Monday, December 22, 2014

Making a big purchase this holiday season? If it is jewelry, artwork, or firearms, you may need more insurance

Personal Articles Policies

Home insurance policies cover your personal property, but only to a limit for certain items. If you are giving or receiving expensive jewelry or artwork this holiday season, give us a call and we can help cover your items for full replacement cost. 

Wednesday, December 17, 2014

Needing new members for my referral group

Looking to grow your business through referral in 2015? My referral group, the Rocky Mountain Referral Partners, are looking to fill the following positions:
  • Landscaper
  • Handyman
  • Florist
  • Plumber
  • Housecleaner
  • Pest control
  • Personal Trainer
  • many more!

Thursday, December 11, 2014

What if someone gets injured at my house this holiday season?

Denver home insurance questions answered

If someone is injured at your house, there are two coverages that potentially come in to play: medical payments and personal liability. Medical payments will pay up to the policy limits (typically $5k) for anyone injured on your property, no questions asked. If treatment for the injury is greater than $5k, then your personal liability coverage comes into play. However, negligence by the policyholder must be proven in order for this coverage to pay out. Be safe this holiday season!

Wednesday, December 10, 2014

Why work with an independent insurance broker?

Independent insurance brokers vs. the captive agent model

Insurance rates are unlikely do go down, so when you get a rate increase, what does your agent do? If you are working with an agent that only has access to one company, they are probably crossing their fingers and hoping you don't notice. That is not customer service. 
At Longevity, we rerate every client that sees more than a 10% increase. If we are able to find  you a better rate, then we switch you over with no hassle to you. That's not just the right thing to do, that's the Longevity Guarantee. 

Tuesday, December 9, 2014

Did you know you can insure jewelry on your home insurance?

Denver home insurance

Special policies called floaters can cover expensive jewelry, artwork, firearms, and silverware up to their replacement cost. If you don't have this important rider and an engagement ring is lost, you may only get a small percentage of what it is worth.

Thursday, December 4, 2014

Longevity Insurance Brokers has been certified with the Better Business Bureau!

Longevity Insurance Brokers has been certified with the Better Business Bureau!

We are very honored, and will continue to live up to the ethical standards of our industry.  At LIB, the customer ALWAYS comes first! 

Tuesday, December 2, 2014

Category of the week: Renters insurance!

Denver Renters insurance

Renting your home? If so, a renters insurance policy is a must. Not only does it cover all of your personal property, but also protects your liability in case you were to do serious damage to your unit. And the best part: policies start between $10-$14 per month. Give us a call today!