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Montana: (406) 219-7650
Colorado: (303) 532-3000
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How Does Lone Tree Insurance Work?

How Our Process Works

It’s like normal insurance, only better. Just a few simple steps, no celebrity endorsements required.
Features our clients love

A Better Insurance Experience

We created the kind of insurance experience we would sell to our mothers (and we do)!

Free Annual Review

Each year you’ll receive an annual policy review, which includes a complete re-shop of all of your policies with multiple insurance companies so you’re always getting the best rate.

Transparent Advice

We treat every client like a partner. As an independent agency, we're able to provide clients with transparent advice that always benefits THEM, not the insurance carrier.

Real People, Always Accessible

With Lone Tree Insurance, you’re never just a number in the system. When you call us, you get us — not a call center.

Talk to us in real life !

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Our process makes home and auto insurance crazy simple. You’ll get insurance you understand, that protects your assets, at the best rate available.
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Our Mission

Good Ole-Fashioned Service Meets New-Fangled Technology.

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Our Team ⸺

Dave Harriman

Owner/Broker

Michelle Carr

Insurance Agent

Cassi Johannsen

Insurance Agent
Testimonials

What Our Clients Are Saying

We have used Lone Tree Insurance for almost 10 years now. It is so nice to have Dave and his team help explain the ins and outs and help us find the specific things we need in our home and auto coverage. Matching us with the right coverage for the best price.
Daniel Carlson
Lone Tree Insurance was quick to provide competitive quotes for our homeowner’s policy and made it super easy to understand the policy with a short video clip explaining coverage. Definitely recommend them!
Carolina Cotman
It was SUCH a pleasure working with Dave! As a first time home buyer, I had a lot of questions, and he probably spent 30 minutes on the phone with me so I would feel comfortable choosing the best plan. Incredible! He is so personable, kind, professional, and clearly wants the best for his clients. That being said, he got us an AMAZING rate!!
Maryly Suiter
These guys are absolutely fantastic in every way! From the first moment we spoke with David until now (many years later) we have always felt very prioritized and cared for! On top of that, Dave is a total whiz at breaking down your premium bill so that you actually understand what you are paying for…. He will find you the BEST deal and best value you can possibly have for your insurance!!
Chelsea Moon
David is fantastic! Always proactive with advice, always knowledgeable, always up to date with the latest rules and regulations, always funny! What more can be said?!
John Heldman
Dave is knowledgeable, professional and hilarious. We have better coverage than we had before and he saved us a bunch of money.
Lauren Beckman
faqs

You've Got Questions, We've Got Answers

No, you do not pay anything extra to work with Lone Tree Insurance. Insurance companies can afford to pay us a commission without charging you anything extra because they didn’t have to spend money on advertising to get you to call them directly. Seriously! It costs insurance companies an insane amount of advertising dollars to get you to call them directly. We take that cost out of the equation for them.

Yes, we send all of our clients an email 35 days prior to their policy(ies) renewal date to schedule a renewal review call with one of our friendly, amazing, and knowledgeable licensed agents. As part of that renewal review call, we will discuss the results of our annual re-shop to see if it makes sense to move your policies to a different insurance carrier. It’s fast, free and easy!
No, we don’t work with every insurance company. Many insurance companies are called “direct writers,” which means they will only allow their employees to sell their products, and they do not work with insurance brokers. From a practical standpoint, this doesn’t usually matter. Our rates are generally more competitive than the rates of direct writers.

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