Think you don’t need life insurance because you’re not married with children? You may want to reconsider. Most of us understand that life insurance makes sense if someone will suffer financially when you die. So, the most obvious example of someone who needs life insurance is the primary earner in a family with children. But [...]
Are you bonded? Do you need to be bonded? Should you require that a contractor doing work for you be bonded? And what does being “bonded” mean? Simply put, bonds are specialized types of insurance guaranteeing specific types of performance. Because they are so specialized, there are thousands of types of bonds. But they generally [...]
I have some advice for you if you’re concerned about possible hail damage to your home. And it may surprise you: Don’t call your insurance company’s claims department. Call your insurance agent instead. For most of you reading this, that’s Premier Mountain Insurance. Here’s why I suggest you start with your agent instead of your [...]
A Charlotte, NC, man having purchased a case of very rare, very expensive cigars insured them against fire among other things. Within a month, having smoked his entire stockpile of cigars and without having made even his first premium payment on the policy, the man filed a claim against the insurance company. In his claim, [...]
Did you know you can insure the tools of your employees? When I first suggest this to many business owners, they often laugh and wonder why would they want to insure their employees tools? The answer is quite simple. For contractors and their employees, tool theft can be a problem -- on the job or [...]
Does your car insurance have split limits or a combined single limit? You probably have split limits. It’s the most common type of automobile insurance coverage. You may not have known that. Or what it means. Let me explain: The state minimum insurance is represented as split limits: $25,000/$50,000/$15,000. The first number represents the most [...]
La agencia de Premier Mountain Insurance a estado desde el año 2008. Estamos localizados en el área del suroeste de Denver. Nuestro equipo se especializa en darle el mejor servicio que usted merece. La oficina de Mike cuenta con una representante en español con mas de cinco años de experiencia en seguros. El objetivo de [...]
Would someone important to you struggle financially if you were no longer around to help support them? If you’re married, have children, expect to get married someday, have relatives or friends who are dependent on you, or have a mortgage that couldn’t be paid if you are gone, then you need life insurance. The most [...]
Most people are familiar with insurance deductibles. But there may be a type of deductible you’re not familiar with -- a percent deductible. What is it? And is it right for you? There’s no right or wrong answer when it comes to the question of what kind of deductible is best. The real question is [...]
December means it’s holiday season. Unfortunately, it also means it’s fire season. There are more house fires during the holidays than any time of the year. The main reason: The many lights -- including candles -- that go with the holidays. I hope you have an enjoyable and safe holiday season. With that in mind, [...]
