Motor Vehicle

• Auto Insurance
  If you’ve ever worried that a standard auto insurance policy wouldn’t adequately cover your exotic or expensive vehicle, worry no longer! You can purchase a specialty auto insurance policy to cover the risks that come with owning a unique vehicle and protect your investment with the coverage it needs. After all, why settle for a standard policy if you don’t own a standard vehicle? Typically, specialty auto insurance is purchased for vehicles such as...
• Boat Insurance
  Unlike car insurance, you may not be legally required to have insurance for your boat, jet ski, or other watercraft insurance. However, it is an extremely good idea to protect yourself and your investment. Examples of the types of costs covered by watercraft insurance policies include physical loss or damage, theft, and towing.
• RV Insurance
  What better way to enjoy the great outdoors than with your own recreational vehicle. Spending a day at the lake on your pontoon boat or riding your snowmobile through the back country on a beautiful winter day are exciting outdoor activities you and your friends and family can share.
• Snowmobile Insurance
  Whether the place you’re riding requires it, snowmobile insurance can protect your sled, yourself, and your passengers. Snowmobile insurance can include liability, comprehensive, collision, injury, uninsured motorist, and accessory coverages.
• Mobile Home Insurance
  Mobile home insurance, also known as manufactured home insurance, may cover damage to your home, personal belongings, and liability claims if you are found responsible for a visitors injuries. The only difference between the two types of homes is the date they were built. According to HUD, a factory built home made before June 15, 1976 is a mobile home and one built after June 15, 1976 is a manufactured home.
• Dune Buggy Insurance
  Getting out and experiencing nature in an off-road vehicle can be tons of fun. However, off-road vehicles can also be dangerous, and account for thousands of injuries each year. If you’re the owner of one, it is important to be sure you are properly covered to protect yourself, others and your vehicle from loss or damage. Without insurance, If you are involved in an accident, you would be held financially responsible for damage you cause, as well as costs related to your own injuries and damage to your off-road vehicle. Off road vehicle insurance is a critical tool to make sure you keep them fun.

Property

• Renters Insurance
  There are three types of coverage in a typical renters insurance policy that help safeguard you, your belongings, and your living arrangements in the event of a covered loss. Renters insurance won’t cover the actual building you live in — that is your landlord’s responsibility. Renters insurance can cover personal belongings damaged from a covered peril as well as additional living expenses if you are unable to live at your home while it’s being repaired because of a covered loss.
• Home Insurance
  Scheduled Property Insurance is a supplemental insurance policy that gives extra coverage beyond the standard protection provided in a homeowners insurance policy. It is also called an endorsement, floater or rider. It is an optional coverage that gives you more coverage for high-valued items. When you schedule an item, you will schedule it for its full value.
• Condo Insurance
  You will need to purchase condo insurance if you want coverage for issues that aren’t covered by the HOA master policy, like theft of your personal belongings or accidental injuries to others. Additionally, condo insurance may be required in some instances.
• Landlord Insurance
  Landlord Insurance may not be required by the law but most lenders will require it if you have a mortgage or are financing the property. Homeowners policies typically will not cover the home you are renting out. That means any damage the home, belongings inside of the home, or lawsuits against you will not be covered unless you have this Landlords Insurance.

Health and Life

• Life Insurance
  Life insurance is a crucial step in planning for your future and your family’s future. It can give your family freedom from financial burdens they may incur after your death. Additionally, the death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses.
• Health Insurance
  Workplace injuries happen even in the safest of workspaces. If an employee gets sick or hurt on the job, you are responsible for paying for their treatment, even if they have health insurance. During the time that the worker is unable to work as a result of an injury or illness, they are also entitled to a portion of their regular wages. Workers compensation covers these costs. You would be responsible for paying for these out-of-pocket costs if you do not have insurance.

Business

• Business Insurance
  Flathead Insurance offers the personal and business insurance products you need. Our professional agents will consult with you on the coverage and premiums that meet your specific needs. Feel free to get in touch or get a quote today.
• Workers Compensation Insurance
  Workers compensation insurance protects your business and employees from the cost of work-related injuries, illness, and even death. For business owners, it can help reduce the possibility of an employee lawsuit.
• Commercial Liability Insurance
  With a commercial umbrella policy, we’ll help keep your business goals safe. Commercial umbrella insurance gives you extra protection to help cover a claim that exceeds the limits of certain liability policies.
• Professional Liability Insurance
  Even if you’re an expert in your business, mistakes happen. Professional Liability Insurance is essential if you provide advice, consulting, or expertise to customers. Clients and customers may require proof of professional liability coverage depending on your profession.
• Builders Risk Insurance
  When your reputation, along with successfully completing your projects, is on the line, you want to be sure that you have the comprehensive protection you need. Protect your construction projects through every step, from groundbreaking to completion.

Personal

• Liability Insurance
  No one can predict what is going to happen but everyone can prepare for what may happen.  That’s what a umbrella insurance policy does for you.  It provides an extra layer of protection on your home and car in the event someone experiences an accident on your property or you are the cause of an accident on the road.

Natural Disaster

• Flood Insurance
  Flooding can happen anytime, and anywhere. More than 20 percent of The National Flood Insurance Program’s claims come from outside of high-risk flood areas. Even if you live in an area with low-to-moderate flooding risk, it’s crucial to protect the life you have built with flood insurance.