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

State Farm requiring a 1% deductible on many of their home policies

Denver home insurance information

State Farm, one of the state's largest insurers, is requiring a 1% deductible on many of their home policies. For instance, if the reconstruction cost of your home is $350,000, your deductible would be $3500. Extremely high!

We still have access to many carriers that offer much lower deductibles, often for a better price. If you have State Farm for your home insurance, 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. 

www.longevitybrokers.com

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!

www.longevitybrokers.com

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!

www.longevitybrokers.com

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. 

www.longevitybrokers.com

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

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!

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

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!

Am I covered if my dog bites someone?

Colorado home insurance questions answered: dog bites

Many people don't know this, but the liability coverage on your home/renters insurance often covers the actions of your pet. Many carriers have breed restrictions, however, so make sure you mention what type of dog you have when getting a home quote from us.