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)

    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)

 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)

     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)

     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)