Personal Lines


Carriers
    American Reliable Insurance Company - A.M. Best Rating of "A+"
    National Casualy Insurance Company - A.M. Best Rating of "A+"
    Scottsdale Insurance Company - A.M. Best Rating of "A+"
    Fireman's Fund - A.M. Best Rating of "A"
    GMAC - AM Best Rating of "A-"


Overview
  • At least an "A" A.M. Best Rating
  • Direct and Agency Bill
  • Admitted and Non-Admitted
  • Broad Coverage
  • Understandable Policy Language
  • Online Quoting
  • Special Benefits
  • Exceptional Service
  • Recreational Toy Coverage
  • Mechanical Breakdown
  • High Value Dwelling Coverage


Do signed applications and cancellation forms have to be sent to Big Sky Underwriters?

Signed applications are not required for American Reliable policies. We require signed applications and cancellation forms for our files on National Casualty and Scottsdale policies, however. You can email them to pl@bigskyunderwriters.com, fax them to 406.721.9311 or mail them to:
Big Sky Underwriters – Personal Lines
PO Box 3567
Missoula, MT 59806

Is knob and tube wiring acceptable?

Not for most markets; however, there is a market available when there is a favorable electrical inspection. Please contact your underwriter for additional information.

Do you offer a stand-alone personal umbrella market?

Yes, underlying minimum limits apply with an A.M. Best rating of B+ or better.

Is there an acreage limit?

With selected carriers.

Are payment plans available?

We offer a full pay, 2-pay, 4-pay, 8-pay, 10-pay and monthly EFT is available with certain carriers.

Are there age and value limitations on manufactured homes?

No, but the home must have updated wiring, heating, plumbing and roof.

Do you accept risks with large or unusual animals?

Animal Liability Exclusion must be endorsed.

Do you write hand hewn log homes?

Yes, we are able to write these types of homes in Montana, Idaho and Wyoming with ACV coverage.

Is prior continuous coverage required?

We do have a market that offers dwelling coverage even if the customer has no prior coverage; however, most of our markets do require prior continuous coverage except for new purchases. If there is a lapse in coverage over 30 days it must be submitted unbound and we may also require a statement of no losses.

If vacant homes are for sale can they be covered?

Yes, we offer coverage for homes that are for sale and are currently vacant.



**Information subject to change and may not be applicable to all carriers.
If you have specific questions or concerns, please contact your underwriter.**

Our goal is to provide the high-quality service and underwriting expertise our agents expect. We are pleased to answer questions regarding our products and services.

Department Email: pl@bigskyunderwriters.com

Department Phone Number: 406.532.2161

PL Montana Territories Map

Mindy Johnson CIC, CISR

Mindy Johnson CIC, CISR
Department Lead
mindy@bigskyunderwriters.com
Ext. 50

Mindy began her career in insurance working for retail agencies in both Jackson, WY and Bozeman, MT. She joined Big Sky Underwriters in June of 2010 bringing with her 10 years of experience in Commercial, Agricultural and Personal lines. In her free time she enjoys spending time with her husband and two little boys doing anything they can in the outdoors.

Dori Pittelkow

Dori Pittelkow
Underwriter (Northwest MT)
dori@bigskyunderwriters.com
Ext. 46

Dori grew up in Minnesota and then lived in Wisconsin before moving to Montana in 1994. She worked for a local insurance company and then at an independent agency prior to Big Sky Underwriters. She is married and her interests include cardmaking, reading, crocheting & hiking.

Korry Zuber

Korry Zuber
Underwriter (Central & Eastern MT & WY)
korry@bigskyunderwriters.com
Ext. 22

Born and raised in Montana, Korry joined BSU in January 2004 as the Personal Lines Underwriter. She started her career as a CSR in 1981 and earned a Property and Casualty Insurance License in 1988. Korry has worn many insurance hats, including working with crop insurance, small commercial, personal lines and accounting. Korry is knowledgeable not only in specialty coverage, but also in technological intricacies of automation. While building her insurance career, Korry also has managed to help raise four beautiful young women and enjoy her personal hobbies.

Jaci Dodson

Jaci Dodson
Underwriter (Southwest MT, OR, ID, WA)
jaci@bigskyunderwriters.com
Ext. 45

Jaci was born and raised in Washington and moved to Missoula in 2001. She brings 6 years of retail insurance experience and over 11 years of customer service experience when she joined Big Sky Underwriters in 2009. When Jaci is not working, she enjoys spending time with her daughter and family in the outdoors, playing sports and traveling.

Elizabeth Carlburg

Elizabeth Carlburg
Assistant Underwriter (MT Agents A-I & OR, WA, WY)
elizabethc@bigskyunderwriters.com
Ext. 47

Elizabeth grew up in Wisconsin and lived there until she went to college. She has a degree in Interior Design from Kansas State University and moved to Houston, TX after graduation to experience life in the big city for a while. In spring of 2010 she relocated to Missoula to be closer to family and joined Big Sky Underwriters a few months after that. She enjoys golfing, going to concerts, spending time with family and hiking with her dog.

Julie Duff

Julie Duff
Assistant Underwriter (MT Agents J-Z & ID)
julie@bigskyunderwriters.com
Ext. 48

Coming soon.


** Please send any applications, change requests, cancellation requests or other inquiries to our general personal lines email, pl@bigskyunderwriters.com.

Dwelling DP-1, DP-2

    Owner Occupied
    Rentals
    Seasonal

Dwelling DP-3

    Owner Occupied
    Rental
    Seasonal

Specialty Homeowners

    Owner Occupied
    Seasonal
    High Value

Mobile Home

    Owner Occupied
    Rentals
    Seasonal
    Vacant

Scheduled Personal Property

Contents in Storage

Modular Homes

Motorcycles

    Standard
    Cruisers
    Touring
    ATV - 4, 6, 8 Wheels
    Scooters & Mopeds

Boats

    Sail Boats
    Motor Boats
    Pontoon Boats
    Jet Skis & Waverunners
    Small Fishing Guides

Umbrella

    Primary
    Excess
    Monoline

Vacant Dwellings

COC/Builders Risk


* All risks are evaluated on an individual basis *

American Reliable Payment Hotline: 1-800-535-1333

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