Kalispell, Montana · Est. 1907
Insurance built for Montana life
Protect your home, farm, or ranch with a Montana mutual that has stood behind its members for more than a century.
Member-Owned Since 1907
Built in Montana. Trusted across the state.
Flathead Farm Mutual was founded in 1907 to serve the rural families of the Flathead Valley — and we have never left. As a mutual company we answer to our members, not shareholders. Our underwriting and claims decisions are made right here in Kalispell by people who understand harsh winters, heavy snow, wildfire seasons, and life on a working property.
We partner with independent local agents across Western Montana to deliver coverage that is straightforward, dependable, and priced for real life.
What We Insure
Coverage designed for Montana
Homeowners Insurance
Protection for your home, belongings, and personal liability — built for snow, ice, wind, and wildfire country.
Farm & Ranch Insurance
Coverage for farm homes, outbuildings, equipment, machinery, livestock, and the liability that comes with a working operation.
Mobile & Manufactured Homes
Reliable, simple protection designed around the specific needs of mobile and manufactured homes.
Online Billing
Pay your premium online — anytime
Make a one-time payment, set up an online billing account, or log in to manage your account through our secure payment portal.
Pay by phone 24/7: 1-855-958-0742 · More payment options
Why Choose Flathead Farm Mutual
A strong foundation you can count on
- Serving Montana since 1907 — more than a century of keeping our promises to members.
- Local underwriting & claims — decisions made in Kalispell by one team you can actually talk to.
- Financial Stability Rating® of A (Exceptional) from Demotech, Inc., backed by a strong reinsurance program.
- Coverage for Montana conditions — snow load, wind, wildfire, and rural property risks are what we know.
Getting Started
Coverage starts with a local agent
We don’t sell policies directly — we work through a trusted network of independent insurance agents across Western Montana who know your town, your land, and your risks.
When Something Happens
Fast, local claims support
When the unexpected impacts your home, farm, or property, you deal with our claims team here in Montana — not a call center. Fair evaluations, clear communication, and timely service.
Call our office to start a claim — see how to file a claim.