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Billings
Get In Touch With Us
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Address:
644 Grand Ave. Suite 1
Billings, MT, 59101, United States -
Phone: 406-252-0551
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Fax: 406-252-4532
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Email: [email protected]
Office Hours:
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Mon-Fri: 8:00 AM - 5:00 PM
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Sat: Closed/By Appointment Only
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Sun: Closed/By Appointment Only
About Billings
Insurance in Billings, MT
Inszone Insurance in Billings, MT, is your local, independent agency serving families, commuters and business owners across Billings and the surrounding Montana communities. Formerly operating as Streeter Brothers, our Billings office supports individuals and businesses with tailored personal and commercial insurance solutions.
Because we are independent rather than captive, we shop your coverage across multiple carriers instead of fitting you into one company’s box — which matters most when a carrier’s appetite changes and you need to move rather than lose coverage.
Wildfire dominates the Montana property market — the state’s insurance commissioner has put Montana second nationally for the share of homes at risk of catastrophic wildfire, with more than half of properties exposed.
Personal Insurance in Billings
We write home, auto and renters insurance for Billings families, along with landlord and rental property coverage, condo policies, umbrella liability, and coverage for motorcycles, boats, RVs and classic cars. We handle wildfire mitigation documentation and the premium credits Montana now authorizes for it, because that is what keeps Montana homeowners in the admitted market. We would rather show you what raising a limit actually costs than quote you the cheapest possible policy and leave you to find out later.
Business Insurance in Billings
On the commercial side we write general liability, commercial property, business owner’s policies, commercial auto and fleet, workers’ compensation, cyber liability, professional liability and surety bonds for Billings businesses. Montana’s Workers’ Compensation Act applies to all employers, and we help verify subcontractor exemption certificates so an uninsured sub’s injury does not land on your policy. We also issue certificates of insurance and additional insured endorsements quickly, because that is usually what is holding up your job.
FAQs
What are the minimum auto insurance requirements in Montana?
Montana requires liability limits of at least $25,000 per person, $50,000 per accident, and $20,000 for property damage. Montana is a pure at-fault state with no PIP. Uninsured motorist coverage must be included in every policy unless the named insured rejects it in writing.
Can my insurer non-renew me over wildfire risk?
It has been happening across the state, though the rules have been tightening in homeowners’ favor: Montana authorized premium credits for wildfire mitigation in 2025, and the State Auditor issued an advisory moratorium against cancelling or non-renewing based on perceived wildfire risk alone. Montana has no FAIR Plan, so if the admitted market does decline you the next stop is surplus lines. Documented mitigation — ignition-resistant roof, fire-resistant siding, defensible space — is what preserves your options.
Does my Billings business need workers’ compensation insurance?
Yes — the Workers’ Compensation Act applies to all employers and all employees, effectively from the first hire. Household and domestic employment, casual employment, sole proprietors, partners and working LLC members are among the statutory exemptions. If you hire subcontractors, verify an Independent Contractor Exemption Certificate or a policy, or the claim becomes yours.
How do I get a quote from your Billings office?
Call our Billings office at 406-252-0551, use the quote form on this page, or stop by 644 Grand Ave. Suite 1. It speeds things up if you have your current declarations page handy — for business coverage, your annual revenue, payroll by job class and loss runs for the last three to five years. If you have a non-renewal or cancellation notice, bring it; the date on it changes what options we have.
Our Billings Team
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