Disaster insurance

Earthquake insurance

At Beard Insurance Agency — Commercial Risk Manager, we’re committed to helping you find the right coverage to protect your property and your peace of mind. Living in the Northern Rockies, one of the most earthquake-prone areas in the country, means that having a comprehensive earthquake insurance policy is essential.

As an independent agency, we work with a variety of trusted insurance partners, giving us the flexibility to offer competitive rates and tailored coverage options. Our goal is to provide you with choices that meet your needs, without ever compromising on quality protection.

Flexible Earthquake Insurance Plans

Living in Montana, where earthquakes are more common than many realize, means that having the right earthquake insurance coverage is essential. According to the U.S. Geological Survey’s Earthquake Hazards Program, Montana experiences approximately six earthquakes each year with a magnitude of 3.5 or higher.

Many homeowners are surprised to learn that earthquake damage is not covered under a standard homeowners’ insurance policy. To be protected, you need to add earthquake insurance as a separate endorsement to your homeowners or renters policy. Without it, you could be left unprotected from costly repairs or total loss after a seismic event.

As a local agency, we take the time to get to know you and your unique needs. This one-on-one approach allows us to craft personalized policies that fit your lifestyle and your risks. We’re here when you need us—ready to answer your questions and respond promptly to your concerns.

Contact us today to learn more about our earthquake insurance solutions or request a quote to get started on the coverage you need.

Flood insurance

If you're like many homeowners and business owners, you may not realize that flood damage is not typically covered by standard insurance policies. Whether it’s caused by a major storm or an unexpected pipe break, having the right flood insurance can make all the difference when disaster strikes.

At Beard Insurance Agency — Commercial Risk Manager, we offer a range of flood insurance options designed to protect your property and give you peace of mind. Don’t assume you’re already covered; many policies exclude this type of damage.

Safeguard Your Home Against Flooding

Flood insurance is just as essential as homeowners’ or commercial coverage, especially when disaster strikes unexpectedly. Without it, property owners could face tens of thousands of dollars in out-of-pocket repair costs after a flood event.

If you're unsure whether flood insurance is right for you, consider these important facts:

  • Most homeowners’ and renters’ insurance policies do not cover flood damage.

  • Many flood claims come from areas outside of designated high-risk flood zones.

  • The average flood insurance claim is approximately $30,000, and unlike disaster loans, this money does not need to be repaid.

Don’t leave your home or business vulnerable to the financial impact of flooding. Contact us today for a customized flood insurance quote!