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What Is Service Line Coverage—And Why Do You Need It?

You’ve insured your home, your belongings, and maybe even your identity. But what about the underground service lines that connect your home to city utilities? If you’ve never heard of Service Line Coverage, you’re not alone—but it’s one of the most valuable (and affordable) home insurance endorsements you can add. What Is Service Line Coverage?…

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Why Did My Colorado Home or Auto Insurance Go Up Without a Claim?

Wondering why your insurance premium increased—even though you haven’t filed a claim? You’re not alone. It’s one of the most common questions we hear from Colorado residents:“Why did my home or auto insurance rate go up when I haven’t filed a claim?” We get it—it’s frustrating. You’ve been claim-free, cautious, and responsible. But insurance premiums

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What Is UM/UIM Coverage—And Why Do You Need It in Colorado?

When you think about car insurance, you probably think about protecting others in the event you cause an accident. But what happens when someone else causes the accident—and doesn’t have enough insurance to cover your injuries or damages? That’s where Uninsured/Underinsured Motorist coverage (UM/UIM) comes in. If you live in Colorado, this coverage is not

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WHY ARE HOMEOWNERS INSURANCE RATES ON THE RISE IN COLORADO?

If you’ve noticed your homeowners insurance rates increasing, you’re not alone. Home insurance premiums are rising across the country, and Colorado homeowners are feeling the impact. But why is this happening? As your trusted insurance agency serving Denver, Westminster, and all of Colorado, we believe in educating our clients about the factors driving these changes

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