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Our Commitment to You

As an organization we recognize the increased uncertainty that coronavirus (COVID-19) is causing and as of noon 03/13/20 will have all of our staff working remotely until further notice. If you have any insurance needs please leave a voicemail or send an email to service@cissinsurance.com and we will return all emails and voicemails within 24 hours. Thank you for your patience during this time.

AUTO INSURANCE

Liability only? Full coverage? How do I choose

This is always a tricky question and varies based on the customer themselves. When our clients ask whether they should carry full coverage auto insurance or liability only, we always respond back with the question “how much do you feel your car is worth?” Then we follow that question up with “if you were to get in an accident and wreck your car tomorrow, what would that amount of money be worth to you?” These two questions help the client realize the best coverage option themselves. Always keep in mind that if you have a loan on your vehicle, your finance company is probably going to require you carry full coverage insurance With that full coverage requirement the comprehensive and collision deductibles typically can’t exceed $1,000.

TOY INSURANCE

How should I insure my motorcycle?

We always recommend that you insure your motorcycle with the exact same coverage that we recommend on your auto policy. 250/500 in liability, $100,000 in property damage, $5,000 in medical payment, 250/500 in uninsured motorist coverage and of course comprehensive and collision deductibles based on your needs. The state of Colorado says that your medical and uninsured motorist coverage technically extends from your underlying auto policy to your motorcycle policy and this is true. What most agents will neglect to tell you though, is this coverage does not extend to any passengers that could ride on your motorcycle which is a very scary thought. That is why we always recommend our clients carry these important coverages on their motorcycle policy.

HOME INSURANCE

Does the value of your home dictate dwelling coverage?

It plays a factor, but is not the determining one. Your dwelling coverage is mostly dictated on a price per square foot guideline based on the above ground square footage of your home. That could range from $120/sq. ft. if your home is fairly basic in finish to $250/sq. ft. and up if your home is very customized. Something to keep in mind is dwelling coverage does not include your land value because that does not play a factor in having to rebuild your home in the event of a loss. This is where value of your home and dwelling coverage could greatly differ.

UMBRELLA POLICY

Extra protection where you need it

When you need the comfort of extra protection, Colorado Insurance is happy to step in and offer an umbrella policy. We work with many companies that are able to add at minimum an additional million dollars’ worth of liability coverage above and beyond your existing policy limits. This typically low-cost coverage comes at a rate of a couple hundred dollars or less per year and offers priceless peace of mind. Going the distance to protect you, your family and your assets are our main priority. Give us a call and we can discuss your options.

AUTO INSURANCE
Liability only? Full coverage? How do I choose

This is always a tricky question and varies based on the customer themselves. When our clients ask whether they should carry full coverage auto insurance or liability only, we always respond back with the question “how much do you feel your car is worth?” Then we follow that question up with “if you were to get in an accident and wreck your car tomorrow, what would that amount of money be worth to you?” These two questions help the client realize the best coverage option themselves. Always keep in mind that if you have a loan on your vehicle, your finance company is probably going to require you carry full coverage insurance With that full coverage requirement the comprehensive and collision deductibles typically can’t exceed $1,000.

TOY INSURANCE
How should I insure my motorcycle?

We always recommend that you insure your motorcycle with the exact same coverage that we recommend on your auto policy. 250/500 in liability, $100,000 in property damage, $5,000 in medical payment, 250/500 in uninsured motorist coverage and of course comprehensive and collision deductibles based on your needs. The state of Colorado says that your medical and uninsured motorist coverage technically extends from your underlying auto policy to your motorcycle policy and this is true. What most agents will neglect to tell you though, is this coverage does not extend to any passengers that could ride on your motorcycle which is a very scary thought. That is why we always recommend our clients carry these important coverages on their motorcycle policy.

HOME INSURANCE
Does the value of your home dictate dwelling coverage?

It plays a factor, but is not the determining one. Your dwelling coverage is mostly dictated on a price per square foot guideline based on the above ground square footage of your home. That could range from $120/sq. ft. if your home is fairly basic in finish to $250/sq. ft. and up if your home is very customized. Something to keep in mind is dwelling coverage does not include your land value because that does not play a factor in having to rebuild your home in the event of a loss. This is where value of your home and dwelling coverage could greatly differ.

UMBRELLA POLICY
Extra protection where you need it

When you need the comfort of extra protection, Colorado Insurance is happy to step in and offer an umbrella policy. We work with many companies that are able to add at minimum an additional million dollars’ worth of liability coverage above and beyond your existing policy limits. This typically low-cost coverage comes at a rate of a couple hundred dollars or less per year and offers priceless peace of mind. Going the distance to protect you, your family and your assets are our main priority. Give us a call and we can discuss your options.

NEED HELP?

720.283.1722

REQUEST A CALL

Kate Petree went above and beyond to find me a better policy for both my home and auto. I appreciated her knowledge and how she was able to explain the benefits, etc. of my policies. On a side note, I work in a real estate office and she also quickly assisted a client of mine with his policy. Greatly appreciated!

Shawn Jaeger on the business team is THE best! I’ve shopped around a ton for insurance and he has beat the pricing and the coverage hands down! The best part is that he genuinely cares and listens to your needs. With our company we are creating a scaling plan and he is not only quoting to help provide forecasting info for us, he is also helping make a plan based off our needs. Great family guy, honest, and helpful. I’m super pleased and highly recommend. Thanks Shawn!

What a great experience. They gave me several options with different companies and did an outstanding job explaining the differences. Most companies just sell you their own companies policy. I was able to get a great policy that was within my budget.

Disclaimer: Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, email, voice mail, fax nor any social media page. No binder, insurance policy, change, addition, and/or deletion to insurance coverage will go into effect until confirmed directly by a licensed agent.

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7901 Southpark Plaza #110,

Littleton, CO 80120

8am-5pm Monday - Friday

CONTACT US

720.283.1722

Fax: 720.283.1726

Service@CissInsurance.com

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