Mountain Insurance: Longmont

05/26/2026

How to Prevent Construction Site Insurance Claims

Construction is never an inexpensive endeavor. The last thing you need on a job site is costly insurance claims to add to the bill.

05/26/2026

Commercial Auto Claims: The Dos and Don’ts Colorado

With over 10 years of Auto & Commercial Businesses insurance experience in Longmont, Steve works hard to find you the best coverage.

05/12/2026

🏠 Smart Home = Smart Discount? 🤔

You see them online all the time: smart thermostats, video doorbells, leak detectors, even complete home security systems. They look incredible for what they do, and some of them are. 📱🔔

But do they save you money on your homeowners? 💸

The truth is that not all smart devices save you money on your insurance. The next thing to know is that your agency won’t know you have new tech unless you tell them. 🛡️

If you’re thinking about getting smart devices for your home, let’s talk. We can help you choose something that may give you a deal, as well as tell you what won’t. 🤝

Just don’t ask us to help install them. 😅

05/05/2026

🔒 Coverage? Take It (Past) the Limit 🔍

You may have heard us talk about homeowners insurance and how it protects so many of your important, can’t-live-without, life-changing possessions. It truly is a safety net that can catch those things you value most if disaster strikes.

But some of those important items have policy limits, meaning they may slip through the net when you least expect it.

Those items need additional protection, either by listing them on your homeowners coverage directly by “scheduling” them, or by getting a special policy to make sure they're covered. Here are some categories you may want to check for coverage limits:

💍 Jewelry
📱 Electronics
🔫 Fi****ms
🎨 Art
🍴 Silverware

There are more than these that could be limited. The best way to find out is to do a home inventory, then schedule a review with us. We can guide you through what your policy covers and where it needs some help to protect those treasures that make your life, well, your life. 🏠

05/01/2026

🔨 Know Your Home(Owners) Maintenance 🏠

Every home needs some TLC now and then. Home maintenance is an important part of home ownership, and keeping your home in good shape pays you in the end.

Your homeowners insurance policy also needs some regular work, though with a lot less caulking.

The good news is that maintaining your homeowners policy is a lot easier than working on your house. Here are some easy ways to keep your policy fresh and updated:

🔄 Update Updates: Have you updated your home? New bathroom? Kitchen? Home gym? Whatever it is, make sure that it's reflected in your policy.

📋 Count It: Don’t be like that 80s rock ballad, “Don’t Know What You’ve Got (Till It’s Gone).” Make a home inventory so that you know what you have in case of a loss.

👨‍👩‍👧‍👦 More To Lose: If you have more guests on your property, more children to protect, or a home business, you may need more homeowners liability or even business liability on a new policy.

Treat your homeowners policy with the same love and care you treat your home. And call or message us for help. You’re never alone when it comes to insurance. 🛡️

04/27/2026

What is Builder’s Risk Insurance?

Whether your business is involved in construction or specializes in renovations, builder’s risk insurance will keep your assets protected.

04/14/2026

Fleet Insurance Tips for Colorado Businesses

Commercial auto insurance protects your fleet in the event of property damage or bodily injury and helps with legal expenses.

04/03/2026

🛒 What to Ask When Getting a Quote 🛡️

Most people love shopping—unless it's for insurance. 🛍️

The quoting process can seem a little intimidating. Questions, back and forth information, and a result that feels like something you own but don’t really understand how it works. 🤔

That’s why knowing what to ask can help you feel more comfortable about what you get. Try asking these questions for your next quote:

1️⃣ What does this actually cover? What does it NOT cover?
Don’t be surprised by what a policy does and doesn’t do for you. 🔍

2️⃣ What should I choose for my deductible?
Don’t pick a number out of thin air or because it’s cheaper. Find a deductible that fits your situation. 💰

3️⃣ Do I qualify for discounts?
You may be pleasantly surprised by how many discounts exist: bundling, safe driver, claims-free, etc. 🎉

The key to a great quote is honesty and communication. Don’t feel bad if you don’t know insurance. That’s what we’re here for. Put the thing that confuses you the most about insurance in the comments below, and we’ll do our best to answer! 💬

04/02/2026

🔍 When was your last business coverage review? 🏢

You've heard us say that reviewing your business insurance is important. But what do we mean? What kind of information do we need to make sure your business is protected?

Typically, we look for things like:

📈 Whether you’ve grown, hired, or added new services.
🔧 You rely on equipment, tools, or technology that needs updating.
🚚 You use vehicles as part of your business.
❓ You’re not 100% sure what your policy covers.

The good news is that a review doesn’t have to be a four-hour meeting. A quick chat, some emailed documents, and a sigh of relief are usually enough to get us caught up.

Reach out and let us know if you need a review. 🛡️

04/01/2026

📈 Small moments, big risks. 🏢

Running a small business means a steady stream of small moments. Most days aren't filled with big purchases or huge marketing campaigns. Instead, it’s the little things—one phone call, one check-out, or one email—that lead to big things over time.

Claims happen the same way. They usually aren't big or dramatic (though anything is possible). But small things can lead to high costs, like:

💧 A spilled drink left uncleaned, leading to a customer slipping.
💬 A negative comment on a competitor’s social post.
🚿 A small bathroom leak that you forget about.
🔌 An overloaded electrical outlet.

That's why the right business insurance is vital to protecting what you've worked so hard to build. And why regular check-ins help keep your policy up to date. 🛡️