Sometimes people think that their car insurance will automatically transfer over to their new car when they buy it, but that's not actually the case. You usually have 30 days to add a new vehicle to your policy, so make sure to notify your insurance agent.
The important thing to remember about variable life insurance policies is that you receive no guarantee as to how much cash value it will accrue during your lifetime.
Want to save money on your homeowner's insurance? Consider having a higher deductible on your policy. Check with your mortgage company to determine the amount the maximum amount allowed for your deductible.
Pay attention to the amount of your deductible. While it can lower premiums, you don't want one so high that you can't afford any out-of-pocket costs. We recommend putting the deductible amount in a savings account and leaving it until it's needed.
Selecting life insurance can mean thinking about some difficult questions, such as how your family will get by financially after you die or who is responsible for looking after your will.
Do you host garage or yard sales? If so, check your homeowner’s policy to make sure you have sufficient liability coverage in case someone gets hurt on your property.
Review your homeowner's policy regularly to make sure it still meets your needs. If you removed dangerous trees near your property, you may be due for a reassessment.
Approximately 15% of all cars on US roads are uninsured, and in some cities, the figure is as high as 26%. When one out of every four vehicles is uninsured, it’s important you have comprehensive auto insurance that protects you, your family, and your vehicle.
How much life insurance do you need? Some suggest having enough insurance to replace five to seven years of your income. For people with young children or a lot of debt to cover, it’s recommended bumping up your coverage to replace up to 10 years of your salary.
We understand that every homeowner will have a different area of concern. We can help you determine whether a standard policy is sufficient or if your needs will require additional policy riders.
Will you be vacationing outside of the U.S. and plan to drive? Check with us about your car insurance and how it covers you. Some policies don't cover accidents outside the U.S. so adjustments may need to be made.
You may think that it’s a hardship to save money, and it can be. But there’s nothing like the comfort of knowing that your family will be secure after you are gone with a minimal amount of difficulty. Life insurance is a great way to ensure exactly that.
Did you know that some types of life insurance policies pay a dividend back to you based on its cash value? In some cases, you can even apply these dividends to lower your premiums.
If you live in an area where frozen pipes or ice dams are a possibility, talk with your agent to find out if they are covered. If not, ask about a rider for your homeowner’s policy to protect against damage these can cause.
Personal insurance can be an excellent way to provide peace of mind in the face of all of life's risks. Contact us today to get a quote!
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Did you know that certain business usage and vehicle types are excluded from personal insurance policies? This is because personal auto policies were not designed for businesses and are written and rated differently.
How do you know if you have purchased enough life insurance? If the goal is to provide income for the rest of your family, we can help you calculate your family's annual expenses to come up with a figure.
Looking for a discount on your homeowner's insurance? If you have an alarm system that reports to a central station, you may be eligible for a 10 percent discount. Being over 50 may make you eligible for a senior or mature policyholder discount.
As the housing market goes through its various cycles of ups and downs, it is a good idea to monitor these trends so you can adjust your homeowner's insurance to meet current values.
When quality homeowners insurance, business insurance, auto insurance, or more are needed, contact our professional and friendly team here at Financial Dimensions LTD today for a quote! Just call 303-424-6868. https://bit.ly/2I1uLke
Most US states require basic auto insurance coverage for their residents. While these vary, the state will most likely require you to include these: bodily injury liability, property damage liability, and personal injury protection.
If you are young, you may not think of insurance. That’s not surprising, but if something should happen to you, you would want the comfort of knowing that your children and spouse would not need to be worried about money at least for a while. Insurance can ensure them that.
Before you buy a new home, learn about the geography in the area. Certain areas that may be located in places with a history of floods, earthquakes, tornadoes, hurricanes, and wildfires may result in higher premiums for the homeowners in those geographical areas.
Do you ever worry that your personal auto insurance may not cover you if you get into an accident while you’re using the vehicle for work purposes? Let’s talk about whether your work usage is enough to justify purchasing a commercial auto policy.
From homeowners insurance to business insurance plans, our agents help find the perfect solution for all of our clients, ensuring affordable rates with suitable coverage. Visit our website today. https://bit.ly/3o3IfzO
Unlike permanent life insurance, a term policy does not include any investment element. Because permanent life insurance guarantees a payout no matter when the insured dies, the premiums are higher than in term policies.
We can help you decide the proper amount of life insurance for your personal situation. Basically, the goal is to replace the amount of money you produce for your family with the proceeds of the life insurance policy.
Financial Dimensions LTD serves individuals in the Denver, area, helping them find insurance plans that are custom-suited to their coverage needs and budget. Call us at 303-424-6868.
Whole life insurance is often considered to be one of the most versatile financial options ever devised. Whole life does far more than simply offer protection for your loved ones when you die. Ask an agent for full details, and experience peace of mind.
Let's say you are worried that you might die before a child's college education is completed in 15 years. If you purchase 15-year term insurance for an amount sufficient to pay for four years of college, you guarantee that college costs will be paid whether you are around or not.
