Business Details
Your Trusted Local Insurance Partner in Whitefish
Lone Tree Insurance is a client-focused insurance brokerage dedicated to providing personalized home and auto insurance solutions. With offices in Whitefish, Montana and Lone Tree, Colorado, we combine traditional service values with modern technology to ensure clients receive comprehensive coverage at competitive rates. Our team of licensed professionals conducts annual policy reviews and re-shops policies with multiple carriers to guarantee optimal pricing and protection. We prioritize transparent advice, proactive client communication, and tailored insurance strategies that address individual risk management needs.Our commitment to client education is demonstrated through detailed policy explanations, including video resources that clarify coverage specifics. By maintaining independence from direct-writing carriers, we offer unbiased recommendations while leveraging industry expertise to secure favorable terms for homeowners, landlords, and drivers across multiple states.
Services
Homeowners Insurance
Landlord Insurance
Auto Insurance
Life Insurance
Details
- Year established: 2025
Highlights and features
- We conduct annual policy re-shops with multiple carriers to guarantee best rates
- Our team provides personalized insurance education through video explanations
- Independent brokerage model ensures unbiased coverage recommendations
- Proactive client communication about policy optimization opportunities
- Local expertise serving Montana and Colorado insurance markets
What people say
Proactive policy reviews
Best rates guaranteed
Knowledgeable agents
Personalized service
Clear explanations
Services
Homeowners Insurance
Our homeowners insurance protects against property damage and liability claims while addressing policy nuances through personalized education. We help clients avoid coverage gaps by analyzing endorsements and tailoring policies to specific property needs. With annual re-shops, we ensure competitive pricing while maintaining comprehensive protection for primary residences and vacation homes across multiple states.
Landlord Insurance
Landlord insurance solutions cover investment properties with specialized policies that adapt to different rental arrangements. We provide coverage for short-term rentals (Airbnb/Vrbo), long-term leases, and family-occupied properties while ensuring proper risk management through customized policy structures and annual market comparisons.
Auto Insurance
Auto insurance policies focus on protecting assets while preventing financial ruin from accidents. Our experts explain coverage tiers and liability limits to ensure adequate protection. We help clients navigate complex insurance terminology to understand policy details while securing competitive rates through annual carrier comparisons for personal and specialty vehicles.
Life Insurance
Life insurance solutions provide financial security for dependents through affordable coverage options. We help clients understand different policy types and determine appropriate coverage amounts to protect against income loss. Our approach balances cost-effectiveness with comprehensive protection to ensure family financial stability during difficult times.
People
Dave Harriman
Owner/Broker
With over 10 years of experience, Dave Harriman specializes in personalized insurance solutions. He focuses on proactive client communication and policy optimization while maintaining deep knowledge of Montana and Colorado insurance markets. Dave combines technical expertise with approachable service to help clients understand complex insurance concepts.
Michelle Carr
Insurance Agent
Michelle Carr provides client-focused insurance services with emphasis on clear communication and policy education. She works closely with homeowners and drivers to identify coverage needs while ensuring clients understand their policy details through personalized explanations and support.
Cassi Johannsen
Insurance Agent
Cassi Johannsen assists clients with insurance needs by offering personalized service and detailed policy explanations. She works to ensure clients receive appropriate coverage while maintaining prompt communication and approachable support for all insurance-related inquiries.
Questions
Does using Lone Tree Insurance cost extra?
No, we receive commissions from insurance companies without charging clients additional fees. Our service eliminates advertising costs for carriers, allowing competitive pricing.
Will you re-shop my insurance rates annually?
Yes, we conduct annual policy re-shops 35 days before renewal dates to ensure you always receive the most competitive rates from multiple carriers.
What insurance companies do you work with?
We partner with multiple national carriers but cannot work with direct writers. Our competitive rates often match or beat direct writer pricing through our broker relationships.
How does your insurance process work?
Our three-step process includes personalized consultation, policy comparison across carriers, and ongoing service with annual reviews to maintain optimal coverage and pricing.
Do you offer life insurance?
Yes, we provide life insurance solutions that protect dependents from financial hardship. Our agents help determine appropriate coverage amounts and policy types for individual circumstances.
