E-Bikes and E-Scooters: You’re Probably Not Covered
Transcript: Why hello there, I’m David Harriman, home and auto insurance broker extraordinaire, insuring people from Whitefish, MT, to Lone Tree, CO! Oh how I wish I were a normal person. Then, during summer, when I watch everyone riding around on their cool new e-bikes (electric bikes) or those little e-scooters (electric scooters) that […]
Insurance for Short-Term Rentals Airbnb VRBO
What should I do with my home insurance for my vacation rental? If you hate reading, here’s the answer: Call your insurance agent and tell him exactly what you use your house for. Trying to “squeeze things by” will only hurt you, not the insurance company. Want to see if we’re a good fit for […]
Home Insurance and Renters Insurance – Why Liability Limits Matter for Downhill Skiers and Snowboarders
Transcript: In this installment of why liability insurance matters for downhill skiers and snowboarders, we’re going to talk about that. Okay, I’m Dave Harriman with Lone Tree Insurance: home and auto insurance broker extraordinaire. What the heck am I talking about? I don’t know half the time. Anyways. I got it. When you are downhill […]
Do Home Alarms Reduce Insurance Premiums
Find out if installing a home alarm will reduce your home insurance premiums.
Which Home Insurance Deductible is Best?
In this video, we discuss the pros and cons of higher and lower deductibles for your home insurance. If you’re in Whitefish, MT or Lone Tree, CO, we would love to see what we can do to help you! Feel free to schedule a call with us! SCHEDULE A CALL HERE
Homeowners Insurance for Homebuyers In Whitefish
So, you’re in escrow on your dream home in Whitefish, MT? Congratulations! The only thing more exciting than closing-day will be shopping for home insurance! Me, sarcastic? Never. People tend to think of home insurance as a commodity. I cannot stress this enough: HOME INSURANCE IS NOT ALL THE SAME! Great insurance companies still sell […]
Are Pinhole Leaks Covered?
Are Pinhole Leaks Covered By Home Insurance? Pinhole leaks are absolutely, definitely, MAYBE covered. Will an insurance company cover the cost of re-plumbing your house so the pinhole leaks stop? No. Replumbing costs are your responsibility. Will your rates go up if you file a water claim? Almost definitely. What will likely be covered by […]
Why is your home insured for less than it’s worth?
Transcript: Good morning I’m David Harriman home and auto insurance broker extraordinaire! A fabulous question I am asked very often is, “How on Earth is my house only insured for $400,000 but I just paid $700,000 for it?” The answer’s easy. Your home insurance company doesn’t care what the value of your home is because […]
Wait, that’s not covered?
A client being surprised to learn they don’t have coverage for a loss is a bummer, but sometimes it’s inevitable. A couple issues that come up pretty frequently are on home insurance policies. First, losses that occur over a long period of time don’t meet the “sudden and unexpected” requirement for coverage. So a slow […]
