Personal
Farm/Ranch, homeowners and dwelling insurance has been the backbone
of Farmers Union Insurance's insurance products since our formation
in 1915. We are able to offer coverage and opportunities in
these areas that other insurance companies who sell in Montana
can not or will not. Our agents write insurance coverage in
all Montana locations; rural, small town, and our larger towns.
Personal auto and personal umbrella coverage is also available
through our local agents.
To find out more about our personal lines coverage, please explore
our services listed in the left hand menu or call one of our
local Montana agents. (click here to locate
agent)
Farm & Ranch
With our insurance company and agents located in Montana, we
understand the insurance needs of the farm and ranch. Farmers
Union Insurance has been insuring Montana farms and ranches
since 1915
Whether you own a hobby farm, grain/hay farm or large ranch,
our agents can develop an insurance policy to protect you.
Not only do we provide policies to protect your home and farm
liability, our policies can be tailored to include: outbuildings,
barns, farm equipment and machinery, hay, livestock and farm
vehicles. Contact one of our local agents to develop your desired
coverage.
Do you have the option to cover Equiptment Breakdown?
YES! For an additional
premium, you can protect nearly all the critical equipment and
systems your farm depends on to function efficiently: well/water
pumps, computerized feed systems, circuit breaker panels, alarm
systems, air and refrigeration compressors, cooling systems,
electric panels for sprinkler systems, etc. Also, including
covered property in your home like: TV's, stereos and computers.
The farm and ranch business today has changed from the earlier
days and has grown to become a very complex business. Make sure
you are insuring with a company that has its roots in Montana
and provides coverage based on their long history in the state.
Farmers Union Insurance is the company that has served agriculture
in Montana since 1915. (click here to locate
agent)
Homeowners
Farmers
Union Insurance is one of the leading writers of Homeowners
business in
Montana.
Our agents have the ability to write policies for renters, condos,
townhouses plus other coverages depending on your needs. Unlike
many insurers that are based outside of Montana, Farmers Union
Insurance writes in the rural communities of Montana and the
homes that are outside of preferred fire protection districts.
Our company grew up in Montana and insures those risks others
will not write because of distance to fire departments or age
of property.
Our
agents help you select coverage based on your specific needs.
Some items to discuss with your agent that will influence your
decision include:
How
much will it cost to rebuild my home and replace my belongings
if they are damaged or destroyed?
Your
agent will show you coverage that will help you make informed
decisions. Replacement cost coverage is an important element
of the homeowner's policy, ask your agent about this.
Does
the insurance company have a long history and good reputation
in the state for customer service and paying claims?
Our
long-standing reputation in Montana is second to none in these
vital areas.
Does
the policy address identity theft?
This
is a growing concern and our policy offers a service through
Identity Theft 911 to specifically
address this concern.
Do you have the option to cover Equiptment Breakdown?
YES! For a small additional premium, you can protect your personal
property and important systems with Equipment Breakdown coverage
eliminating gaps on your covered property like: TV's, stereos,
computers, heating and air conditioning units
Remember,
insurance is meant to cover unexpected damage, not routine maintenance.
Visit with your Farmers Union Insurance agent to discuss larger
deductibles to take care of the smaller claims and save premium
dollars. (click here to locate agent)
Dwelling
For those homes that may not qualify for a homeowner's coverage
or for
dwellings that are rented to others, Farmers Union Insurance' dwelling
policy can meet the owner's needs. We can offer coverage from
single family units to four family units whether they are owner
occupied or rented to others.
Our coverage is flexible; we can write replacement cost values
or depreciated (actual cash value) values on your property.
We write coverage in town or in rural locations, and offer deductible
options to meet the insured's needs. Seasonal dwellings may
qualify.
Contact one of our agents for more details on how our dwelling
coverage can assist you in your coverage needs.
(click
here to locate agent)
Personal Auto
Farmers Union Insurance has several options available to clients
that are looking for auto insurance. The choices vary from preferred
rates to substandard rates. There are many factors used to determine
what your final auto rate may be. Your rate is based on the
information you provide the agent.
The auto policy
has several coverages you can choose from when buying insurance.
The different coverages are liability, medical payments, uninsured
and underinsured motorist coverage, comprehensive and collision.
Each of these coverages are needed to trigger certain events
that may happen during an accident or claim. In addition to
the above coverages there are other endorsements, you may want
to add. These include but are not limited to towing, rental
reimbursement, accidental death, disability and stereo coverage
Insuring your auto and property may provide a package discount.
Ask your local Farmers Union agent to review your current coverage
and assist in choosing the appropriate coverage you desire.
Our Farmers Union Insurance agents also represent other companies
including Dairyland, Progressive and Unitrin. (click
here to locate agent)