Pet insurance is becoming increasingly popular and necessary. Many of our clients ask us questions about the coverage so our insurance agents put together a list of frequently asked questions.

What factors into the cost?

With our insurance policy through Hartville Pet Insurance, there are only five variables that impact the rate: zip code, dog or cat, breed, age and gender.

How do I use my coverage?

It’s very easy! Here’s how the process works:

  1. Take your pet for treatment.
  2. Pay your vet bill.
  3. Submit a claim to get reimbursed.

What animals can be insured?

At this point, Denver Insurance offers coverage for only dogs and cats.

What does a pet insurance policy cover?

Coverage is available for accidents, injuries, illnesses, hospitalization, emergency vet visits, surgery, vaccinations, annual physicals, flea prevention, dental trauma, some alternative therapies and more. For a complete list of all coverages and exclusions, please contact an agent or request a sample policy. The insurance policy does not cover pre-existing conditions, cosmetic procedures or costs associated with breeding or pregnancy.

Where can I take my pet?

The insurance can be used at any veterinary clinic in the U.S. The coverage can also be used for treatment from specialists and emergency care facilities.

How much will I be reimbursed?

The level of reimbursement depends on the coverage that you select on the policy. You can choose up to 90, 80, or 70% of the vet bill.

How will I receive my reimbursements?

Reimbursements can be directly deposited into your bank account or you can receive a check in the mail.

How long does it take to get reimbursed?

Getting your money reimbursed is a priority! Claims are processed as quick as possible to get you reimbursed. On average, it takes 15 business days to completely process a claim.

What is the deductible?

A deductible of $100, $250, or $500 can be selected. It’s an annual deductible, so after you meet the deductible amount, you won’t have to satisfy it again until your next 12-month plan period. Preventive care can be exempt from your deductible if you add the preventive coverage to your plan.

My pet doesn’t get on the internet. Do you have a brochure I can print for my best friend (or spouse)? 

Yup, sure do! Click here to download.

I have more than one pet. Can I have more than one pet insured?

Yes, of course! As a reminder, we only insure cats or dogs, but you can enroll multiple pets at one time or add pets later. Each dog or cat will have an individual policy and premium. You will get a 10% discount on the base plan premium for each additional pet you insure.

Can I pay monthly or annually?

Convenience is key! Many payment options are available. You can be billed monthly, quarterly, semi-annually, or annually. Payment will be due on the day of the month that your plan went into effect. Payments can be made online or through automatic bill pay with your checking account.

Does the coverage get more expensive as my pet gets older?

Coverage is never canceled or downgraded because of your pet’s age or health. There is an increase in the rate as your pet gets older, though.

Is there an annual limit?

Yes, you can select between an annual limit of $2500, $5,000, $10,000 or $15,000.

Contact Denver Insurance to answer any other questions or if you are ready to get a quote. This post is for informational purposes only. Email or call a Denver Insurance agent for the most recent policy selections.

The basic reason to purchase wedding and event insurance is to protect you for circumstances that are out of your control. You have planned a special day and the insurance will give you added peace of mind. Have you asked or wondered:

  • What if a vendor or venue go out of business and you need to find a replacement?
  • What if your event attire gets lost or your gifts are damaged?
  • What if a guest slips and falls on the dance floor and wants to sue you for medical expenses?
  • What if a guest decides to drink at the event and then gets into an accident afterward?

Many events now require you to have liability insurance. Denver Insurance can help you with this requirement by adding the event as an additional insured at no additional cost.

Additional Expenses – If a service company, that you booked, suddenly becomes unavailable but you find a more expensive option because it’s a last minute replacement, this coverage could reimburse you for the cost difference.

Cancellation and Postponement – If the venue suddenly goes out of business or there is a sudden illness that prevents honorees or immediate family from attending this coverage could reimburse you for lost deposits.

Event Video and Photographers – If your photographer doesn’t show up or loses the memory card with the photos of your event, this coverage can reimburse you.

Event Gifts – If your gifts are damaged at the event, this coverage could pay for the cost to replace or repair the items.

Special Attire – If the airline or shipping company loses your event attire, you could use this coverage for new attire.

Special Jewelry – This coverage can provide coverage for jewelry you purchased for the event, for a certain time period before the event.

Lost Deposits – Can provide coverage if one of your vendors goes out of business, goes bankrupt or simply fails to show up. For example, if your band or limo provider fails to show, this coverage could reimburse your lost deposit.

Liability – Can cover you if a guest slips and is injured at your event.

Liquor liability – Can provide coverage if a guest drinks too much and is in an auto accident after your event.

Around 30 percent of wedding claim payments were due to issues with vendors. Wedding venues going out of business, photographers failing to deliver photographs and DJs failing to show up were among the vendor-related issues. Other common claims included illness or injury to an immediate family member or attendant, disruptive weather and military deployment.

For as little at $160 you can be covered for your event. Contact Denver Insurance today and we can customize a quote for your wedding or event.

This is a common question that we get at Denver Insurance. Obviously, the reason you have hail damage insurance is for events like a hail storm. If your roof is leaking or you have extremely damaged/missing shingles then we recommend filing a claim immediately. You do not want to make the situation worse.

But what about if you’re unsure if there is any damage? After all, you are likely not a certified roofer. In these instances, we recommend getting in contact with a local, licensed roofing company to have them assess potential damage. Nearly all roofing companies will give you a free recommendation if there is damage to your roof.

Did you know that a claim is listed on your record even if there is not damage? You avoid having unnecessary claims on your record by having an independent roofing company inspect your roof.

We work with several reputable roofing companies and would be happy to provide you with their contact information.

Your insurance with us is a partnership and we are happy to discuss your individual situation.

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money!

I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.

So you’re probably thinking, “Well Paul, you are an insurance agent. What do you know about real estate or rental properties? Why should I take advice from you?”

I’m not a real estate agent, and I don’t own a rental property. However, several of my friends/family/clients/co-workers own rentals, and because I insure a bunch of their properties, I’ve had a first hand account of the process, and I’ve learned what to do, and what not to do.

Continue reading →

I was recently asked this question by one of our Denver Insurance clients, and thought I would share the answer here for our readers.

There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting.

Some people have absolutely no idea that it’s used in the rate at all.

At the end of the day, there’s not much we can do about it though. Insurance companies have been using credit in their rates for decades, and that’s not likely to change.

By the way, insurance companies don’t pull your credit like a mortgage company or credit card company does. There is no negative impact on your credit as a result of an insurance company looking at it.

When I say “pull” what I mean is that the insurance company is doing what’s called a soft inquiry, which is not the same thing as having your credit pulled (hard inquiry).

When does credit play a role in insurance rates?
It’s important to understand that insurance companies don’t continuously check or monitor your credit. Usually, they only check it when you first get a quote and/or sign up with them in the very beginning.

This means that if your credit score increases (or decreases) your insurance company does not automatically know about it.

So, to my customers question of whether or not his increased credit score will lower his rates, the answer is not automatically.

What has to be done on our side as the agent is contact the carrier the insurance and ask them to do what’s commonly referred to as a “re-score”. This is when the insurance company can re-run the person’s credit (soft inquiry) to see if there is any positive bearing on the rate.

This isn’t something that the insurance company is going to let the agency do every single year, so it’s not worth even asking unless there has been a significant change in your credit score, and only you as the customer would know if that was the case.

If you’d like to get a better handle on your credit rating, it could be helpful to setup credit monitoring. We hope this was helpful! As always, leave us comment below if you have any questions.

Why do my auto insurance rates keep going up even though my car is getting older?  At Denver Insurance, many of our clients ask this question so I would like to address it from a couple of angles.

First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “home owners insurance”.

It’s important to understand that there are a lot of variables that go into insurance premiums, and with auto insurance, it’s no different.

The insurance company is much more concerned with you crashing into someone and causing them (or yourself) bodily harm, or death, than they are about your car. A car is a material possession which can be replaced.

A human life is not.

When is the last time you looked at your auto insurance policy?
If you look at it you’ll notice there are a lot of different coverages on your auto policy.

Bodily injury
Property damage
Un-insured motorist
Under-insured motorist
Medical Payments
Loss of Income
Funeral Expense
Loss of use
Rental Reimbursement

These are all things that you are covered for on your auto policy. How many of them have to do with your car?

None.

How many of them have a price next to them on your policy?

All of them.

Your car isn’t the only thing you’re being charged for on your policy
That’s because auto insurance covers far more important things than your car as mentioned above.

Let me re-phrase that: your car insurance rate isn’t just based on your car.

You’re not the only one…
It’s also important to understand that you are not the only person your insurance company insures. You are one fish in an ocean of other fish, sharks, and sea creatures, all who have different characteristics and risk profiles.

Insurance is all about spreading costs over a large number (risk pool) of people, which each person paying their fare share. That risk pool is constantly changing, and is impacted by a ton of different things, including the overall economic climate.

This means that you are sharing in the cost of millions of other people, many of whom may have poor loss history and/or credit.

That’s what insurance is though — sharing in the cost.

The next time your auto insurance rates go up, take a look at the big picture. Make sure you’re looking at ALL of the coverages, and corresponding rates.

Hope this helps!  If you would like to know more about Car Insurance be sure to visit our page dedicated to it.

If a tree root cracks your sewer line, it can be an expensive repair for homeowners. Most homeowners insurance does not offer coverage for your sewer line to be repaired. Sewer line damage is a common occurrence in Colorado. Finally, you have an option to add coverage onto your homeowner’s policy that protect your service lines.

This coverage is a feature that is an available add on to your homeowner’s insurance  but the home has to be insured with Denver Insurance.

Auto-Owners Insurance offers an endorsement to add coverage onto your homeowner’s insurance for all of your service lines including the sewer line, wiring, valves and attached devices that connect your home to a public utility service provider or to a private system. Coverage is available up to $10,000 with only a $500 deductible.

As a homeowner, you’re responsible for the service lines that fun from the curb to your home. When your service line is damaged, it can be a very costly expense to repair or replace. From identifying the problem to excavation to repair, you are protected with the Auto-Owners homeowners insurance policy when you have the Service Line endorsement.

The sewer line coverage is an endorsement (add-on) on the homeowners insurance. The sewer line coverage is not available as a stand-alone option.

Speak with a Denver Insurance LLC agent today to get a quote for your home insurance and protect yourself from unexpected damage to your service lines.

It’s great that the market value of your house is increasing. But do you need to increase the coverage on your homeowner’s insurance?

Probably not – the market value doesn’t have a direct correlation on the amount of insurance coverage on your home.

The amount of insurance coverage on your home is based on what it costs to rebuild the home. Market value takes into account the value of your land, location of your home and the demand for homes from buyers.

For example, if you have an identical home in Commerce City and the Wash Park neighborhood of Denver, CO then the cost to rebuild the home will be identical. The market price will be vastly different, though, because of the location of the home. For insurance purposes, you insure the home structure; not the land value. The land will always be there even if a fire destroys your home. Here are some quick points to consider discussing with your insurance agent.

  1. Generally, the insurance coverage is less than the market value of the home because the market value accounts for the cost of the land and the current market fluctuation.
  2. A good home insurance policy will also include “Extended Dwelling Coverage” or “Additional Replacement Coverage” or “Increased Dwelling Coverage”. The wording can vary with each insurance company but the coverage is the same. This gives you additional coverage in the event of a total loss, to rebuild the home with similar materials. This coverage acts as a buffer, in the event that the cost of materials and labor are at a high point.
  3. A reputable insurance agent will take the time to get details about your home. These basic details will help the insurance agent complete a “Dwelling Reconstruction Cost Estimate” for your home. This estimate is a tool that insurance companies use to help determine the rebuild cost of homes. Other good resources include the County Assessment of your property or an appraisal that contains an estimate for the building costs.
  4. You want to make sure your home insurance includes inflation coverage because the cost or materials increases each year. A high rated insurance company will automatically include inflation coverage.

Feel free to contact a Denver Insurance LLC agent today for a free review or if you have questions. Denver Insurance LLC offers free, no hassle insurance quotes. 

This week, we wanted to treat our readers to a guest blog from out favorite event planner, Mila Gates. Mila has planned large conferences, fundraisers, concerts, weddings, birthdays, reunions and more!

I was asked recently, “what is the biggest pitfall people make when planning their own event?” That’s an enormous question.

Of course, because I’m in the business of planning, I have to say “Not hiring me!” Now that we’ve covered that, here’s some things to help you next time you’re considering putting together a party:

  • Date. This may sound easy, but quite a few people will pick a date and send out invitations only to realize it’s also Easter weekend. Or cousin Jimmy’s graduation. Take a little extra time to call the key guests and make sure you’re not overlapping with something that will force guests to choose. However, also realize that we live in a very busy society, so making sure everyone can go is quite impossible.
  • Food Allergies and Intolerance. Again, we live in a hypersensitive world these days, and it’s difficult to accommodate everyone. As the host, you are not expected to provide all-allergen-free meals to your guests. It is considerate to make sure everyone can eat at least something there. Maybe put the cheese on the side instead of on top, or buy peanut-free cookies so that your nephew can have a little treat.
  • Seating. If you want your guests to be up and mingling, only provide chairs for half the guests. It makes people not want to park in one spot very long. Consider more space for standing with food and drinks, and your guests will mill around.
  • Decorations. Keep them subtle. Large, towering flower arrangements are beautiful and stunning, but usually end up splitting the area so guests can’t talk. More often than not, I find tall arrangements on the floor when guests got sick of leaning around it.
  • Ambiance. Turn your heat down a few degrees before guests arrive. All those bodies and their movement will warm up the space, and nobody will overheat. If your lights are on dimmers, start the party with bright lighting and slowly dim as the evening progresses. It will create a more intimate feeling and people will relax as the end of the party arrives.
  • Outfits. Wear something you can wear all night without fiddling or adjusting. The movement calls attention to how uncomfortable you are, and will likely make other guests fidget as well. Pick something you feel confident in, that will move with you through the night. Sometimes that means going up a size (I know) to make it comfortable.

There are so many more tips I can share! This could probably be a workshop just on throwing your own event. But, hopefully these tips help you during your big party. And when you decide that there’s too much to think about, give Belle du Jour Events a holler.

Happy planning!

Mila can be reached at mila@belledujourco.com

Does it seem like driving has become more expensive in Colorado in recent years? You’re not alone and your insurance cost likely has increased. Since 2014, we have seen more new cars on the road, and those cars are driving more miles than ever. The severity of traffic-related accidents has worsened causing insurance claims for bodily injury to become more expensive. Together, these factors are increasing the cost of insurance for just about every car owner.

More new cars: New car sales hit a new record in 2015, just under 17.5 million vehicles sold, in increase of 5.7% from 2014, according to PricewaterhouseCoopers. That’s great for the economy! The new safety, technology and convenience features get better every year. Still, new cars can be more expensive to repair or replace. All that technology doesn’t come cheap, though, and the cost of accident repairs is also increasing.

More miles driven: Encouraged by lower gas prices, those cars are driving more miles. Lower gas prices make vacations more affordable for families making the trip to the mountains or to see distant relatives. U.S. drivers drove 3.1 trillion miles in 2015, according to the Federal Highway Administration. That’s another record, and it’s also highest number of miles driven since Americans logged 3 trillion miles in 2007. Of course, the more miles driven, the greater the potential for accidents.

Traffic deaths increase: Unfortunately, the U.S. registered a 7.2 percent increase in annual traffic-related deaths from 2014 to 2015. The largest increase since 1966. It’s a heartbreaking trend that’s both dangerous and costly.

  • Half of those who died were not wearing seat belts
  • A third of the deaths were due to drunk drivers or speeding
  • At least one in 10 involved distraction.

Medical costs rising: From 2005 to 2013, the average cost for a bodily injury liability claim rose 32.1% according to the Insurance Research Council. These increasing costs are due to a number of factors including:

  • The rising severity of accidents
  • The rising cost of medical care
  • Higher speed limits
  • Distracted driving

Distracted driving: Using a mobile phone while driving is restricted in many states but cell phones continue to be a major cause of accidents. Cell phones have brought greater awareness to the larger category termed “distracted driving,” which is any activity that takes the driver’s attention away from the road. Distracted driving contributes to up 16 percent of the nation’s fatal crashes, about 5,000 deaths annually.

Distracted driving includes:

  • Using a cell phone
  • Texting while operating a car
  • Eating while driving
  • Operating your car’s navigation system
  • Conversing with passengers.

All of these rising costs and dangers impact your auto insurance rate. You might see the cost increase in your insurance bill and be tempted to reduce your costs by reducing your insurance coverage. But, at a time when the risk of costly accidents has increased, it may not be wise to save money by undercutting your protection.

As an independent insurance agency, Denver Insurance LLC is dedicated to helping you reduce your insurance costs without sacrificing the protection that you need. Our insurance agents know about discounts that can benefit you. Discounts are everywhere! Have a conversation with one of our licensed insurance professionals. Denver Insurance LLC can help you save money without sacrificing your security. Contact us today to get a free insurance quote!