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Policy Info

Why do I need farm and ranch, homeowners, condominium, seasonal or tenant personal property 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 own property, possessions and liability exposure. If your house is 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 the money readily available in case something like this happens?

The types of insurance policies we offer are:

Farm and Ranch Insurance

Seasonal Insurance

Auto, RV, Motorcycle, Boat, ATV

Condominium Insurance

Tenant Personal Property Insurance

Cascade Farmers Mutual Insurance Company shared a post.

15 hours ago

How to Prevent Your Water Pipes and Meter From Freezing

Outdoor Faucets
Disconnect garden hoses from all outdoor faucets. This allows water to drain from frost free faucets.

If your home is older, the outdoor faucets may not be frost free:

Find shut-off valve in the basement or crawl space where the pipe feeding the faucet goes to the outside.
Shut it off.
Open the outside faucet to make sure the faucet drains and the valve is completely shut off.
Now the outside faucet can be left open.

Framed Buildings

Check along the foundation for places cold winter winds can blow into the basement or crawl space. Plug them up with insulation.
Check where the base plate of the building sets on the foundation. Even the slightest crack will allow cold air to enter.
If your water pipes and/or water meter is on an outside wall, be sure they are not boxed in preventing heat from reaching them.
If your pipes and/or water meter are boxed in, be sure to have doors that can be opened or panels that are louvered so the warmth from the basement can reach the fixtures.

Mobile Homes

Make sure the skirting is in place and blocks the wind from blowing under the trailer.
Water pipes under the trailer can be wrapped with heat tape.
The meter can be wrapped too, as long as the heat tape is not touching the plastic face of the meter. ... See MoreSee Less

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Cascade Farmers Mutual Insurance Company

2 days ago

Thank you to all the veterans, military personnel and their families who have sacrificed so much to ensure our freedom. ... See MoreSee Less

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Cascade Farmers Mutual Insurance Company

2 weeks ago

Happy Halloween!!!!🎃👻 ... See MoreSee Less

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Cascade Farmers Mutual Insurance Company shared a post.

3 months ago

These are some great tips. Please read them and make sure you do not fall victim to storm chasers. Do your homework when choosing a contractor. Check out their reputation, look for experiences and longevity. Never sign a contract or agreement on impulse without talking to your insurance company.Important steps you should take if your property was damaged by the storms this weekend:

1. Immediately take photos and thoroughly document all damage before beginning any cleanup or repairs.

2. Then, take steps to prevent further destruction of the property. Cover broken windows and holes in roofs, put tarps over places that could get more water or wind damage, etc.

3. Contact your insurance company and get the claims process started. Make sure you understand your deductible, what is and isn’t covered, and your responsibilities.

4. Don’t sign an agreement with a contractor until you’ve talked to your insurance agent or company representative.

5. Beware of high-pressure sales tactics and unsolicited offers from contractors. Don’t feel rushed to sign a repair contract. Get multiple bids and check references. Choose a contractor who will work with your insurance adjuster to assess damage and costs of repair.

6. Verify that the contractor you’re considering is registered to do business in Montana, has workers compensation insurance, liability insurance, and is bonded.

7. Get a written contract and never pay in full for work before it’s completed.

8. Maintain ownership of the process: don’t hand over Power of Attorney or responsibility for settling the insurance claim, don’t sign a contract that has blanks or isn’t thorough.

9. When dealing with damage to vehicles or trailers, work with reputable auto body shops and get multiple bids.

10. Contact my office with questions or concerns about insurance at 444-2040 or csimt.gov

11. Contact the Montana Office of Consumer Protection with concerns about contractors at 444-4500 or dojmt.gov/consumer

12. If you dodged impacts from the recent storms, take time to review your insurance policy, pay attention to your deductibles and other details, and make sure you have the coverage you want in case of future weather damage.

More info: csimt.gov/news/important-steps-to-take-after-hail-and-storm-damage/ ... See MoreSee Less

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Cascade Farmers Mutual Insurance Company

4 months ago

Delivering appreciation gifts to the Veterans at the Grace Home Veterans Center! Thank you to all of the Veterans out there!!!! ... See MoreSee Less

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