Your Trusted Property & Casualty Independent Insurance Agent
Premier Wealth Concepts, LLC
PO Box 271129, Littleton CO 80127
[email protected] | (303) 819-6685
“If you don’t know where you’re going, any road will get you there.”
Nothing gets your attention like adding a teenager to your Auto policy!
I’ve chosen to remain a Property & Casualty Independent Insurance Agent because it’s THE foundation to a well strategized Family Financial Plan.
Without prudent coverage, your Family Financial plan can implode.
I’ve seen what financial devastation does to a family when they don’t have adequate protection. I’ve seen it as a claims adjuster, as an agent, and unbearably to friends.
I survey a lot of prospects. These are some of the biggest mistakes I see:
Homeowners: 99% of households don’t have a detailed record of household inventory!!! Schedule 30 minutes with your spouse or children. Use your smartphone to snap photos or video while walking through each room, include closets, dresser drawers, open cupboard doors, under sinks, you get the picture. Don’t forget the attic, crawlspace and garage for stored items. Keep copies of your inventory in separate places like in a cloud on your computer, at a relative’s house, or in a fire proof safe!
Only look at Dwelling Coverage and premium when comparing your policies! If 99% of the time we find areas of coverage that need to be improved upon, then we invite you to meet with us for a 2nd opinion. There are a dozen or more optional coverages that need to be addressed in order to be sure you have adequate coverage for your unique needs.
Being Overinsured or Underinsured. If your Dwelling Coverage is too low, you’ll risk being penalized at claim time. If your Dwelling Coverage is too high, you’re paying too much premium. We show you how to Maximize your Coverage and Minimize your Premium.
Going “Direct”. If you call an insurance companies “Direct” 800#” to obtain insurance policies, I can say with certainty, you’ll likely regret it. There’s no one-person to invest in getting to know you and your unique needs. The representative that takes your call likely has no experience in the field as either a claim’s adjuster or an agent.
As a single mom, I find it so valuable to have A PLAN for in the event of a minor “URGENT” matter such as a:
- Roof leak
- Plumbing failure
- Furnace goes out
- A/C stops working
Suggestion: In your smartphone, store contacts under “Urgent” (not Emergency)
- Urgent Electrician
- Urgent Plumber
- Urgent Roto Rooter
- Urgent Roofer
- Urgent Restoration Company
- Urgent Tow Truck
- Urgent Claims # for Auto Carrier
- Urgent Claims # for Homeowners Carrier
Reserve “EMERGENCY” for Life or Death Situations like ICE – “In Case of Emergency” call Mother, Father, Sister, Husband. First responders look for ICE programmed into your phone.
Auto policies have their own uniqueness, from adequate Bodily Injury & and Uninsured Motorist Limits, to how a car is titled and how it’s being used. If 95% of the time, following an “Insurance 101” discussion with a new prospect, it’s clear the prospect needs and wants more coverage, wouldn’t it be beneficial to have a second opinion? We’re here to help protect your assets and your family!
