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INDEPENDENT AGENTS AT YOUR SIDE FOR PREMIER HOME AND AUTO INSURANCE
Do you wanna pay less for Auto Insurance, Home Insurance, Toy Insurance? We even can get you paying less for Business Insurance!
**We shop every Insurance Company to find you the coverage you need for the least amount of money!**
CALL TODAY! 720-572-1172 Ask for Lance!
We make insurance companies fight over you to get you the best coverage for the best price!
Liability only? Full coverage? How do I choose
This is always a tricky question and varies based on the customer themselves. When our clients ask whether they should carry full coverage auto insurance or liability only, we always respond back with the question "how much do you feel your car is worth?" Then we follow that question up with "if you were to get in an accident and wreck your car tomorrow, what would that amount of money be worth to you?" These two questions help the client realize the best coverage option themselves. Always keep in mind that if you have a loan on your vehicle, your finance company is probably going to require you carry full coverage insurance With that full coverage requirement the comprehensive and collision deductibles typically can't exceed $1,000.
Does the value of your home dictate dwelling coverage?
It plays a factor, but is not the determining one. Your dwelling coverage is mostly dictated on a price per square foot guideline based on the above ground square footage of your home. That could range from $120/sq. ft. if your home is fairly basic in finish to $250/sq. ft. and up if your home is very customized. Something to keep in mind is dwelling coverage does not include your land value because that does not play a factor in having to rebuild your home in the event of a loss. This is where value of your home and dwelling coverage could greatly differ.
How should I insure my boat?
Regardless if you belong to a private lake/reservoir that requires you to carry a certain amount of boat liability, you should always max out your boat liability to the available limit which is usually $500,000. Furthermore, you should always set your uninsured boater limit to match that at $500,000. Insuring your boat's trailer with the correct stated value is also a necessity on your boat policy. Then of course you have your available comprehensive and collision deductibles which can be set at your specific needs.
Protecting Your Business Is What We Do Best
The Business Protection Team is our local, full-service commercial insurance department dedicated to protecting your business. We offer a full suite of AM Best "A" rated carriers and products. We are a true "one-stop shop" for all of your commercial insurance needs. Our specialized agents have an intimate knowledge of the Colorado business market with focus on specific industry segments and can guide you through the complexities of how your business should be covered. From smaller, one person operations all the way to larger multi-location businesses, The Business Protection Team will deliver the highest level of customer experience. We strive to be the permanent go-to for all of your commercial insurance needs for years to come!
How should I insure my motorcycle?
We always recommend that you insure your motorcycle with the exact same coverage that we recommend on your auto policy. 250/500 in liability, $100,000 in property damage, $5,000 in medical payment, 250/500 in uninsured motorist coverage and of course comprehensive and collision deductibles based on your needs. The state of Colorado says that your medical and uninsured motorist coverage technically extends from your underlying auto policy to your motorcycle policy and this is true. What most agents will neglect to tell you though, is this coverage does not extend to any passengers that could ride on your motorcycle which is a very scary thought. That is why we always recommend our clients carry these important coverages on their motorcycle policy.
CALL TODAY! 720-572-1172 Ask for Lance!