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.

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!

Have you ever wondered if you have enough life insurance? Take our life insurance survey or answer the below questions. It should help you in determining if you have enough life insurance:

  • Do I currently have a personal life insurance policy?
  • Do I currently have life insurance through work?
  • Do I have the option to purchase life insurance through work?
  • Do I have enough life insurance to pay off your home if something happened to you today?
  • Do I have enough life insurance to pay for your child/children’s college?
  • Do I have enough life insurance to pay for your final expenses?
  • Do I have enough life insurance to cover loans and any outstanding credit card debts?
  • Do I have a family business?
  • Am I still working?
  • Do I have retirement savings?
  • Does my spouse have retirement savings?
  • Do I have enough life insurance to cover ongoing living expenses for your spouse?

Life insurance can be complicated but Denver Insurance is happy to simplify things. Give us a call at 720-446-5566 or email and one of our insurance agents will be happy to answer your questions. We offer free insurance quotes and policy reviews.

It’s a great idea to review your insurance coverage with your insurance agent once a year. Life events happen and life changes throughout the years. The insurance agents at Denver Insurance understand that you’re busy and insurance isn’t the most exciting topic but a quick conversation can ensure that you have the correct insurance coverage. If nothing else, it’s a good refresher on your coverage.

Here are some questions to get you started on the process:

  1. What Was Updated On My Home?
    Did you add an addition or a detached garage? Did you finish your basement or remodel your kitchen? These are examples that could increase the rebuild cost of your home. You should update your insurance coverage to reflect these improvements.
  2. Has Anything Changed With My Vehicles Or Drivers?
    Do you drive a shorter distance to work? Do you work from home? Are you taking public transportation now? Did you make any expensive additions to your vehicle? Is your child now driving or has a driver moved out of the home? It’s a great idea to review your auto insurance coverage on an annual basis. A review is a good reminder of the coverage you have for windshield repair, roadside assistance and rental reimbursement.
  3. Have I Made Any Significant Purchases?
    Have you added any expensive jewelry or art? Did you inherit heirlooms or purchase a new computer? If the value of your personal possession has increased significantly, check to make sure you have sufficient coverage. For specific items, you can add special coverage, which will give you a lower deductible and coverage for broader types of losses.
  4. Is Anything New With My Family?
    Did you add a family dog? Did you get engaged? Have you introduced a bundle of joy into the world? These are all examples of what to discuss with your insurance agent.
  5. Are There Any Discounts for Which I Now Qualify?
    Adding a burglar alarm in your home can give you a discount on your homeowner’s insurance. Driving less miles could improve your auto insurance premium. You should get every discount that you qualify for on your insurance. An annual conversation of recent changes in your life and around your home can help.
  6. Should I Add Or Remove Any Coverage Options?
    New coverage options might be available like new car replacement, GAP coverage, windshield replacement, guaranteed home replacement and more. Maybe can save money on your auto insurance because you have good health insurance now. Your insurance agent can advise you on what you might be missing out on.

Some other questions you might consider before your annual insurance review include:

  • Do I have an updated home inventory?
  • Would it be worth increasing your insurance deductible?
  • Do I have sufficient liability limits to protect myself from an at-fault accident?
  • Should I get a personal liability umbrella?

It’s better to review your coverage before a claim to help assess if you have any coverage gaps. Talk with Denver Insurance today to ensure you are properly covered.


An inventory is not required but it is a great idea! If anything happens, whether it be a fire, theft or tornado claim, an inventory will help you identify what was lost. An insurance claim is always a stressful event and a home inventory will improve the situation.

Look around the room that you are sitting in and think about all of the items that are around you. If there is a fire, all of those items are likely gone. You will be asked to list all of your belongings in the event of a claim. It will be much easier and stress-free for you if you have a home inventory.

Some people simply take pictures or video to store them on cloud software or outside of their home. Generally, your personal belongings add up to much more than you expect. Think about your jewelry, clothing, furniture, electronics and all of your belongings.

Luckily, one of our insurance partners, Safeco Insurance, offers a free home inventory app. AND the best part is that you don’t even need to be a Safeco client or Denver Insurance client. You can upload photos, receipts, serial numbers, purchase dates and more.

Download the free home inventory app now!

Are you looking for coverage on your motorcycle? How much is Motorcycle Insurance? At Denver Insurance LLC, an insurance agent can help you with a free quote.

Denver Insurance LLC offers excellent rates through Safeco, Travelers, Progressive and other insurance carriers. Whether you have a Harley Davidson, Suzuki, Kawasaki, Yamaha, Honda or custom built motorcycle, we can insure it! You can even insure it on a stand-alone policy, which means that you don’t have to have other insurance policies with us. This can be a benefit if this is your only vehicle or your current insurance company doesn’t offer coverage for your bike.

 Photo by mihtiander/iStock / Getty Images Photo by mihtiander/iStock / Getty Images

Our insurance agency offers customized packages for your motorcycle insurance including: roadside assistance, coverage for personal property, custom equipment and accessories, diminishing deductible and total loss replacement.

You could qualify for discounts for anti-theft, motorcycle endorsement, years of experience, multi-policy, claim free, ticket free, garaging, motorcycle safety course and good driver. You will also have access to 24/7 claims service.

Feel free to contact us or 720-446-5566 to find the best motorcycle insurance coverage for your 2 wheeled cruiser. It doesn’t matter if you live in Denver or anywhere else in Colorado. We can help!

First and foremost, if you are a renter, you should have renters insurance. Your personal belongings could be covered for under $10 per month! Renters insurance is coverage for your personal property and liability. Your personal property can easily value over $15,000. Common claims happen from fire, theft and water damage.

Frequently Asked Questions about Renters Insurance 

  • Do I need to inventory my belongings? Not necessarily but it will help you identify your items if there is a fire or theft. Many insurance companies have an app or method to assist you with inventorying your items. You can also simply make a video of each room
  • What is liability coverage? Liability can cover you for negligent events. For example, if you leave a coffee pot on and it creates a fire or if a guest trips over your rug and gets hurt. Most apartment complexes require you to have liability damage in case you accidentally damage the apartment.

Make sure you’re properly covered by letting your insurance agent know if you have expensive jewelry, collectibles, firearms, bicycles, computers, etc. Ask questions upfront rather than after a claim.

If BMW makes the ultimate driving machine then we make the ultimate BMW insurance so you can have proper coverage. Denver Insurance LLC offers BMW coverage through numerous reputable auto insurance companies, but we’ll help you select the best option for your budget and your luxury car.

One of the most important things you can do is adding coverage for OEM replacement parts. Original Equipment Manufactured (OEM) parts are desired by most BMW owners. If there is an accident and you have OEM coverage, your car will be repaired with certified BMW parts. Take pride in your car and don’t settle for aftermarket parts.

“The ultimate driving machine” has regularly scored high in safety ratings, which will help your insurance rate. You could also qualify for BMW insurance discounts by bundling with your other vehicles, home or if you drive less than 7,000 miles annually. Contact us today to get a free auto insurance quote or if you have questions.

Our insurance agents are experts in auto insurance.

We admit it: As insurance professional, our picture of winter isn’t exactly cozy. Winter storms, in Colorado, mean icy roads and increased risks to your home. Cars sliding around like hockey pucks lead to dangerous accidents. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and space heaters can increase the risk of fire.

A picture-perfect winter requires a few precautions

Here are a few of tips to help reduce weather-related hassles this winter.

Winter-proof your vehicle with good snow tires or chains, new wiper blades, antifreeze, and emergency road supplies.

Keep your attic cool to help prevent ice dams. Insulate the attic floor and make sure it is well-ventilated.

When winter storms hit, be smart

If you do not have to drive, stay put. If you must drive, make sure you’ve winterized your auto and have a full tank of gas.

When the air is cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes. If pipes do freeze, let them thaw normally—they’ll be less likely to burst.

And if the power is out, make sure you avoid leaving candles or fires burning unattended. If you use a portable generator, follow the instructions and do not use it indoors.

Know what your insurance covers

We want to help you rest easy.  You will be more relaxed when you know you have prepared your property to lessen the chance of winter storm damage. Your home and car insurance policy covers repair or rebuilding costs. However, your deductible does apply. Check your policy to see what is covered and to confirm the deductible you have chosen.

If you have any questions about your coverage, call Denver Insurance LLC at 720-446-5566 and we will gladly review your options. Click below to start a free insurance quote for your home or auto insurance.