Serving Montana since 1998

(406) 721-0599
1921 Oxford Street
Missoula, MT 59801


Insurance services from your one-stop insurance agent.

We’ve been serving Montanans since 1998 — our preferred company, Farmers Union Mutual Insurance, is a Montana company writing business only in Montana since 1915 (more than 100 years!) — and we have the experience you can rely on to protect the things most important to you and your family, business, farm and more. You can rest assured that your insurance is in capable hands while working with our team. Agent Pamela Jacobsen is here to help you secure the best available policy through a vast network of insurance carriers national and local alike.

Explore our services below and don’t hesitate to contact us with questions or to get started.




Enjoy peace of mind while you drive with auto insurance that not only meets the legal requirements but protects you and your family in the event of an accident. We care about your coverage and are proud to offer policies from major insurance companies like Farmers Union Insurance, Progressive, Safeco and many more. Saving is easy with these auto insurance benefits:

You could save just by doing what you do best – driving well! We reward your history of being a good driver with new discounts.

On many policies, after three years without an accident customers are rewarded with a waiver of an accident.

The true convenience of one stop shopping means you get a package discount when combining Home, Farm, Condo, Commercial Business Owners, and more! We also offer a discount to renters.

For drivers under 25, complete the Farmers Union Insurance Safe Driver course and sign the Safe Driver certification and then receive up to a 12% discount!

In addition to these discounts, you may be eligible to receive discounts for any number of reasons – please ask your agent which discounts may apply to your unique situation. A few other discount opportunities include:

  • Paid-in-Full Discount
  • Proactive Customer Discount
  • Longevity Discount
  • Farm Fleet Discount
  • Good Credit Discount
  • And more… Ask for details.

We have several coverage options you can choose from when buying insurance. The different coverages are liability, medical payments, uninsured and underinsured motorist coverage, comprehensive, and collision. Each of these policy options are needed depending on your unique situation.

In addition to the above coverages there are other endorsements you may want to add, including but not limited to towing, rental reimbursement, accidental death, disability and stereo coverage. Ask your agent for more information.




Our homeowners, renters, and condo insurance policies provide protection for your most important place – your home! Unlike many national companies, we write our policies right here in Montana and are committed to providing exceptional service right from our office in Missoula. No mater where you live, we have coverage to help you protect the things that matter most to you.

Most people don’t realize how much they have invested in their belongings, or how much they rely on them. Our homeowners policy automatically provides specified amounts of coverage for your household personal property. We automatically insurance your household personal property for its actual cash value. For a small additional premium, you can obtain replacement cost coverage.

Most policies are broken into three primary groups and you’ll need to be familiar with your risk and need to discuss with your agent:

  1. Basic – Most plans include: fire/lightening, windstorm/hail, explosion, riot/civil commotion, smoke, vandalism, theft, collision, and damage by aircraft or vehicles
  2. Broad – Most plans include: All of #1 Basic, plus: falling objects, weight of ice/snow/sleet, accidental tearing apart, accidental discharge, freezing, electrical damage, and volcanic action
  3. Risk of Direct Loss – Most plans include: all of #1 Basic and #2 Broad, plus: other direct losses, expect those specifically excluded in the policy. 

For those homes that may not qualify for a homeowner’s coverage or for dwellings that are rented to others, our dwelling policy can meet the owner’s needs. We can offer coverage from single family units to four family units whether they are owner occupied or rented to others.

Our coverage is flexible; we can write replacement cost values or depreciated (actual cash value) values on your property. We write coverage in town or in rural locations, and offer deductible options to meet the owners’ needs. Seasonal dwellings may qualify.

Your landlord’s insurance likely only covers the property and not your stuff. But renters insurance covers it all from clothes and furniture to electronics and more. And with many policies, you’re reimbursed for the cost of your belongings, not their depreciated cash value. Rest easy knowing your things are safe with a policy designed for peace of mind.

We have condo insurance options from basic to enhanced, designed to protect you and your belongings in the event of a unforeseen qualifying event. Personal liability can provide coverage when you’re legally responsible for certain damages. This can include situations where someone is injured on your property and coverage may include:

  • The cost to defend you in a lawsuit related to injury or property damage, do to a covered occurrence
  • Losses related to credit cards, ATM cards or checks in the event of a theft or unauthorized use, up to your applicable limit
  • Costs, up to your applicable limit, which the condo association assesses on all unit owners due to a loss on common property which exceeds the master policy limit.
  • Enhanced options may include replacement cost coverage on contents including the full cost to repair or replace most personal property with no deduction for depreciation up the the applicable limit in the policy.
  • Enhanced options may also include increased limits of liability for certain special items of personal property including Jewelry, silverware, fine arts, furs, cameras, musical instruments, and personal computers. 

Here are just a few of the many discounts available through our network of insurance providers. Don’t see a discount you’d expect? Please ask our staff for more information and to discuss your unique insurance situation.

Here’s how we can help you save:

  • Security alarm or related devices
  • Smoke detectors
  • Fire alarms
  • Deadbolt locks
  • Fire suppression system (fire sprinklers)
  • Fire extinguishers 

Tailor your policy to how you live with flexible options from Jacobsen Agency Insurance. No matter your living situation, odds are we have a policy with the protection you and your family needs. We have proudly served Montana since 1998. We are honest with reliable service you can count on for your homeowners, renters, condo or other dwelling insurance. Request your free consultation and quote today.





As a business owner you have enough to worry about. Focus on the things that matter and let our experienced team help with a tailored commercial policy to meet your unique business needs. Our vast network of national and local insurance partners is standing by to earn your business. Our complete coverage will help you reduce risk and maximize your time spent focussed on doing what you do best — being passionate about your business.

Please contact us for a consultation and proposal to fit your unique coverage and compliance needs.

Each business is unique and each industry requires a tailored approach to providing the best protection and risk reduction. That’s why our commercial insurance products are sourced from a network of providers who offer almost every type of commercial insurance product for a wide range of industries and business risks. Here are a few of our most common commercial products:

  • Commercial General Liability Insurance – covers damages and provides defense against lawsuits for many common types of business risk.
  • Property Insurance – coverage for buildings, business personal property, and in many cases, loss of business income and extra expenses.
  • Workers Compensation Insurance – your employees are the lifeblood of your business – we help protect them with risk control guidance and workers compensation coverage to help keep your business running smoothly.

Our small business solutions are perfect for almost any budget and offer the protection you need to keep going strong. After all, we love working with small businesses just like ours to build a stronger community in Western Montana. Here are a few of the ways we can help.

  • Business owner’s policy – the best recommendation for many small businesses, a BOP combines both property and liability insurance and covers your business in the event of covered events such as things like property damage, suspended operations due to a covered event, or a lawsuit resulting from bodily injury or property damage to others.
  • Commercial auto insurance – small commercial business auto coverage offers affordable coverage for everything from basic liability to uninsured, underinsured and physical damage coverage – all at a price you can afford.
  • Umbrella insurance – you can plan for the worst and sometimes Murphy’s Law goes just beyond your coverage. That’s where umbrella coverage comes in. With an umbrella liability policy in place, your business can survive even a catastrophic claim. 
  • Workers compensation insurance – add workers compensation coverage to a variety of policy types to round out your protection. Workers comp coverage provides benefits to employees for work related injuries and includes medical care and a portion of lost wages when the employee is unable to work due to a qualifying work-related event.

Business is the lifeblood of our community and your success is our success. That’s why we offer coverage from a network of more than 10 insurance carriers to ensure your policy offers the best possible coverage for your unique business and industry. Our experienced team specializes in providing a tailored insurance solution that perfectly fits both your business and budget. Please contact us for a consultation and proposal including our best policy and risk-reduction recommendations.

  • Auto insurance – covers your owned, leased, non-owned, and hired vehicles as well as the drivers operating them.
  • Employee benefits – including coverage for group life and disability, and leave of absence administration.
  • General liability – covers you and your employees if your business is named in a lawsuit.
  • Excess liability – increases limits over your existing umbrella policy for more protection against catastrophic events.
  • Surety bonds – contract, commercial, and fidelity bonds for regional, national, and multi-national businesses.
  • Workers compensation – covers your employees in the event of a work-related injury and covers lost wages and medical expenses.
  • Umbrella insurance – increased coverage for catastrophic events above your existing policy amounts.

Each industry has a unique set of opportunities and we understand the ins and outs of each, including the often confusing and overwhelming world of legal requirements. Below are a few of the many specialized industries for which we offer insurance. Please contact us for a consultation and tailored insurance proposal designed for your unique industry.

  • Agriculture/Farm
  • Building Maintenance/Management
  • Construction & Contractors
  • Education
  • Energy
  • Financial Services
  • Food & Beverage Manufacturers
  • Healthcare
  • Hospitality
  • Manufacturing
  • Printing & Publishing
  • Real Estate
  • Religious Organizations
  • Restaurants & Food Service
  • Retail
  • Transportation
  • Wholesale

Your business is our business with commercial insurance solutions designed just for your business, large or small. We are honest, reliable and give personal attention to every customer. Please let us know what we can do to help with your commercial and business insurance needs.





We offer a package policy designed to provide all of the important property and liability coverages every business should have. We also offer a number of optional coverages so your insurance program can be customized to your particular needs.

We offer contractors insurance for the following types of contract work: Carpenters, Drywall, Electricians, Floor Covering Installation, Heating/Air Conditioning, Janitorial, Masonry, Painting, Plumbing, Excavation and more!

Please note that premium payment plans and EFT are available. Ask your agent for details.

Here are a few of the ways we can add to your policy to customize your coverage:

  • Tool Coverage
  • Contractors Equipment
  • Builder’s Risk
  • Bonds
  • Worker’s Compensation

Automatic coverage included in many policies at no additional charge include:

  • $5,000 Accounts Receivable
  • $5,000 Valuable Papers
  • $5,000 Installation Floater
  • Underground Coverage

Our liability coverage options include:

  • $300,000/600,000
  • $500,000/$1,000,000
  • $1,000,000/2,000,000
  • Excess Liability Coverage Available to $5,000,000
  • Deductible: $1,000 Property Damage

Work with Jacobsen Agency Insurance and you’ll be working with our vast network of companies who are standing by to offer great coverage at competitive prices. To get started to day, please contact us or stop by our office in midtown Missoula, right behind the main post office.

Thank you for learning more about our policy offerings. We look forward to meeting you and offering a quote to fit your insurance needs.





Farms and ranches are as unique as the individuals that pour the blood, sweat and tears into them. That’s why most traditional insurance policies don’t fit the varied needs of farms and ranches. Let our team craft a policy that protects and preserves your operation for generations to come.

Our approach is simple: provide honest, reliable service with personal attention given to every customer. We’ve been serving Montana since 1998 and would be honored to have the opportunity to work for you.

Below are a few of the ways we can work for your ranch or farm. Please contact us and we can visit about your unique needs before offering a quote.

Our farm & ranch property insurance policies offer peace of mind for your every aspect of your operation, including:

  • Your dwelling – covering your farm or ranch home – with three coverage levels available: Basic, Broad and Risk of Direct Loss.
  • Loss of use – covering losses that make your home uninhabitable.
  • Unscheduled Household Personal Property – covering household personal property for it’s actual cash value with available replacement-cost coverage.
  • Scheduled Household Personal Property – offering risk of direct loss coverage for a select set of property classes including jewelry, firearms, boats, etc.

Our farm and ranch personal property policy is designed to help you should disaster occur. Here are a few of the ways we can help:

  • Blanket – covers most farm personal property (inventory required, co-insurance and certain exclusions apply, $25,000 minimum).
  • Scheduled – covers only specifically listed property for actual cash value up to the limit selected.
  • Machinery – covering all machinery within the state of Montana and up to 50 miles into a bordering state or Canadian province. Includes glass breakage coverage with no deductible.
  • Livestock – providing actual cash coverage for cattle, sheep, swine, goats, gorses, mules, and donkeys, which may be insured by class. More valuable livestock may be individually insured.

Adequate liability protection is very important. Our liability coverage can protect you, up to the policy limits, if you are found to be legally liable for bodily injury or property damage that is covered under the policy.

Coverage for medical expenses that result from injuries to visitors or guests can be covered up to the limit of medical coverage, even if you are not legally liable.

We are based right here in Missoula and our goal is to provide the best coverage at an affordable cost. Here are a few of the ways we can help you save with your farm and ranch policy with you work with us:

  • Wind & Hail Deductible Discount
  • New Home Discount
  • Masonry Discount on Dwelling
  • Protection Class Discount for Dwellings
  • Approved Roof Discount for Dwellings
  • “No Woodstove” Discount
  • Package Discount with Auto Coverage

Work us and you’ll be working with our network of major insurance companies like Farmers Union Insurance who’s been writing policies in Montana since 1915 and they are the trusted name in farm and ranch insurance. That’s why owner and agent Pam Jacobsen has chosen Farmers Union Insurance since starting Jacobsen Agency Insurance in 1998.

Thank you for learning more about our policy offerings. We look forward to meeting you.





It is a wide world out there and the insurance world is no different. Life & Health Insurance, Identity Theft, Special Events, and more are all available from our office. In fact, we don’t mean to brag but it’s been a challenge finding something we couldn’t insure.

Do you have a unique insurance situation? Please contact us to request a quote so you can have peace of mind for… just about everything you may do.

  • Life Insurance
  • Identity Theft
  • Special Event Coverage

  • Off-Road Vehicle Insurance
  • RV & Trailer

With our vast network of companies, we are sure to have the coverage you are looking for. Put our network to the test for your next – if you don’t see a type of insurance you’re looking for, just ask. We look forward to the opportunity to be your local insurance provider.




Jacobsen Agency Insurance is a locally owned insurance agency with honest, reliable service and personal attention. We offer insurance policies for personal, business, contractors, and farm/ranch customers in Montana. Our preferred company, Farmers Union Mutual Insurance, is a property and casualty company located in Montana, writing business ONLY in Montana since 1915 (more than 100 years!) holding a rating of AM BEST A- (Excellent)! Pamela Jacobsen’s agency has been serving under them since 1998!

It is our goal to provide incredible products delivered with exceptional service. We offer insurance for almost everything and we are committed to offering complete coverage so we can be a one-stop for all things insurance.

Our customers have peace of mind knowing their policy is crafted with the personal attention and care only a local agency can provide – and we wouldn’t have it any other way. We’ve found that the more we know, the more we can help our customers save by providing the right coverage level, at a price they can afford using savings they may not even know they qualify for.

Stop in today to learn more about us or to start your free insurance quote process.  Our office is located just behind the main post office off Brooks Street in midtown Missoula – at 1120 Kensington Ave – Ste C. We look forward to meeting you!

Thank you for learning more about our company.