Why do I need farm and ranch, homeowners, condominium, or renter insurance?
Cascade Farmers Mutual Insurance knows what matters most to you. That's why we specialize in providing farm and ranch, home, condominium, and renter insurance policies based on your specific needs. Insurance can help you with your peace of mind, knowing that in the event of a covered loss, your damaged home will be rebuilt and your destroyed belongings will be replaced.
What if I don't have insurance?
Without insurance, you'll be responsible for protecting your property, possessions and liability exposure. For instance, if your house burns destroyed by a fire, you'll need to rebuild your home and replace all your damaged possessions with only the funds you have or can obtain. Do you usually have $500,000 readily available in case something like this happens? If so, could you be putting that money to better use instead of having it sit there just in case something happens?
The types of insurance policies we offer are:
Farm and Ranch Insurance Polices
Cascade Farmers Mutual Insurance Company offers a Farmowner Insurance Package for your Montana farming and ranching needs .
- Farm Dwellings and structures
- Household personal property
- Endorsements for expanded Replacement cost, sewer backup, jewelry, artwork,
- Guns, Other scheduled personal property, personal Injury Identity Theft etc.
- Trees, shrubs, plants and lawns
- Additional living expense
- Barns and other farm structures
- Farm personal property including tack and tools
- Farm machinery including physical damage and liability
- Livestock, poultry
- Animal Collison
- Personal/Farm Liability
- Medical Payments And More
Home Insurance Policies
For most of us, our home is the single largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage. Cascade Farmers Mutual Insurance Company is also able to offer a complete replacement cost Homeowners Insurance Package for homes across Montana. We can offer a similar package for those who live in qualified mobile-homes. Flood Insurance is available for those who may need it.
- Dwelling
- Other structures
- Personal property
- Additional living expense
- Personal Liability
- Medical Payments
- Endorsements for expanded
- Replacement cost, sewer backup, jewelry, artwork,
- Guns, Other scheduled personal property, personal Injury Identity Theft etc.
Condominium owners are covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to your condo insurance policy limits. Coverage for the personal property of those who need renters insurance or for condominium owners.
- Dwelling coverage for which you are responsible for (condo)
- Replacement cost for personal property
- Endorsements for expanded
- Replacement cost, sewer backup, jewelry, artwork,
- Guns, Other scheduled personal property, personal Injury etc.
- Additional Living Expense
- Personal Liability
- Medical Payments
Seasonal Cabin Insurance Policies
These are basic actual cash value policies in which you can name the peril you wish to have covered. Different policies are available according to the status of the property.
- Dwelling
- Other structures
- Personal property
- Premises Liability
- Medical Payments
Rental Property Insurance Policies
Renters insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot, but those items all add up when you have to replace them.
- Dwelling
- Other structures
- Personal Property
- Loss of Rents
- Premises Liability
- Medical Payments
Liability Insurance Policy
In the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium or renter policy provides liability coverage and personal property insurance should this ever occur. Depending on the type of property insurance coverage selected we are able offer a variety of liability for your needs.
- Personal Liability
- Personal/Farm Liability
- Premises Liability
Auto Insurance Policy Sold by Cascade Farmers Mutual Insurance Agency
We are now able to offer automobile insurance to make a complete package for all of your Property Insurance and Liability Insurance needs. Discounts may apply for multiple policies.
- Liability
- Medical Payments
- Uninsured/Underinsured motorist
- Collision
- Specified Cause of Loss
- Comprehensive
- Towing and Labor
**Only up to the limits of the insurance coverages purchased.
We have Agents throughout the state of Montana. Whether you live in or around Billings, Great Falls, Butte, Bozeman, Missoula, Helena, or Kalispell we have agents in those cities and lots of smaller towns in-between. Click here to check out our agent map for an agent near you!
We service all 56 Counties in Montana Beaverhead Broadwater Flathead Gallatin Granite Lake Lincoln Madison Mineral Missoula Park Powell Ravalli Sanders Blaine Choteau Carbon Cascade Deer Lodge Glacier Golden Valley Hill Jefferson Judith Basin Lewis & Clark Liberty Meagher Pondera Silver Bow Stillwater Sweet Grass Teton Toole Wheatland Big Horn Carter Custer Daniels Dawson Fallon Fergus Garfield McCone Musselshell Petroleum Phillips Powder River Prairie Richland Roosevelt Rosebud Sheridan Treasure Valley Wibaux Yellowstone