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 policy reflects those...

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 with your local...

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 Cost: The Perk of a...