The Policy Barn

This Good Friday, we are going to be closing at Noon. We hope you have a wonderful and peaceful Easter Weekend!

What is Service Line coverage, and why should you ensure your policy has it if available? 🏡🔧🌱

This coverage can be endorsed on most Home policies and offers coverage for the repair or replacement of the lines leading up from the road to your home! Most of the time if a line is damaged or needs to be replaced, you are on the hook for it as a homeowner.

This cost-effective endorsement typically costs less annually than the coverage that utility companies offer, and it will cover things such as water, sewer, gas, power, and internet lines leading to the home. Most policies range from $10,000-$20,000 in coverage depending on your carrier!

Let us know if you have any questions! We can get into specifics by delving into your policy if you are interested. 😀 (406-534-8008)

#themoreyouknow #homeinsurance

The deadline has been extended to Friday, March 20th.

If you filed for a rebate and were accepted, you may be enrolled already, but it’s best to double-check and be sure! The tax rate difference is pretty significant if you are not enrolled.

Go to https://revenue.mt.gov/…/homesteads-and-long-term-rentals and see if you’re enrolled!

To get your Geocode:

– In Yellowstone County – https://www.yellowstonecountymt.gov/…/Prop…/index.asp…

1.) Type in your Property Number

2.) Type in your Street Name

Less is more! The GeoCode can be found towards the middle of the page.

– Outside of Yellowstone County-

1.) Search by address, click on the option that pops up for your property.

The GeoCode is right at the top under “Property Information.”

If you need help with finding your GeoCode or checking to see if you’re enrolled, we’re happy to assist!

Happy Saint Patrick’s Day!

We can’t promise lucky breaks, but we can protect you when they don’t happen!

Wishing you all a wonderful day.

#saintpatricksday#lucky

Daylight Savings is here! (March 10th, 2026)

Time to spring forward. Don’t forget to set your clocks forward an hour for tomorrow!

#DaylightSavingTime

It’s crazy to think we’ve been in business for almost a decade!

Thank you to all of our friends and customers for allowing us to do what we love.

If you know someone that could also benefit from the JMIG experience, please send them our way! We would love to help them with their personal and small business insurance needs.

#smallbutmighty

⚠️If you are in an underwater crash, your glass breaking tool might not work!⚠️

How do you know if your glass tempered or laminated and what does that mean for you if you need to break it to escape your vehicle?

Tempered Glass – Easier to be shattered into small, blunt pieces. These are the windows that you want to located in your vehicle! These ones will be easier to break in the case of an emergency. Roll down your window and look at the glass from the top. If it has one layer, it’s likely tempered.

Laminated Glass – Designed to stay in one piece when broken, and is significantly harder to break in the case of an emergency. If you roll down your window and look at the top of the glass, you’ll likely see a thin membrane in between two glass pieces.

Your vehicle’s windows may also give it away. If you look at their stickers, they should tell you what they are! Tempered windows tend to have a stamp that say “TEMP” or “TEMPERED.”

#besafe #VehicleSafety

Office closed February 16th in observance of Presidents Day. We look forward to working with you again soon! Please leave a voice mail at 406-534-8008, and we will return your call tomorrow during business hours.

Roses are red, violets are blue.

We love what we do because of people like you!

Happy Valentine’s Day from the JMIG Team

#valentinesday

Read this article from Nationwide that can help you prepare your teens for Winter roads! ❄🚗

“January 5, 2026

For many families, a teen’s first winter behind the wheel is just as, if not more, nerve-racking than the day they got their license. Snow, slush, black ice and early nightfall all raise the risks for young drivers who are still learning how a vehicle operates. 

The dangers are real. Winter weather and slick roads contribute to nearly half a million crashes and more than 2,000 road deaths every year. In 2023 alone, there were an estimated 22,293 injury crashes during snow or sleet conditions.¹ 

The good news is that preparation, practice and clear family rules can help teen drivers build the skills and judgment they need to stay safe. 

Start with a conversation and a plan

Before the first storm hits, encourage parents to sit down with their teens and talk specifically about winter driving: 

• Acknowledge the challenge: Let teens know that even experienced drivers adjust their habits in the winter. This has less to do with their talent behind the wheel and more to do with how tough winter conditions can be. 
• Set clear weather rules: Decide in advance when the teen will not drive. For example, “no driving during an active snowstorm” or “no highway driving if roads are snow-covered.” Parents of teen drivers can utilize Nationwide’s Family Driving Agreement to establish a safe driving rules for their household.  
• Require weather checks: Make it a habit for teens to check the forecast and road conditions before they ask for the keys. If snow or ice is expected, they should factor in extra time or adjust plans. 
• Families can also create a “yes/no/maybe” framework together: 
• • Yes: Roads are clear and treated; visibility is good. 
• • Maybe: Light snow or wet roads: teen can drive short, familiar routes with extra caution. 
• • No: Heavy snow, ice or poor visibility: a parent drives or the trip is postponed. 

Practice winter skills together

Skill-building is crucial for new drivers. Encourage parents to: 

• Log supervised winter practice hours: The first few drives in winter conditions should be with an experienced adult in the passenger seat, ideally in low-traffic areas or empty parking lots. 
• Review basic controls: Teens should be comfortable with defrosters, headlights, hazard lights, wiper settings and how to switch on rear-window defrost if available. 
• Talk through decisions in real time: Parents can narrate their own choices: “The road looks shiny; that might be ice, so I’m slowing down earlier and leaving more space.” 

The goal is to help teens recognize hazards early and build muscle memory for safe responses. 

Prepare the vehicle before temperatures drop

A well-maintained car gives teen drivers a safer starting point. The National Highway Traffic Safety Administration (NHTSA) emphasizes the importance of preparing your vehicle before winter weather arrives.¹ Key steps include: 

1. Check tires: Confirm proper tire pressure and adequate tread depth; consider winter tires in regions with frequent snow and ice. 
2. Test the battery: Cold weather reduces battery power, so have it inspected and replaced if needed. 
3. Top off fluids: Use winter-grade windshield washer fluid and make sure coolant and other fluids meet manufacturer recommendations. 
4. Inspect wipers and lights: Replace worn wiper blades and confirm all headlights, brake lights and turn signals work properly. 

For guidance on car care basics, families can use Nationwide’s Teen Driver Maintenance Checklist.   

Build a teen-friendly winter emergency kit

Keeping a well-stocked emergency kit in the vehicle, which is especially important for new drivers in cold weather. A kit might include: 

• Ice scraper, snow brush and small shovel 
• Jumper cables 
• Traction aids (sand, non-clumping kitty litter or traction mats) 
• Flashlight and extra batteries 
• Phone charger that works in the car 
• Hat, gloves, extra socks and blankets 
• Water and non-perishable snacks 
• First-aid kit  
• Waterproof matches 
• Auto safety tool (breaks glass, cuts seatbelts) 

Safe driving techniques for snow and ice

Once the car is ready, technique becomes the key to staying in control. Core habits for snowy or icy roads include: 

• Slow down: Stopping takes much longer on slick surfaces, so reduce speed and avoid sudden movements. 
• Leave extra space: Maintain at least a five- to six-second following distance. This number increases more at higher speeds. 
• Use gentle inputs: Gradual acceleration and braking help maintain traction and prevent skids. 
• Skip cruise control: Staying fully engaged is essential on slippery roads. 
• Understand your brakes: With ABS, press firmly and steadily. Without it, gently pump the brakes to prevent wheel lockup. 
• Use caution on hills and bridges: Build light momentum before hills, and remember that bridges and overpasses freeze first. 
• Give snowplows room: They move slowly, make wide turns and can create whiteout conditions. Make sure to never crowd or pass them. 

What to do if they get stuck or stranded

Teens should know exactly what to do if conditions worsen or they slide off the road. If stranded in winter weather: 

• Stay with the vehicle. It provides shelter and makes them easier for rescuers to find; walking in a storm is risky. 
• Make the car visible. Use hazard lights, set out reflective triangles, and tie something bright to the antenna or door handle. 
• Check the exhaust pipe. Clear away snow and ice to prevent carbon monoxide from entering the vehicle. 
• Call for help immediately. Contact a parent or guardian, roadside assistance and/or emergency services. 

Reinforce year-round safe driving habits

Winter amplifies the everyday risks of distracted or impaired driving. Remind families to reinforce these non-negotiables with their teens: 

• No texting or using apps behind the wheel 
• No speeding, especially in poor conditions 
• Always wearing a seat belt, and insisting passengers do the same 
• Never driving under the influence of alcohol or drugs 
• Limiting passengers, according to applicable state laws  
• Enroll in telematics and Focused Driving Rewards® to access data on driving behaviors 

These habits, combined with winter-specific skills, can help teens build a strong foundation for safe driving in all seasons. 

Partnering with families for safer winters 

For families with teen drivers, winter can feel daunting, but preparation goes a long way. Encourage parents to review these tips with their teens, practice together in light winter conditions and check in regularly. As their insurance partner, you can also remind clients to review their coverage, confirm liability limits and consider roadside assistance to support new drivers this season. “

#SafeDriving