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.

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...

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

Welcome to our blog on summer sports safety! With the warmer weather and longer days, many of us are excited to engage in physical activities and sports during summer. However, it's important to keep safety in mind to prevent common injuries that can put a damper on your summer fun. Whether you're hitting the soccer field, riding a bike, or playing beach volleyball, here are some essential tips to avoid injuries during physical activities. 1. Warm up and stretch: Before jumpi

In the heartland of agriculture, where vast fields stretch to the horizon and grain silos dot the landscape, grain bins stand as silent sentinels, holding the bounty of harvest. However, within these towering structures lies a hidden danger that can swiftly turn a routine task into a life-threatening situation: grain bin entrapment. As we delve into the world of agriculture, it’s crucial to shed light on grain bin safety and the measures farmers and workers can take to mitiga