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 ID Resolution, LLC. to specifically address this concern.
Do you have the option to cover Equipment Breakdown?
YES! For an additional premium, you can protect nearly all the critical equipment and systems your home depends on to function efficiently: 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 home today has changed from the earlier days and has grown to become a very complex. 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 in Montana since 1915.
