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.