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.

August is here, and while the summer heat may still be lingering, it's the perfect time to start thinking about preparing your home for...

Summer on the farm brings a rush of life and energy—from seedlings sprouting to livestock grazing under the sun. But it also brings...

Farming in Montana means working with the land—but also battling unpredictable weather. As crops take root and summer begins, June is the...

Running a farm or ranch is both a rewarding and challenging endeavor. With unpredictable risks ranging from extreme weather to equipment...

Life insurance is one of the most important financial tools you can have, yet it’s often overlooked or deferred until later in life. Many...

As the seasons change and winter gives way to spring, it’s the perfect time to give your vehicle the care and attention it needs. The...

February is the perfect time to celebrate the special people in our lives! While most are honoring their spouses and sweethearts, we at KW Insurance are sending heartfelt appreciation to our incredible team. These dedicated individuals work tirelessly to care for our valued clients, and we couldn’t be prouder of the honest, trustworthy, and compassionate service they provide every day. Why We’re Grateful Every day, our team goes the extra mile to ensure your family, home, and

As your insurance agent, we want you and your farm to remain safe so here are some facts to keep in mind when it comes to shopping around for farm insurance. Not Standardized Many people assume that a farm insurance policy is just a large bundle of predetermined coverages. While this is often the case when shopping for other kinds of insurance, like health, auto, or even homeowner’s insurance, that is definitely not the case with farm insurance. That’s because each farm is so

We all want our kids to live long, healthy lives, which is why child life insurance may not feel like a top priority. It’s worth considering, though, as it can lock in low rates and act as an investment vehicle for your children. As your insurance agent, we care about you and your family so we’ve compiled the following list of pros and cons to help you determine if life insurance for your child is the best choice for you. What is child life insurance? Child life insurance cov

Adding something new to your home or yard, like a pool or trampoline, can be exciting and enhance your lifestyle. But before you dive in, it's essential to inform your insurance agent about these additions. Why? Because these new features can significantly impact your homeowners policy. Here are four important reasons why keeping your agent in the loop is a smart move: 1. Risk Assessment and Coverage Needs When you add a pool or trampoline to your property, you're not just