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Winter is Loosening its Grip...

March 23, 2017 11:40am

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Winter Driving

Posted: November 06, 2016 04:10pm

Being a Montana gal I’ve learned some smart things to do to prepare yourself, and your car, for winter driving.  In addition to some of the things you should pack in your car in the event of a winter travel emergency, you might give some thought to checking your insurance policy for the following reasons:

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Phishing, Don't Take the Bait

Posted: October 11, 2016 09:57pm

Phishing has become one of the most common threats online, fooling even the most tech-savvy and cautious users. Email phishing attempts are so dangerous because they can lead to the theft of sensitive personal data like your social security number or banking accounts and can even put your business at ...

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Your Home may be Underinsured

Posted: August 05, 2016 03:04pm

You pay for home insurance to avoid incurring large out-of-pocket expenses after a something damages your house and personal property. The last thing you need is an insurance company explaining “adequate limits of insurance” after the fact; especially if that explanation means more cost to you.

According ...

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Do You Volunteer Your Time AND Insurance?

Posted: July 06, 2016 04:23pm

Millions of Americans donate time-their most valuable asset-to serve as a volunteer board member on nonprofits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their respective organization-and not always for the ...

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Home Improvement Season!

Posted: April 15, 2016 08:49pm

Be cautious when selecting a contractor to work for you when making repairs or improvements to your home. A couple of things you should know…

The State of Montana has a Contractor Registration Unit where independent contractors can apply to be registered. Part of the registration process involves ...

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Wow... Uber is coming to Montana!

Posted: February 26, 2016 09:17am

As exciting as this sounds, and as easy as it may seem to make a few extra bucks driving for UBER, insuring yourself and your car to drive for UBER is an opportunity that requires further investigation.

My desire is not to frustrate you, but my worry is about getting your claim paid.

A personal ...

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Hey "Sled-Heads" are you ready to go "Billing?"

Posted: January 02, 2016 05:02pm

Snowmobiles today are amazing machines with speed and agility when riding through powder, exploring groomed trails, hitting the “hoopy-doos” ….or wherever your snowmobiling adventures take you. Snowmobiles are also a significant investment and there are insurance products specifically designed to protect ...

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Reducing Your Insurance Costs ... Distinguishing Bad Advice from Good Advice

Posted: November 12, 2015 09:02pm

Many Americans are struggling financially in the current economy, particularly those struck by lay-offs, and are faced with tough decisions about how to reduce expenses. As a result, much has been written in recent months about how to reduce insurance premiums as one aspect of a belt-tightening strategy. ...

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What should I know when buying my Condominium Unit Owners policy?

Posted: October 05, 2015 11:01am

It is important to know that your role as a unit owner is spelled out in your association documents, namely the By-Laws and Declarations. If you can’t lay your hands on a copy you should ask a member of your association board for one.

In these documents it spells out what the responsibility of ...

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Cyber Liability Insurance

Posted: July 17, 2015 09:21am

In this fast paced world, rich in technology, we hang on to the hope that our personal information can remain private. For all the reasons we are asked to produce our birth date, social security number, credit or debit card information we become a bit desensitized to the possibility that it can fall ...

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Summertime and Rental Cars

Posted: June 06, 2015 09:07pm

“Should I buy the insurance offered to me when I rent a car? Won’t my automobile coverage extend?”

When you rent a car you sign a contract with the rental car company. It is our observation that those contracts can hold you responsible for more than what your automobile policy will contemplate, ...

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"All I want is a Quote..."

Posted: February 04, 2015 09:43am

Why are You Asking All These Questions?

Insurance consumers have become very price conscious and from time to time they will seek quotes to see if they can improve their rates.

The first step for an agent in quoting a policy, whether for HOME, AUTO or BUSINESS insurance, is gathering information ...

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Custom Parts & Equipment

Posted: January 04, 2015 08:18pm

Did you know that the new grill guard you had mounted on your pickup truck may not be covered if damaged in an accident? Because the grill guard was not "stock" equipment, your insurance company probably is not obligated to replace it if it were damaged. But, you can add coverage for customized parts ...

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Claims—Surviving the Storm

Posted: December 02, 2014 03:52pm

What if I can’t get my repairs made this year? I got my renewal but my premium went up. How do I deal with this? My home insurance is being non-renewed by my insurance company! What do I do?

The hail storm we had in Billings on May 18, 2014, was classified as a “catastrophic loss” event. ...

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The Value of Having a Local Agent

Posted: November 01, 2014 08:45pm

You can walk in my door, sit down and have one-on-one attention as you’re obtaining quotes for your personal insurance, discussing the insurance needs of your business, or asking for some assistance with your policy, a payment or a claim.

“Wow... I’m too busy…can’t I handle this over the phone or ...

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How you Pay your Premium affects How Much you Pay

Posted: October 06, 2014 04:07pm

One thing that many insurance consumers do not take in to consideration is that how they pay their insurance premium can affect how much they pay.

You may receive a “Paid in Full Discount,” which can be a substantial savings, by paying the premium in full for the coverage term.

When making installment ...

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What to do when Montana Hail Strikes

Posted: August 04, 2014 03:49pm

Report your Claim

Once your claim has been reported an adjuster will be assigned to review your coverage and schedule a time for an inspection. The adjuster will determine the damages and provide an estimate of repair costs. You will need to contact a suitable contractor to make the repairs.

Keep ...

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Covering Theft from your Vehicle

Posted: July 01, 2014 10:03am

It Could Happen Anywhere

It’s Friday at 5:00 and you’re looking forward to meeting friends for dinner. You pack up your laptop, put it in your car, and head off for an evening out. You get back to your car and find that your window has been shattered and your laptop, camera and collection of CDs ...

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Do you have Coverage for Sewer or Drain Backups?

Posted: June 01, 2014 01:01pm

A Limit of Coverage could Help

Were you aware that not all home owner and business owner insurance policies contain coverage for damage caused by sewer or drain backup? You may have to purchase a specific endorsement that would add this to your policy.

Sewer or drain backup can lead to ...

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Don't get Bit by your Home Insurance Policy

Posted: March 25, 2014 04:30pm

Dog Owners and their Home Insurance Policy

As stated in an article in Property Casualty 360, “Just like people, dogs have their good days and bad days. Dog bites can be serious, resulting in severe injuries or even death, as well as emotional damage. As a result, bites can also carry a considerable ...

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Better Personal Property Protection

Posted: February 24, 2014 09:45pm

Add Personal Property Endorsement

A Scheduled Personal Property endorsement is tailored to meet your specific needs, and protects your things that have unique and often high values.

Your home owners insurance covers the contents of your home, but can have certain internal limitations quite often ...

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If you loan your vehicle...

Posted: January 23, 2014 09:20pm

You loan your insurance.

Most believe auto insurance follows the driver, not the vehicle. Not the case in Montana where insurance follows the vehicle.

Before you lend your car to a friend or let a family member not listed on your auto insurance policy drive your car, be sure you understand your ...

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Burglars Are Watching!

Posted: November 25, 2013 02:20pm

An Insurance Agent's Story

On Mother’s Day weekend 2013 my family prepared for their first camping trip of the season. Excited for our first outing, we pulled our camper over in front of our house for several hours as we filled the water tank, loaded all the clean bedding, and filled the cupboards ...

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Should You Shop Your Insurance

Posted: October 20, 2013 02:18pm

It is impossible to turn on the television these days and not hear insurance company after insurance company claim that they can save you money. This gives the impression that the most important aspect of insurance is price. Focusing on price alone can lead to forgetting what insurance is all about – ...

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Coverage that Might Save More than it Costs

Posted: March 29, 2013 08:28am

Different circumstances and limits of coverage may apply depending upon your insurance company and policy, so review your insurance documents or talk to your agent for coverage specifics.

CPE (Custom Parts or Equipment) Coverage

Your automobile insurance policy may limit or exclude coverage for ...

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Do You Have Winter Driving "covered?"

Posted: October 19, 2012 10:19am

Towing and Roadside Assistance

Most insurance companies offer some optional coverage for towing or roadside assistance. Some companies will even add this coverage if you only carry liability coverage on your vehicle. Check your policy or call your agent to see if you have this coverage, or if not, ...

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Cold Weather Driving Safety Tips

Posted: October 15, 2012 07:35am

The best advice for driving in bad winter weather is to not drive at all, if you can avoid it. Otherwise, try waiting until the snow plows and sanding trucks have had a chance to clear off any roads and make sure you allow plenty of time to get to your destination.

  • Check your tires for adequate ...

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Tire Safety Tips

Posted: October 01, 2012 04:24pm

Harry Staley with Staley's Tire & Automotive says check the air pressure in your vehicle's tires regularly during the winter months. Your tires will lose pressure as they warm in the garage, and cool in the outside weather. Tires that lose pressure will rob you of fuel economy, and when the roads ...

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Getting to Know Your Homeowner's Policy

Posted: September 12, 2012 12:24pm

The standard homeowners form used by the insurance industry today covers many water related claims, mainly from water that is "supposed to be in your home." This would include water from burst or frozen pipes, water heater failure, or water supply lines to ice makers in your kitchen, for example. The ...

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Automobile Insurance Gets Personal

Posted: July 29, 2012 03:27pm

Auto insurance companies set their rates based on what they perceive the risk of a loss to be. Historically, they used various information, such as age, driving history and vehicle type to determine risk, but technology has given companies new and innovative ways to better assess risk.

Progressive ...

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Insuring Your Summertime Toys

Posted: July 13, 2012 01:13pm

As Montanans, we consider ourselves fortunate to live in such a beautiful state with so much opportunity for outdoor recreation. We relish in the adventures that can be found each summer along our highways, in our many campgrounds, and on our lakes and rivers.

Our pride in our great state is probably ...

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We're All in this Together

Posted: July 02, 2012 11:18am

Attention Drivers

During the summer months, the number of motorcycles on the roads increases drastically. Car and truck drivers have a responsibility to be aware of these extra vehicles on the road, and yes, share the responsibility of practicing motorcycle safety with motorcyclists. Here are a ...

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Home Coverages You Never Knew you Needed

Posted: April 21, 2012 12:07pm

Equipment Breakdown Coverage

Safeco Insurance Company is now offering this optional coverage to its homeowner's clients for only \$2 a month. This coverage extends to all essential home systems and personal property due to loss by mechanical or electrical breakdown. Subject to a separate $500 deductible, ...

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What has your Insurance Done for You Lately?

Posted: March 06, 2012 11:25am

Maybe, it can do more than your think...

As a consumer, you want your insurance to work for you. You may not have used your insurance to pay a claim in years, or maybe you have never used it, but you diligently pay your premiums every month or term. Insurance becomes a chore for some consumers because ...

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