Personal
Insurance
Whether you’re buying coverage for the first time or just want a second opinion, we’ll help you find an individual insurance plan that fits your life, your budget, and your goals. We explain what’s covered, what’s not, and how to avoid surprises down the road.
Auto Insurance
From daily drivers to project cars, we’ll help you find a plan that balances good coverage with smart pricing. Bundling with home insurance can often lower your rates.
Homeowners & Renters Insurance
Whether you own or rent, we’ll help you cover your home, personal belongings, and liability—because accidents and wild Montana weather don’t check your lease.
RV, Boat & Toy Insurance
You’ve worked hard for your toys—let’s make sure they’re protected. We offer coverage for RVs, motorcycles, boats, ATVs, and more.
Individual Insurance FAQ
Honest answers to real questions
Do I need health insurance if I’m healthy?
Yes, even if you’re healthy now, unexpected medical bills can be financially overwhelming. A single ER visit or injury can cost thousands without coverage. Having a plan gives you peace of mind, plus access to preventive care like checkups and screenings. We’ll help you find one that fits your needs and budget without overpaying.
Can I get auto insurance without bundling it with my home?
Yes, you can buy auto insurance on its own, but bundling it with your home or renters policy often gives you a better deal. Many carriers offer multi-policy discounts that can save you real money. If bundling doesn’t make sense for you, we’ll still shop around to find the best rate for standalone coverage. Either way, we explain the trade-offs so you can decide.
What does homeowners insurance actually cover?
Homeowners insurance covers your home’s structure, your personal belongings, and your liability if someone gets hurt on your property. It typically includes coverage for fire, wind, theft, and more—but not floods or earthquakes unless you add those separately. We’ll help you understand what’s standard, what’s optional, and how to avoid gaps. Every policy is different, so we walk you through the details.
Is RV or toy insurance required in Montana?
Some vehicles—like motorcycles or RVs you drive on public roads—are legally required to have insurance in Montana. Others, like boats or ATVs, may not be required by law but still need protection from accidents, theft, or damage. We recommend coverage that fits how, where, and how often you use your toys. One crash or fire could cost more than the policy ever would.
Can you help if I’m between jobs or lost coverage?
Absolutely. If you’ve recently lost health insurance due to a job change or other life event, you may qualify for a special enrollment period. We’ll help you understand your options on the Marketplace or with private plans. Short-term coverage can be a good bridge if you just need something temporary. We’ll explain the pros and cons so you’re not left guessing.