EPS Insurance

Credit: www.vlipsy.com “I’m an excellent driver.” That's nice to know, Rain Man. But not everyone else is. And what if you are hit by one of them and it turns out that they have no insurance? This is why uninsured motorists' coverage (UM) is so important. Or, what if they only have the state minimum limits? (Most states require a $25,000 per person minimum limit. You can burn right through this on an ambulance ride.) This is why underinsured motorists coverage (UIM) is so important. Certain states, such as Colorado, combine the two. Others, such as Arizona, list UM and UIM as separate line items. Other states simply list both coverages as UIM. No matter how your state labels it, NEVER PLAY GAMES WITH UM/UIM! You’re driving along minding your own business and obeying all the rules and, through no fault of your own, you sustain injuries. What will your policy do? This is where UM/UIM kicks in. UM/UIM pays for: ·          Medical bills. ·          Lost income

Helping a client buy or refinance a home is a most rewarding process but also a very stressful one for everyone involved. In order for the client to have the best possible experience, numerous people have to perform their jobs with a very high degree of precision and professionalism. In order to do this, every participant in the process has to gather a unique set of information directly from the client. The realtor needs to meet with the client and do a detailed analysis of the clients’ needs, wants, and dreams. The mortgage person needs to gather an astounding amount of financial information and guide the client through the maze of the qualification process. The inspector and the appraiser need to “white glove” the house physically in order to provide the client, realtor, and lender with the necessary information about the structure and value of the house. Gratuitous photo of Dodger Stadium Credit: www.dodgersway.com But, for some reason, people think the insurance agent can do

  Food delivery, just like ride-sharing, Airbnb, and VRBO, is a very common side hustle nowadays. And for many people, it can be very lucrative. However, just as with about anything else in your life, you need to make sure you are insured properly. Between the time your phone lights up with a request and the time you reach your customer’s house, your personal car insurance WILL NOT cover you . If you are in an accident while doing food delivery, and your insurance company finds out, it can result in either the denial of a claim and/or the cancellation of your policy. Also, you could have a claim that has nothing to do with delivery, e.g., hail damage. Or you could be in an accident while you are on the way home from your shift with your delivery app turned off. If the adjuster sees, say, a Grubhub bag in your car and starts asking questions, you could be in for a most unpleasant surprise. What will the extra coverage cost? I don’t know for sure as it will depend on the carri

Credit: www.knockoffdecor.com Remodeling your home is a great thing for many reasons. Just know, however, that when you remodel, you increase the cost to repair and rebuild should there ever be a serious loss. This is why, should you remodel, you need to review and make the appropriate updates on your insurance. This is just one of the excellent points my friend Paul Olthoff makes in this short but   very important article . Paul is a Denver-area native who has over 30 years of experience helping people buy, sell, and invest in Colorado real estate. His experience and knowledge are beyond extensive. Call Paul at 303-521-7223. Email him at paul@coloradohometeam.us . 30+ carriers ... 40+ states Auto-home-commercial-benefits 303-902-5503 epsinsures@gmail.com Powered by  www.tagins.net  & xperiencebenefitscolorado.com

Credit: www.press-herald.com ALWAYS make sure there is a paper hard copy of proof of insurance in your glove box and not just a digital file on your phone. This applies even if the vehicle is rented. NEVER give your phone to a cop. And I am not “anti-cop”. When cops are properly arresting violent criminals, I am their number one supporter. And if all the cop does is look at your digital proof of insurance that is one thing. However, your phone contains a veritable cornucopia of personal information. And if a cop starts thumbing around on your phone you waive a lot of your Fourth Amendment privacy protections. Even though many police departments forbid this practice, cops do occasionally overstep their bounds. You don’t want to jeopardize your rights. And I have been falsely accused by one of Aurora, Colorado’s finest. On the night of January 30, 2020, I was at fault in a small accident. I was driving a rented vehicle and unbeknownst to me, Hertz – I won’t change the name to prot

Credit: Channel 7 in Denver and the USGS A magnitude 3.8 earthquake struck Baca County in southeastern Colorado early this morning. And did you know that the most powerful earthquakes ever recorded in the continental United States were the New Madrid quakes in 1811-1812 in southeastern Missouri? They changed the course of the Mississippi River and were felt as far away as Boston and Montreal! An earthquake can happen anywhere. However, earthquake damage is not covered by standard homeowners’ insurance. It must be added by endorsement! To find out more, please call me.   30+ carriers ... 44 states Auto-home-commercial 720-675-8119 epsinsures@gmail.com Powered by  www.tagins.net

  George Carlin always saw the picture in 4D. Even if you don’t have much STUFF , you still need renter’s insurance. If God forbid, you are ever accused of starting a fire, renter’s insurance can cover your liability. Some carriers offer $1 million.  The liability coverage can pay if someone is injured when visiting you.  If there is water or sewer backup in your apartment, the complex's policy may not cover the damage. The same goes for any landlord's insurance, even if you are renting a room from a friend. It pays for loss of use if you are ever put out of your dwelling due to a fire or a pipe bursting. This can include renting another room or apartment and other related expenses.  Even if you have family in the neighborhood, you will most likely have unexpected incidental expenses.  Even If you are renting a room from a friend, there is a very good chance that their homeowner’s policy will not cover your belongings, liability, loss of use, etc.  Point 6 also applies if yo

Always have your insurance carrier's app, claims number, and customer service number in your phone. Your agent may be the greatest guy on earth - I'd like to meet him - but he can't always be at his desk 24/7. And there are certain things he just can't do. In the event of a claim, it is very often wise to talk to your agent first. However, he cannot tell you exactly what the carrier will do to resolve the claim. If your agent has a book of any significant size, he may not even know who your carrier is, let alone your coverage levels. Very often, your carrier will need to talk to you, the client, directly. Recently, a client replaced one car with another. Their particular carrier required that the client contact them directly . They would only speak to the client in this situation, not the agent. I hope this helps simplify your life. 30+ carriers ... 30+ states Auto-home-commercial Doug Newman 303-902-5503 epsinsures@gmail.com  - www.epsinsures.info Powered by TAG Insur

  Why do we ask so many questions in the insurance business?  Because there is often a yuuge gap between what a website says something is, or what a realtor or client says it is, and what the actual risk is in real life. Don't just get a quote. Learn why we do what we do and what it means TO YOU!  Please contact me. 30+ carriers ... 44 states Auto-home-commercial 720-675-8119 epsinsures@gmail.com Powered by  www.tagins.net