For many of us, insurance policies for the home, auto, and life are just more stacks of paperwork to sign and date. After hearing two local insurance agents' sentiments on home protection, life insurance, and the recent Marshall Fire, those stacks of paper seem exponentially more important to review and fully understand.
To break down what should be included in your insurance coverage, we talked with Andrea Romero and Katie Lorsbach of Country Financial. We started by asking them what the core role of insurance is.
Speaking of the Country Financial Representatives, Andrea says, "(We) make promises to make you whole again and uphold that promise time and time again." Their value proposition is to ensure that their clients are properly covered, with a promise of high value to separate themselves from the stigma of cheap insurance providers. At Country Financial, Andrea and her colleagues understand that their job is to educate and make sure there are not any gaps in coverage.
Andrea and Katie recommend asking yourself whether you are properly covered, and they suggest doing insurance reviews at least once a year. Are there any gaps in your coverage? Is there enough dwelling coverage to rebuild? Are your valuables such as jewelry and guns covered? Are you aware of whether your auto insurance is full coverage or liability? These are the questions that so often push people to take their insurance seriously.
Regarding life insurance, Andrea says it is always better to be prepared, rather than putting it off until you are already hurt or ill. She says, "You are never younger or healthier than you are today."
She also mentioned the dependence on workplaces for health and life insurance rather than opting for the personal insurance route. Many Colorado residents who were displaced from their work throughout the pandemic lost their benefits along with their positions. That meant they had no life or health insurance in the face of a fatal event. With the instability of many businesses during these trying times, Andrea and Katie suggest you opt for personal insurance so that coverage is not dependent upon employment.
The representatives at Country Financial understand that proper home coverage is not the same for everyone, which is why they host a number of coverage options to fit your personal needs. Take a look at Country Financial’s home insurance coverage levels on their website at countryfinancial.com, or give them a call at (866) 268-6879 to speak with one of their knowledgeable representatives.
