Independent insurance · Coeur d'Alene, Idaho

A young agency, growing the honest way.

Meadowline opened in 2025 with zero inherited clients and one rule: every policy planted on purpose. Auto, home, renters, life, and the weekend toys — quoted across 16 carriers, explained like a neighbor would.

16 carriersEst. 2025 — first generationLicensed Idaho #134291
What we plant

Six beds in the garden.

Each one quoted across 16 carriers and pruned every renewal so you never pay the loyalty tax.

Auto

Every driver and rig on one tidy renewal. Teen-driver math done kindly but honestly.

Home

Replacement-cost coverage with wildfire and snow-load checks standard, not upsells.

from $12/mo

Renters

Everything you own, protected for a streaming-subscription price. Genuinely.

Life

Term life sized to the mortgage and the kids — a ten-minute conversation, not a sales event.

Fun vehicles

Boats, sleds, campers, UTVs, bikes. Agreed value and layup rates for the tarp months.

Umbrella & more

$1M+ of extra liability over the whole garden, plus landlord and small-business lines.

How it works

Seed, sprout, bloom.

SEED

Tell Ellie everything

Fifteen minutes. House, cars, boat, the whole driveway — every detail goes in the ground.

SPROUT

16 carriers compete

Same spec to every carrier. You see the real side-by-side — including quotes we lose.

BLOOM

Tended every year

Renewals re-shopped automatically. Policies pruned when life changes. No loyalty tax, ever.

Ellie Hartman, founder of Meadowline Insurance
First generation, first name basis

Hi, I'm Ellie. Meadowline is year one — and that's my edge.

I opened Meadowline in 2025 after seven years at a national brokerage, where I watched "book of business" become an excuse to stop trying. I don't have a book. I have neighbors — every one of them here because I quoted sixteen carriers honestly, read the exclusions out loud, and answered the phone myself. That's the whole business plan.

2025 planted 16 carriers 7 yrs brokerage-side CdA grown

"Ellie walked our first-house closing like a friend who happened to know everything. Explained the sewer-backup rider, found us a bundle $70/month cheaper, and sent a plant as a housewarming gift. A plant!"

— Bri & Tomás A., Coeur d'Alene

"Added the pontoon and two sleds. One bill now, one person to call, and she re-quotes us every spring without being asked."

Plant a quote

Takes about two minutes.

Planted! Ellie will call you within one business day. 🌱

Or just call (208) 555-0138
Office
1522 N Government Way, Coeur d'Alene, ID 83814
Hours
Mon–Fri 8:30–5:30 · Saturdays in spring
Licensed
Idaho #134291 · 16 carriers quoted
Call Ellie Get a quote