Do you have sewer backup coverage?

Denver home insurance questions answered

If a city sewer line backs up into your home, it's not covered unless you have this important coverage. Give us a call for a free review today!

Refinancing? There is no better time to get a home insurance quote!

Denver home insurance

With interest rates plummeting, there is no better time to look into refinancing your mortgage. That means that it is also the best time to reevaluate your home insurance to make sure you are not paying too much. Give us a call today!

www.longevitybrokers.com

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. 

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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!

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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.  www.longevitybrokers.com

Massive fire in Aurora

http://kdvr.com/2014/10/14/crews-battle-huge-house-fire-in-aurora/

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. www.longevitybrokers.com

How much does it cost to cancel a policy mid-term?

With home and auto insurance, there are NO penalties for cancelling a policy early. Why pay month after month for overpriced insurance? Give us a call today and see what we can do for you. 
www.longevitybrokers.com

If you had a home claim, how much would it cost you?

More and more companies are requiring high deductibles due to severe losses in Colorado. Do you know what your deductible is? 

If you don't, it could cost you thousands. Give us a call today for a free review! 720-209-4598. 

www.longevitybrokers.com

What makes Longevity Insurance Brokers different? Choices!

When you do business with Longevity Insurance Brokers, you have access to many of the nation's top insurance companies, not just one like most agencies. If you aren't shopping your insurance at least once every 2 years, you are leaving money on the table!
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I'm considering a few different properties, should I get insurance quotes for all of them?

Colorado home insurance questions

Whenever you are considering buying a home, you should every expense into account to make sure you aren't over budget. Insurance is one of those expenses. Give us a call, and we can run you quotes for every property that you are considering. 
www.longevitybrokers.com

I think my roof has hail damage, what should I do next?

Hail claims

Think you have hail damage? Call a contractor and have them take a look. If they decide that your roof is damaged enough to file a claim, they will take care of most of the legwork for you. Some will even help with your deductible!www.longevitybrokers.com

I have a big garden, does my home insurance cover plants?

Home insurance questions answered: landscaping

The answer is yes! But only on HOMEOWNERS policies, not renters. Up to 5% of the overall dwelling coverage will go to cover plants and landscaping if damaged by a covered loss, such as hail. 

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. 
www.longevitybrokers.com

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!

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.

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Are you covered for this?

Does your Colorado home insurance policy cover this?

http://www.9news.com/story/news/local/2014/05/05/plane-crash-in-northglenn/8737965/

If my HOA levels an assessment, does my condo insurance pay for it?

Colorado condo insurance questions

 

If damage is done to the building from a covered loss such as hail, fire, or wind, "loss assessment" coverage comes in to play. It will pay your part of the assessment up to the coverage limits, and normally only costs a few dollars per year. 

Unfortunately for condo owners, coverage does not extended to assessments caused by wear and tear issues, such as needing the parking lot repaved or the building repainted. 

 

www.longevitybrokers.com

Does my home policy protect against flooding?

Does my home policy protect against flooding? 

We all remember last year's floods that ravaged Estes Park and other areas of Boulder County. If god forbid your home was effected by a flood, would your homeowners insurance cover it?

The answer is no. Flood insurance is a separate policy that is underwritten by the government. If you live in a flood plain, or are just concerned about the risk, give us a call today. 

My insurance company won't cover my wood roof. Help!

Colorado wood roof insurance

Most insurance companies in Colorado will no longer cover wood shake roofs. Fortunately, we have a couple of companies that will. If you or your neighbor have a wood shake roof, give us a call! www.longevitybrokers.com