Common Insurance Questions Answered
As professional insurance agents, we are asked many questions regarding personal and commercial insurance options. We thought it would be a good idea to offer answers from an insurance expert to the most common kinds of questions we receive.
“Why Should I buy Insurance from an agent when I can go online?”
When you buy insurance online, you are forced to become the insurance expert and if there is ever an issue, you have no one to turn to for support. In most cases, we can offer similar or better insurance coverage options. Having a licensed professional insurance agent who is willing to meet with you to provide details on your options and answer your questions is always the better choice. There is no additional cost for these services as it is included in the overall cost of your insurance coverage. Mountain Insurance: Longmont is here to help with all of your Commercial and Personal Insurance needs!
“How much insurance do I need?”
That depends on your personal situation. If you have a number of vehicles, recreational vehicles, or a boat, we might recommend higher limits than if you are a renter with no “toys.” Mountain Insurance: Longmont recommends that you buy auto insurance coverage with limits above the state minimum. If you have a growing family and own your home, we suggest higher limits and a personal umbrella policy to protect your assets. A personal umbrella policy is very competitive and can provide an added layer of coverage and security. Each person has different needs when it comes to insurance coverage. Call us today to get a personalized quote that fits your insurance needs.
“Which deductible should I select?”
The higher the deductible, the lower the premium. In the long run, it may benefit you to increase your homeowner’s insurance deductible above a minimum amount, especially if you are claim free for a number of years.
Having served the Longmont community since 2002 in the insurance industry, Steve is extremely customer-focused. He works hard to find his clients the best insurance coverage at the lowest price as quickly as possible. His prior 15 years of management consulting experience and multiple college degrees set him apart from many of today’s insurance agents. His high degree of responsiveness & technical automation background allows him to return all inquiries within 1 business day, including new business requests, change of coverage, and proof of insurance. Contact him today for a free, no obligation quote for your business, personal, life, or health insurance needs.
Contact Us today for a free evaluation of all your insurance needs!