage mostly focuses on home replacement costs and contents coverage, identity theft, valuable articles policy, and personal offense. Whether clients need home or renter's insurance, the agency works on getting them the right coverage. Auto and commercial insurance are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
223 Shiloh Road, Billings, MT 59106
  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire

Why choose this provider?

Thurston Family Insurance is an independent agency serving clients in and around the Billings area. Its agents possess over 30 combined years of experience and are committed to helping homeowners choose the best coverage options for their residences. Thurston Family Insurance's featured carriers include Progressive, Allstate, The Hartford, and other well-known insurance companies. In addition to homeowners insurance, this agency sells auto, business, life, and recreational insurance, as well as annuities and Medicare.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (82)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2500 Grand Avenue, Billings, MT 59102
  • Renter's Insurance
  • Multiple Policy Types
  • Condos
  • Personal Property Insurance
  • Multiple Carriers

Why choose this provider?

Billings insurance agency Conver and Winchell offers personal, automobile, and home insurance solutions to residents in the metro. The company provides home insurance policies that protect homes and their contents from damage and accidents. Its packages have a home replacement feature that covers the full cost of the repair of a damaged home provided it's insured for 100% of its value. Conver and Winchell has a 24-hour hotline that handles insurance queries online and via phone.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
411 24th St W #103, Billings, MT 59102
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Rowe Insurance Agency is a locally-owned homeowners' insurance agency managed by the father and daughter tandem of Steve and Faith Rowe. For the past 20 plus years, the Rowes have been helping families and residents in the Billings area find the best possible insurance coverage for their homes. Aside from providing home insurance policies, they also offer quotes for renters and occupants of pole barns with living spaces. Rowe Insurance Agency also provides auto and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3289 Gabel Road, Billings, MT 59102
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Condos
  • Renter's Insurance

Why choose this provider?

PayneWest Insurance is a regional insurance agency based out of Montana. With a history that goes back over fifty years, PayneWest Insurance is an employee-owned agency that offers personal, business, and health benefits insurance plans. Its personal property insurance plan options include both homeowners and renters insurance, as well as RV and watercraft insurance. PayneWest Insurance boasts a top-40 national ranking in the Insurance Journal's listing of best property insurance agencies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.6 / 5 (74)
Google
4.4 / 5 (50)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What elements are taken into account when calculating homeowners insurance premiums in Billings?

    The average Billings homeowners' insurance cost hinges on several factors:

    • Construction: The building materials used and potential extra coverage for custom home building.
    • Location: Includes the ZIP code, state, and the area's claims history.
    • Replacement cost: The expense of completely rebuilding the same house.
    • Age of the house: House age and upgrades.
    • Home-based business: Operating a home business can increase your premium to safeguard business assets.
    • Swimming pool: Ownership of a swimming pool may necessitate increased liability coverage to address potential injuries.
  • Is it mandatory to have homeowners insurance in Billings?

    While homeowners' insurance is not legally mandatory in Billings, it is strongly recommended to ensure you have enough protection for your home. If you have a mortgage or lender involved in your property, you will typically be required to have homeowners' insurance. Having the appropriate coverage is crucial to prevent severe financial losses.

  • Does homeowners insurance provide coverage for hail damage in Billings?

    Homeowners insurance often includes coverage for hail damage, although your policy might only cover a portion of the required repairs. Some policies may limit claims for minor hail damage due to the frequent hailstorms in Billings, which can also result in higher homeowners' insurance rates. Nonetheless, many companies offer policy discounts if you take measures to protect your windows and roof from hail damage.

  • What criteria do insurance companies consider when determining whether to grant or decline homeowners insurance coverage in Billings?

    Billings insurers consider various factors for homeowners insurance approval or denial:

    • Property condition: An agent will check your property's state, and it might lead to denial if your property is considered high-risk.
    • Credit and claims history: When applying for insurance, some companies may check your credit and claims history, potentially leading to denial for low scores or certain claim patterns.
    • Property location: Flood-prone homes might be denied coverage. Also, eligibility and costs can be affected if you live in a high-crime area.
  • Are there insurance plans that offer coverage for vacation homes in Billings?

    Standard homeowners insurance policies in Billings usually do not provide coverage for these situations because they often have restrictions on how long your property can remain vacant, but some insurers do offer coverage for longer vacant periods at a higher annual cost due to the increased risks involved.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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