WHY DO MY AUTO INSURANCE RATES KEEP GOING UP? If you have car insurance and pay attention to how much you pay for it every year, odds are good that you’re pretty fed up with your auto insurance rates going up every six to eighteen months. I assure you, you’re
Paying for auto insurance is a serious bummer. Much like home gyms, most people go years without ever using theirs. Nonetheless, their insurance rates continue to rise. What the heck!? Whether it’s fair, or not, understand that just because you haven’t had an accident recently, doesn’t mean you’re not going
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
Before I delve into this post, let me make it clear that I offer insurance options for average, low-risk homes; all the way up to multi-million dollar homes in high risk locations. If you want to talk about property insurance, give me a call at 303-532-3000. My house won’t burn
ATVs and dirt bikes are covered by my home insurance, right? WRONG! The verbiage in your home insurance contract is very clear. Motorized vehicles, regardless of whether they’re intended for road use, are not covered for damage or loss under the policy. More importantly, liability does not extend to them.
What the heck is with “full coverage” being an accepted term in the auto insurance industry? I have news for you: There’s absolutely no such thing as full coverage. What do you think of when you’re told you have full coverage? It would be reasonable for you to think you
I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you
I was recently asked this question by one of our Lone Tree Insurance clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from
Why do my auto insurance rates keep going up even though my car is getting older? At Lone Tree Insurance, many of our clients ask this question so I would like to address it from a couple of angles. First things first, even though it’s called car/auto insurance, it covers
Insuring against financial ruin is far more important to your financial success in life, than insuring against financial inconvenience. If you have equity in your home, money in the bank, or a solid income, you’re
Stop Prioritizing Financial Inconvenience. Prioritize Financial Ruin. The most common mistake consumers make when buying auto insurance is focusing on insuring against potential financial inconvenience, rather than insuring against potential financial ruin. It’s an easy
Odds are good that when you think about snowmobile insurance, you only really think about damage to, or loss of, YOUR snowmobile. If you have a pretty crappy snowmobile that you ride a few times
Have you heard the news? After 12 wonderful years of working with BMR Insurance, Dave Harriman started Lone Tree Insurance! Fear not… you don’t need to do anything. BMR and Lone Tree are working together
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
What Home Insurance Deductible Makes Sense? The answer will depend almost entirely on the cost of your home insurance policy. Here is the very simple way I look at it and what I tell clients
Transcript: Hey I’m Dave Harriman home and auto insurance broker extraordinaire, insuring drivers from Whitefish, MT, to Lone Tree, CO! A Lone Tree client recently asked “what happens when I borrow a friend’s car?” I
Whether you’re in Whitefish, Montana, Lone Tree, Colorado, or Tustin, California, the answer to this question’s going to be the same. Transcript: Hey there I’m Dave Harriman home and auto insurance broker extraordinaire! Alright
Get a real insurance quote from a real insurance agent, real fast.
Get a real insurance quote from a real insurance agent, real fast.
