About Us

What types of insurance do you offer?

We provide coverage for auto, home, renters, business, farm, life, and specialty needs. Our team compares multiple carriers so you get the best fit for your budget and protection.

Why should I use an independent insurance agent instead of buying online?

Independent agents represent multiple insurance companies, not just one. That means we shop for you, explain the differences, and give you personal service that big call centers and websites can’t.

How do I know how much coverage I need?

Every situation is different. We’ll walk you through your assets, risks, and goals to build a personalized plan—so you’re not over- or under-insured.

Can you save me money on my insurance?

Often, yes! Because we work with many carriers, we can compare rates and discounts. But it’s not just about the lowest price—it’s about getting the right coverage so a claim doesn’t cost you more later.

Do you offer bundling discounts?

Yes. Most carriers provide savings when you bundle home and auto, or combine other policies like renters, life, or umbrella insurance. We’ll explore the options for you.

What should I do if I have a claim?

Call us first! We’ll help guide you through the claims process, answer your questions, and work with the insurance company to make sure everything goes smoothly.

How often should I review my insurance policies?

At least once a year—or anytime you have a big life change such as buying a home, getting married, having a child, or starting a business. We offer free annual reviews to keep your coverage up to date.

Can you help with insurance for my business?

Yes! We write policies for small businesses, contractors, restaurants, trucking companies, farms, and more. Our goal is to protect your livelihood and keep you compliant.

What factors affect my auto insurance rates?

Things like your driving history, vehicle type, location, credit (in some states), and coverage limits all play a role. We’ll explain your options and help you find ways to save.

How do I get started with a quote?

It’s simple—call us, stop by our office, or fill out our quick online form. We’ll gather some information, compare rates from our carriers, and get back to you with customized options.

Kalispell, Montana

2330 U.S. Hwy 2 E
Kalispell, Montana 59901

Phone: (406) 752-8000
Email: info@flatheadinsurance.com
Get directions

Mon – Thur 8:30 am - 5:00 pm (MST)
Friday - 8:30 am – 1:30 pm (MST)
Saturday – Sunday: Closed

Coeur d’Alene, Idaho

350 East Kathleen Ave, Suite 300
Coeur d'Alene, Idaho 83815

Phone: (208) 667-7485
Email: info@flatheadinsurance.com
Get directions

Mon – Thur 8:30 am - 5:00 pm (MST)
Friday - 8:30 am – 1:30 pm (MST)
Saturday – Sunday: Closed

Columbia Falls, Montana

610 9th Street West Suite B
Columbia Falls, MT 59912

Phone: (406) 756-8000
Email: info@flatheadinsurance.com
Get directions

Monday – Friday: By Appointment Only
Saturday – Sunday: Closed

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Located in Kalispell, Montana and Coeur d’Alene, Idaho. We also serve these areas: Columbia Falls, Whitefish, Bigfork, and Polson in Montana; Hayden, Post Falls, Rathdrum, and Sandpoint in Idaho; and Liberty Lake and Spokane in Washington.