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Home Insurance in Billings, Montana

Understanding Home Insurance Costs in Billings

As the largest city in Montana, Billings faces a variety of risks that influence home insurance rates. The national average cost for home insurance is $1,428 per year, but in Billings, homeowners typically pay an average of $1,675 per year. Local weather conditions, wildfire risks, and home characteristics all contribute to this slightly higher premium.

Local Factors Impacting Home Insurance Costs in Billings

Home Insurance Rates by Home Age in Billings

The age of your home is a significant factor in determining your insurance premium. Older homes often have outdated systems, which can lead to more expensive repairs.

Home AgeAverage Annual Premium
0-10 years$1,520
11-25 years$1,640
26-50 years$1,750
51+ years$1,875

Home Insurance Rates by Credit Tier in Billings

Your credit score plays a key role in determining your home insurance premium. Here’s how insurance costs vary by credit score in Billings:

Cheapest Home Insurance Providers in Billings

Even though the average cost of home insurance in Billings is slightly above the national average, there are providers that offer competitive rates:

ProviderAverage Annual Premium
State Farm$1,600
Allstate$1,720
Liberty Mutual$1,690
USAA (military families)$1,580

Home Insurance Rates by Deductible Amount in Billings

Increasing your deductible can help reduce your monthly premiums, but it also means you’ll have to pay more out of pocket if you file a claim.

Types of Homeowners Insurance in Billings

Additional Coverage Options

Frequently Asked Questions (FAQs) about Home Insurance in Billings

Does my home’s age affect my insurance premium? Older homes often have higher premiums because they tend to require more maintenance and have higher repair costs.

Is wildfire insurance necessary in Billings? Yes, given Billings’ proximity to fire-prone areas, wildfire insurance is highly recommended.

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