Meet Our Team

Wally  Duchscher
Wally Duchscher


Melissa  Kapperud
Melissa Kapperud


Tina Walin
Tina Walin

Licensed Agent

Tande Smith
Tande Smith

Licensed Agent


Homeowners, Farm, and Auto Insurance in Havre and Great Falls, MT

We’re an independent insurance agency that’s delivered comprehensive, tailored solutions to individuals, groups, and businesses in Havre and in communities throughout Northern Montana for more than 35 years.  We offer a wide variety of insurance options, which we provide, in part, because we represent a vast array of A-rated carriers.

We prioritize protecting our clients against risk and building meaningful relationships with clients.  Our agents are thorough, considerate, and industrious, and also our agents ensure that everyone whom we serve is fully secure and taken care of.  We love our jobs and we love helping people.  We look forward to serving you. 

Insurance Offerings that fit you and Community Involvement that shows that we give back

Our insurance offerings are personal and also commercial.  For individuals and groups we have homeowners, auto, life, and health policies and plans, and also we have many other personal insurance options.  We have a business program that fully protects almost any commercial enterprise in Northern Montana, and also we have specially designed programs for businesses in more than 30 different industries.

For farmers and agribusiness owners we have a farm program that enables the farmers and agribusiness owners to smoothly run businesses.

To learn more about our insurance offerings, please visit our products page.

We’re as committed to being a part of the communities that we serve as we are to delivering the best products and providing the finest services.  We support the Montana FFA, Montana 4-H, the United Way of Hill County, antique car clubs, MSU-N, and the Great Northern Rodeo.  Also, we participate in or attend local events whenever we’re able.

Knowledgeable, Client-minded Agents helping you stay secure and providing services that make you feel at ease

We know how important it is for individuals and businesses to stay secure and to have insurance agents that help the individuals and businesses through claims processes.  For this reason, we thoroughly assess clients’ needs through in-depth consultations, risk analyses, and on-site inspections, and once we know and understand the clients' needs, we identify the right coverages.  At the points that the right coverages are identified, we create the best possible solutions.

We have quick turnaround times and we regularly and closely review policies and plans that we write.  As a result, our clients promptly get information that the clients need in order to find the right insurance, and also coverages are always current and clients’ rates are always competitive.  If and when possible, we include clients in review processes, and for this reason, the clients are able to fully understand their purchases and be cognizant of needs for changes to coverages.

Contact us or call us today.  To start on a policy, request a quote.

Additional Insurance Information:

*Duchscher Kapperud Insurance, LLC is an equal opportunity provider and employer.

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Great service with a personal touch. Melissa and her staff are awesome to work with.

- Kevin H.

Excellent personal service with great people! I recommend them to everyone I know.

- Jason S.

Great customer service and relations!!! They are friendly and on top of things!! Thank you Melissa for being our Insurance Gal!

- Kayleen B.

The folks at Duchscher will come through for you, whatever the need may be. I am very pleased with the service they provided.

- Sarah M.

Great customer service and quick response to questions.

- Lyle T.

Featured Products

Farm Insurance
Farm Insurance
Preserve your livelihood with an agribusiness policy that safeguards your farm and everything on it, from buildings and machinery to crops and livestock.
Crop Insurance
Crop Insurance
Ensure the continued operation of your farm or ranch against financial loss from crop damage and lost revenue due to natural disasters.
Home & Auto Insurance
Home & Auto Insurance
Combining your home and auto policies can benefit you with discounts that help you save and additional coverage options to make your life easier.
Life Insurance
Life Insurance
Provide your family with the security they deserve in the event of your passing with a life insurance policy that meets your financial and personal needs.
Health Insurance
Health Insurance
Making good decisions today can secure a healthy tomorrow for you and your family with individual or group plans designed to meet your specifications.
Commercial Insurance
Commercial Insurance
We're committed to keeping your business protected so you can focus on your day-to-day operations.
Aetna logo
AIG Life logo
American General Life Insurance
American Reliable logo
Banner Life
Builders Insurance Group Logo
Erickson-Larsen, Inc. - Bjornson/Sentinel E&L
Foremost Insurance
Genworth logo
The Hartford
Liberty Northwest & North Pacific Insurance
Progressive Insurance
Travelers Insurance
Voya Financial Logo
Zurich Insurance