Our Products
Coverage built for Montana
Homes, farms, ranches, and manufactured homes — insured by people who live with the same weather you do.
Homeowners
Homeowners insurance
Owning a home in Montana comes with challenges of its own — heavy snow and ice, windstorms, and wildfire risk. Our homeowners policies are designed for exactly these conditions, protecting your home, your belongings, and your financial security.
- Dwelling protection — the structure of your home against covered perils.
- Personal property — furniture, electronics, and belongings, damaged or stolen.
- Liability protection — if you’re legally responsible for injury or property damage to others.
- Additional living expenses — temporary housing if a covered loss makes your home uninhabitable.
Optional enhancements: identity theft & identity fraud expense coverage, sewer back-up coverage, limited mold coverage, expanded replacement cost, scheduled personal property, home systems protection, and service line coverage. A local agent can tailor these to your situation — and ask about discounts through our qualified risk assessment program.
Farm & Ranch
Farm & ranch insurance
Farming and ranching are a way of life in Montana — and protecting that livelihood takes insurance that understands working properties, from unpredictable weather to equipment and livestock exposure.
- Farm home coverage — your residence and personal property on the operation.
- Outbuildings & structures — barns, shops, storage buildings, and silos.
- Equipment & machinery — tractors, tools, and the equipment your operation depends on.
- Livestock coverage — protection for covered losses involving animals.
- Liability protection — injuries or property damage that may occur on your property.
No two operations are alike — policies flex to your property size, type of operation, infrastructure, and exposure. Hobby farms welcome.
Mobile & Manufactured Homes
Mobile & manufactured home insurance
We offer flexible, reliable coverage designed around the specific needs of qualified mobile and manufactured homes — simple protection without the runaround.
We also specialize in the properties other carriers shy away from:
- Seasonal homes and cabins
- Rental dwellings and vacation rental dwellings
- Log homes
- In-home businesses — each reviewed individually for eligibility
A local agent can help you explore the options available for your home and property.
Common Questions
Coverage FAQs
Does homeowners insurance cover snow and ice damage?
Yes — most policies include coverage for damage caused by snow, ice, and winter-related events, as long as the damage results from a covered peril.
Can I customize my policy?
Yes. Optional coverages — like identity theft, expanded replacement cost, home systems protection, and service line coverage — let your agent tailor protection to your needs and property.
Is equipment covered under farm insurance?
Most farm and ranch policies include coverage for equipment and machinery, though limits and details vary by policy. Your agent can walk you through the specifics.
Do I need farm insurance if I live on rural property?
If your property includes agricultural use, equipment, or outbuildings, a farm policy may fit better than standard homeowners coverage. A local agent can help you decide.
How do I get a quote?
Flathead Farm Mutual doesn’t quote directly — our policies are sold through independent local agents. Find an agent near you to get a personalized quote.
Ready for a quote?
Connect with a licensed independent agent near you — they’ll review your property and put together coverage that fits.