Premier Mountain Group

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So far Premier Mountain Group has created 23 blog entries.

How to Save Money When you Add your Child to the Policy

Mike,  I’ve heard horror stories of how much it costs to add my kids to my insurance policy.  How can we keep our costs down when my kids start driving? - Sarah Sarah,  Teens are expensive to insure and there’s good reason for that. There’s a high probability that a young driver will be in [...]

By |2020-01-16T14:38:01-07:00January 16th, 2020|Blog|Comments Off on How to Save Money When you Add your Child to the Policy

Ask the Insurance Agent – Umbrella Policies

Mike, A friend recently told me she purchased an umbrella policy, which covers both her home and cars. Should I purchase an umbrella policy? -Jennifer Jennifer, An umbrella policy doesn’t replace your home and auto insurance, but rather adds additional coverage on top of your home and auto to protect you from a catastrophic claim. Umbrella policies were first offered in 1949 [...]

By |2019-12-30T15:01:31-07:00December 30th, 2019|Blog|Comments Off on Ask the Insurance Agent – Umbrella Policies

Commercial Co-insurance: What You Don’t Know About Your Insurance Policy

Whether your business has significant assets, or just a one office show, you should understand how your co insurance clause works because it can mean big losses at the time of a claim.  If you are under insuring your property, Co-insurance can result in costly penalties if you aren’t paying attention. What is co-insurance? It’s [...]

By |2019-12-26T12:55:18-07:00December 26th, 2019|Commercial Insurance|Comments Off on Commercial Co-insurance: What You Don’t Know About Your Insurance Policy

Flood Insurance: NFIP or Private?

If you’re familiar with the National Flood Insurance Program (NFIP) offered through FEMA, you know how limited it is. And for the past 50 years, it was your only choice. Many people are surprised to learn that a flood is excluded by their standard home insurance coverage.  If you want coverage for a flood, you [...]

By |2019-12-19T12:05:27-07:00December 19th, 2019|Blog, Home Insurance|Comments Off on Flood Insurance: NFIP or Private?

Cyber Insurance: Are You Insured Against Losses from Cyber Attacks?

Chances are you’re insured against losses from a burglar physically breaking into your home or business. But what about losses from cyber attacks? Cyber liability is the fastest growing category of claims in the commercial insurance sector, but very few commercial policies automatically include cyber-liability coverage. A single cyber attack can cost a small business [...]

By |2019-12-02T09:54:07-07:00December 2nd, 2019|Blog, Commercial Insurance|Comments Off on Cyber Insurance: Are You Insured Against Losses from Cyber Attacks?

Ask the Agent – Insurance Coverage for Sewer Lines

Mike: My neighbor recently had to replace his sewer line running underground from his house to the street.  Does insurance cover this ? -Bill Bill: Up until this year, I wasn’t aware of a single insurance company that offered coverage for your sewer line.  Damage to a sewer line was almost never covered because the [...]

By |2019-12-02T09:57:05-07:00November 18th, 2019|Blog|0 Comments

World Record Attempt at Largest Sock Drive

The Action Center is attempting to break the world record for the largest sock drive in the world!  Estimates put the number of homeless people in Colorado at 10,587 people.  The Action Center's goal is to raise 10,587 pairs of socks on December 4th between 12pm - 5pm.  We are collecting socks at our office [...]

By |2019-11-15T11:41:52-07:00November 15th, 2019|Blog|Comments Off on World Record Attempt at Largest Sock Drive

Seven Ways to Lower Your Car Insurance Rates

Want to lower your car insurance rates? Get married and raise your credit score. What do marriage and credit scores have to do with car insurance? 47 states allow insurance companies to use credit scores to determine car insurance rates, the exceptions being Massachusetts, Hawaii and California.  Insurance companies use credit scores to determine rates [...]

By |2019-11-15T10:22:38-07:00October 31st, 2019|Auto Insurance, Blog|Comments Off on Seven Ways to Lower Your Car Insurance Rates

Short Term Rental Insurance (VRBO & Airbnb Insurance)

Vacation Rental by Owner, or VRBO, is currently the fastest growing rental segment in the U.S.  Short Term Rentals came about primarily because of the high cost of owning a second home.  Many second homes are only used 2 – 3 months of the year.  VRBO allows the owner to rent out their property on a [...]

By |2019-11-11T16:19:50-07:00October 29th, 2019|Blog, Home Insurance, Insurance Tips|0 Comments

Ask the Agent – Rental Car Coverage

Mike: Every time I rent a car, I say ‘no’ to the insurance offer from the rental car agency.  Is that a good idea? - Brad. Brad, This is one of the most common questions I hear from my clients. Like you, I personally waive the offer of coverage from rental car companies. However, there [...]

By |2019-10-28T08:06:20-06:00October 28th, 2019|Blog|Comments Off on Ask the Agent – Rental Car Coverage