You are able to add Full Coverage just for the snowy months of the year. This protects your vehicle from accidents regardless of who is at-fault.
Going above and beyond by providing a full-service Real Estate Agent experience. Chris George has been developing and fine tuning a team of experts in their respective field for over ten years then utilizing this team to benefit his clients through consultation and planning at no extra cost to them. The team members range from lenders that specialize in certain loan types to trustworthy home inspection professionals and experienced specialized contractors for electrical, plumbing, heating/cooling, concrete/landscaping and even insurance agents to help navigate potential insurance eligibility road blocks like outdated breaker boxes or mountain properties with high fire risks or old roofing.
I was fortunate enough to have Chris on my side when my wife and I were ready to search for the house we live in today. Now as the owner of Colorado Insurance Shop I’m proud to say I’m a member of the Chris George Team. Leveraging my fourteen years’ of insurance experience I’m committed to being a professional resource for all concerns related to insurance that Chris, his clients or other team members may need. When you contact the Chris George Team or one of its members we will provide professional consultation regardless of the opportunity to do business with you. We thrive on relationships and desire to help people the same way we would like to be helped if we were in their situation.
For more information on Chris George at Berkshire Hathaway Home Services – Innovative Real Estate try the links below:
For more information on Nick Harte at Colorado Insurance Shop try the link below:
Here at Colorado Insurance Shop we love a good road trip. Picking up a National Parks pass for the year can open up a lot of opportunity. We have found that the journey to a National Park can lead to many exciting options to explore. Here are some great road trips panned out for our enjoyment. Cheers!
Colorado Insurance Shop provides insurance throughout the state of CO from Denver and the front range to the Rocky Mountains all the way to Grand Junction. We are an independent broker to we shop through a variety of “A” rated companies to find the most cost-effective solutions for everything from Home and Auto to Business, RV, Motorcycle, Umbrella and more. If you enjoy being active in the outdoors you have found like-minded individuals who are eager to obtain your insurance business.
Most recent calculations by RMS Monday are $7.5 to 10 Billion regarding the Camp Fire, $1.5 to $3 billion for the Woosley Fire. These calculations include property and auto damage from burn and smoke damage and business interruption, additional living expenses and personal property and business personal property losses.
The Camp Fire has been determined the most destructive wildfire the California history. It has burned 151,000 acres and is 66% contained, burning 11,713 homes, 472 commercial buildings and the worst part is a reported 77 deaths.
The Woosley Fire burned 96,949 acres and is 94% contained, burned 1,500 structures as determined by CalFire.
As this unfolds its more obvious than normal that Wildfire is a large catastrophe risk that needs a substantial amount of attention when determining actuarial data. S&P Global ratings said they are confident primary insurers and reinsurers are able to absorb the financial losses for California fires. However, with large fires and corelating losses and the regulatory backdrop limiting the ability of insurance companies to increase premiums S&P said there may be “soul searching” when determining the amount of premium to write in California.
Insurance companies AIF, Chubb, and Farmers have the biggest exposures to the wildfires, as determined by S&P. S&P stated AIG and Chubb will most likely take on the largest loss ratio in Southern California fires determined by high-value properties in the region.
A family heirloom. A necklace and earings from a special occasion. Your wedding ring.
For the same reasons you love a piece of fine jewelry, you should consider insuring it as well.
In some cases, you can add your jewelry coverage directly to your homeowner’s policy and in other cases, it makes more sense to provide coverage through a PAF(Personal Articles Floater). This depends on the company and their policy limitations as well as the client’s desire to seek out coverage for mysterious disappearance.
Here is a checklist you can use to evaluate your jewelry coverage needs.
- What does your current Homeowners insurance policy provide coverage for automatically? Are their additional endorsements available that fit my needs and what it the cost?
- Add up the value of your collection so you can determine if the automatic coverage on your Homeowners policy is sufficient.
- Decide which items you would likely want to purchase additional coverage.
- Catalog your jewelry in an inventory. Insurance companies require appraisals for higher valued pieces. In addition, a video or picture inventory that’s kept on a cloud-based service is safe and advisable.
Toys make great hobbies and create awesome memories in the Rocky Mountains of Colorado. Protect your fun from that one bad moment where a thief takes advantage of an opportunity, the toy is wrecked or worst someone gets hurt and your responsible just because you own it.
Googles investment branch called “Giant” has acquired a small portion of Applied Systems, an agency management software developer for independent agencies.
The acquisition of a small portion of Applied Systems is being transacted through CapitalG, the growth of equity investment fund of Google’s Alphabet, which in the past has invested in businesses like Lyft, Airbnb, SurveyMonkey and Zscaler.