Homeowners Insurance

For most of us, our home is the largest asset we have, so it makes good sense to make sure it is properly protected. 

In most cases, we will be able to insure your home for 100% of the replacement value, which means that in the event of a catastrophe, your home will be repaired, even if the damage exceeds your policy limit.

A standard homeowner policy protects you against:

  • Liability
  • Fire
  • Lightning
  • Windstorms/Hail
  • Smoke Damage
  • Falling Objects
  • Freezing
  • Weight of Ice and Snow
  • Vandalism
  • Theft of personal property

Damages that are EXCLUDED from your standard homeowner policy:

  • Earthquake
  • Flood
  • Water Backup/Sump Overflow
  • Vermin/Rodent/Insect

    Coverage may be purchased for the above exclusions. There is also a new valuable endorsement you can buy – Home Systems Protection and Service Line coverage. Please call us for more details.


    We have been customers of Flathead since we purchased our cabin. We shopped hard for rates and they were be best by far. The service they have provided to us since has been excellent. Can’t think of a reason to look elsewhere.

    – D. Ady

    We are proud to service the clients of our new acquisitions

    Schedler Mack Insurance
    Tinseth & Associates Inc

    Kalispell, Montana

    2330 US Highway 2 East
    Kalispell, Montana 59901

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

    MonFri 9:00 am - 5:00 pm
    Sat – 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

    MonThur 9:00 am - 5:00 pm
    Fri – Sunday closed