Frequently Asked Questions

KW Insurance offers several types of coverage for individuals, families, farmers, ranchers, and businesses in Montana. Insurance options include auto, home, life and health, crop, and farm and ranch insurance. Coverage options and policy terms vary based on the type of insurance and individual circumstances.

Farm and ranch insurance can combine coverage for your home, other structures, personal property, farm equipment, livestock, hay, and additional farm buildings. Options may include coverage for barns, grain bins, shops, sheds, rented or borrowed equipment, and other farm property. The coverage available depends on the policy and the needs of the operation.

Farm insurance may provide coverage for certain farm personal property, including machinery and equipment. Coverage can also extend to rented or borrowed equipment depending on the policy. Farmers in the Sunburst and Shelby areas should review the specific equipment and property included in their policy.

Crop insurance is designed around risks associated with crops and agricultural production, while farm and ranch insurance can address property, equipment, livestock, structures, and other aspects of a farm operation. These policies serve different purposes and may work together as part of an overall farm insurance plan. KW Insurance specializes in both crop insurance and farm and ranch insurance.

A homeowners policy may provide coverage for personal possessions up to specified limits. Certain valuables, such as jewelry, may have special limits and could require additional coverage. Policy terms, exclusions, and limits vary, so Montana homeowners should review their individual policy when evaluating their belongings.

A homeowners policy may include coverage for additional living expenses when a covered loss makes the insured home unfit for use. The amount and circumstances of coverage depend on the policy terms and the type of loss involved.

KW Insurance offers auto insurance for cars, trucks, vans, and other vehicles. The agency also lists motorcycle, ATV and motorsport, classic car, RV and mobile home, boat, and watercraft insurance among its vehicle-related options. Coverage varies by vehicle type and policy.

A farm and ranch policy can combine coverage for the residence with other farm-related property, depending on the policy. Options may include the home, private structures, household property, farm machinery, livestock, barns, grain bins, shops, and sheds. The appropriate combination depends on how the property and operation are used.

KW Insurance offers term, whole life, and universal life insurance. Term life provides coverage for a specified period, while whole life is designed to remain in force for life when premiums are paid as required. Universal life provides permanent coverage with flexible premium and face amount features, subject to policy terms.

KW Insurance has offices in Sunburst and Shelby, Montana, and provides personal, commercial, crop, farm and ranch, home, auto, and life and health insurance services. Customers can contact the agency to discuss their insurance needs and available coverage options. The Sunburst office can be reached at (406) 937-6950, while the Shelby office can be reached at (406) 424-8480.