Bassett Insurance Group

09/02/2026

If a carrier ever told you your dog's breed was the problem, that's no longer allowed in Colorado.

State law now bars insurers from refusing, cancelling, non-renewing, or surcharging based on a dog's breed — and it names renters contents policies specifically, not just homeowners. It applies to policies issued or renewed since August 2025.

A dog individually declared dangerous can still be underwritten. The breed by itself can't.

Moving into one of the new pet-friendly buildings? Let's talk. 303-776-7676.

08/28/2026

Unity in the Community is downtown tonight — 4th & Kimbark, 4 to 8, free.

A hundred-plus Longmont businesses and nonprofits, live music, and the best people-watching of the month. If you've been meaning to get a handle on what's actually happening in this town, this is the shortcut.

Go.

08/28/2026

The Mustang you drove in high school is officially a classic now.

Hagerty just published the numbers on 1994–2004 Mustangs: values up more than 50% since 2020 — and cars like these can now qualify for Hagerty's collector car program.

Here's why that matters: a standard auto policy pays depreciated value after a total loss. Collector coverage pays a value you agree to up front, depending on the policy.

Quote online through our Hagerty partnership: https://www.bassettinsurancegroup.com/classic-car-insurance/ — or call 303-776-7676.

Insure your classic car with Hagerty through Bassett Insurance Group in Longmont, CO. Get Guaranteed Value™ coverage — free quote today.

08/27/2026

In a brand-new apartment building, the biggest threat to your stuff isn't a burglar. It's the washing machine one floor up.

Sudden water from a neighbor's unit is a standard covered peril on most renters policies. Yours pays out while the two carriers argue about who owed what — and that argument can run for months.

The same policy usually covers somewhere to stay if the unit is unlivable for a stretch. Worth knowing what your loss-of-use limit actually is.

303-776-7676.

08/25/2026

The GC won't let you on the job until you send a certificate of insurance. Here's what that actually is.

A COI is a one-page proof that your liability coverage exists, who it covers, and what the limits are. It isn't the policy. It's the receipt.

Most Longmont trades get asked for one three or four times a year — new GC, new property manager, city permit. If yours takes days to produce, that's a sign the setup needs a look.

Ours go out same day. 303-776-7676.

08/24/2026

Two names on the lease. One renters policy. That math doesn't work.

Most policies cover the person named on them plus relatives in the household. An unrelated roommate is neither — so their policy generally isn't doing anything for your belongings or your liability.

Some carriers will add a roommate. Plenty won't. Separate policies are usually cleaner anyway, since you're not splitting a deductible with someone who might move out in June.

Signing a two- or three-bedroom this fall? Worth five minutes. 303-776-7676.

08/21/2026

Six weeks of good riding left, give or take.

Late August into September is the best stretch of the year for the Peak to Peak — cool mornings, storms mostly done, aspens about to turn. If you've been putting the ride off, this is the window.

Two things worth checking before you go: whether your policy covers a passenger, and whether your gear is covered if the bike goes down.

A lot of riders assume both. Depending on the policy, neither one is automatic.

Ride safe. 303-776-7676.

08/20/2026

Your new lease says to name the landlord on your renters policy. That doesn't mean handing them your claim.

Leases ask for one of two things. Additional interest just means the property gets notified if your policy lapses — no claim rights. Additional insured is a different animal, and it's rarely what a landlord actually wants.

Most apartment leases want the first. Plenty of renters read it as the second and stall out.

Just signed at one of the new buildings in Longmont or Loveland? Send us that page. 303-776-7676.

08/18/2026

If your home insurance uses a wildfire risk score, you're now entitled to see it — and to challenge it.

A Colorado law that took effect July 1 requires insurers using wildfire risk models to tell you your score when it factors into your pricing, renewal, or non-renewal. They also have to show what mitigation discounts are available and give you a way to appeal.

That matters here. Work you've already done — defensible space, roof material, cleared gutters — may not be reflected in the score.

Worth asking about. 303-776-7676.

08/14/2026

Here's what "we'll shop it for you" actually looks like on our end.

We start with your current declarations page — not the price, the coverage. Limits, deductibles, endorsements, what's excluded. Then we take that same coverage out to the carriers we work with and see who wants it.

Sometimes the answer is "stay where you are." We say that too.

It's Charlotte or me on the phone. Same person at renewal, same person if you ever have a claim.

303-776-7676.