A question we are asked by both new and existing customers is how long the average customer will stay with one insurance carrier. Here at Square State Insurance, we are an insurance broker not an “agent,” which means we work with many different insurance carriers, or companies. This allows us to shop coverages and present the best options to clients. Because of this, we also see customers switch insurance carriers from time to time. There are several reasons people may switch or stay with one insurance carrier. Let’s see how often on average customers switch and the pros and cons of making a change.
As you shop for auto insurance, there are three important terms you should know. The first is liability insurance, which is something everyone needs. In fact, you can’t legally operate a vehicle without liability insurance. Essentially liability protects you from any accident where you’re to blame, and it helps pay for any damages other drivers or property owners sustain. Just carrying liability insurance on your vehicle is the cheapest option, but beware this coverage will not help you pay for any damage sustained to your car. This is where additional auto insurance coverage options come in, namely comprehensive vs. collision. Let’s take a closer look at both options and see if one or both are right for you.
Let’s say you’re new to Denver or the surrounding area. You finally find an affordable home in an area you like after an exhaustive search. Your next order of business – find the best home insurance for your new property. The search for home insurance can feel like it is just as difficult your recent foray into the real estate market. After all a quick web search usually uncovers hundreds of listings, all promising to find you the best price and best coverage options. So what do you do, pick the first option that sounds good and go with it? Of course not! Here are some tips to help you find the best home insurance for your individual needs.
When you’re shopping for a top rated insurance agent Denver, CO, or even in the nearby area, it pays to select a reputable company. Whether you’re new and moving to the area or just looking to switch insurance carriers, a company’s rating is extremely important. Here are several factors to consider as you search:
- Yelp Rating
- Google Rating
- Facebook Rating
- Website Appearance
- Quote Response Time
- Personal Recommendations
So before you begin your search for a top rated insurance agent Denver CO, let’s take a closer look at these six important factors.
Your dwelling needs can change from year to year. Depending on your job, family, location, and more, your housing needs, and the insurance that accompanies it, can change, sometimes unexpectedly. Aside from the initial upheaval of moving and adjusting to new surroundings, you’ll need to adjust your homeowners insurance as well. In some cases, you may need to change to renters insurance, or even add condo insurance. Let’s take a closer look at upsizing or downsizing your insurance and how your homeowners needs change.
Coverage like homeowners insurance exists for a reason – to protect you in the event of a loss or damage to your home. The same goes for auto insurance and your car. But what if we told you there were times after an accident where you shouldn’t use your insurance at all? That’s right, sometimes it is better to not file a claim. (This of course assumes you are not liable for an accident, which in that case you are required by law to report it). The question of to claim or not to claim is one that varies with each and every situation. The choice of filing a claim or not also depends on the type of insurance. Let’s take a closer look at the classic question – to claim or not to claim.
With another year come and gone, many insurance customers make the mistake of letting their policies renew without reviewing them. Worse yet, some customers don’t add the extra coverage they truly need as the year starts. Luckily the new year represents a chance to start again with your insurance coverage. Even if your coverage doesn’t end or renew until the middle of the year, now is the time to plan ahead. The thing is insurance needs are fluid and can change throughout the course of a year, if not sooner. So now that the calendar has turned over, let’s run down a checklist of a typical new year’s insurance review.
Colorado is a great place to spend the holidays. While there’s always a chance of snow both in cities like Denver and the mountains, there are plenty of holiday festivities to be had regardless of the weather. Here at Square State Insurance, we’ve celebrated holidays in Colorado the past few years by listing out some of the great activities you can enjoy throughout the state. From a day on the slopes to always popular activities like the Denver Zoo Lights, there’s something for everyone as the calendar gets closer to December 25th and New Years. Let’s see what Colorado holiday events are planned for the 2018 season.
The holiday season is a time to celebrate, but did you also know it is the time of the year when the most insurance claims are filed? That’s right, whether you’re headed away from home or hosting, potential claims lurk around every corner. From numerous turkey fryer claims to accidents around the home, it pays to prepare for the worst when the holidays hit. Let’s look at four common claims and what you can do to keep your family and your home safe from Thanksgiving to the New Year.
This weekend we all turn the clocks back an hour and thankfully receive an extra hour of sleep. While we could all probably use another hour to catch up on sleep, there are several more important reasons why the US has adopted daylight savings time (DST). The story of daylight savings time is one with players like a famous founding father, a devoted golfer and the great war. Let’s learn more about why we even mess with our clocks in the first place, and of course don’t forget to turn those clocks back this Sunday!