May is one of the busiest and most exciting months on Montana farms and ranches. Fields are being planted, calves are on the ground, equipment is running long hours, and plans for the growing season are becoming reality. It is also one of the best times to review your farm and ranch insurance. Operations evolve from year to year. New machinery is purchased, additional acres are leased, livestock numbers change, and buildings may be added or improved. When your insurance polic

So, you finally decided to pull the trigger on that home improvement project. Maybe the contractor is coming Monday to start the pool excavation, or perhaps you just spent three hours in the backyard assembling a trampoline while your kids swore—up and down—they’d "be super careful." We get it. Improving your home is exciting. But before the first nail is driven or the first splash is made, there is one quick task that needs to move to the top of your to-do list: Checking in

When was the last time you checked the age of your roof? For many homeowners, the roof is a "set it and forget it" part of the house—until a hailstorm or heavy wind occurs. In the insurance industry, the age of your roof is one of the most significant factors determining how much you’ll pay out of pocket after a claim. Understanding the difference between Replacement Cost Value (RCV) and Actual Cash Value (ACV) can save you from a massive financial surprise. Replacement Cos

February often acts as a bridge between the deep chill of winter and the frantic pace of the spring planting season. While the fields may still be quiet, this month is a critical time for planning and reflection.

Preventing hypothermia is important because it can be a life-threatening condition. Hypothermia occurs when your body loses heat faster than it can produce it, causing your core body temperature to drop below the normal range (around 98.6°F or 37°C). Preventing hypothermia involves taking measures to stay warm, dry, and protected in cold environments. Take proactive steps to avoid hypothermia. Dress in Layers Wear multiple layers of clothing to trap warm air close to your bo

In Montana’s growing rental market—especially in college towns like Missoula or Bozeman and cities like Great Falls—many renters mistakenly believe their landlord’s insurance will protect their belongings. Unfortunately, that’s not the case. Whether you rent a house, apartment, or basement suite, you need renters insurance to safeguard your stuff and your finances. 1. What Renters Insurance Actually Covers Renters insurance is a policy designed specifically for tenants. It i

Hosting Thanksgiving is a wonderful opportunity to bring everyone together—and a big responsibility rolled into one. With the hustle of cooking, cleaning, and welcoming loved ones, it’s easy for safety and preparation to fall down the to-do list. From slippery walkways and kitchen chaos to drinking guests and playful pets, your home becomes the epicenter of risks this holiday. But a bit of proactive planning—both in how you set things up and in reviewing your insurance protec

For farmers, September is one of the busiest months of the year. It’s harvest season in many states, and long days in the field mean long lists of to-dos. From running heavy equipment to bringing in seasonal workers, the risks are high — and one accident or loss can cut into your profits.