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

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

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

Farm insurance can be confusing. If you are a farmer, homesteader, or rancher of any kind, it is important to understand what farm insurance covers. You may be asking yourself if you need farm insurance. Consider the following questions: 1. Is Your Farm a Business or a Hobby? One of the easiest ways to determine whether you actually need farm insurance is to look at your reasons for farming.  If you’re just farming to sustain your family or as a hobby, then you probably don’t

In the world of agriculture and farming, livestock represents not just an investment but a way of life. Farmers and ranchers dedicate tireless effort and resources to ensure the well-being of their animals. However, despite the best precautions, unforeseen circumstances such as disease outbreaks, natural disasters, or accidents can threaten the livelihoods built around these animals. This is where livestock insurance steps in as a crucial risk management tool, offering financ

Becoming a teenager is marked by excitement, new experiences, and a growing sense of independence. For many teenagers, obtaining a driver’s license is a rite of passage that opens up a world of possibilities. However, with this newfound freedom comes a set of responsibilities, including understanding the complex world of insurance. Considerations for Insuring Teenage Drivers ⦁ When it comes to insurance premiums, adding a teenage driver to your policy can lead to an increase

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