Doorbell Video Surveillance & Their App’s

Recently my parents installed a doorbell with video surveillance and it comes with an app you download on your smart phone. When it comes to an insurance agent’s point of view, we love these types of gadgets. There are many handy settings on these doorbells. These gadgets are very user friendly and easy to install. When someone rings your doorbell, you’re are immediately notified on your smart phone. By having this type of device, it allows you to feel more safe and secure in your home.

They can also help prevent theft losses to your house. With their 180 degree camera angle, they keep an eye out in front of your home. Some other features you can add now include swapping out those old spot lights with new LED lights that include a video camera and motion detector that all work in sync with each other.

Overall these handy gadgets can prevent your house from getting burglarized. Most of all it can prevent you from having to file an insurance claim. Filing a theft loss with your insurance company is always going to guarantee a rate increase for the next policy period. These increases can be as much as 25% and higher. If you become ineligible for a standard policy, then you might have to be placed in a non-standard market.

Most of these doorbells start as low and $100 at your local electronic store. They are also very easy to install. The low cost of these devices can give you piece of mind and help deter crime occurring on your property.

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2013 Wildfires Are Going To Hit Your Pocket Book…. Again…

Colorado is being hit hard again with wildfires. Unfortunately not only are the people who are directly affected going to be hurt by these fires, so are the rest of Colorado property owners. Millions if not billions of insurance losses has occurred this year..

These wildfires are going to drive up Colorado property insurance rates. In 2013, home insurance rates have gone up due to all the wildfires from 2012. The same thing will happen again to renewals 2014.

Lets start praying and possibly start doing some rain dances. Colorado needs rain and snow. BADLY.. Lets also hope we don’t get too much wind and hail. Even though hail does bring the BADLY needed moisture, the problem is that it destroys roofs.

Colorado the past decade is starting to show a state where property insurance has become a complex thing. Wildfires, wind and hail have caused this. Hopefully no more incidents will be passed on to the consumer’s pocket book in Colorado….

Home Health Care Insurance | Get A Free Business Insurance Quote

Home Health Care Insurance Program

Home Health Care Companies provide on site, in home care for patients. These include licensed personel such as Doctors, Nurses, Physicians any other type of medical professionals. They provide services at a patients home, apartment or everwhere else they might live. The goal for home health care is to provide treatment for illness or injury. Examples of treatment could be wound care, physical and occupational therapy, speech therapy, patient and caregiver education, injections, and more. In home visits could be as little as once a week, all the way to once a day.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Workman’s Compensation
  • Products Liability
  • Abuse & Molestation Coverage available
  • Excess Liability Limits Available
  • Special causes of loss on building, contents, loss of income, and extra expense.

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Home Medical Equipment Dealers Insurance | Get A Free Insurance Quote

Home Medical Equipment Dealers Insurance Program

Home medical equipment dealers provide home delivery of medical devices, goods and supplies. This can be anywhere from wheel chairs, patients lifts, heart monitors and other important medical devices. Operations could include company vehicles for deliveries. Operations might also include websites or call centers for orders and customer service.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Products Liability
  • Abuse & Molestation Coverage available
  • We can write all lines with one company.

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Home Insurance Rates Have Gone Up In Colorado

A lot of consumers have been getting their home insurance renewal statements lately and have been going into shock!!   Home insurance rates in Colorado have gone up on average about 10 to 15% and in some areas 40%.  These consumers can thank the tremendous amount of property losses taking place in the year 2012.  These losses are from wind and hail that we received in the summertime and wildfires that have been going on since the beginning of the year.

These wildfires include the Little Sand Fire, The Treasure Fire, Weber, Waldo and Flagstaff,  Lower North Fork, The High Park, Springer, Woodland and Last Chance, Ironing Board and Pine Ridge.  These wildfires have easily exceeded over $500,000,000 in damage, though the number not official, wildfires alone could reach eight to nine hundred million.

The state on top of all the wildfires also received a large amount of wind and hail.  During the  months of May, June and July, Colorado received a large amount of wind and hail.  This took place throughout the state of Colorado.

These losses eventually get passed onto the consumer one way or another, either by requiring 1-2% wind and hail deductibles or the consumer has seen insurance rates going up.  Some companies are even requiring that you package your auto and home and especially your rental property.  Companies are going towards or already have requiring that you package all your insurance products with them. The standalone home or landlord insurance policy is more than likely going to go away in Colorado.

If you are one of the consumers who is getting non-renewed or your home insurance rates have spiked, or if you are having problems getting any type of insurance on your home or auto, gives us a call.   As brokers we have multiple sources and can bundle your insurance needs.

Sources: –Rocky Mountain Insurance Information Association

Wikipedia

Homeowners Insurance | Get A Free Home Insurance Quote

Homeowners Insurance Program

At Denvers Insurance & The Ahbe Group, we know that your home is one of your most important investments you could ever make. That’s why we never take short cuts, when we build our home insurance policies. Work with one of our agents, and she/he will guide you through the process to find a policy that is best for your needs. Let us invest time into you, just like you did with your house.

Types Of Policies We Can Write

We can write properties of all types. This could be a small house, to a multi-million dollar one.

  • Dwelling(DP-3) Insurance
  • Home(HO-3 & HO-5) Insurance
  • Condo Insurance(HO-6) (Unit Owners)
  • Renters & Tenants(HO-4) Insurance
  • Seasonal Home(HO-3 & DP-3) Insurance
  • Vacant Home(DP-1) Insurance
  • If you are looking for Landlord Or Investment Property insurance, please click here.

Coverages

We offer comprehensive, “worry Free” insurance coverage.

  • Dwelling Or Structure With (RC)Replacement Cost (some policies don’t qualify for replacement cost)
  • Extended Dwelling Coverage
  • Other Structures
  • Personal Property With (RC)Replacement Cost
  • Medical Payments
  • Homeowner Liability
  • Loss Of Use
  • Sewer Back Up
  • Identity Theft
  • and more!

Homeowners With Previous Claims & Loss History

Helping homeowners who have been non-renewed due to many claims is one of our specialties. If you no longer qualify for a policy with a standard company, we can help you out. This can be anywhere from just a couple of claims, all the way to a full list. We will also counsel on how to avoid non-renewal in the future, and eventually get you back into a standard company.

High Value Home Insurance

We understand that some customers may have high value homes, requiring unique comprehensive coverage. We have multiple markets that offer insurance for high value properties.

Unusual Risk Home Insurance

We know some properties are located in areas that make inherently more risky to insure. We have markets that fulfill needs for hard to place risk. For Example: Mountain houses in wild-fire risk areas with minimal fire protection.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Home Insurance Quote!

We offer up to 10 personal lines companies for home insurance. To get a free home insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

Authorized Foremost Insurance Agency | Get A Free Insurance Quote

Looking for a Foremost Insurance Agency in the Metro Denver area or Colorado? You are at the right place. We are appointed and represent their products. Our agent code is 0501699. We are a full service National insurance agency. Here is a line up of what we do.

  • Auto/Car Insurance
  • SR22 Insurance
  • Specialty Home Insurance
  • Landlord Dwelling Insurance
  • Mobile & Manufactured Home Insurance
  • Motorcycle Insurance
  • High Claims Experience
  • High Risk Properties
  • And More!

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Wildfire Season Has Sprung Early In Colorado

Wildfire season has begun early in Colorado. With one of the most dry winters in a long time, Colorado is extremely dry. The wildfire that started earlier this week in Jefferson County, has already claimed 2 lives and destroyed 23 homes.  The fire originally started as a controlled burn, until the wind picked up starting an uncontrollable blaze. In some reports, the fire was moving faster than a speeding car.

What Do I Do If My Home Is At Risk?

  1. Always listen to the local authorities.
  2. Make sure all family members are always accounted for at all times.
  3. Always be prepared. Have a “bug out vehicle(s)” ready. This way you can leave with in seconds. Have everything already packed ready to go. This can include important documents(including insurance info), family memorabilia, important computers and pictures. Most of all make sure you have enough food and water for 7 days. If not longer.
  4. Make sure everyone is the household has a “bug out” bag ready. This usually includes clothes, supplies, food and etc.
  5. Have communication ready for every family member. Cell phones can lose coverage. I recommend CB radios due to range. If not the walkie-talkies at your local retail store is better than nothing. Make sure to get the ones with the furthest range possible.
  6. Make sure to have a first aid kit with you. The more money you spend on one, the better.
  7. Make sure you have a final location(bug out) everyone knows about and can meet up at. This is in a case if you lose family member(s).
  8. Always make sure that non-immediate family knows your okay if you have to evacuate, or if something happens.
  9. Have an emergency weather radio.

From an insurance stand point, such things as making sure you have enough coverage should always be done before the fact. This can serve as a reminder to people in risk areas around the state to be prepared.

RV Insurance- Recreational Vehicle Insurance | Get A Free Quote

RV Insurance- Recreational Vehicle Insurance

Recreational Vehicles are just not another commodity. They’re a life style and a second home. They are a passion to travel the country and to get outdoors.  Recreational Vehicles allow people to travel for long distances and stay away from their primary residence for many months while enjoying the beautiful country.

Work with one of our experienced, licensed insurance agents and he/she will work with you to create a comprehensive policy that is best for both you and your RV.  Let us help you create a worry free insurance policy.

We Insure Most RV’s

  • Class A Motor Homes
  • Bus Conversions
  • Diesel Pushers
  • Class B Camper Vans
  • Class C Motor Homes
  • Truck Campers
  • Pop Up Campers
  • Travel Trailers
  • Tear Drop Trailers
  • Hybrid Trailers
  • Fifth Wheel Trailers
  • Park Models
  • Toter Homes
  • Toy Haulers
  • Mobile Homes
  • And More!

We Insure All Drivers

We insure anyone and everyone. This includes any where from a young driver, to drivers who have a DUI(s) needing sr22, to preferred drivers who have good credit and a clean driving record.

Coverages We Offer:

  • We can write-up to a half million dollar combined single liability limit.
  • We Offer up to $25,000 in medical payments coverage.
  • Under insured or uninsured motorists is available on all policies.
  • Comprehensive and collision coverage is available, with deductibles as low as 250 dollars.
  • Roadside assistance.
  • Lien/Lease Gap Coverage Available.
  • Uninsured Motorists Property Damage Available for “Liability Only” Policies

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free RV Insurance Quote!

We offer top companies for RV insurance. To get a free RV insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

Landlord & Investment Property Insurance | Get A Free Quote

Landlord & Investment Property Insurance

As a landlord the last thing you should be worried about is your insurance. If you purchase or have insurance through our agency, you won’t. We offer comprehensive “worry free” landlord and investment property insurance. Work with us today to get a free quote on your home or condo. Our agents are licensed and experienced, and can put together a policy that is best for your property.

What if your property burned to the ground tomorrow, do you have adequate coverage? What If there is a slip and fall on your property, does your policy protect you? These are questions that we help answer at our agency.

Types Of Properties We Insure:

We insure properties of all types. This includes dwellings, duplex, homes, condos, small apartment buildings and more. Please consult an agent for details.

Coverages We Offer:

  • Dwelling & building Coverage
  • Interior Dwelling coverage
  • 120% Dwelling Extended Coverage
  • Business Personal Property(BPP)
  • Replacement Cost on BPP & Dwelling
  • Loss Of Rental Income
  • Loss assessment (If Applicable)
  • Landlord Liability
  • Sewer Back Up
  • and more!

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Landlord Insurance Quote!

We offer up to 5 personal lines companies for landlord insurance. To get a free insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.