Protecting Your Property and Livelihood For Over 100 Years

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Services

INSURANCE SERVICES IN MONTANA

HOME AND AUTO

With many options available from Farmers Alliance, Safeco, Progressive, Rain & Hail LLC, Unitrin, Symetra Financial and more, Mid-Morning Insurance will take the time to learn your needs and find the best home and auto insurance policy for you. If budget is a concern, we will help you find discounts, including defensive drivers courses, good student drivers and combining your home and auto policies.

Homeowner's Insurance

One policy we offer is personal property coverage. In the event of a disaster, break in, or house fire, your belongings can be protected and covered. In many cases most insurances won't cover the total cost of personal items.
We also offer liability coverage, which provides coverage to pay for another individual's bodily injuries or damages that happen in or around your home.

Auto Insurance

Collision coverage pays, up to the coverage limits, for damages caused to your vehicle or a vehicle you are operating if it hits another car, object, or overturns. This type of coverage is typically required if you are financing your vehicle.
Home Insurance Agent — Family with House and Car in Harlowton, MT
Auto liability coverage provides coverage to pay for another individual's bodily injuries or damages to their vehicle or property that you are legally responsible for. This type of insurance is required in Montana.
We also offer medical payments coverage. If you and your passengers are injured or killed in an accident, this coverage will pay for your doctor, hospital and funeral expenses regardless of who is at fault. This type of insurance also covers you as a pedestrian if you are hit by a vehicle.

FARM AND RANCH

Protect your farm and ranch with affordable and comprehensive insurance from Mid-Montana Insurance.
Farm and ranch owners have a different lifestyle than other types of businesses, which gives unique insurance needs. An agribusiness policy covers a wide range of areas from property (dwellings and outbuildings), liability, machinery, equipment, irrigation, livestock and hay, just to name a few. Our agents will take the time to find a policy for you that's both affordable and powerful.
Farm Insurance Agent — Father and Daughter in Harlowton, MT

CROP

We offer two types of crop insurance: crop hail insurance and multiple peril crop insurance.

Crop Hail Insurance

This policy covers your crops for a dollar amount per acre against perils of Hail and Fire. It's not offered by the Federal Crop Insurance Program. This omission can have damaging effects for farmers, in the north-western parts of the country, where hail can be devastating to farmers. Unlike other insurances, crop hail insurance can purchased at any time during the growing season.

Multiple Peril Crop Insurance

This insurance policy provides you a guaranteed yield per acre, at a specified price and covers added perils of decline in price, failure of irrigation equipment or supply, drought, insect damage, hail, freeze, wind, plant disease, naturally caused fire, lightning, wildlife, flood and much more.
Auto Insurance Agent — Children Sitting Over Hay in Harlowton, MT
Unlike Crop Hail insurance, MPCI must be purchased prior to damage or the planting season. Updated coverage options give farmers the flexibility to combine yield protection and price protection to protect themselves from potential loss of revenue, that can be the result of low yields or fluctuating and changing market prices.

COMMERCIAL/BUSINESS

Having a business is serious and complex. Our agency strives to guide all business owners through our abundant options to find the policy that best fits their needs. We provided affordable commercial insurance from several reputable companies, including Travelers, Liberty Mutual, Fireman's Fund, Mid-Continent, Farmers Alliance, Rain & Hail – Chubb, MT State Fund and many more.
Some of our commercial insurance options include property insurance, liability insurance and workers' compensation. Contact our agency today and we will discuss the best policy for you.
Business Insurance — Main Business Street in Harlowton, MT

FLOOD

Floods are devastating without insurance to cover the cost of your home and possessions. Flood coverage is not a part of standard home insurance policy, so it's important that you acquire coverage, especially if you live in an area that floods easily.
Our policies come from reputable insurance companies, such as Select and National Flood. National Flood provides flood coverage while Select combines flood, earthquake and landslide coverage for their policies.
Insurance Agent — Flooded Home in Harlowton, MT

SURETY/BONDING

Mid-Montana Insurance offers bonds for contractors, livestock, dealers, notaries and more throughout Montana. Give peace of mind to your clients while protecting your assets. The state of Montana requires bonds for you to obtain licenses and permits, during on your profession. Contact our insurance agents to help guide you through the process of applying for bonds and sureties.

LIFE

Life insurance provides a safety net for your family in the event of an unexpected death. The coverage includes money for final expenses, debts, including mortgage and many other costs you may leave behind. You and your loved ones will be covered with a highly affordable life insurance policy when you contact our insurance agency.
Feel free to look through the chart below of available life insurance policies. Contact our agents today.
Life Insurance Agent — Happy Family in Harlowton, MT
Policy Description Death Benefit Need Premium Cash Value
Term Life “Organic” life insurance has no cash value. High death benefit for low premium. Fixed Short to immediate term need Increasing exponential none
Whole Life Pays a stated, fixed amount on your death Fixed Available to anyone. Fixed Fixed
Variable Life Whole life contracts; choice of investment assets; death benefits depend on investment result, but with guaranteed minimum Guaranteed minimum; can change based on investment Investment performance Fixed Based on investment
Universal Life Permanent insurance policy that couples term insurance with a money market-type investment that pays a market rate of return. To get a higher return, these policies generally don't guarantee a certain rate. Adjustable Flexible premium and benefit Flexible Not guaranteed
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