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Fort Collins families and businesses protected
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Insurance risks you can't ignore
Protect what matters most before it's too late
Hidden traps in your current insurance coverage
Most families have critical vulnerabilities in their coverage that could devastate their financial future. Outdated limits, hidden exclusions, and policy gaps leave you exposed—and you won't know until you file a claim. Our independent agents review policies every day and consistently find issues that could cost families hundreds of thousands of dollars. Let us review yours before disaster strikes.
Uncover dangerous coverage gaps
Insurance companies write policies to protect themselves, not you. We find the hidden exclusions before you need to file a claim.
Know your true risk exposure
Most families have no idea what's actually covered until it's too late. We translate the fine print into plain English.
Eliminate insurance blind spots
Every policy has areas where you think you're covered but aren't. We identify them before they become disasters.
Build a protection strategy
Insurance isn't about policies—it's about having the right strategy to protect everything you've built.
Insurance stories that matter
Real people. Real protection. Real peace of mind.
Your insurance journey unfolds
Simple steps to comprehensive protection that matters
Step 1: Immediate expert attention
Within hours of your request, a licensed agent begins reviewing your needs and designing your solution.
Step 2: Customized coverage design
Through detailed consultation, we build protection tailored to your unique situation, not a standard package.
Step 3: Ongoing confident protection
Your coverage adapts as your life changes, with annual reviews and proactive adjustments to keep you protected.
FAQs
Find answers to your most pressing insurance questions right here.
Yes, commercial umbrella insurance can cover legal defense costs if a claim exceeds your underlying liability limits, offering vital financial protection for Colorado and Utah businesses facing major lawsuits.
Most dental insurance plans in Colorado and Utah require a waiting period of 6–12 months before major services like crowns are covered, but preventive care is usually available immediately. Always review your plan details to avoid surprises.
Your condo insurance deductible is the amount you’ll pay out of pocket before your insurer covers a claim—for example, $1,000 or $2,500. In Colorado and Utah, picking a higher deductible can lower your monthly premium, but it also means more up-front cost if you need to file a claim or face a special HOA assessment.
Homeowners insurance in Colorado and Utah usually covers fire, theft, vandalism, hail, and windstorms. Floods, earthquakes, and wear-and-tear are typically excluded—extra coverage may be required.
No, bundling home and auto only affects your premium, not your coverage limits. Each policy’s coverage remains set based on your needs, no matter how they are packaged.
Yes, alternatives to SR-22 such as FR-44 exist in some states like Florida, typically requiring higher coverage. Colorado and Utah have specific filing rules, so check local DMV requirements to understand your obligations.
Inventory your belongings to estimate their total value and choose a coverage limit that reflects that amount, typically between $25,000 and $50,000 depending on your possessions.
Garage keepers coverage protects your business when customer vehicles in your care are damaged by events like theft, hail, or vandalism. It's especially important for fleet operations handling repairs or storage in Colorado and Utah.
Contact your renters insurance provider promptly, document the damage thoroughly with photos and receipts, and follow their specific claim instructions to ensure a smooth process.
No—a Business Owner’s Policy (BOP) is a bundled policy best for smaller, lower-risk businesses, while a Commercial Package Policy (CPP) offers more customization and is ideal for businesses with complex or higher-risk needs.
Commercial insurance safeguards businesses from risks. It encompasses various policies, including liability, property, and workers' compensation. These protections are essential for business continuity.
To file a claim, contact your insurance agent or the claims department. Provide necessary documentation and details of the incident. Follow up to ensure your claim is processed.
Coverage limit is the maximum amount an insurer will pay for a covered loss. It varies by policy and can affect your premium. Understanding your limits is crucial for adequate protection.
Yes, you can change your policy at any time. Contact your agent to discuss your options and any potential impacts on your premium. Adjustments can help better meet your needs.
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