Bozeman

About Bozeman

Inszone Insurance in Bozeman, MT, formerly Rocky Mountain Insurance Group, LLC. Our Bozeman office at 626 South Ferguson, Ste 3, is rooted in one of Montana’s fastest-growing cities and understands the unique needs of residents and businesses in the heart of Gallatin Valley.

Our insurance agency in Bozeman, MT, handles personal and commercial insurance for clients throughout the city and nearby Montana communities. As an independent agency, we represent many carriers, so when a renewal comes back higher than it should or a carrier decides it no longer wants your risk, we have somewhere else to go.

Wildfire dominates the Montana property market — the state’s insurance commissioner has put Montana second nationally for the share of homes at risk of catastrophic wildfire, with more than half of properties exposed.

From home and renters insurance to auto and farmers insurance in Bozeman, MT, we work with a wide variety of insurance companies to get right coverage for what matters the most to you.

Buy your insurance in Bozeman, MT!

Personal Insurance in Bozeman, MT

Personal lines are the core of what we do in Bozeman: homeowners, auto, renters, landlord and condo policies, personal umbrella liability, and specialty coverage for motorcycles, boats, RVs and collector vehicles.

At our independent agency in Bozemna, we handle wildfire mitigation documentation and the premium credits Montana now authorizes for it, because that is what keeps Montana homeowners in the admitted market. We read your current declarations page before quoting, so the comparison is real rather than cosmetic.

Business Insurance in Bozeman, MT

We insure Bozeman businesses across general liability, commercial property, business owner’s policies, commercial auto, workers’ compensation, cyber liability, professional liability and bonds.

Montana’s Workers’ Compensation Act applies to all employers, and we help verify subcontractor exemption certificates so an uninsured sub’s injury does not land on your policy. Contractors, restaurants, retail, trucking, manufacturing, healthcare and professional services are all lines our insurance agency in Bozeman, MT, writes regularly.

Inszone Insurance agency near me

Visit Inszone Insurance in Bozeman, MT today! Contact our newest agency, and one of our specialists will help you with all the information you need before buying a policy.

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Frequently Asked Questions

What are the minimum auto insurance requirements in Montana?

Montana requires liability limits of at least $25,000 per person, $50,000 per accident, and $20,000 for property damage. Montana is a pure at-fault state with no PIP. Uninsured motorist coverage must be included in every policy unless the named insured rejects it in writing.

Can my insurer non-renew me over wildfire risk?

It has been happening across the state, though the rules have been tightening in homeowners’ favor: Montana authorized premium credits for wildfire mitigation in 2025, and the State Auditor issued an advisory moratorium against cancelling or non-renewing based on perceived wildfire risk alone. Montana has no FAIR Plan, so if the admitted market does decline you the next stop is surplus lines. Documented mitigation — ignition-resistant roof, fire-resistant siding, defensible space — is what preserves your options.

Does my Bozeman business need workers’ compensation insurance?

Yes — the Workers’ Compensation Act applies to all employers and all employees, effectively from the first hire. Household and domestic employment, casual employment, sole proprietors, partners and working LLC members are among the statutory exemptions. If you hire subcontractors, verify an Independent Contractor Exemption Certificate or a policy, or the claim becomes yours.

How do I get a quote from your Bozeman office?

Call our Bozeman office at 406-582-7960, use the quote form on this page, or stop by 626 South Ferguson, Ste 3. It speeds things up if you have your current declarations page handy — for business coverage, your annual revenue, payroll by job class and loss runs for the last three to five years. If you have a non-renewal or cancellation notice, bring it; the date on it changes what options we have.