Karey Louthan-Insurance Agent for Northwest Insurance

10/13/2026

When I say, “I understand what your horse means to you,” you can be sure I truly understand. ❤️🐴

This is my boy, Stylish N Tuff, at the NRCHA Snaffle Bit Futurity. Together, we earned Reserve in the Intermediate Non Pro Hackamore and 3rd in the Non Pro Hackamore.

These horses are so much more than a number, a paycheck, or a show record. They’re the early mornings, the hard work, the sacrifices, the trust, and the bond that’s built one ride at a time. They become part of our hearts and our families.

That’s why I’m so passionate about helping protect what matters most to you. As a fellow horsewoman, I understand the investment, the dedication, and the love that goes into these incredible animals—because I live it, too. ❤️

When it comes to insuring your horses, you deserve someone who understands your world, not just your policy. 🐎💕

10/13/2026

🅒🅞🅝🅖🅡🅐🅣🅤🅛🅐🅣🅘🅞🅝🅢

09/22/2026

September is a good time to look at your coverage before the year winds down.

Cattle prices have moved.
You may have bought or sold animals.
Equipment changed.
A lot can shift in a year and your policy should reflect where you actually are right now...not where you were last January.

Call me and let's spend 15 minutes on it before fall gets busy.

Specializing in Equine Mortality, Farms/Ranches, Home/Auto, Commercial, Workers Comp, Flood

09/15/2026

Hunting season is opening. If you lease your land for hunting or allow people on your property to hunt, your standard farm or ranch policy may not cover what happens out there.

Landowner liability around hunting access is a real exposure, and a lot of producers find out about it the wrong way.

Call me before hunting begins to check on your policy.

09/08/2026

The average sport horse in the US is valued between $10,000 and $50,000. Many are worth considerably more.

Most of those horses have no mortality coverage.

If your horse is worth more than what you could afford to lose tomorrow, that's the conversation we need to have. It's simpler and more affordable than most people expect.

DM me or give me a call.

09/01/2026

Fall run is coming. If you're selling calves at the sale barn or retaining heifers, the value in your operation is shifting right now.

Many producers don't update their livestock coverage to reflect what they're actually holding after weaning. If you're retaining more than usual or holding cattle longer, your policy should know that.

Give me a call before you wean.

08/06/2026

Small business owner unsure what insurance coverage you need?

Let’s simplify it. I’ll help you find the right protection for your business—without paying for coverage you don’t need.

Message me today for a free review.
📞303-243-0080
📧[email protected]

08/03/2026

𝚃𝚑𝚎 𝚖𝚘𝚜𝚝 𝚌𝚘𝚖𝚖𝚘𝚗 𝚚𝚞𝚎𝚜𝚝𝚒𝚘𝚗 𝙸 𝚐𝚎𝚝 𝚊𝚜𝚔𝚎𝚍 𝚠𝚑𝚎𝚗 𝚒𝚗𝚜𝚞𝚛𝚒𝚗𝚐 𝚑𝚘𝚎𝚜𝚎𝚜 𝚒𝚜
𝐖𝐡𝐚𝐭 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐝𝐨 𝐲𝐨𝐮 𝐫𝐞𝐜𝐨𝐦𝐦𝐞𝐧𝐝?

𝚆𝚑𝚒𝚕𝚎 𝙸 𝚌𝚊𝚗’𝚝 𝚊𝚗𝚜𝚠𝚎𝚛 𝚝𝚑𝚊𝚝, 𝚊𝚜 𝚎𝚟𝚎𝚛𝚢𝚘𝚗𝚎 𝚑𝚊𝚜 𝚍𝚒𝚏𝚏𝚎𝚛𝚎𝚗𝚝 𝚌𝚘𝚗𝚌𝚎𝚛𝚗𝚜 𝚋𝚞𝚝 𝚠𝚑𝚊𝚝 𝙸 𝚌𝚊𝚗 𝚍𝚘 𝚒𝚜 𝚘𝚏𝚏𝚎𝚛 𝚖𝚢 𝚘𝚠𝚗 𝚙𝚎𝚛𝚜𝚘𝚗𝚊𝚕 𝚜𝚝𝚘𝚛𝚢. 𝚈𝚘𝚞 𝚜𝚎𝚎 𝚋𝚊𝚌𝚔 𝚒𝚗 𝟸𝟶𝟷𝟸 𝚖𝚢 𝙰𝚀𝙷𝙰 𝚆𝚘𝚛𝚕𝚍 𝙲𝚑𝚊𝚖𝚙𝚒𝚘𝚗 “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚌𝚘𝚕𝚒𝚌𝚎𝚍. 𝙸 𝚑𝚊𝚍 𝚓𝚞𝚜𝚝 𝚖𝚘𝚟𝚎𝚍 𝚏𝚛𝚘𝚖 𝙼𝚒𝚜𝚜𝚘𝚞𝚛𝚒 𝚝𝚘 𝙲𝚘𝚕𝚘𝚛𝚊𝚍𝚘 𝚊𝚗𝚍 𝚒𝚝 𝚠𝚊𝚜 𝚚𝚞𝚒𝚝𝚎 𝚝𝚑𝚎 𝚎𝚗𝚟𝚒𝚛𝚘𝚗𝚖𝚎𝚗𝚝 𝚌𝚑𝚊𝚗𝚐𝚎. 𝙸𝚝 𝚜𝚎𝚎𝚖𝚎𝚍 𝚝𝚑𝚊𝚝 “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚍𝚒𝚍𝚗’𝚝 𝚍𝚛𝚒𝚗𝚔 𝚎𝚗𝚘𝚞𝚐𝚑 𝚊𝚗𝚍 𝚑𝚊𝚍 𝚊𝚗 𝚒𝚖𝚙𝚊𝚌𝚝𝚒𝚘𝚗 𝚜𝚘 𝚘𝚏𝚏 𝚠𝚎 𝚠𝚎𝚗𝚝 𝚝𝚘 𝚝𝚑𝚎 𝚗𝚎𝚊𝚛𝚎𝚜𝚝 𝚟𝚎𝚝 𝚑𝚘𝚜𝚙𝚒𝚝𝚊𝚕. 𝙸 𝚑𝚊𝚍𝚗’𝚝 𝚜𝚝𝚊𝚛𝚝𝚎𝚍 𝚖𝚢 𝚌𝚊𝚛𝚎𝚎𝚛 𝚊𝚜 𝚊𝚗 𝚒𝚗𝚜𝚞𝚛𝚊𝚗𝚌𝚎 𝚊𝚐𝚎𝚗𝚝 𝚢𝚎𝚝 𝚋𝚞𝚝 𝚠𝚊𝚜 𝚊 𝚗𝚎𝚠 𝙼𝚘𝚖, 𝚖𝚢 𝚜𝚘𝚗 𝚁𝚒𝚕𝚎𝚢 𝚠𝚊𝚜 𝟺 𝚖𝚘𝚗𝚝𝚑𝚜 𝚘𝚕𝚍. 𝙷𝚎 𝚠𝚒𝚕𝚕 𝚌𝚘𝚖𝚎 𝚒𝚗𝚝𝚘 𝚝𝚑𝚒𝚜 𝚜𝚝𝚘𝚛𝚢 𝚊 𝚕𝚒𝚝𝚝𝚕𝚎 𝚕𝚊𝚝𝚎𝚛.

𝚆𝚎 𝚊𝚛𝚛𝚒𝚟𝚎 𝚊𝚝 𝚝𝚑𝚎 𝚟𝚎𝚝 𝚑𝚘𝚜𝚙𝚒𝚝𝚊𝚕 𝚊𝚗𝚍 𝙸 𝚐𝚎𝚝 𝚝𝚑𝚎 𝚍𝚛𝚎𝚊𝚍𝚎𝚍 𝚗𝚎𝚠𝚜 𝚝𝚑𝚊𝚝 “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚗𝚎𝚎𝚍𝚜 𝚜𝚞𝚛𝚐𝚎𝚛𝚢. 𝙿𝚊𝚗𝚒𝚌 𝚜𝚎𝚝 𝚒𝚗 𝚊𝚜 𝙸 𝚑𝚊𝚍 𝚗𝚘 𝚒𝚍𝚎𝚊 𝚑𝚘𝚠 𝙸 𝚠𝚊𝚜 𝚐𝚘𝚒𝚗𝚐 𝚝𝚘 𝚙𝚊𝚢 𝚏𝚘𝚛 𝚝𝚑𝚎 𝚜𝚞𝚛𝚐𝚎𝚛𝚢. 𝙸𝚝 𝚠𝚊𝚜 𝚐𝚘𝚒𝚗𝚐 𝚝𝚘 𝚝𝚊𝚔𝚎 𝚎𝚟𝚎𝚛𝚢𝚝𝚑𝚒𝚗𝚐 𝚝𝚑𝚊𝚝 𝙸 𝚑𝚊𝚍 𝚝𝚘 𝚙𝚊𝚢 𝚏𝚘𝚛 𝚝𝚑𝚒𝚜 𝚜𝚞𝚛𝚐𝚎𝚛𝚢 𝚊𝚗𝚍 𝙸 𝚛𝚎𝚖𝚎𝚖𝚋𝚎𝚛 𝚝𝚘 𝚝𝚑𝚒𝚜 𝚍𝚊𝚢 𝚝𝚑𝚎 𝚜𝚝𝚛𝚞𝚐𝚐𝚕𝚎 𝚠𝚒𝚝𝚑𝚒𝚗 𝚘𝚗 𝚠𝚑𝚊𝚝 𝚝𝚘 𝚍𝚘. 𝙸 𝚑𝚊𝚍 𝚊 𝚢𝚘𝚞𝚗𝚐 𝚏𝚊𝚖𝚒𝚕𝚢 𝚠𝚑𝚎𝚛𝚎 𝚠𝚎 𝚓𝚞𝚜𝚝 𝚜𝚝𝚊𝚛𝚝𝚎𝚍 𝚊 𝚗𝚎𝚠 𝚕𝚒𝚏𝚎 𝚒𝚗 𝙲𝚘𝚕𝚘𝚛𝚊𝚍𝚘. 𝙸 𝚘𝚋𝚟𝚒𝚘𝚞𝚜𝚕𝚢 𝚍𝚒𝚍𝚗’𝚝 𝚑𝚊𝚟𝚎 𝚒𝚗𝚜𝚞𝚛𝚗𝚊𝚌𝚎. 𝚂𝚘 𝚝𝚑𝚎 𝚒𝚗𝚝𝚎𝚛𝚗𝚊𝚕 𝚍𝚎𝚋𝚊𝚝𝚎 𝚜𝚝𝚊𝚛𝚝𝚎𝚍.

𝙸 𝚖𝚊𝚍𝚎 𝚝𝚑𝚎 𝚍𝚎𝚌𝚒𝚜𝚒𝚘𝚗 𝚊𝚜 𝚊 “𝚑𝚘𝚛𝚜𝚎-𝚌𝚛𝚊𝚣𝚢“ 𝚐𝚒𝚛𝚕 𝚊𝚗𝚍 𝙸 𝚜𝚎𝚗𝚝 𝚑𝚒𝚖 𝚝𝚑𝚛𝚘𝚞𝚐𝚑 𝚜𝚞𝚛𝚐𝚎𝚛𝚢. 𝙻𝚞𝚌𝚔𝚒𝚕𝚢, 𝚝𝚑𝚎 𝚜𝚞𝚛𝚐𝚎𝚛𝚢 𝚠𝚊𝚜 𝚜𝚞𝚌𝚌𝚎𝚜𝚜𝚏𝚞𝚕. 𝟷𝟶 𝚍𝚊𝚢𝚜 𝚊𝚗𝚍 $𝟷𝟶,𝟶𝟶𝟶 𝚕𝚊𝚝𝚎𝚛 “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚠𝚊𝚜 𝚋𝚊𝚌𝚔 𝚑𝚘𝚖𝚎 𝚒𝚗 𝚛𝚎𝚌𝚘𝚟𝚎𝚛𝚢. 𝟼 𝚖𝚘𝚗𝚝𝚑𝚜 𝚕𝚊𝚝𝚎𝚛 𝚑𝚎 𝚠𝚊𝚜 𝚋𝚊𝚌𝚔 𝚒𝚗 𝚝𝚑𝚎 𝚜𝚑𝚘𝚠 𝚙𝚎𝚗 𝚊𝚗𝚍 𝟼 𝚢𝚛𝚜 𝚕𝚊𝚝𝚎𝚛 𝚖𝚢 𝚜𝚘𝚗, 𝚁𝚒𝚕𝚎𝚢, 𝚠𝚊𝚜 𝚜𝚑𝚘𝚠𝚒𝚗𝚐 𝚑𝚒𝚖 𝚏𝚘𝚛 𝚝𝚑𝚎 𝚏𝚒𝚛𝚜𝚝 𝚝𝚒𝚖𝚎. “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚠𝚊𝚜 𝚝𝚑𝚎𝚛𝚎 𝚝𝚘 𝚝𝚎𝚊𝚌𝚑 𝚁𝚒𝚕𝚎𝚢 𝚑𝚘𝚠 𝚝𝚘 𝚜𝚑𝚘𝚠 𝚏𝚘𝚛 𝚖𝚊𝚗𝚢 𝚢𝚎𝚊𝚛𝚜 𝚊𝚗𝚍 𝚒𝚜 𝚗𝚘𝚠 𝚛𝚎𝚝𝚒𝚛𝚎𝚍 𝚕𝚒𝚟𝚒𝚗𝚐 𝚑𝚒𝚜 𝚋𝚎𝚜𝚝𝚕 𝚕𝚒𝚏𝚎 𝚊𝚝 𝟸𝟸 𝚢𝚛𝚜 𝚘𝚕𝚍.

𝚃𝚑𝚒𝚜 𝚒𝚜 𝚖𝚢 𝚜𝚝𝚘𝚛𝚢. 𝚂𝚘 𝚠𝚑𝚎𝚗 𝚙𝚎𝚘𝚙𝚕𝚎 𝚊𝚜𝚔 𝚖𝚎 𝚠𝚑𝚊𝚝 𝚌𝚘𝚟𝚎𝚛𝚊𝚐𝚎 𝚝𝚑𝚎𝚢 𝚜𝚑𝚘𝚞𝚕𝚍 𝚐𝚎𝚝 𝙸 𝚌𝚊𝚗’𝚝 𝚝𝚎𝚕𝚕 𝚝𝚑𝚎𝚖 𝚋𝚞𝚝 𝚠𝚑𝚊𝚝 𝙸 𝚌𝚊𝚗 𝚍𝚘 𝚒𝚜 𝚜𝚑𝚊𝚛𝚎 𝚖𝚢 𝚎𝚡𝚙𝚎𝚛𝚒𝚎𝚗𝚌𝚎. 𝙸 𝚌𝚊𝚛𝚛𝚢 𝚜𝚘𝚖𝚎 𝚜𝚘𝚛𝚝𝚘𝚏 𝚌𝚘𝚕𝚒𝚌 𝚌𝚘𝚟𝚎𝚛𝚊𝚐𝚎 𝚘𝚗 𝚊𝚕𝚕 𝚘𝚏 𝚖𝚒𝚗𝚎 𝚜𝚒𝚖𝚙𝚕𝚢 𝚋𝚎𝚌𝚊𝚞𝚜𝚎 𝙸 𝚔𝚗𝚘𝚠 𝚠𝚑𝚊𝚝 𝚒𝚝 𝚏𝚎𝚎𝚕𝚜 𝚕𝚒𝚔𝚎 𝚝𝚘 𝚖𝚊𝚔𝚎 𝚝𝚑𝚎 𝚐𝚞𝚝 𝚠𝚛𝚎𝚗𝚌𝚑𝚒𝚗𝚐 𝚍𝚎𝚌𝚒𝚜𝚒𝚘𝚗. 𝙵𝚘𝚛 $𝟷𝟻𝟶/𝚢𝚛 𝚙𝚎𝚛 𝚑𝚘𝚛𝚜𝚎 𝙸 𝚌𝚊𝚗 𝙶𝚎𝚝 $𝟷𝟶,𝟶𝟶𝟶 𝚘𝚏 𝙲𝚘𝚕𝚒𝚌 𝚝𝚛𝚎𝚊𝚝𝚖𝚎𝚗𝚝 𝚊𝚗𝚍 𝚝𝚘 𝚖𝚎 𝚝𝚑𝚒𝚜 𝚒𝚜 𝚊 𝚌𝚑𝚎𝚊𝚙 𝚙𝚎𝚊𝚌𝚎 𝚘𝚏 𝚖𝚒𝚗𝚍. “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚐𝚊𝚟𝚎 𝚖𝚎 𝚖𝚘𝚛𝚎 𝚋𝚊𝚌𝚔 𝚝𝚑𝚊𝚗 𝚑𝚎 𝚔𝚗𝚘𝚠𝚜 𝚊𝚗𝚍 𝙸 𝚌𝚘𝚞𝚗𝚝 𝚖𝚢 𝚋𝚕𝚎𝚜𝚜𝚒𝚗𝚐𝚜 𝚎𝚟𝚎𝚛𝚢𝚍𝚊𝚢 𝚝𝚑𝚊𝚝 𝚠𝚎 𝚝𝚘𝚘𝚔 𝚝𝚑𝚎 𝚌𝚑𝚊𝚗𝚌𝚎 𝚊𝚗𝚍 𝚜𝚊𝚟𝚎𝚍 𝚑𝚒𝚖.

📷𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜 𝚊𝚗𝚍 𝚁𝚒𝚕𝚎𝚢

07/26/2026

Summer brings more foot traffic, more events, more people on your property...and more exposure.
Whether you run a feed store, a boarding facility, a farrier operation, or any other small business, your general liability coverage needs to match what you're actually doing this time of year. A lot of small business policies get set up once and are never looked at again.
If your operation has changed at all, new services, more customers, a new location, your policy should reflect that.
Give me a call and let's take a look.

07/23/2026

Wildfire season is here in the West. You already know how fast things can move.

Your livestock, your structures, your equipment, your hay supply...a fire doesn't care what any of it cost you.

A lot of farm and ranch policies have gaps around smoke damage, evacuation costs, and feed loss that people don't find out about until after the fact.

If we haven't talked about your coverage going into summer, now's a good time. Give me a call.