We’ll get your personal lines risks insured.

We help enhance your client partnerships.

Focused on Hard-to-Place, Unique Personal Lines Risks

We’re ready to take on any insurance challenge at Cochrane & Company. In fact, we’re really good at taking on difficult risks, and we love making our agency partners and their clients happy. From our talented people to our excellent products, proprietary technology for ease of service, and longstanding market relationships, you’ve got what you need with us.


Bring us your unique or hard-to-place risks and our Personal Lines department will work with you to place the coverage your clients need. We have markets for all types of homes, including those under construction or undergoing renovations, vacation homes, and rentals. We can also help you expand your book of business with additional personal lines coverages, including insuring home-based businesses, an increasingly expanding market as today’s economic landscape changes.

Our Technology at Your Fingertips

Many of our products are available for you to quote online 24/7 with electronic payment and electronic signature options to complete your transaction quickly.

Our Top Classes

Dwelling Fire

  • 1-4 Family Residential Properties
  • Course of Construction
    • Owner Builder/
      General Contractor with Liability
  • DP-1, DP-3
  • PC 1-10
  • Renovations
  • Replacement Cost
  • Seasonal Dwellings
  • Vacant Homes
  • Vacation Rentals
  • Stand Alone Other Structures


  •  $1 Million Personal Liability
  •  Builder’s Risk
    • Owner Builder/
      General Contractor with Liability
  •  High-Valued Homes
  •  HO-3, HO-4, HO-5, HO-6
  •  Log Homes
  •  PC 1-10 (no brush/high wildfire areas)
  •  Rentals
  •  Secondary Homes
  •  Trusts, LLCs and Corporations
  •  Vacation Rental


Additional Products

Our Locations: Let’s Work Together

Cochrane & Company is one of the premier General Agents in the West, and licensed in all 50 states with a national footprint. Headquartered in Spokane, Washington with offices strategically located in Kalispell, Montana; Roseville, California; Denver, Colorado; and Springfield, Missouri, we are ready to provide you with the services you need.


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