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Learn About Thurston Family Insurance

When you get your insurance with Thurston Family Insurance, you’re getting an insurance experience that exceeds expectations. Since our start in 1982, our purpose has been and continues to be helping people protect what’s most important. We do this by taking a personalized approach to small-town service when bringing you insurance solutions that fit your needs. This involves getting to know you, understanding your needs, and developing coverage for the risks you face.

As an independent insurance agency, we are here to bring you a different kind of insurance experience than you’ll find elsewhere. We’ve done this by developing our own process to measure the level of insurance each person needs to help them determine the plan of insurance that best suits them. It’s been a win-win ever since. We welcome you to join our insurance family today.

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We Are Thurston Family Insurance

  • We are locally owned and committed to bring you insurance with a small-town touch.
  • We are family owned and happy to treat you like part of our own family.
  • We are veteran owned and dedicated to serving our local communities and beyond.
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Insuring Montana and More

Thurston Family Insurance is proud to be based in Montana, where we offer insurance solutions with a small town touch for clients across Montana, Wyoming, Arizona, Colorado, Dakota, and Texas.

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“We had an unusual insurance issue, this office was the only one of several insurance firms in several Montana cities that found any insurance at all for our needs. Use this office, you won’t be sorry.”

Kim H.

The Solution to Your Insurance Needs

Thurston Family Insurance offers a variety of personal insurance, business insurance, and employee benefits solutions to help you protect what matters most.

Providing for Your Family
Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?


Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

Mortgage Payments
Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Auto Payments
Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs
Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?


A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings
Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.


Life insurance can help support a surviving spouse during their retirement.

Protecting Your Small Business
Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.


A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement
Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.


Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

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We Care About Our Clients

Check out our reviews and see why you should switch to Thurston Family Insurance.

“I appreciate how Thurston Family Insurance is a small family business that I can trust. What sets them apart from others is their love of country and for the hard working Americans they serve.”

“Thurston Family Insurance exceeds my expectations time and time again. They are amazing to deal with and the most knowledgeable staff I’ve ever encountered. I frequently refer friends because I know they will be taken care of.”

“I’ve been with Thurston Family Insurance for many years. I frequently make changes to my polices and it’s never a problem. They are quick to make the changes and make insurance easy for me. Things always change, but they are always there when I need them.”

Manage Your Policies

Already a client of Thurston Family Insurance? Visit our Service Center to make requests and manage your insurance.

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The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

An Independent Agency Gives You Options

We proudly represent Liberty Mutual, Safeco, and more!

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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