Wednesday, May 28, 2014

Tuesday, May 27, 2014

How hard is it to switch your auto insurance?

The answer? Incredibly easy! It is a 3 step process:

1.   Make the payment on the new policy, either with a credit card or checking account
2.   Esign a cancellation request that we send to your current agent
3.  Wait for your refund check

It's that simple, and there is NEVER a penalty for cancelling an auto policy early! Give us a call for a no-obligation quote. 

Thursday, May 22, 2014

HUGE hail in Denver

Looks like our roofer friends are going to be busy! Give Brian Newman with Integrity Roofing a call if you think you have damage 303-877-7464.

Wednesday, May 21, 2014

Longevity is now approved by Gayborhood!

Longevity Insurance Brokers has officially been approved by Gayborhood as an LGBT-friendly business!

Tuesday, May 20, 2014

What if my dog is injured in a car accident?

Colorado auto insurance questions answered

Many carriers extend bodily injury coverage to household pets. Do you have this coverage for your best friend? 

Wednesday, May 14, 2014

What if my luggage was stolen on vacation?

Colorado home insurance questions answered: stolen luggage

Going away this summer? What would happen if your luggage were lost or stolen? 
The answer: your home insurance would save the day. Most policies provide up to 10% of your personal property coverage to property that is "off-premises." This is the same for a renters insurance policy!

Monday, May 12, 2014

What are the most important coverages on a condo policy?

Colorado home insurance questions answered: Condo insurance

Condo and townhome policies are different than a regular home policy, mainly because there is typically an HOA policy that covers the exterior of the structure. Here are the 4 most important coverages when insuring a condo/townhome:

1. Dwelling coverage- although there is a policy covering the exterior of the building, you are still responsible for the drywall in. Dwelling coverage pays to repair drywall, flooring, and appliances damaged from a covered loss.

2. Personal property- covers all of your furniture, clothes, electronics, and other property that is not permanently attached to the structure.

3. Loss assessment- if the HOA decides to put a new roof on the structure, they will often issue an assessment to the homeowners. This coverage pays your portion.

4. Personal liability- if someone is injured at your home, or you cause damage to your neighbors unit, this will pay for the damages.

Thursday, May 8, 2014

What is the Longevity Promise?

What is the Longevity Promise?

What is the Longevity Promise?
If we can't either a) find you a better rate or b) find you better coverage for around what you are paying, we would NEVER ask you to switch. That's a promise!

Wednesday, May 7, 2014

Why do people get life insurance? What does it pay for?

Obviously this is a subjective question, but here are some of the main reasons people get life insurance:
1. To pay off the house
2. Get rid of any outstanding debt from credit cards, car loans, student loans, etc
3. Paying for college
4. Income replacement
5. Leaving a legacy

No matter what the reason, if you have people that depend on you, life insurance is a MUST HAVE! 

Tuesday, May 6, 2014

What's the difference between a full service brokerage and someone that shops insurance for you?

Longevity: how we are different

Many agencies simply find you an insurance package, sell it to you, and are never heard from again. Here are three reasons why we are different:

1. Rerating at renewal- All renewals are carefully examined for increases. At that time, we rerun you quotes with all of our carriers to make sure you are still getting the best deal.

2. Claims assistance- sometimes filing a claim isn't the best idea in the long run. We provide council on whether or not filing a claim is the best move, and act as an intermediary between you and the insurance company.

3. Changes and questions- if you need to make a change or have a question on your policy, you always contact us, not a call call center in a different state. We are local, experienced, and here to help. 

Combining service with price. That's the way we do business!

Monday, May 5, 2014

Are you covered for this?

Does your Colorado home insurance policy cover this?