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Winter Storms Are Coming. Is Your Home Protected?Winter weather can bring more than snow and freezing temperatures. Heav...
09/30/2026

Winter Storms Are Coming. Is Your Home Protected?

Winter weather can bring more than snow and freezing temperatures. Heavy rain, snowmelt, storm runoff and drainage can create water damage—and many homeowners are surprised to learn that standard homeowners insurance typically does not cover flood damage.

Flooding Doesn’t Just Happen in Flood Zones

Flooding can result from:
• Heavy rainfall
• Flash flooding
• Storm runoff
• Drainage problems
• Water flowing from hillsides or burn-scar areas
• Rising water from nearby rivers or streams

Flooding can happen outside high-risk zones.

Before winter weather arrives, ask yourself:

✔️ Do I have coverage for flood damage?
✔️ Could my household absorb the financial impact of a flood?
✔️ Has my area experienced heavy rain, runoff or flooding?
✔️ Do I understand what my homeowners policy does—and does not—cover?

One important consideration: flood insurance may have a waiting period before coverage becomes effective. Waiting until a major storm is approaching could mean it’s too late.

Now is a good time to review your coverage and understand your options.

As a Farmers Insurance agent, I can help you review your flood exposure, explain available options, and discuss coverage limits and costs.

📩 Message me for a flood coverage review. Be prepared before the next storm arrives.

Insurance Can Be A Lot to Take In.Have you ever received an insurance proposal and thought, “I have no idea what this ev...
09/28/2026

Insurance Can Be A Lot to Take In.

Have you ever received an insurance proposal and thought, “I have no idea what this even means”?

I get it. Insurance policies are filled with coverage limits, deductibles, endorsements, exclusions, and terms that aren't always easy to understand.

That’s why reviewing your insurance shouldn’t just be about looking at the premium.

It’s about understanding what you’re paying for—and what happens when you need to use it.

When reviewing your policy, ask:

✔️ What exactly does my policy cover?
✔️ What are my deductibles?
✔️ Are there important exclusions I should know about?
✔️ Have my coverage needs changed?
✔️ Are there gaps I may not be aware of?
✔️ Do I understand what my liability limits actually protect?

Whether it's your home, auto, business, or life insurance, you shouldn't feel like you have to figure it all out on your own.

Ask questions. That's what your insurance agent is there for.

If you've received a proposal or policy review and aren't sure what it all means, take the time to ask questions and have someone walk through it with you.

Insurance should be understandable—not overwhelming.

Life Insurance at Work: Is It Enough?It’s Life Insurance Awareness Month, so here’s a question worth asking:Do you have ...
09/25/2026

Life Insurance at Work: Is It Enough?

It’s Life Insurance Awareness Month, so here’s a question worth asking:

Do you have life insurance through your employer?

If you do, that’s a valuable benefit—but have you considered whether it would actually be enough for your family?

Employer-sponsored life insurance can be an important part of your financial protection. But there are a few things to consider:

How much coverage do you have?
Your employer may provide a set amount or a multiple of your salary.

What happens if you change jobs?
Depending on the plan, your coverage may not follow you when you leave.

Has your life changed?
Marriage, children, a mortgage, starting a business, or other major changes can affect your coverage needs.

Do you have coverage outside of work?
An individual policy can provide additional protection that isn’t tied to your employment.

Your employer’s life insurance may be an important piece of the puzzle—but it may not be the whole picture.

This Life Insurance Awareness Month, take a few minutes to review your benefits and understand what you actually have.

Not sure what your coverage means or whether it fits your situation? I’m happy to help you review it.

No pressure. Just information to help you make an informed decision about protecting the people who matter most.

Electric Bikes Are Everywhere—But Is Yours Insured?E-bikes have become a popular way to get around town, explore trails,...
09/23/2026

Electric Bikes Are Everywhere—But Is Yours Insured?

E-bikes have become a popular way to get around town, explore trails, and enjoy a little extra boost on your ride.

But here’s something many e-bike owners don’t think about:

Your homeowners or renters insurance may not provide the coverage you expect.

An e-bike can be a significant investment, and depending on the type of bike, how it’s used, and the policy you have, coverage can vary.

Before you hit the trail, consider:

Damage or theft — What happens if your e-bike is stolen or damaged?

Accidents — What if you’re involved in an accident and someone is injured or property is damaged?

Your investment — Does your current policy provide enough coverage for the bike and its equipment?

And if you’ve added an e-bike to your garage this year, don’t assume it’s automatically covered just because you have homeowners or renters insurance.

A quick conversation with your insurance agent can help you understand what your current policy does—and doesn’t—cover.

Because the last thing you want after a great ride is an unexpected insurance surprise.

Have an e-bike? Send me a message. Let’s talk about your coverage before you take it out for the next ride.

Workers’ Comp: It’s About More Than Checking a BoxYou started your business because you’re good at what you do—not becau...
09/21/2026

Workers’ Comp: It’s About More Than Checking a Box

You started your business because you’re good at what you do—not because you dreamed of learning everything there is to know about insurance.

But once you have employees, protecting your team becomes part of protecting your business.

Workers’ compensation can help when an employee is injured or becomes ill because of their work. Depending on the situation and applicable state requirements, it may help with medical expenses and lost wages.

And here’s the part many business owners overlook:

Workers’ comp isn’t just about the employee. It can also help protect the business when something goes wrong.

Whether you have one employee or a growing team, it’s important to understand:

✔️ What your state requires
✔️ Who needs to be covered
✔️ What happens when an employee is injured
✔️ How payroll affects your premium
✔️ Whether your current coverage still fits your business

Your business changes as you grow. Your insurance should grow with it.

If you’re hiring your first employee, adding to your team, or haven’t reviewed your workers’ comp coverage recently, let’s talk.

I’ll help you understand what you have, what you may need, and how it fits your business.

Because taking care of your team is good business. ❤️

Teen Drivers: The Moment Parenting Gets Really Interesting!If you’ve ever had a teenager learning to drive, you know the...
09/17/2026

Teen Drivers: The Moment Parenting Gets Really Interesting!

If you’ve ever had a teenager learning to drive, you know the passenger seat routine:

“Slow down.”
“Watch the car.”
“Use your blinker.”
“PLEASE USE YOUR BLINKER!” 😂

As a mom of two daughters, I vividly remember the nerves that came with having teenage drivers. Handing over the keys felt like handing over a tiny piece of my sanity!

But learning to drive is about more than passing a test. It’s learning responsibility.

I wanted my daughters to understand that owning a car comes with real expenses, so I had them contribute toward their insurance.

Before your teen gets behind the wheel, talk about:

Insurance: Make sure they’re properly listed and understand their coverage.

Distractions: No text, notification, or playlist is worth taking your eyes off the road.

Accidents: A crash can affect more than just the car.

Responsibility: Driving is a privilege—and a big responsibility.

Parents, talk to your insurance agent before your teen starts driving. Adding a young driver can significantly affect your premium, so understand the changes ahead of time.

Driving lessons may test your patience, but they’re also an opportunity to teach independence.

And if you’re currently sitting in the passenger seat with a brand-new driver…

Deep breaths. You’ve got this!

September is Life Insurance Awareness MonthLet’s be honest—life insurance isn’t exactly the most exciting thing to talk ...
09/15/2026

September is Life Insurance Awareness Month

Let’s be honest—life insurance isn’t exactly the most exciting thing to talk about.

No one wakes up thinking, “Today feels like a great day to review my life insurance!”

But as a mom, a business owner, and someone who helps families protect what they’ve worked so hard to build, I’ve learned that life insurance is really about one thing:

Making sure the people you love have options if you’re no longer here.

It can help:
✔️ Replace lost income
✔️ Pay off a mortgage or other debts
✔️ Help fund education
✔️ Protect a business
✔️ Cover final expenses
✔️ Provide financial stability

And here’s something many people don’t realize: your life insurance needs can change as your life changes.

Marriage. Kids. A new home. A growing business. Paying off debt. Becoming an empty nester. Retiring.

The policy that made sense 10 or 20 years ago may not be the policy—or amount—you need today.

Life insurance isn’t about planning for the worst.

It’s about protecting the people and things that matter most if the unexpected happens.

If you haven’t reviewed your coverage recently, Life Insurance Awareness Month is a great reminder to take a look.

Have questions about your coverage or options? Send me a message. I’d be happy to have a conversation—no pressure, just information.

How Much You Save Matters. How You Use It Matters TooWhen we think about retiring, the conversation often starts with on...
08/19/2026

How Much You Save Matters. How You Use It Matters Too

When we think about retiring, the conversation often starts with one question:

“How much money do I need?”

But there’s another question that may be just as important:

“How will I turn my savings into income?”

Planning for our golden years involves more than building an account balance. You also need to think about:

How much income will you need each month?
When will you begin Social Security?
How will you manage taxes?
Which accounts should you draw from first?
How will you handle market volatility?
How will healthcare and other unexpected expenses affect your plan?
What happens if you live longer than expected?

Two people could retire with the same amount of savings and have very different outcomes depending on how they manage those assets.

The goal isn't simply to accumulate money. It's to create a strategy for turning the resources you've built into income that supports the lifestyle you envision.

📞 If you're approaching your leisure phase—or already retired—it may be worth reviewing not just what you've saved, but how your savings are expected to work for you.

Saving for your golden years is step one. Creating an income strategy is another important part of the conversation.

Workers’ Compensation Is More Than a Requirement.Many business owners think of workers’ compensation as simply another i...
08/17/2026

Workers’ Compensation Is More Than a Requirement.

Many business owners think of workers’ compensation as simply another insurance requirement. But it’s much more than that.

Workers’ comp is designed to help protect your employees and your business when a workplace injury or illness occurs.

Imagine an employee is injured while working. Depending on the situation, there could be medical treatment, lost wages, rehabilitation, and time away from work.

Workers’ compensation can help provide benefits for covered workplace injuries while also helping protect your business from the financial impact of those claims.

For business owners, there are other important questions to consider:

✔️ Are all of your employees properly classified?
✔️ Are you using the correct payroll and class codes?
✔️ Are you paying for coverage that accurately reflects your operations?
✔️ Have you reviewed your policy as your business has grown or changed?

Your business isn't the same as it was five years ago—and your workers’ compensation policy shouldn't be treated like a “set it and forget it” policy.

Whether you have one employee or a growing team, taking time to review your coverage can help you understand what you have and identify potential gaps.

📞 Have questions about your workers’ compensation coverage? I'd be happy to review it with you.

Do You Know What Your Auto Policy Says About UM/UIM?If I asked you what your Uninsured/Underinsured Motorist (UM/UIM) co...
08/14/2026

Do You Know What Your Auto Policy Says About UM/UIM?

If I asked you what your Uninsured/Underinsured Motorist (UM/UIM) coverage is, would you know?

Most people don't—and it's one of the coverages every driver should understand.

Uninsured Motorist (UM) coverage can help protect you if you're injured by a driver who doesn't have insurance.

Underinsured Motorist (UIM) coverage can help if the at-fault driver has insurance, but their limits aren't enough to cover your injuries and damages.

Here's a real-world example:

You're seriously injured by another driver. They carry only minimum liability limits, but your medical bills, lost wages, and other expenses exceed what their insurance will pay.

Who pays the difference?

That's where your own UM/UIM coverage may become incredibly important.

Colorado does not require drivers to carry UM/UIM coverage, but you can choose to purchase it.

Ask yourself:
✔️ Do I have UM/UIM coverage?
✔️ What are my limits?
✔️ Are they enough to protect me and my family?
✔️ Do I understand how my coverage works?

📞 If you haven't reviewed this coverage recently, I'd be happy to explain your options.

You can't control whether the other driver has enough insurance. You can control how you're protected.

Address

7878 W 80th Place Ste 2C
Arvada, CO
80005

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+13032256986

Website

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