What are the advantages of using an insurance agent to purchase insurance in Centennial, Colorado?

Posted on January 31, 2013July 16, 2014 by AgentInsure

If you live in or around Centennial, Colorado, you are lucky in that you have many options for purchasing insurance. Many nationwide companies allow you to purchase insurance, and television commercials would lead you to believe this is the best way to go about purchasing. However, you may find that there are actually many advantages to using an independent agent.

The first advantage to using an independent agent is that you get the close, personal attention you deserve. Working directly with an agent means there is someone on your side who will make sure you get the exact coverage you need at the best possible price. Even in today’s technologically-driven world, it is nice to work directly with a knowledgeable person, instead of doing everything through the internet.

The second advantage to using an independent agent is that you quite likely can save money. Instead of using the internet and being left to your own devices to choose your internet package, an agent will make sure you choose correctly. An agent understands all the ins and outs of the insurance industry, so you are not paying for more insurance than you need, or somehow missing something important.

Finally, when you work directly with an agent, you rest assured that if your situation changes, you are protected. An agent will look at your insurance needs on a regular basis to make certain you have the coverage you need.

As you can see, there are many benefits to working directly with an agent. When it comes time to make changes to your insurance policies, be they auto, home or life insurance, get in touch with our agency today and figure out what the best option is for you and all your needs.

Reasons Why You May Need Snowboard Insurance in Colorado

Posted on January 22, 2013July 16, 2014 by AgentInsure

Health and accident insurance is specific to you, the owner. If you purchase either one of these insurances you will need to know what they do and do not cover. Find out if the sports activities you are involved in such as a snowboard trip to the Colorado slopes are covered under your health insurance policy or do you need to purchase special insurance.

Sports such as bungee jumping, snow or water skiing, or a snowboarding trip are not generally covered under your primary health policy. There are many reasons why you should purchase a winter sports insurance policy, and the place to start is an independent agent from Centennial to help you sort through all these issues. Many winter sports enthusiasts join in on a fun snowboard trip to the Colorado slopes every winter.

Not many people consider the risks that a snowboard tip may entail. They just think about the fun and enjoyment that they are anticipating on their trip. The wise thing to do is to buy a winter sports policy for the duration of your trip, just to make sure that if anything happens you will be covered and not accumulate a load of medical bills that could have otherwise been avoided.

A good winter sports policy will cover unlimited hospital and medical expenses. Even if you become ill on your trip and need medical attention you will be covered. The policy should cover ambulance and helicopter services from the site of injury. The list of covered items is expansive such as, cash allowances, coverage for relative or emergency companion, accidental death benefits, or coverage of remains.

The ideal snowboard insurance coverage in Colorado will pay for cancelations, and lost deposits and lift passes, ski hires and extra unexpected accommodations in the event that bad weather throws a monkey wrench in your trip plans. If weather puts a halt to your snowboarding plans, your sports insurance will enable you to reschedule your trip.

Before you buy your ideal winter sports insurance package do some comparison shopping to get all you need at the lowest possible rate, and be sure to start with us as your local Centennial independent agent.

Tips on protecting your car and home against the Colorado snow

Posted on January 14, 2013July 16, 2014 by AgentInsure

Colorado is known for heavy snow fall and inclement weather all throughout the winter months. This is also an element that appeals to people who love to ski, snowboard, or spend time outside on cold snowy days. If you are one of those people who love the snow, make sure you follow a couple easy tips for protecting your car and your home against snow in Centennial, Colorado.

When speaking to an independent agent about coverage for your car and home, ask about specific plans that take care of damage caused by snow. When driving, accidents often occur due to snow on the roads or even an overload of snow on your car. Checking out the best insurance protection before you need to make a claim will ensure you have enough money to repair any damages.

Snow can also cause problems for your home. When snow piles up on top of the roof or on the garage or shed, it could cause the structure to collapse. This could cause thousands of dollars of damage to your home or your automobile. Although the snow is beautiful to look at and fun to play in, if it causes damage to your home, you want to be prepared. Make sure you have adequate coverage to replace your valuable property.

Contact us as your independent agent in Centennial Colorado about all of your insurance options. You may want to increase your coverage and reduce your deductible to make sure repairs can be made quickly in the event of an accident or a weather hazard. We can help you find discounts to make your premium affordable and give you the maximum amount of protection. We will also make sure to compare rates with several different companies to find the best quote in Colorado.

Will my Insurance Rates Increase if I install a Wood Burning stove in Colorado?

Posted on January 3, 2013July 16, 2014 by AgentInsure

Understanding all of the terms of homeowners insurance in Centennial, Colorado is important. If you have owned a policy for several years, you may need to review your plan and make sure you have all of the coverage you need. Also, if you are thinking about installing a wood burning stove in your home or workshop, you will need to find out if your insurance rates will increase. Before making changes to your home, you should always contact your insurance provider and make sure you have the coverage you need.

A local independent agent in Colorado can help you discover if your rates will increase if you install a wood burning stove. Usually, because of the extra fire hazard, the rates will probably go up. If you do not currently have a wood burning fireplace, you will definitely want to check on the coverage before installing the stove. You may be able to find discounts if you purchase a specific type of stove or if you have a professional install the stove in your home. You will want to make sure you take safety into consideration when installing this type of appliance in your home or workshop. Make sure it is located in safe place that will not cause a fire hazard.

Homeowners insurance should cover the possible damages of a wood burning stove, you just need to make sure it is listed on your policy. When working with us as your independent agent in Centennial, we compare rates and quotes to find you the best deal possible. A beautiful wood burning stove can add character to your home or warmth to your workshop. If it is properly installed, you will be able to enjoy the stove without worrying about fires or other hazards.