Preparing for Fall in Montana – Insurance Insights for September

Insurance

As September settles in, Montana begins its shift from the long days of summer to cooler mornings, shorter evenings, and a new set of challenges for homeowners, drivers, farmers, and business owners. It’s the perfect time to pause and review your insurance coverage before the busy fall season and unpredictable Montana weather set in. Why…

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Staying Safe on Montana Roads This August

Summit States/FUMICO Blogs - 20

August is one of the busiest months on Montana roads. Between back-to-school traffic, late-summer road trips, and harvest season, Great Falls drivers see a mix of commuters, tourists, and farm equipment all sharing the highway. That makes it the perfect time to review a few safety tips—and to make sure your auto insurance is ready…

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Safe Travels: Protecting Your Identity During Vacation Season

Safe Travels

July is the perfect time to relax, recharge, and make new memories—but as you plan your getaway, don’t forget to pack some smart identity protection habits. Summer is peak season not just for travel, but also for identity theft. Here’s how to stay one step ahead while enjoying the break you deserve: Pause the Mail,…

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Montana Summers & Your Home Insurance: What You Might Be Missing

Home Insurance

July in Great Falls means warm days, BBQs, and late sunsets—but it also brings summer storms, wildfire risks, and liability exposures that can catch homeowners off guard. Your standard home insurance policy might not be built for the full reality of a Montana summer. 1. Storm Season in Montana: Are You Covered? Montana sees its…

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Essential Insurance Coverage for Farms and Ranches

Farm and Ranch

Running a farm or ranch is both a rewarding and challenging endeavor. With unpredictable risks ranging from extreme weather to equipment breakdowns and liability issues, having the right insurance coverage is crucial to protecting your livelihood. Here’s a breakdown of essential insurance policies every farm or ranch owner should consider: Farm Property Insurance This coverage…

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Hypothermia – Prevention Tips

Preventing hypothermia is important because it can be a life-threatening condition. Hypothermia occurs when your body loses heat faster than it can produce it, causing your core body temperature to drop below the normal range (around 98.6°F or 37°C).  Preventing hypothermia involves taking measures to stay warm, dry, and protected in cold environments. Take proactive…

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Caring for Livestock During Winter Temperatures

Taking care of livestock during winter requires thoughtful planning and attention to their specific needs in cold temperatures. Providing adequate shelter is paramount to shield animals from harsh winds, precipitation, and extreme cold. Creating windbreaks, like planted barriers, protects animals from chilling winds. Barns, sheds, or three-sided structures offer protection, while ample clean and dry…

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Construction Insurance 101

Construction Insurance

What is construction insurance? There are many types of construction insurances (also known as contractors insurance) intended to protect a property developer and other stakeholders throughout the stages of a construction project. Contractors insurance, which is basically insurance for a construction project, is a wide classification of coverage that relates to the erection of buildings,…

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