In all the decades we've had insurance we've only had to make one claim and that was for a broken…read morevehicle windshield. Otherwise, we've pay on time and in full and haven't needed to make a claim. In January during the extreme cold snap we had a pipe burst in our basement. There was a significant amount of flooding and some damage. Luckily, we caught the flooding shortly after the pipe burst and got a remediation company to come out at 7 AM that morning. The remediation company did an amazing job to get to the house quickly and stop the damage. Later that day we filed the claim with State Farm and told them who we had hired. They said we did the right thing and were happy to hear that we got such quick service to prevent further damage. It took three+ weeks for the remediation company to dry out the house and fix the issues. State Farm lowballed the remediation company's invoices and conveniently found a way to come up with an amount that they'd accept that was below our deductible. The claims adjuster was an arrogant prick who refused to negotiate with the remediation company and we ended up having to pay everything out of pocket. The issue is that the remediation company did everything we could have hoped for...they showed up before business hours on the morning of the flood and cleaned up the mess. The claims adjuster was so petty that he even objected to the remediation company's billing for emergency services prior to business hours, then objected to the fact that the company used drying equipment on a soaked rug, etc. There was no way I was going to not pay the remediation company for its work even though State Farm told us to not pay them. That's unethical in our minds. When we really needed the insurance company they basically stabbed us in the back.

Gus was great at answering the phone and helping me with my issue. He was pleasant and very helpful…read moreas well as knowledgeable. I have been very happy with the treatment I have received from this office.

Heather is AWESOME! She was so patient with me. I like to know all of my options before making a…read moredecision and she gave me multiple quotes with different premiums and coverages. She even thought to provide mid-range options that I didn't know were available. Never once did she seem annoyed or bothered by my numerous questions and calls. She also got me the best deal as well. I was exploring different insurance agencies in town and was told by a gentleman that I wouldn't need to check out too many agencies because they all just plug in your information, match you with an​ insurance company, and will all get the same rates. But that's not the case!!! The quote that Heather got me was $600+ cheaper than what other agencies were able to get through the same insurance. I'm sure not everyone will get the best deal through PayneWest. But I would definitely​ give them a call and explore your options!

I've been a client of PayneWest for 3 years now and could not be more satisfied with the team…read morethere. So helpful and willing to assist me een when I had just a small pop-up trailer claim. Teresa is great and has always been super positive and willing to go the extra mile to make sure I understand my policy benefits. Thanks Teresa!

Terri Gillespie, an agent in this office, is exceptionally helpful and nice. Was able to increase…read moremy coverage and reduce my premium! And she did it really quickly and at a time when we were uncovered and needed it fast. COuldn't recommend her more!

Fantastic bank. I'm glad I chose Big Sky Western rather than a larger bank. Friendly, helpful…read moreemployees. Highly recommended.

Worst customer service I've had with State Farm. Agents are not efficient, office seems scrambled,…read moreno one knows who the person is who calls, addresses are input incorrectly and it's just a frustrating mess trying to get a policy there. Very, very bad service.

Not a good neighbor. After almost 20 years of bringing them my insurance business, I learned of a…read moreloyalty/longevity discount. When I asked about it, I was given a very cold response. It is clear they do not appreciate their good standing longterm clients.

Cassie was so patient and helpful in switching health insurance providers. She managed to save me…read moreabout $150 per month.

Libby Rask at Western Horizons in Bozeman, MT is truly outstanding. I first met her in her capacity…read moreas a Board Officer for our Condo Association, where her promptness and remarkable customer care stood out so much that I decided to switch my personal homeowners insurance to her. Libby is incredibly proactive; she automatically shops around before my annual renewal to ensure I have the best value--something my previous agent never did unless I asked. Because of her thoroughness and genuine care, I've since moved my auto policy to her as well. She ensures I am perfectly covered (neither under nor over-insured) while staying within my budget. With Libby and the team at Western Horizons, you receive top-tier support and the best coverage at the best prices. I highly and enthusiastically recommend them!

This company has been fantastic. Had the perfect policy that fits our special situation for a…read morevacation/event rental. They were knowledgeable, helpful and great to work with.