Frequently Asked Questions:

We know that insurance can be confusing, and the unique landscape and climate of each state can present specific challenges that generic online advice often misses.

We are a full-service agency offering solutions for your home, vehicle, farm, business, and long-term financial future. Below are answers to some of the most common questions we receive from our neighbors.

Q: Why should I use a local agent instead of buying directly online?

A: An online algorithm or a call center across the country may not understand that a "quick trip to town" might be 50 miles on icy roads, or the specific risks facing a ranch operation. As your local agent, we understand these risks because we live here, too. We can tailor coverage to your actual needs, and we are here to advocate for you when you need to file a claim.

Q: What is "bundling" and why should I do it?

A: Bundling means purchasing multiple types of policies (like your auto and home insurance) from the same insurance carrier. We highly recommend it for two reasons:

Discounts: It is usually the easiest way to get a significant discount on your premiums.

Simplicity: You have one point of contact, one renewal date area, and less paperwork to manage.

Q: How often should I review my insurance coverage?

A: We recommend a review at least once a year, or whenever you have a major life event. Things that require an immediate insurance check-up include getting married, having a baby, buying a new car or home, starting a business, or building an addition to your property.

Q: I hit a deer (or antelope/elk). Is that covered?

A: Yes, if you have Comprehensive coverage. Hitting an animal is not considered a "Collision" in insurance terms; it falls under comprehensive (other-than-collision) damage. Given Wyoming's wildlife population, this coverage is highly recommended. If you only carry "Liability" coverage, repairs for hitting an animal will come out of your own pocket.

Q: How do I protect myself from uninsured drivers?

A: You are correct; many states have a relatively high percentage of uninsured drivers. The best protection is Uninsured/Underinsured Motorist Bodily Injury coverage (UM/UIM). If an uninsured driver hits you and causes injuries, your own policy will step in to cover your medical bills.

Q: Does my auto policy cover me when driving off-road or on ranch land?

A: Standard auto policies are designed for public roads. If you frequently use a truck for farm work, off-road ranch management, or recreational off-roading, we need to discuss specific coverages or a commercial auto policy to ensure you aren't denied a claim.

Q: Is wind and hail damage covered?

A: Generally, yes. Standard homeowners policies cover wind and hail. However, because these claims are so frequent here, many carriers have introduced separate, often higher, deductibles specifically for wind and hail losses. We will review your policy to make sure you understand exactly what your out-of-pocket cost would be after a storm.

Q: Does my homeowners policy cover flooding?

A: No. A standard homeowners policy almost never covers flood damage (usually defined as rising water coming from outside the home). With Wyoming’s rapid snowmelts and flash thunderstorms, flooding is a real risk. Flood insurance must be purchased as a separate policy, usually through the National Flood Insurance Program (NFIP).

Q: What about ice dams and frozen pipes?

A: Most policies cover sudden and accidental bursting of pipes if you have taken reasonable steps to maintain heat in the home. Damage from "ice dams" on the roof (where melting snow refreezes and forces water under shingles) is also usually covered, but it’s best to take preventive measures like proper insulation and roof raking.

Q: I have a small hobby farm. Isn’t that covered by my homeowners insurance?

A: Usually, no. Once you start generating income from farming activities, or if you own livestock or farm-specific machinery, a standard homeowners policy is insufficient. It will not cover farm liability, outbuildings used for agriculture, or tractors. You need a policy specifically designed for a hobby farm or a full Farm & Ranch package.

Q: How is my farm equipment covered?

A: We can cover equipment in two main ways: a "blanket" policy that covers all your property for a total set limit, or a "scheduled" policy where we list specific high-value items (like a new combine or baler) individually. We’ll help you decide which is more cost-effective for your operation.

Q: Are my livestock covered if they die?

A: It depends on how they die. Basic farm policies usually cover death by "acts of God" like lightning strikes, fire, or blizzard conditions. They typically do not cover death by disease or old age unless you purchase specialized animal mortality insurance.

Q: I run a small business out of my home. Am I covered?

A: Your homeowners policy provides very little, if any, coverage for business equipment or liability related to business visitors at your home. You likely need a "home-based business endorsement" or a separate, small Business Owners Policy (BOP).

Q: I have life insurance through my job. Isn’t that enough?

A: Employer-provided life insurance is a great benefit, but it’s rarely enough. It is usually capped at 1-2 times your salary, and most importantly, it doesn't go with you if you leave that job. Having an individually owned policy ensures your family is protected regardless of your employment status.

Q: What is the difference between Term Life and Whole Life?

Term Life is like renting coverage. It is affordable and lasts for a specific period (e.g., 20 years). If you outlive the term, the coverage ends.

Whole (or Permanent) Life is like owning coverage. It costs more, but it lasts your entire life as long as premiums are paid, and it builds cash value that you can utilize later in life.

Q: How do annuities fit into retirement planning?

A: Annuities are insurance products designed to provide a steady income stream during retirement. In an era where few people have pensions, annuities can act as a "personal pension," providing guaranteed income that you cannot outlive, complementing your Social Security and 401(k) savings.

This FAQ is for informational purposes only. Specific coverage details, exclusions, and limits are defined solely by your actual insurance policy contract. Please contact our agency directly to discuss your specific situation.