Home insurance is an affordable, practical means of protecting your home against disasters. A standard homeowner’s policy covers many disaster perils common to Colorado such as wildfire, hailstorms, tornadoes, blizzards and more. Flooding, however, is one peril not covered by home insurance. This can put you at risk of financial loss due to flood damage. By investing in flood insurance, you can protect yourself from unforeseen flood disasters. Here’s what a flood policy from Premier Group Insurance in Lakewood, CO has to offer.

Dwelling/Contents Coverage

Flood insurance policies cover your home (building) and/or your personal belongings (contents). Each policy is sold separately with separate deductibles. You can purchase one or both policies to protect your valuable investments. 

Building coverage protects your home structure to include its foundation, walls, cabinets, paneling, wall-to-wall carpeting, plumbing and electrical systems, HVAC system, built-in appliances and more. A typical flood policy will cover damage to your home for up to $250,000.

Contents insurance protects such items as clothing, artwork, furniture, electronics, small and large appliances, heirlooms and other personal belongings. The limits on content coverage are $100,000.

Affordable Costs

Contrary to what you may think, flood insurance is fairly affordable, especially if you live in non-high risk flood zones. Flood insurance is a smart investment considering how much damage a flood can cause. Even a few inches of floodwaters can ruin a home and destroy its contents in a short amount of time. As floods can occur anywhere, it’s to your advantage to be prepared for flood disasters in advance.

Compensation for Flood Loss 

Flood insurance compensates you for flood damage to your home or belongings. This compensation can save you from financial ruin. It will also help you recover quicker from a flood disaster. 

For more information about flood insurance or to purchase a flood policy, contact Premier Group Insurance in Lakewood, CO.

You should think of your boat, much like you do your car. Letting others borrow it can lead to disaster if they don’t have the necessary experience to handle your boat safely. In Lakewood, CO, the agents of Premier Group Insurance can assist you in protecting yourself from unwanted risks and liability. Never let someone you don’t know borrow or rent your boat.

Protect Your Investment

Letting someone else drive your boat can cause you a variety of headaches, especially if the person has minimal experience on the water. To adequately protect your boat, don’t let just anyone drive it. Always make sure the other person knows the boating laws in the state of Colorado. While the best way to prevent an accident is to not allow others use your boat, there may be times when you may have to let someone take over.

Make Sure They Have Their Own Policy

If someone wants to drive your boat, make sure they have their own insurance policy. It’s also vital that they have taken and passed a state-approved, boat safety class. The safety class will not only teach them how to handle a boat in a variety of situations. These classes also show what to do if an accident does occur.

The agents at Premier Group Insurance serve residents throughout the Lakewood, CO area, as well as many of the surrounding communities. They offer advice and recommendations on how to properly care for your boat and keep both you and your family safe while spending time on the water. You can always call if you have questions concerning your boat insurance and how to protect your investment.

Umbrella insurance can be a lifesaver for your business. The sense of financial security it offers is just one of its many benefits. In Lakewood, CO, the agents of Premier Group Insurance go to great lengths to ensure every business they work with has the level of protection they need to feel as comfortable as possible. 

Picks Up Where Other Policies Leave Off

Umbrella insurance is designed to pick up additional liability that may not be fully covered under your traditional commercial policy. In the event that your liability coverage falls short of what is required, your umbrella policy will cover the rest.

Protects Your Financial Security

By covering the additional cost, your umbrella policy protects your company’s financial security. Your business will be able to continue to operate normally without the fear of being short on financial resources. Your business needs capital to function. With umbrella insurance in place, your financial resources remain secure so that everything is business as usual.

Peace of Mind

If an accident occurs that involves a liability payout, the stress of worrying about how it will affect your business is overwhelming. With an umbrella policy in place, those worries are taken care of, providing you with the peace of mind you need to go about your business. Not only will you have financial security, but you will also have peace of mind knowing that your business will remain intact.

At Premier Group Insurance, business owners in Ft. Collins and Lakewood, CO are able to get the umbrella insurance they need to protect their companies from financial loss. If you have questions or concerns about how liability claims will affect your business, call and talk to one of our agents today. We can assist you in creating a policy that meets your individual needs and gives you the sense of security you deserve.

It’s important to protect your family with a life insurance policy. Whether you’re in Ft. Collins or Lakewood, CO, regardless of your age, you need to think about the future. With the help of Premier Group Insurance, we’re here to help you every step of the way.

It’s hard to protect your family if you’re no longer living. Since you cannot live forever, you can provide financial protection in the form of life insurance. You can establish the right amount in a policy so that they can be given $10,000 or even up to $1 million in the event of your death. This money can be used for a variety of different expenses:

• Burial and funeral
• Mortgage
• College tuition
• Monthly living expenses

The amount of debt you have and the overall quality of life that you and your family are accustomed to will determine how much the life insurance policy should be worth. Our independent agents can help you with calculations, too.

There are different types of policies to explore. You might want a term life insurance policy to protect you for a specific number of years. Then again, you might want financial protection for the rest of your life. Universal and whole life insurance policies can provide more financial protection and even offer a cash value that can be used in your retirement years.

One thing is for sure – a life insurance policy can be one of the best ways to protect your family. Your age, the number of kids you have, and even the type of job that you have can be used to determine some of the best options for protecting your family.

Call us at Premier Group Insurance in Lakewood, CO to discuss the details of a life insurance policy with us. We’re here to make sure that you get a policy to provide peace of mind.

Does living and running a business in the great state of Colorado leave you with any special considerations to know about when it comes to purchasing commercial insurance for your company? At Premier Group Insurance of Lakewood, CO, we offer insurance services for your life, and we want you to be knowledgeable when it comes to protecting your Colorado business. 

Commercial Insurance In Colorado

• In Colorado, basic liability costs will depend on the industry of your business. Because insuring a cupcake shop and a race track would require different levels of basic protection to cover the business owner and employees adequately.
• Insurance is not just for the employees and the business owner. Your customers are protected in many cases as well, which in turn further protects you as the owner. 
• Some Colorado businesses, such as a legal marijuana dispensary, will have special insurance considerations. In some cases, the business cannot be insured at all because it is still illegal on a federal level, but there are circumstances where you can have insurance for your building and customers in Colorado because it is legal within the laws of the state. 
• If you feel like your commercial insurance does not cover the things you need within your unique business, ask us about umbrella insurance to cover the difference for your peace of mind. 

Contact us at Premier Group Insurance for a quote on your business coverage in or around Lakewood, CO. We will be happy to answer any questions you may have about protecting your business in the beautiful state of Colorado. Call today for your commercial insurance quote and you may be surprised at how easy it is to get the coverage you need.

Premier Group Insurance knows that to be under prepared is to be prepared to fail. Even if "failure" simply means less convenience or having to go out of your way we want you to have the best time on your RV trip, so we compiled this list of things to remember when you go on your next adventure. We serve clients in and around Lakewood, CO with premium insurance services. 

Don’t Leave This Behind When You Pack Your R.V.

• Extra Towels An extra towel per guest seems like such a simple item, but when it comes to getting in and out of the water or caught in the rain or the plethora of other things that could require them it will be such a relief to have a dry towel even when your original is wet and hanging on the ladder. 
• Disposable Gloves Changing the sewer system is everyone’s least favorite task. But it is required. A pack of disposable gloves will last you a year at least and will make the chore one bit better which can be a lot considering how unseemly it is. 
• Maps of the Area  Most people rely on their phone for GPS and map services. But I cannot tell you how many mountain roads I have wandered on just to find that there is no service for my digital map. A physical map of any area you travel in is just good planning and can get you out of situations and save time and gas usage time and again. 

If you are planning an RV trip, contact us at Premier Group Insurance for insurance information, and more tips. We serve drivers in and around Lakewood, CO. 

If you’re of the Why do I need renters insurance? That’s the landlord’s responsibility school of thought, you may not fully understand what renters insurance is all about. Or to put it another way — what renters insurance can do for you if you live anywhere near Lakewood, CO or any area served by Premier Group Insurance. But before tackling that list, we need to clear up one of the biggest misconceptions Premier Group Insurance hears concerning renters insurance, namely that the landlord’s insurance has anything to do with you personally. It covers the physical structure of the building as well as its foundations but you’re on your own when it comes to personal belongings rental homes or apartments.

Renters Insurance  – What’s In It for You

• If fire or vandalism renders your apartment or rental house, renters insurance will cover the price of renting a comparable dwelling until yours can be repaired, replaced, or should it be needed, you relocate. Some policies also cover events like political unrest,  extreme weather, or should a vehicle or plane crash into the building.
• If one of your guests sustains an injury in your rental dwelling, renters insurance provides liability coverage to pay for medical expenses stemming from the incident.
• If a thief breaks into your Lakewood, CO rental dwelling and steals your property, renters insurance will pay to replace the items based on the terms of your policy. Most basic policies will reimburse you at actual cash value comparable to what you paid for them.  However, there is a more expensive option – a replacement value policy that will pay the present market value price. No matter which you choose, keep in mind, the bottom line amount depends upon the deductible you have chosen.
• If your car is stolen, unfortunately, renters insurance doesn’t cover it. That’s the realm of auto insurance. But rental insurance does cover anything that was in it, items such as bicycles, laptops, phones, or other personal property that are stolen from it while parked in the driveway or parking lot.

While renters insurance is valuable in the sense that it promises financial assistance should any of the above befall you, it can be expensive. If it seems to be beyond your budget, the insurance agents at Premier Group Insurance can help you find affordable solutions such as increasing your deductible or choosing actual cash value rather than replacement value. Call us today.