Business Details
Your Trusted Home Insurance Partner in Whitefish
Lone Tree Insurance was founded on the principle of providing clients with transparent, personalized insurance solutions that prioritize their needs over carrier interests. With a commitment to combining traditional service values with modern technology, we ensure every client receives tailored coverage recommendations and ongoing support. Our team of licensed professionals brings decades of combined experience in home, auto, landlord, and life insurance, specializing in demystifying complex policies and identifying cost-saving opportunities.Through annual policy reviews and proactive market comparisons, we guarantee our clients maintain optimal coverage at competitive rates year after year. Our approach emphasizes direct communication with real agents rather than call centers, fostering long-term partnerships built on trust and financial responsibility.
Services
Homeowners Insurance
Landlord Insurance
Auto Insurance
Life Insurance
Highlights and features
- We provide annual policy re-shops to guarantee competitive rates
- Our independent agency model compares multiple carriers for unbiased recommendations
- Specialized expertise in short-term rental and ADU insurance coverage
- Proactive client communication with personalized video policy explanations
- Real agents available locally in Whitefish and Lone Tree offices
What people say
Proactive policy reviews
Competitive quotes
Easy policy understanding
Prompt communication
Personalized service
Services
Homeowners Insurance
Our homeowners insurance provides comprehensive protection against property damage, liability claims, and additional living expenses. We specialize in identifying coverage gaps in standard policies and recommending endorsements for unique risks like water backup or earthquake damage. Clients receive personalized policy reviews with visual explanations of their coverage details.
Landlord Insurance
Landlord insurance policies protect investment properties with specialized coverage for different rental scenarios including short-term vacation rentals and long-term leases. We help clients navigate insurance requirements for various occupancy types while maintaining cost-effective premiums through carrier comparisons.
Auto Insurance
Auto insurance solutions focus on protecting clients from financial ruin through appropriate liability limits and uninsured motorist coverage. Our experts explain complex coverage options like collision versus comprehensive and help clients understand how policy choices affect their financial security in accident scenarios.
Life Insurance
Life insurance policies provide financial security for dependents through death benefit protection. We offer term and permanent life options with simplified underwriting processes, helping clients balance premium costs against their family's long-term financial needs and estate planning goals.
People
Dave Harriman
Owner/Broker
With over 15 years in insurance, Dave specializes in demystifying complex policies and finding cost-effective solutions. He pioneered the agency's annual policy review system and focuses on long-term client education about coverage nuances.
Michelle Carr
Insurance Agent
Michelle brings eight years of experience in residential insurance, particularly assisting first-time homeowners. She emphasizes clear communication and has developed the agency's video policy explanation system to improve client understanding.
Questions
Does using Lone Tree Insurance cost extra?
No, we receive commissions from carriers without charging clients additional fees. Our model eliminates advertising costs for insurers, passing savings directly to clients.
Will you re-shop my insurance rates annually?
Yes, we conduct annual policy reviews 35 days before renewal dates, comparing multiple carriers to ensure competitive pricing and appropriate coverage updates.
Do you work with all insurance companies?
We partner with major independent carriers but cannot access direct-writer companies like Geico or Progressive. Our negotiated rates typically remain more competitive than direct-writer pricing.
How do you explain complex insurance policies?
We use personalized video explanations and plain-language summaries to clarify policy details, focusing on real-world scenarios and potential coverage gaps in standard policies.
