Friday, October 31, 2014

My son and his friends egged someone's house, now the homeowner wants me to pay. Am I covered?

Denver insurance questions answered

Ah youthful exuberance.  Fortunately, your homeowners or renters liability coverage would actually cover damage done by one of your children.

Thursday, October 30, 2014

My friend cut themselves making dinner at my house. Am I covered?

Denver renters insurance questions answered

Medical payments coverage provides money to send a guest to the hospital if they are injured at your apartment. Unlike personal liability coverage, medical payments coverage will pay out even if you aren't found to be at fault!

Wednesday, October 29, 2014

I had a kitchen fire at my apartment, and now my landlord wants me to pay. Am I covered?

Denver renters insurance questions answered

Renters insurance comes with a coverage called personal liability.  Liability will pay to fix damage that you cause, and is a covered loss such as fire or flood. The coverage will also pay for injuries sustained by a guest on the premises that are considered to be your fault. 

If you don't have renters insurance, you may be leaving yourself open for a HUGE judgement. Give us a call today for a quote.

Tuesday, October 28, 2014

If my apartment gets damaged, where will I stay? Who will pay for it?

Denver renters insurance questions answered

Your renter's insurance policy comes with a coverage called additional living expenses, sometimes called loss of use. This coverage will pay for your living arrangements if your apartment is damaged and deemed uninhabitable. The coverage will pay for a hotel, travel expenses, and even meals!

Monday, October 27, 2014

If my stuff is damaged from water or a fire, my landlord's insurance will pay to replace it, right?

Denver renters insurance questions answered

The answer is an emphatic NO! Your landlord's insurance will pay to fix damages to the house, but will cover none of your property. For under $20/month, a renters insurance policy protects all of your personal property on a replacement cost basis. Give us a call today for a quote!

Wednesday, October 22, 2014

How much do I need to put down to start an auto policy?

How much do I need to put down to start a Colorado car insurance policy? 

Most companies only require the first month to get an auto policy started. The best way is to set it up through your checking account, that way you don't pay a big monthly fee!

Tuesday, October 21, 2014

What information is needed to run my quote? How long does it take?

Many people avoid reviewing one of their largest household expenses, insurance, because they think it will take a long time. This could not be farther from the truth! Here is the information I need for a home and auto quote:

1. Names, birthdays, and drivers license numbers for all household drivers
2. Address
3. Year, make, model of vehicles
4. Do you rent or own your home?

Once I have this info, I run my customers quotes with 8+ companies and present them with the best package. Isn't it worth 5 minutes of your life to potentially save HUNDREDS per year? Give us a call today. 

Thursday, October 16, 2014

Do I need rental car coverage?

Ask yourself this question: If I didn't have a car for 12 days, would I be able to get through life as normal? For instance, could you work from home, or carpool? If the answer is no, than rental car reimbursement coverage may be for you.

Tuesday, October 14, 2014

Massive fire in Aurora

Friday, October 10, 2014

Saver of the week!

I'm happy to welcome Nicole S. from Englewood to Longevity Insurance Brokers. Nicole switched to Travelers from Farmers and saved $822/year on her auto insurance for the same coverage!

Wednesday, October 8, 2014

Was your house hit by the hailstorm?

If you think that you may have hail damage, give us a call. We can have a licensed contractor take a look (for free of course), to see if there is enough damage to warrant a claim.