Your Business Is Not Our Only Concern

Wanting to save money on your Home and Auto insurance is always important. However cutting corners on cost may leave you, your family, or your assets at risk. We can help guide you through a review of your policies and help tailor the right coverage for your specific needs.

Our Personal Lines coverages include:

  • Collector Vehicles
Collector vehicles include antique or classic cars, exotics, street cars, customs, and kit cars. Specialty Classic Car Insurance is available for these types of vehicles including restorations in process. Often these policies will offer Guaranteed Value policies to cover the stated value of a collector vehicle.
  • Disability

    Individual disability insurance can be used by those who do not have employer-provided benefits or are self-employed. This type of policy often can replace a percentage of your gross income should sickness or illness prevent you from earning an income in your occupation. It may include coverage for both short-term and long-term benefits. This type of coverage is NOT the same as Worker’s Compensation.

  • High Value Homes
Many standard homeowner insurance policies exclude homes valued over $1million dollars. Specialty Homeowner Policies are specifically designed to offer coverage that isn’t available in the standard market.
  • Landlord Property
Owning rental investment property can be a great opportunity for additional income. However these policies usually carry different types of coverages and limits. For example, a tenant-occupied property does not require you to carry contents coverage but you should have comprehensive property and liability protection at higher limits. Additionally, it is recommended that your tenant carry their own contents policy, also known as a a Renters Policy.
  • Long Term Care (LTC)

The cost for nursing home care, assisted living, hospice care, and in-home care is rising. Prepare for these financial needs with a LTC Policy. Premiums are reasonably priced when purchased before your mid-60’s. If you are self-employed, a partner in a company, or own and LLC, your tax advisor may also be able to suggest strategies for tax deductions.

  • Seasonal Property
Seasonal homes demand specialized coverage because they are typically used as a secondary residence or maybe even a rental investment. Dwelling Property (DP) policies address the uniqueness of seasonal properties and are insured differently than a standard homeowner policy.

 Call today for a FREE insurance Review!

Phone: (303) 278-2278

Fax: (720) 457-9484


California License Number 0H8535

We can help you bring security home.