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.

A new roof will usually qualify for a discount on your home insurance. Luckily, many Colorado homes have a newer roof because of the hail storms in recent years. Most roofs, installed after 2000, have a composite asphalt shingle. But there is a type of shingle that the insurance company prefers.

It’s actually very easy, even for the untrained eye, to tell if you have a roof that will qualify for a better insurance rate. The architectural shingles are preferred because they are thicker and, generally, last longer. Architectural shingles will have a layered or textured appearance. Meanwhile, the traditional asphalt 3 tab shingle will have a flat appearance with distinct rows.

Take a look at the picture below and compare it to your roof. If you have architectural shingles, you might qualify for a discount. Contact us today for other ways to save money on your home insurance. Denver Insurance LLC will help you find the best insurance for your budget!

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.

It could! If you have Safeco Insurance, you have the option to add coverage for your dishwasher, refrigerator, oven, air conditioner (AC), washer, dryer and more! Introducing equipment breakdown insurance.

For an average of $2 per month, you can add Equipment Breakdown insurance coverage to your home insurance and cover your appliance for sudden and accidental stoppage from a broken part.

Home insurance in Colorado can be customized to your needs. Contact us today to find our more. Please contact us to see how much you can save on a free homeowners insurance quote.  Denver Insurance LLC is here to help you!

Safeco Insurance Now Offers Equipment Breakdown Coverage

Equipment Breakdown Insurance Coverage:  Optional coverage that provides coverage for accidental direct physical loss to covered property caused by equipment breakdown (limit and deductible apply). The wear and tear exclusion in the policy applies to this coverage. Covered losses must be direct, accidental and sudden, such as a broken part or electrical arcing. Routine performance failure due to age is not covered. For additional details contact us.

For just $2 a month, Equipment Breakdown Insurance Coverage is a cost-effective way to keep critical household equipment up and running after a mechanical or electrical breakdown—which are often not covered under a standard Homeowners policy. Some of the coverage highlights include:

Broad Coverage – Home mechanical, electrical, and electronic equipment is covered including appliances, heating and cooling systems, televisions and computer equipment.*

High Limit and Low Deductible – Coverage up to $50,000 and a deductible of just $500.

Energy Star – After a loss, provides a greener replacement by covering the additional cost to replace non-Energy Star® equipment with Energy Star® rated equipment (up to 125% of value to repair or replace).

Expedited Repair or Replacement – Accelerates recovery by paying the extra costs to expedite repair or replacement (up to $3,000 per occurrence).

No Adverse Premium Impact – Any claims made under this coverage option will have no impact on future premiums.

Note:  The policy wear and tear exclusion applies to this coverage.*

Please refer to your policy for additional details on equipment breakdown insurance. \Every claim is evaluated on an individual basis.


If you drive in Denver, Colorado, then you could benefit from Safeco RightTrack® by saving hundred of dollars with this cool driving device.

Safeco RightTrack is an app provided by the Liberty Mutual Group/SafeCo Insurance, one of the nations top auto insurance companies that offers insurance to motorists in Colorado. The purpose of the device is to more accurately track your driving habits to help you save you money on your insurance premiums. This is a much fairer strategy than basing your rate on your demographic, type of car and region you live in. 

How Safeco RightTrack® Works

Insurance companies know that safe drivers are less likely to make a claim, but it’s hard to work out who is a safe driver, and who isn’t, just from demographic information (such as your age and where you live). It’s much more accurate to collect information about a driver’s habits and then use that to work out how much they should pay in premiums. Safe, cautious drivers who stay under the speed limit will, naturally, pay less than those who brake suddenly, take corners at high speed and disobey road safety laws. 

There are two ways in which you can use Safeco RightTrack; either through their plug-in device or their mobile app

  • The plug-in device is a small device containing a suite of sense that Denver motorists install on their vehicles to track their driving. The device connects to an OBD-II port which is usually located under the dashboard.
  • The other option is to install the Safeco Right Track mobile app. The app works by using your phone’s onboard sensors to track your driving performance. The benefit of the app is that it is straightforward to download and install on either Android or iPhone devices. 

How Much Can You Save In Denver With A RightTrack® Device?

The savings from installing a Safeco RightTrack ® device are substantial. SafeCo Insurance Reviews says that it will apply a discount of between 5 and 30 percent, depending on its interpretation of the data. The cuts are automatically applied to your policy, based on your driving behavior – there’s no need to call the company or negotiate rates. 

How Can You Get A Safeco RightTrack® Device?

If you’ve decided to have a Safeco Right Track device fitted, how can you make it work for you and get close to the maximum 30 percent off your monthly premiums? 

  1. Drive Less Often – Insurance companies know that the further you drive, the more likely you are to have an accident at some point. The less you drive, therefore, the higher your discount should be, all else equal.
  2. Avoid Hard Braking – Insurance companies consider hard braking dangerous. You might just like braking hard, but from the perspective of the insurer, it’s more likely because you’re not paying attention to the road ahead. Hard braking increases your chances of being shunted from behind and also ramming into vehicles queued up ahead. If you want your premiums to fall, then it’s best avoided.
  3. Drive Less At Night – Driving at night in Denver, Colorado, between midnight and 4 am is more dangerous than during the daytime. Limit your driving to the day if you want to cut costs. 
  4. Don’t Accelerate Rapidly – Rapid acceleration is a proxy for aggressive driving and could be an indication of your overall road temperament, including your propensity to perform dangerous overtaking maneuvers.

What About Your Personal Data? 

Although the Safeco system collects a lot of data about your driving habits, it won’t affect your ability to get insurance in the future. Personally identifiable information – such as the data transmitted from your plug-in device to Liberty Mutual Group/Safeco Insurance – is not distributed to other parties outside of the company.

Safeco RightTrack®, therefore, offers Colorado drivers a low-risk way to reduce their premiums, especially if you follow safe driving habits. 

Do you feel like you are a good driver and deserve a discount? Well, now is your chance to save money on your car insurance with Safeco RightTrack®

Safeco Insurance has introduced a program to reward good drivers in Colorado. SafeCo RightTrack® is a telematics device that is easy to use and guarantees 5% savings just for signing up. The small device easily plugs into your car and monitors your driving habits. Driving habits include: stopping and starting patterns, the time of day that you drive and your mileage.

You use the device for 90 days and receive updates online about your progress. The best drivers receive up to a 30% discount on their car insurance. 

Setting Up Your RightTrack® Device

Setting up a Safeco RightTrack® device is relatively straightforward. 

First, you’ll need to contact Liberty Mutual Group, tell them that you’d like to use  Safeco RightTrack® as part of your insurance policy. 

Next, Liberty Mutual Group will come and install the plug-in device on your vehicle into the aforementioned OBD-II socket on your car. 

Then you’ll need to drive with the unit for around 90 days for it to collect sufficient data about your driving habits, including how much you drive and how suddenly you accelerate or decelerate. Liberty Mutual Group then crunches the numbers to see whether you’re a safe driver or not. 

Finally, based on the results, you’ll be granted a discount on your insurance premium. Liberty Mutual Group says that Denver residents are guaranteed savings and that their premiums won’t go up after having the device fitted. 

Safeco wants to reward you and not punish you so your rate will not be negatively impacted. With RightTrack, you can’t lose and many of our Denver clients are taking advantage of this new technology to get the best insurance rates.

We offer the RightTrack® option to all of our SafeCo customers.

To get Safeco RightTrack® you must have a Safeco policy.  We can get you a Safeco insurance quote and compare it against 32 other insurance companies.

Just fill out this form to get a free online quote and see how much you can save or contact us today!



You own a condo or townhome and might be unsure what you need for coverage. Condo and townhome insurance is usually different than insuring a single-family home. Your Homeowners Association (HOA) will cover the exterior of the home for damage. That’s part of the reason you pay your HOA each month. Common exterior damage includes roof and siding damage.

Since the HOA covers the exterior of the home, condo insurance is inexpensive compared to a standard single-family home. The technical insurance term for the condo or townhome policy is HO-6 insurance.

Here is a breakdown of the main coverage on your policy:

Dwelling Coverage – This coverage will repair the interior for a covered loss. The interior of your home consists of the drywall, flooring, kitchen cabinets and bathroom fixtures. Essentially, anything that is attached in the home makes up the Dwelling Coverage. Most people will carry this coverage at least 25% of the value of the home.

Personal Property – Coverage for your personal belongings for a covered loss. This is coverage to replace your items in the home including clothing, furniture, jewelry, electronics, and unattached appliances. The amount of coverage can vary for each person and home. A starting amount of coverage is usually at $25,000 but it is common to have a higher amount. You should let your insurance agent know if you have expensive jewelry, electronics, firearms, antiques or collections.

Liability – This is an important coverage in case you are negligent. The minimum amount of coverage is $100,000 but $300,000 is, by far, the most popular amount. The coverage could pay for things like: water or smoke damage to a neighbor’s unit or if a guest is visiting and falls down your stairs because you didn’t have a handrail.

Loss Assessment – A very inexpensive but often overlooked coverage. The HOA has a right to place a Loss Assessment on each unit owner. The most common occurrence is for roof replacement on all of the buildings. If the HOA has a high insurance deductible on their master policy or is lacking funds in their reserve account, they will place a loss assessment on each unit owner. This coverage could save you thousands of dollars and will cost around $1 per month.

In general, you want to get as much coverage as you can comfortably afford. As always, we are here to help you select the correct coverage levels. This is a high-level analysis of the condo and townhome policy. Please contact us with additional questions or a free insurance quote to get the best deal.

You can simply get a FREE condo or townhome insurance quote by filling out this quick quote insurance form below. It will take you about 2-minutes to complete.

Quick Quote Internal Form


The Colorado Holiday Season is one of the best times of the year! It is a time filled with fun, family and friends but also potential hazards. After you find the perfect Christmas sweater for your holiday party, read this blog for holiday safety tips:

Christmas Trees

  • Keep your tree fresh with plenty of water. Your tree is drying out when the needles turn brown or start falling off of the tree. Here is a great link with an Christmas tree cocktail to keep the tree fresh:
  • Turn your Christmas tree lights off when you leave or go to sleep
  • Make sure your tree stand is sturdy and stable. If the tree falls over, it is a huge fire hazard
  • Be careful not to overload your electrical outlets
  • If you prefer an artificial tree, make sure it is labeled as ‘fire resistant’

If you are traveling for the holidays

  • Don’t post on social media when you will be gone. Unfortunately, burglars use social media to identify homes that are unoccupied
  • Put your lights on an automatic timer so that it appears that someone is active in the home
  • Keep your blinds shut and lock your doors
  • Don’t turn your heat below 60 degrees. It is usually cold in Denver during the holidays and you don’t want to return home to burst pipes

Christmas lights

  • Choose a sturdy and appropriate ladder when hanging Christmas lights
  • Keep your Christmas lights on a timer
  • Try not to connect more than 3 strings of incandescent lights. It might blow a fuse or start a fire
  • Check your Christmas lights for exposed wires before hanging

General Tips

  • Take a taxi service from your holiday parties. Always drink responsibly
  • Contact us if you have any questions regarding your home or car insurance policy. We are happy to discuss your insurance even if it is with another insurance compan

If you have assets or a good income, then the simple answer is, yes!


A personal liability umbrella policy (PLUP) will give you extra coverage above and beyond the coverage that you already have on your home and auto insurance. The PLUP is an inexpensive way to give you additional peace of mind and protect your assets.

The PLUP could give you an additional layer of liability coverage in the event that you are sued for: 

  • Auto accidents
  • Accidents at your home that lead to a guest’s injuries
  • Various personal activities

As an example, you are at fault for an auto accident. Your auto liability coverage is at $250,000 for injuries so your auto coverage will cover that amount. If the other person’s injuries are severe and the medical bills exceed $250,000, your liability umbrella will cover the excess, up to the PLUP’s limit. Without a PLUP, you would likely be personally responsible to pay for the additional medical bills.

Most insurance companies will also give you a discount on your home and auto insurance for having a personal liability umbrella policy. The discount will make your auto and house insurance cheaper.

Contact Denver Insurance LLC today to learn more or for a free quote!

Let’s face it, unfortunately, accidents happen. That’s why you have car insurance. Ultimately, the claim should almost always go through the at-fault party’s insurance. Using your insurance means you will have to pay your deductible, which might be reimbursed but can take some time.

  • Always collect as much information as possible (driver’s license numbers, name, phone numbers, license plate numbers, insurance information, etc.).
  • Take pictures.
  • Always make sure you are safe and move your vehicle to a safe location, if possible.
  • Use your emergency roadside service for a tow. Contact your insurance company if you need a tow. Many insurance companies will offer a tow, from the accident, even if you do not have emergency roadside service on your policy.

Each scenario can be unique but we’ll discuss the most common occurrences:

Other driver is at-fault: Even if the accident is minor and the other driver admits fault, you want to notify the police. This will help if it turns out that the other driver changes their story or if they had a lapse in coverage. Just because someone has insurance ID cards, does not mean that they are insured. It’s in your best interest to file a claim through the at-fault party’s insurance. This will save you having to pay your deductible and the at-fault party will usually cover your rental car.

Parking lot incidents: Generally, police do not respond to an incident on private property unless there are injuries. If you feel you are not at-fault, collect as much information as possible (see above) and try to get contact information from any witnesses.

Hit and run: Try to get the person’s license plate number but make sure you’re safe. If the person leaves the scene of an accident, there is generally a reason. They might not have insurance or are driving illegally. Contact the police and your insurance company.

Your car is parked and someone hits it: Unfortunately, we see this often in Denver with the popularity of street parking. It is a terrible feeling to arrive at your car and see someone has hit you and left. Check to see if the person left a note or any information. File a police report and contact your insurance company. The damage will be covered under your collision coverage, if applicable, but you will be responsible for your deductible. Even if you have an older vehicle and decline collision coverage, ask your Denver auto insurance agent about uninsured property damage. This is an inexpensive insurance coverage that can be added to your auto insurance. If you have uninsured property damage, prior to the incident, then you will be covered.

As always, this is a high overview of potential incidents. Please contact Denver Insurance LLC for specific incidents and coverage questions.