Anvil Insurance Services, LLC
3124 1st Ave N, Billings, MT 59101
View this agency's profile to learn more about their services.
Loading...
City directory
Billings households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
3124 1st Ave N, Billings, MT 59101
View this agency's profile to learn more about their services.
2619 St. Johns Ave, Suites B & C, Billings, MT 59102
View this agency's profile to learn more about their services.
2345 King Avenue West, Suite E, Billings, MT 59102
View this agency's profile to learn more about their services.
2047 Broadwater Ave, Ste 1, Billings, MT 59102
View this agency's profile to learn more about their services.
411 24th St W, #103, Billings, MT 59102
View this agency's profile to learn more about their services.
1925 Grand Ave, #138, Billings, MT 59102
View this agency's profile to learn more about their services.
223 Shiloh Rd, Billings, MT 59102
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Billings residents.
Billings home insurance averages $3,428/year due to hail risk. Learn about coverage requirements, flood insurance needs, and how to save on your policy.
Car InsuranceBillings auto insurance averages $2,157/year. Learn Montana's 25/50/20 minimums, at-fault system, and how I-90/I-94 driving conditions affect your coverage.
General Insurance EducationComplete insurance guide for Billings, MT residents. Learn why rates are higher, how to save on auto and home coverage, and what protection you need.
Billings sits in Yellowstone County, which experiences the highest rate of hail damage claims in Montana. The area recorded 128 ground-level hail reports in the past year, with storms producing 1.5-inch hail and 80 mph winds. Insurance companies price their policies based on claim history, and frequent severe weather means higher premiums for Billings homeowners.
No, standard homeowners insurance policies exclude flood damage entirely. Since 41% of Montana properties face some flood risk, you'll need separate flood insurance through the National Flood Insurance Program if you live near the Yellowstone River or in flood-prone areas. Your mortgage lender may require this coverage depending on your property's location.
Document the damage with photos, cover any holes with tarps to prevent further water damage, and file your claim promptly. After major storms, roofers and insurance adjusters get backlogged quickly, so early reporting gets you in the queue faster. Keep all receipts for temporary repairs—your policy's additional living expenses coverage may reimburse these costs.
Montana is the fourth-most seismically active state in the U.S., yet earthquake coverage isn't included in standard homeowners policies. You'll need to add it as an endorsement, which adds cost to your premium. Whether it's worth it depends on your home's construction, foundation type, and your risk tolerance for potentially catastrophic but infrequent events.
Quite a lot. The cheapest insurer in Billings (Chubb) averages $1,683 annually, while the average across all insurers is $3,428—a difference of nearly $1,750 per year. Even among major carriers, you can see swings of $1,000 or more for identical coverage. Getting quotes from at least three companies is essential.
It depends on whether you took reasonable precautions. If you maintained heat in your home and insulated exposed pipes, coverage typically applies. But if you left for vacation without winterizing your home or left the heat off during freezing temperatures, insurers may deny the claim. Prevention is key—and explicitly addressed in most policies.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network