406-534-8008
Why juggle multiple agencies when you can have all your insurance needs met under one roof? Our independent agency offers a comprehensive selection of coverage options from top-rated insurers, ensuring seamless protection as your life changes. Reach out to us today and let’s simplify your insurance experience together.
Serving Montana Residents and Businesses
Since 2017
Serving Montana Residents and Businesses Since 2017
Serving Montana Residents and Businesses Since 2017
Why juggle multiple agencies when you can have all your insurance needs met under one roof? Our independent agency offers a comprehensive selection of coverage options from top-rated insurers, ensuring seamless protection as your life changes. Reach out to us today and let’s simplify your insurance experience together.
We've Got You Covered!
Home Owners
Home insurance protects homeowners financially from damage to property and belongings caused by events like fire, theft, and natural disasters, offering peace of mind during recovery.
Umbrella
An umbrella insurance policy extends liability coverage beyond standard home or auto insurance, protecting against costly lawsuits and claims that exceed primary policy limits.
Auto
Auto insurance provides financial protection for drivers by covering costs associated with accidents, theft, and liability claims, ensuring peace of mind on the road.
Motorcycle
Motorcycle insurance offers financial protection for riders against accidents, theft, and liability claims, ensuring peace of mind on the road.
Boat
Boat insurance provides financial protection for boat owners against accidents, damage, theft, and liability claims while navigating waterways, ensuring peace of mind on the waves.
Toys
Toy insurance offers coverage for recreational vehicles like ATVs, UTVs, campers, and more, protecting owners from accidents, damage, theft, and liability claims during outdoor adventures.
Commercial
Commercial insurance shields businesses from financial losses due to unforeseen events like property damage and liability claims, ensuring continuity of operations and mitigating risks.
Landlord/Renters
Renters insurance protects tenants’ belongings and liability, while landlord insurance covers property owners against damage and liability claims for rental properties.
Farm
Farm insurance protects farmers’ assets—crops, livestock, equipment, and property—against risks like natural disasters and liability. It ensures financial stability, helping farmers continue their operations despite unexpected challenges.
Pets
Pet insurance provides financial coverage for veterinary expenses, ensuring that pet owners can afford necessary medical care for their beloved animals without financial strain.
Home insurance protects homeowners financially from damage to property and belongings caused by events like fire, theft, and natural disasters, offering peace of mind during recovery.
An umbrella insurance policy extends liability coverage beyond standard home or auto insurance, protecting against costly lawsuits and claims that exceed primary policy limits.
Auto insurance provides financial protection for drivers by covering costs associated with accidents, theft, and liability claims, ensuring peace of mind on the road.
Motorcycle insurance offers financial protection for riders against accidents, theft, and liability claims, ensuring peace of mind on the road.
Boat insurance provides financial protection for boat owners against accidents, damage, theft, and liability claims while navigating waterways, ensuring peace of mind on the waves.
Toy insurance offers coverage for recreational vehicles like ATVs, UTVs, campers, and more, protecting owners from accidents, damage, theft, and liability claims during outdoor adventures.
Commercial insurance shields businesses from financial losses due to unforeseen events like property damage and liability claims, ensuring continuity of operations and mitigating risks.
Renters insurance protects tenants’ belongings and liability, while landlord insurance covers property owners against damage and liability claims for rental properties.
Farm insurance protects farmers’ assets—crops, livestock, equipment, and property—against risks like natural disasters and liability. It ensures financial stability, helping farmers continue their operations despite unexpected challenges.
Pet insurance provides financial coverage for veterinary expenses, ensuring that pet owners can afford necessary medical care for their beloved animals without financial strain.
We Offer Many Choices!
- Safeco
- Travelers
- Progressive
- Nationwide
- Allstate
- Foremost
- Fergus Farm
- Branch
- Concorde
- Montana State Fund
- Aegis
- Next
- Coalition Cyber
We Offer Many Choices!
- Safeco
- Travelers
- Progressive
- Nationwide
- Allstate
- Foremost
- Fergus Farm
- Branch
- Concorde
- Montana State Fund
- Aegis
- Next
- Coalition Cyber
Frequently Asked Questions
Frequently Asked Questions
Frequently Asked Questions
- General Questions
- General Questions
- General Questions
- A deductible is the amount of money that you need to pay out of pocket before your coverage will pay out a claim.
- Example: A hail storm comes through town and causes damage to your home. Your wind/hail deductible on your homeowners policy is $1,000. You will need to pay the first $1,000 yourself, and then your insurance carrier will pay the remainder of the claim. (As long as it is within the limits of your policy.)
- A higher deductible means you need to pay more out of pocket, but your premium is usually lower as a result. A lower deductible means you pay less out of pocket, but your premium is likely higher.
- We offer almost every type of insurance but Health insurance!
- This includes: Home, Auto, Mobile Home, Toys, Umbrella, Commercial, Work Comp, Deductible Buyback Plans, and more!
- If you have a policy that covers your property for the full replacement cost, your carrier will likely withhold the depreciation amount initially when you file a claim. They release this amount when you have completed the repairs or replacements that the claim’s payout was intended for.
- This encourages policyholders to actually replace the damaged property rather than pocketing the money and not making repairs.
- We love to find discounts! There are many offered by our carriers. Some of these include being claims-free, being a good driver, having a new roof, enrolling in paperless document delivery, participating in telematics, and paying in full to name a few!
- Have a chat with us to review your policy to see if there are any discounts that you may not be getting!
- Having extra liability coverage that extends over your property, vehicles, and toys is always a smart decision, but here are some timing aspects that may help you decide whether to get an Umbrella or not:
- Growth of assets: If you’ve acquired a new home, increased savings, investments, or other valuable things you may want to have extra coverage from potential lawsuits or liability claims that exceed your policies’ current limits.
- Higher-risk Activities at home: Do you own a swimming pool, have a trampoline, or have children that enjoy having friends over? It may be a good idea to take a look at the comprehensive coverage an Umbrella provides.
- Professional or Personal exposure: Do you have a high public profile? You may be more susceptible to costly lawsuits as a result. Umbrella policies can help provide peace of mind in the case of litigation.
- High Net Worth: Individuals with a high net worth often find themselves targets of lawsuits seeking large settlements.
- Yes, but only if something concerning your policy changes.
- You are locked into the rate that you signed onto for the whole term unless:
- You make a policy change mid-term (for instance, changing deductibles, limits, etc.).
- A material fact changes mid-term. (for example, your address, people needing to be added to the policy, or a VIN being updated).
- You lose a discount: not completing paperless document delivery enrollment, not finishing a telematics program, or not being able to provide documentation to underwriting pertaining to a discount.
- Actual Cash Value (ACV) is the value of your property at the time it was damaged or destroyed, taking depreciation into account.
- Depreciation refers to the decrease in value of your property as time goes on. It takes into account wear and tear and age.
- If you select ACV as your settlement type, (most auto policies cover vehicles for ACV!) your payout may be less than the cost of replacing your property with new property.
- Replacement Cost is the amount it would cost to replace your damaged or destroyed property with a similar, new item at current market prices.
- Depreciation is not taken into account, unlike Actual Cash Value.
- If you select Replacement Cost as your settlement type, the payout will cover the full cost of replacing the property with a new piece of property (up to the policy’s limits!).
- A deductible is the amount of money that you need to pay out of pocket before your coverage will pay out a claim.
- Example: A hail storm comes through town and causes damage to your home. Your wind/hail deductible on your homeowners policy is $1,000. You will need to pay the first $1,000 yourself, and then your insurance carrier will pay the remainder of the claim. (As long as it is within the limits of your policy.)
- A higher deductible means you need to pay more out of pocket, but your premium is usually lower as a result. A lower deductible means you pay less out of pocket, but your premium is likely higher.
- We offer almost every type of insurance but Health insurance!
- This includes: Home, Auto, Mobile Home, Toys, Umbrella, Commercial, Work Comp, Deductible Buyback Plans, and more!
- If you have a policy that covers your property for the full replacement cost, your carrier will likely withhold the depreciation amount initially when you file a claim. They release this amount when you have completed the repairs or replacements that the claim’s payout was intended for.
- This encourages policyholders to actually replace the damaged property rather than pocketing the money and not making repairs.
- We love to find discounts! There are many offered by our carriers. Some of these include being claims-free, being a good driver, having a new roof, enrolling in paperless document delivery, participating in telematics, and paying in full to name a few!
- Have a chat with us to review your policy to see if there are any discounts that you may not be getting!
- Having extra liability coverage that extends over your property, vehicles, and toys is always a smart decision, but here are some timing aspects that may help you decide whether to get an Umbrella or not:
- Growth of assets: If you’ve acquired a new home, increased savings, investments, or other valuable things you may want to have extra coverage from potential lawsuits or liability claims that exceed your policies’ current limits.
- Higher-risk Activities at home: Do you own a swimming pool, have a trampoline, or have children that enjoy having friends over? It may be a good idea to take a look at the comprehensive coverage an Umbrella provides.
- Professional or Personal exposure: Do you have a high public profile? You may be more susceptible to costly lawsuits as a result. Umbrella policies can help provide peace of mind in the case of litigation.
- High Net Worth: Individuals with a high net worth often find themselves targets of lawsuits seeking large settlements.
- Yes, but only if something concerning your policy changes.
- You are locked into the rate that you signed onto for the whole term unless:
- You make a policy change mid-term (for instance, changing deductibles, limits, etc.).
- A material fact changes mid-term. (for example, your address, people needing to be added to the policy, or a VIN being updated).
- You lose a discount: not completing paperless document delivery enrollment, not finishing a telematics program, or not being able to provide documentation to underwriting pertaining to a discount.
- Actual Cash Value (ACV) is the value of your property at the time it was damaged or destroyed, taking depreciation into account.
- Depreciation refers to the decrease in value of your property as time goes on. It takes into account wear and tear and age.
- If you select ACV as your settlement type, (most auto policies cover vehicles for ACV!) your payout may be less than the cost of replacing your property with new property.
- Replacement Cost is the amount it would cost to replace your damaged or destroyed property with a similar, new item at current market prices.
- Depreciation is not taken into account, unlike Actual Cash Value.
- If you select Replacement Cost as your settlement type, the payout will cover the full cost of replacing the property with a new piece of property (up to the policy’s limits!).
- A deductible is the amount of money that you need to pay out of pocket before your coverage will pay out a claim.
- Example: A hail storm comes through town and causes damage to your home. Your wind/hail deductible on your homeowners policy is $1,000. You will need to pay the first $1,000 yourself, and then your insurance carrier will pay the remainder of the claim. (As long as it is within the limits of your policy.)
- A higher deductible means you need to pay more out of pocket, but your premium is usually lower as a result. A lower deductible means you pay less out of pocket, but your premium is likely higher.
- We offer almost every type of insurance but Health insurance!
- This includes: Home, Auto, Mobile Home, Toys, Umbrella, Commercial, Work Comp, Deductible Buyback Plans, and more!
- If you have a policy that covers your property for the full replacement cost, your carrier will likely withhold the depreciation amount initially when you file a claim. They release this amount when you have completed the repairs or replacements that the claim’s payout was intended for.
- This encourages policyholders to actually replace the damaged property rather than pocketing the money and not making repairs.
- We love to find discounts! There are many offered by our carriers. Some of these include being claims-free, being a good driver, having a new roof, enrolling in paperless document delivery, participating in telematics, and paying in full to name a few!
- Have a chat with us to review your policy to see if there are any discounts that you may not be getting!
- Having extra liability coverage that extends over your property, vehicles, and toys is always a smart decision, but here are some timing aspects that may help you decide whether to get an Umbrella or not:
- Growth of assets: If you’ve acquired a new home, increased savings, investments, or other valuable things you may want to have extra coverage from potential lawsuits or liability claims that exceed your policies’ current limits.
- Higher-risk Activities at home: Do you own a swimming pool, have a trampoline, or have children that enjoy having friends over? It may be a good idea to take a look at the comprehensive coverage an Umbrella provides.
- Professional or Personal exposure: Do you have a high public profile? You may be more susceptible to costly lawsuits as a result. Umbrella policies can help provide peace of mind in the case of litigation.
- High Net Worth: Individuals with a high net worth often find themselves targets of lawsuits seeking large settlements.
- Yes, but only if something concerning your policy changes.
- You are locked into the rate that you signed onto for the whole term unless:
- You make a policy change mid-term (for instance, changing deductibles, limits, etc.).
- A material fact changes mid-term. (for example, your address, people needing to be added to the policy, or a VIN being updated).
- You lose a discount: not completing paperless document delivery enrollment, not finishing a telematics program, or not being able to provide documentation to underwriting pertaining to a discount.
- Actual Cash Value (ACV) is the value of your property at the time it was damaged or destroyed, taking depreciation into account.
- Depreciation refers to the decrease in value of your property as time goes on. It takes into account wear and tear and age.
- If you select ACV as your settlement type, (most auto policies cover vehicles for ACV!) your payout may be less than the cost of replacing your property with new property.
- Replacement Cost is the amount it would cost to replace your damaged or destroyed property with a similar, new item at current market prices.
- Depreciation is not taken into account, unlike Actual Cash Value.
- If you select Replacement Cost as your settlement type, the payout will cover the full cost of replacing the property with a new piece of property (up to the policy’s limits!).