You’ve just rented an apartment or bought a condo with a nice deck you consider perfect for grilling – until your landlord or HOA says you can’t. Your landlord or HOA is unfortunately right. And as difficult as it is to realize, you should be grateful they’re enforcing that rule. For many years, the International [...]
Whether you’re taking your Harley and heading across country, or just hitting the Northwest back roads, we want you to be safe on the roads this summer. Here are a few top tips: A motorcycle rider not wearing a helmet is forty percent more likely to sustain a fatal head injury in a crash than [...]
If you have a customized vehicle, you need customized insurance. Insurance companies use the VIN from your vehicle to help determine the value if you have an insurable loss. But what about the hundreds or even thousands of dollars you spent customizing your vehicle? Examples of customization can be roll bars, upgraded sound systems, additional [...]
Your car’s involved in an accident, and as long as you have collision coverage, the damage is likely covered by insurance. What about the parts used for the repairs? Many vehicle owners insist on OEM (original equipment manufacturer) parts from the auto’s manufacturer for any replacement parts. But in Colorado, insurance companies aren’t required to [...]
Liability claim amounts have been increasing for years. Watch daytime TV for an hour and you will probably see at least 5 different personal injury attorney advertisements. Our society has grown extremely litigious. How is your insurance policy protecting you from having to hire a team of attorneys and avoid a large settlement? Call about [...]
By Daniel Hatlestad, Ken-Caryl Firewise Committee All of the homes within Ken-Caryl are within the Wildland Urban Interface (WUI), an area of increasing risk for wildfire. Multiple factors interact to determine the behavior of wildland fires. Fire behavior refers to the intensity at which a fire burns, the rate of spread and how it moves. [...]
There's a misunderstanding in Colorado about uninsured motorist and what it covers. Many people think uninsured motorist is like a surcharge or tax to cover those without car insurance. This couldn't be further from the truth. Uninsured motorist bodily injury is coverage to pay your pain and suffering, lost wages and medical bills if you [...]
A storm damages a section of your roof while leaving most of it intact. No problem, your insurance company will cover it. But the roofing company no longer manufactures the shingles you have in place. Your insurance company is required to repair the damage, but not to replace the entire roof since most of it’s [...]
Most people would say their car is one of the most valuable assets they own — if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At Premier Mountain Insurance, we don’t want you walking out your door to an empty [...]
Home insurance is sometimes referred to as "fire insurance". Most policies covers many things, including theft, vandalism, hail, fire and sudden and unexpected release of water. A flood is not covered by your typical home insurance policy. A flood, as defined by FEMA, is a temporary condition where two or more acres of normally dry [...]
