Personal Insurance
Personal Insurance
Your Shield Against Life's Uncertainties
JM Insurance Group specializes in various personal insurance options, from home and auto to unique items like motorcycles and boats. As an independent agency, we offer comprehensive coverage from A-rated companies, ensuring continuity as your needs evolve.
Understanding insurance can be complex, but we’re committed to clarity at JM Insurance Group. We provide face-to-face consultations to explain coverage and address gaps in your insurance plan. With periodic reviews, we adapt to life changes and ensure you’re always protected.
Your Shield Against Life's Uncertainties
JM Insurance Group specializes in various personal insurance options, from home and auto to unique items like motorcycles and boats. As an independent agency, we offer comprehensive coverage from A-rated companies, ensuring continuity as your needs evolve.
Understanding insurance can be complex, but we’re committed to clarity at JM Insurance Group. We provide face-to-face consultations to explain coverage and address gaps in your insurance plan. With periodic reviews, we adapt to life changes and ensure you’re always protected.
Personal Insurances
Home
Home insurance safeguards more than just the structure—it protects the memories, comfort, and security you’ve built inside. Whether damage from a storm, theft, or unexpected accidents, the right coverage ensures you’re not left facing the financial burden alone. It provides reassurance that your home, belongings, and loved ones are protected, allowing you to relax.
Home
Home insurance safeguards more than just the structure—it protects the memories, comfort, and security you’ve built inside. Whether damage from a storm, theft, or unexpected accidents, the right coverage ensures you’re not left facing the financial burden alone. It provides reassurance that your home, belongings, and loved ones are protected, allowing you to relax.
Auto And MotorCycle
Auto and motorcycle insurance help protect you, your passengers, and your vehicle—whether you’re heading to work or on a weekend ride. From fender benders to major accidents, the right coverage ensures you’re not left facing repair bills or liability alone. It offers peace of mind so you can focus on the journey ahead, knowing you’re prepared for the unexpected.
Auto And MotorCycle
Auto and motorcycle insurance help protect you, your passengers, and your vehicle—whether you’re heading to work or on a weekend ride. From fender benders to major accidents, the right coverage ensures you’re not left facing repair bills or liability alone. It offers peace of mind so you can focus on the journey ahead, knowing you’re prepared for the unexpected.
Toys (ATVs, Trailers,Campers, UTVs, Boats,Ebikes, and more!)
Insurance for your recreational “toys”—like ATVs, trailers, campers, UTVs, boats, e-bikes, and more—offers essential protection to enjoy your time outdoors without worry. Whether you’re towing a camper cross-country or riding trails on your UTV, coverage helps guard against accidents, theft, and damage. It puts your mind at ease by shielding you from unexpected mishaps that could otherwise turn a fun outing into a costly setback.
Toys (ATVs, Trailers,Campers, UTVs, Boats,Ebikes, and more!)
Insurance for your recreational “toys”—like ATVs, trailers, campers, UTVs, boats, e-bikes, and more—offers essential protection to enjoy your time outdoors without worry. Whether you’re towing a camper cross-country or riding trails on your UTV, coverage helps guard against accidents, theft, and damage. It puts your mind at ease by shielding you from unexpected mishaps that could otherwise turn a fun outing into a costly setback.
Hobby Farms
Hobby farm insurance supports your passion for rural living by protecting your property, livestock, equipment, and outbuildings. Whether you raise animals, grow produce, or enjoy life on your land, this coverage helps safeguard your efforts from unexpected losses. It brings peace of mind, allowing you to focus on what you love most—life on the farm.
Hobby Farms
Hobby farm insurance supports your passion for rural living by protecting your property, livestock, equipment, and outbuildings. Whether you raise animals, grow produce, or enjoy life on your land, this coverage helps safeguard your efforts from unexpected losses. It brings peace of mind, allowing you to focus on what you love most—life on the farm.
Personal Umbrella
An umbrella policy provides an extra layer of protection when the limits of your auto, home, or other primary insurance policies are exceeded. It’s designed to cover large liability claims or lawsuits, helping protect your assets and future earnings. Think of it as a financial safeguard that offers broader coverage and greater peace of mind in uncertain situations.
Personal Umbrella
An umbrella policy provides an extra layer of protection when the limits of your auto, home, or other primary insurance policies are exceeded. It’s designed to cover large liability claims or lawsuits, helping protect your assets and future earnings. Think of it as a financial safeguard that offers broader coverage and greater peace of mind in uncertain situations.
Short-term Rentals (Airbnb, Vacasa, etc.)
Insurance for short-term rentals like Airbnb or Vacasa helps protect your property, income, and liability while hosting guests. From accidental damage to unexpected injuries, this coverage ensures you’re prepared for the unique risks that come with short-term stays. It gives you the confidence to rent your space, knowing you’re financially protected every step of the way.
Short-term Rentals (Airbnb, Vacasa, etc.)
Insurance for short-term rentals like Airbnb or Vacasa helps protect your property, income, and liability while hosting guests. From accidental damage to unexpected injuries, this coverage ensures you’re prepared for the unique risks that come with short-term stays. It gives you the confidence to rent your space, knowing you’re financially protected every step of the way.
Life
Life insurance offers lasting protection by ensuring your loved ones are financially supported if you can no longer care for them. It helps cover final expenses, replace lost income, and provide long-term stability during a difficult time. More than just a policy, it’s a way to leave behind peace of mind and a meaningful legacy.
Life
Life insurance offers lasting protection by ensuring your loved ones are financially supported if you can no longer care for them. It helps cover final expenses, replace lost income, and provide long-term stability during a difficult time. More than just a policy, it’s a way to leave behind peace of mind and a meaningful legacy.
Pet
Pet insurance helps you care for your furry companions by covering unexpected vet bills, illnesses, and accidents. From routine checkups to urgent care, it provides the financial support you need to make the best decisions for your pet’s health. It offers comfort and security so you can focus on their well-being without stress.
Pet
Pet insurance helps you care for your furry companions by covering unexpected vet bills, illnesses, and accidents. From routine checkups to urgent care, it provides the financial support you need to make the best decisions for your pet’s health. It offers comfort and security so you can focus on their well-being without stress.
Frequently Asked Questions
- Auto Insurance Questions
What liability limits should I select for Auto Insurance?
- While Montana only requires $25,000/$50,000/$20,000 as state minimum limits, we at JMIG will not insure drivers for that little. We believe this is nowhere near the amount of insurance a driver needs to protect on the road adequately.
- How do you know how much to carry? We recommend carrying at least $100,000 per person bodily injury, $300,000 bodily injury per accident, and $100,000 property damage. While this can still potentially be maxed out in the case of a pile-up or similar costly accidents, it is a good starting point for most drivers. We like to look at higher limits, as they usually are not too much more expensive than $100,000/$300,000/$100,000 and protect you and your family more comprehensively.
- When determining coverage amount, you should always consider the assets you want to protect, your driving behaviors, and the average value of vehicles on the road. We are happy to lend a helping hand in this process!
How are car insurance rates determined?
- Age – Younger drivers tend to be less experienced on average and are often involved in accidents.
- Driving Record – A history of accidents and violations increases insurance premiums.
- Type of Vehicle—Though a car may be older or newer, insurance companies also consider its safety rating and average cost to determine rates. Vehicle safety and the cost to repair or replace it vary widely from vehicle to vehicle.
- Annual Mileage – Drivers who drive more often tend to have higher rates.
- Where you live – Location plays a significant role in determining rates. Insurers go by zip code and examine the number of claims paid out.
- Claim Filing Frequency – Drivers who file claims more often than not are likelier to file more claims in the future. This causes rates to increase to offset this risk.
- Credit Score—Insurance carriers do a “soft pull” on drivers’ credit. (It’s not a hard inquiry!) Better credit typically results in a better rate.
How long does it take us to quote Auto Insurance?
- We strive to have quotes out within 4 hours at the most from your call! (During operating hours, of course!)
Does car insurance cover maintenance on my vehicle?
- No. Car insurance covers the liability of operating a car (Liability Limits – when you are determined to be at-fault for damages caused by driving) or physical damage caused by a covered loss to your car. (For example, if you have comprehensive and collision coverage [not just liability only!] and a hail storm hits causing damage.)
- Maintenance may be covered by a warranty plan or similar options but not a standard auto policy! (Extended warranties, vehicle maintenance plans, manufacturer maintenance programs, and some credit card benefits.)
I'm not driving at the moment. Should I carry car insurance?
- Yes, if you would like to avoid a surcharge for lapse in coverage.
- If you cancel your insurance due to selling your vehicle or for other reasons and plan on driving again, it may be in your best interest to carry a “Non-Owned Policy.”
- These policies grant you liability coverage if you are found at fault in an accident while driving a borrowed or rented vehicle. They give coverage for bodily injury and property damage losses for other parties on the road.
- Auto Insurance Questions
What liability limits should I select for Auto Insurance?
- While Montana only requires $25,000/$50,000/$20,000 as state minimum limits, we at JMIG will not insure drivers for that little. We believe this is nowhere near the amount of insurance a driver needs to protect on the road adequately. &npsp;
- How do you know how much to carry? We recommend carrying at least $100,000 per person bodily injury, $300,000 bodily injury per accident, and $100,000 property damage. While this can still potentially be maxed out in the case of a pile-up or similar costly accidents, it is a good starting point for most drivers. We like to look at higher limits, as they usually are not too much more expensive than $100,000/$300,000/$100,000 and protect you and your family more comprehensively.
- When determining coverage amount, you should always consider the assets you want to protect, your driving behaviors, and the average value of vehicles on the road. We are happy to lend a helping hand in this process!
How are car insurance rates determined?
- Age – Younger drivers tend to be less experienced on average and are often involved in accidents.
- Driving Record – A history of accidents and violations increases insurance premiums.
- Type of Vehicle—Though a car may be older or newer, insurance companies also consider its safety rating and average cost to determine rates. Vehicle safety and the cost to repair or replace it vary widely from vehicle to vehicle.
- Annual Mileage – Drivers who drive more often tend to have higher rates.
- Where you live – Location plays a significant role in determining rates. Insurers go by zip code and examine the number of claims paid out.
- Claim Filing Frequency – Drivers who file claims more often than not are likelier to file more claims in the future. This causes rates to increase to offset this risk.
- Credit Score—Insurance carriers do a “soft pull” on drivers’ credit. (It’s not a hard inquiry!) Better credit typically results in a better rate.
How long does it take us to quote Auto Insurance?
- We strive to have quotes out within 4 hours at the most from your call! (During operating hours, of course!)
Does car insurance cover maintenance on my vehicle?
- No. Car insurance covers the liability of operating a car (Liability Limits – when you are determined to be at-fault for damages caused by driving) or physical damage caused by a covered loss to your car. (For example, if you have comprehensive and collision coverage [not just liability only!] and a hail storm hits causing damage.)
- Maintenance may be covered by a warranty plan or similar options but not a standard auto policy! (Extended warranties, vehicle maintenance plans, manufacturer maintenance programs, and some credit card benefits.)
I'm not driving at the moment. Should I carry car insurance?
- Yes, if you would like to avoid a surcharge for lapse in coverage.
- If you cancel your insurance due to selling your vehicle or for other reasons and plan on driving again, it may be in your best interest to carry a “Non-Owned Policy.”
- These policies grant you liability coverage if you are found at fault in an accident while driving a borrowed or rented vehicle. They give coverage for bodily injury and property damage losses for other parties on the road.
- Home Insurance Questions
How do I ensure that my home is protected through rising building costs?
- Please review your homeowners’ policy regularly and stay informed about your area’s building code requirements and changes in construction costs. You can always ask your agent to review the home reconstruction cost guide to determine whether your home is adequately protected.
- Look into an extended dwelling endorsement to see if protection is allotted above your policy’s maximum limit.
- Keep an updated Home Inventory. Ensure that the value of your belongings stored within your home has enough coverage under your Homeowners policy’s limits.
I want to rent my home out. What factors should I consider when looking at policies?
- Temporarily Renting – Using a home-sharing service like Airbnb, VRBO, or Vacasa? Consider purchasing a typical Homeowners policy with a home-sharing endorsement.
- Long-term Renting – You should consider looking at a Landlord policy to provide proper coverage.
Is my Home Business covered under my Home policy?
- In most cases, no!
- There are usually restrictions regarding tools and supplies for claims. Your claim may be denied on your home policy if it is related to items used for business purposes.
- How do you ensure that you are covered? Purchase a business policy! These policies can cover liability, business property, loss of business income, and more.
My deductible is high on my home. What can I do?
- We have several options available for achieving a lower deductible!
- We can usually find policies with lower deductibles, but they may come at a higher price.
- We also have Deductible Buyback plans that are a separate membership from your Home policy. They offer reimbursement during a claim to help lessen the blow of a high deductible.
- Home Insurance Questions
How do I ensure that my home is protected through rising building costs?
- Please review your homeowners’ policy regularly and stay informed about your area’s building code requirements and changes in construction costs. You can always ask your agent to review the home reconstruction cost guide to determine whether your home is adequately protected.
- Look into an extended dwelling endorsement to see if protection is allotted above your policy’s maximum limit.
- Keep an updated Home Inventory. Ensure that the value of your belongings stored within your home has enough coverage under your Homeowners policy’s limits.
I want to rent my home out. What factors should I consider when looking at policies?
- Temporarily Renting – Using a home-sharing service like Airbnb, VRBO, or Vacasa? Consider purchasing a typical Homeowners policy with a home-sharing endorsement.
- Long-term Renting – You should consider looking at a Landlord policy to provide proper coverage.
Is my Home Business covered under my Home policy?
- In most cases, no!
- There are usually restrictions regarding tools and supplies for claims. Your claim may be denied on your home policy if it is related to items used for business purposes.
- How do you ensure that you are covered? Purchase a business policy! These policies can cover liability, business property, loss of business income, and more.
My deductible is high on my home. What can I do?
- We have several options available for achieving a lower deductible!
- We can usually find policies with lower deductibles, but they may come at a higher price.
- We also have Deductible Buyback plans that are a separate membership from your Home policy. They offer reimbursement during a claim to help lessen the blow of a high deductible.