http://www.thinkpremierfirst.com/blog/View Premier Group Insurance's Website Blogen-uspostmaster@www.thinkpremierfirst.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:4a6673c7-8758-466c-bd06-0e7b89d4a216urn:uuid:39c98f26-2bf6-4014-bb2e-e3f0268dc767<img src='http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/iStock_000017537835Small.jpg' align='left' />When you are shopping for auto insurance, you&rsquo;re bound to run into countless ads for cheap auto insurance coverage. Why get a cheap policy when you can go for a better option, an auto insurance policy that is affordable? Cheap and affordable m...Fri, 20 Jan 2012 12:13:01 -0600<img style="width: 300px; margin-bottom: 10px; float: right; margin-left: 10px;border: 0px solid;" alt="Colorado Car Insurance" src="/img/~www.thinkpremierfirst.com/iStock_000017537835Small.jpg" />When you are shopping for auto insurance, you&rsquo;re bound to run into countless ads for cheap auto insurance coverage. Why get a cheap policy when you can go for a better option, an auto insurance policy that is affordable?<br /> <br /> Cheap and affordable may seem like insignificant distinctions, but the gulf between the two could not be wider.<br /> <br /> <strong>The Problem with some &ldquo;Cheap&rdquo; Insurance</strong><br /> <br /> Cheap insurance is the kind of policy one gets just to satisfy state regulators. It has minimal coverage for bodily injury and property damage liability, the minimum required for personal injury protection, and deductibles so high that your savings account would weep if it had tear ducts. Often, the limits required are not high enough to actually cover the average dollar amount of claims in your area and since you have no protection for collision or comprehensive, there is no mitigation for damages your car endures during an accident. Between the lack of real, meaningful coverage offered by these policies and the sky-high deductible, the premium is cheap.<br /> <br /> <strong>The Benefits of Affordable Protection</strong><br /> <br /> Affordable policies, on the other hand, offer meaningful benefits at a price that fits easily within the confines of your budget. They protect you against realistic costs for bodily injury and property damage liability, provide enough personal injury protection to shield you from damages, and also give collision and comprehensive benefits that protect you from the financial damages associated with fire, theft, accident and more; something a cheap policy wouldn&rsquo;t dream of doing. Finally, affordable policies protect policyholders against damages caused by uninsured or underinsured drivers. Sometimes, you can even create an affordable policy with additional protections, such as loss of use.<br /> <br /> In addition, affordable policies have deductibles that are reasonable. They help reduce the premiums by shifting some of the risk onto the policyholder, but they are figures that a policyholder can afford. People often forget that deductibles on auto insurance policies are per incident, not per year. A high deductible could spell trouble for a policyholder&rsquo;s financial goals if they have more than one incident in a year. Low limits don&rsquo;t actually stop you from being liable for damages you cause, they simply limit the insurance company&rsquo;s responsibility to pay. You must pay out-of-pocket for anything that exceeds them. <br /> <br /> When you work with the agents at <strong>Premier Group Insurance</strong> for your auto insurance needs, we create a policy that&rsquo;s affordable. A policy that offers you and your family meaningful protection with premiums that fit your budget. Give us a call for your free&nbsp;<a href="http://www.thinkpremierfirst.com/colorado-car-insurance/default.aspx" title="Colorado Car Insurance" target="_self">Colorado Car Insurance</a> quote today. <br /> <br />urn:uuid:f3528196-79ff-4a57-b96f-5f1dd7086568<img src='http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/iStock_000004801707XSmall.jpg' align='left' />As a business owner, there are many people depending on you. Your family relies on you to provide for them and help meet all the financial obligations you share; your employees rely on you to give them work and pay them for their time; your business ...Thu, 15 Dec 2011 12:41:53 -0600<img style="width: 200px; margin-bottom: 10px; float: right;border: 0px solid;" alt="Business Insurance" src="/img/~www.thinkpremierfirst.com/iStock_000004801707XSmall.jpg" />As a <a href="/business/bop_quote.aspx">business owner</a>, there are many people depending on you. Your family relies on you to provide for them and help meet all the financial obligations you share; your employees rely on you to give them work and pay them for their time; your business partners and shareholders need you to keep the business running and profitable; and your clients and customers rely on you to continue to provide an excellent service or product. <br /> <br /> If you should pass away without securing you obligations with life insurance coverage, all of the people who depend on you could be left flailing. Instead of setting your business, employees and family up for financial stress after you&rsquo;re gone, consider some of the following life insurance options. <ul> <li style="margin-bottom: 10px;"><em>Life insurance with a buy-sell agreement:</em> If you have a business partner (or partners), and your family isn&rsquo;t interested in taking your business shares, then a buy-sell agreement funded with life insurance proceeds would give your partner the money they need to pay your family for your shares.</li> <li style="margin-bottom: 10px;"><em>Key person insurance:</em> Your business relies on your expertise and reputation in order to remain fully functional. If you pass away while the business is in operation then there could be a loss of income until a suitable replacement is found and hired. Also, the finding and hiring of a suitable replacement could take more time and money than your business partner expects. A key person insurance policy gives your business the money it needs to replace you and keep the business running in the interim.</li> <li><em>Personal life insurance:</em> Outside of the funds received from the buy-sell agreement, your family may need additional funds to help them satisfy personal expenses and obligations such as the mortgage balance, college tuition and credit card debt.</li> </ul> Next, you need to decide what type of life insurance policy is best suited to your needs: <ul> <li style="margin-bottom: 10px;"><em>Permanent:</em> A whole, or permanent, policy is one that pays a benefit to your beneficiaries no matter when your death occurs, as long as the premium is paid on time and the policy is in-force. In addition, it accrues cash values that can be used for loans.</li> <li><em>Term:</em> Term insurance policies pay death benefits for a limited period of time (the term of the contract) and only as long as premium payments are made on time and the policy remains in-force. Term policies do not accrue cash values.</li> </ul> Want to learn more about how a life insurance policy can be designed to serve your family and your business?&nbsp;Consider adding this policy to your&nbsp;<a href="http://www.thinkpremierfirst.com/colorado-business-insurance/default.aspx" title="Colorado Business Insurance" target="_self">Colorado Business Insurance</a> and call an agent at <strong>Premier Group Insurance</strong> to discuss all the options available.urn:uuid:178fac07-3817-44f5-bea5-181473cd596a<img src='http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/iStock_000003778898Small.jpg' align='left' />Knowing whether or not your need&nbsp;commercial auto insurance is a question asked by nearly all business owners. Not having this policy is usually justified by the fact that only the owner drives the company vehicle, or that the business doesn&rs...Tue, 22 Nov 2011 08:45:51 -0600Knowing whether or not your need&nbsp;<a href="http://www.thinkpremierfirst.com/business/commercial_auto_quote.aspx" target="_self">commercial auto insurance</a> is a question asked by nearly all business owners. <br /> <br /> <img style="width: 300px; margin-bottom: 10px; float: right; margin-left: 10px;border: 0px solid;" alt="Commercial Auto Insurance" src="/img/~www.thinkpremierfirst.com/iStock_000003778898Small.jpg" />Not having this policy is usually justified by the fact that only the owner drives the company vehicle, or that the business doesn&rsquo;t even own a vehicle&mdash;while employees using their own vehicle for errands are typically overlooked. <br /> <br /> The truth of the matter is this: if <strong>you have a vehicle that is used for business or if you have employees that use their own vehicles for company errands</strong>, then you need commercial auto insurance. <br /> <br /> Insurance serves to protect your finances and your future. Having auto insurance means you care about being insured after an accident. But when you try to stretch this same policy to a company vehicle, you&rsquo;ll find your claims denied and your policy dropped in the event of an accident. Having your claim denied can hurt your business, hinder your finances, and be devastating in general. <br /> <br /> There&rsquo;s no need to risk the future of your business and your family when there are so many ways to have a commercial auto insurance policy that covers everything you need. With drive-other-car endorsements and non-owned coverage, cover yourself, your family, and your employees. <br /> <br /> In this economy, it&rsquo;s easy, and sometimes necessary, to cut corners and save money for your business. But if cutting those corners exposes you to more risk than it&rsquo;s worth and more than you can afford, it will only lead to bigger problems. So don&rsquo;t take unnecessary risks with your <a href="http://www.thinkpremierfirst.com/" target="_self">Colorado Car insurance</a>. Speak to a trusted agent at <strong>Premier Group Insurance</strong> to get the kind of coverage that will protect your family, your business, your employees, and your future.urn:uuid:3c1ae3b5-ef78-4e06-86fa-b30eaea465c6<img src='http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/iStock_000002114830XSmall.jpg' align='left' />When you purchase a&nbsp;home insurance policy to protect the value of your dwelling, outside structures, and contents while safeguarding your savings against certain liabilities, you have many different options for premium payments. As with almost a...Thu, 20 Oct 2011 16:04:55 -0500<img alt="" style="width: 300px; margin-bottom: 10px; float: right; margin-left: 10px;" src="/img/~www.thinkpremierfirst.com/iStock_000002114830XSmall.jpg" />When you purchase a&nbsp;<a href="http://www.thinkpremierfirst.com/other/basic_quote_form.aspx" target="_self">home insurance</a> policy to protect the value of your dwelling, outside structures, and contents while safeguarding your savings against certain liabilities, you have many different options for premium payments. As with almost any insurance policy, you can pay premiums four different ways: <ul> <li>Annually</li> <li>Semi-annually</li> <li>Monthly</li> <li>Quarterly</li> </ul> But it isn&rsquo;t just your payment intervals that are flexible; you can also choose up to three different methods for your payments: <ul> <li>Payment via automatic bank draft</li> <li>Check or money order</li> <li>Web payments initiated through the insurance company&rsquo;s website (not available in every instance)</li> </ul> <p>Once you review all of your options for home insurance premium payments, the question really becomes: Which, of all these methods and possible combinations, is the best? Let&rsquo;s take a look at a few different points.<br /> <br /> <strong>The most cost-effective methods for payment:</strong> Annual premium payments result in less money spent on premiums since insurance companies charge additional fees when payments are broken up. You can also save money by making premium payments online or by automatic bank draft since you won&rsquo;t need to mail checks. However, if you forget a payment is due and end up with an insufficient funds charge, you will increase your overall costs.<br /> <br /> <strong>Methods that help ensure continuing coverage:</strong> You never want to find out that you don&rsquo;t have home insurance coverage after you&rsquo;ve suffered an insurable incident and if you pay your premiums annually, you won&rsquo;t have to. You also won&rsquo;t have to worry about a lapse after an insurable incident that prevents you from accessing your checks and calendar. <br /> <br /> Automatic bank drafts offer another way to help prevent lapses without opting for annual payment intervals, but you must stay vigilant about ensuring that you have the money in your bank account before the draft occurs or you could end up not making the payment and lapsing your policy. <br /> <br /> No matter what your financial situation or personal preference, you can find a payment interval and method that suit your needs. And if the same method is less suitable the following year, you can ask your agent to change it before renewal. <br /> <br /> <strong>Find out about your&nbsp;<a href="http://www.thinkpremierfirst.com/colorado-home-insurance/default.aspx" target="_self">Colorado Home Insurance</a> by premiums by contacting Premier Group Insurance today!</strong></p>urn:uuid:30a1a890-d23d-4962-a53a-0aa1744477c3<img src='http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/iStock_000014940028Small.jpg' align='left' />As the economy continues on its downward spiral, consumers across the nation are tightening their belts and trying to save money wherever they can. Unfortunately, many people don't realize that they're losing untold amounts of money by overpaying on ...Thu, 22 Sep 2011 16:25:18 -0500<img alt="" style="width: 300px; margin-bottom: 10px; float: right; margin-left: 10px;" src="/img/~www.thinkpremierfirst.com/iStock_000014940028Small.jpg" />As the economy continues on its downward spiral, consumers across the nation are tightening their belts and trying to save money wherever they can. Unfortunately, many people don't realize that they're losing untold amounts of money by overpaying on <a href="/colorado-car-insurance/default.aspx" target="_self">car insurance</a>.<br /> <br /> If you're looking to save on auto insurance, steer clear of these common car insurance blunders:<br /> <br /> <strong>Blunder #1: Not shopping around for the best car insurance quote<br /> </strong>If you go with the first car insurance company that comes your way, you could be losing hundreds of dollars each year. It's worth your while to shop around and try to find the best deal out there. When it comes time to renew your insurance, it may be easy to stick with the same insurer you've had for years-but you won't save any money that way. Car insurance companies will calculate your rates differently, so you may be able to find a much better deal from someone else.<br /> <br /> <strong>Blunder #2: Choosing your state's minimum coverage requirements</strong><br /> Although you may be tempted to choose the bare minimum coverage amounts required in your state, this could cost you in the long run. Just because you are in compliance with state laws doesn't mean that you're fully protected. If you're underinsured, a major car accident could wreak havoc on your personal finances. Everyone's situation and budget is different, so talk to your financial advisor to discuss how much coverage you need.<br /> <br /> <strong>Blunder #3: Opting for the lowest car insurance deductible</strong><br /> In the car insurance world, the deductible is the amount of money you'll have to pay out of pocket on car repairs before your insurance company starts covering costs. Many consumers make the mistake of assuming the lowest deductible will save them money. However, this is not always the case. <br /> <br /> Generally, if you go with a lower deductible, you'll have to pay a higher premium. In the long run, you may be able to save more money by choosing a high deductible insurance plan with a lower premium. Do your homework to figure out what makes the most sense for your unique situation.<br /> <br /> <strong>Blunder #4: Choosing car insurance based only on cost</strong><br /> While you should definitely shop around for a great price on car insurance, this isn't the only factor you should consider. As you compare car insurance, look at the various benefits each insurer has to offer. Choose the coverage that best suits your needs and then compare prices.<br /> <br /> <strong>Blunder #5: Missing out on major discounts</strong><br /> If you're a safe driver or if you insure your car and home with the same company, you may be eligible for a discount. Take some extra time to look into what discounts are available from various insurers. You could save hundreds of dollars this year.<br /> <br /> Make sure you're paying the best price for your&nbsp;<a href="http://www.thinkpremierfirst.com" target="_self">Colorado Car Insurance</a> with Premier Group Insurance today.urn:uuid:053db4fc-a3a2-4e8c-8aa9-6ef25421d840<img src='http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/logo_pig.jpg' align='left' /> Premier Insurance Group, home of &ldquo;The Blue PIGi&rdquo; that brings you savings and value will sponsor national holiday of El Grito on the 18th of September at the Civic Center Park in Denver. Come and enjoy the music of Alegres De La Sierra,...Tue, 06 Sep 2011 15:53:44 -0500<img src="http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/logo_pig.jpg" style="border-width: 0px; border-style: solid;" alt="Premier Group Insurance" /> <br /> <br /> Premier Insurance Group, home of &ldquo;The Blue PIGi&rdquo; that brings you savings and value will <a name="_GoBack"></a>sponsor national holiday of <strong>El Grito on the 18th of September at the Civic Center Park in Denver</strong>. Come and enjoy the music of Alegres De La Sierra, Patrulla 81, Horoscopos De Durango, Calibre 50, Tito Y Su Torbellino and Los Nortenos De Ojinaga. There will be lots of fun for the family with games and activities will also include prizes. Kids can interact with our mascot "The Blue PIGi" and take pictures. <a href="https://www.facebook.com/event.php?eid=111290702310517" target="_blank" title="Facebook Event Info">Will you be attending?</a><br /> <br /> You have the possibility to save on your car insurance, home and business, and Premier Group Insurance agents will be available to <a title="Get a Free Quote" href="http://www.thinkpremierfirst.com/other/basic_quote_form.aspx">give a quote</a> instantly. Remember Premier Group Insurance with The Blue PIGi is the expert in all types of insurance since 1999!<br /> <br /> <a title="En Espanol" href="http://www.thinkpremierfirst.com/celebre-las-fietas-patrias-de-el-grito/default.aspx">En Espa&ntilde;ol</a>urn:uuid:dca6c02b-bada-4dab-84f8-bf82c9cbb708<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/iStock_000001701860XSmall.jpg' align='left' />Packing your bag and reserving your hotel room aren&rsquo;t the only things you must do before you take off for a vacation. You should also prepare your home to lessen the risk of burglary or accident while you are away. A house sitter can be the ult...Tue, 23 Aug 2011 14:55:15 -0500<p><img src="/img/%7Ewww.thinkpremierfirst.com/iStock_000001701860XSmall.jpg" style="width: 250px; height: 166px; float: left; margin-right: 7px;" alt="colorado home" />Packing your bag and reserving your hotel room aren&rsquo;t the only things you must do before you take off for a vacation. You should also prepare your home to lessen the risk of burglary or accident while you are away. A house sitter can be the ultimate defense against these risks, but if you can&rsquo;t afford to hire someone to live in your home while you&rsquo;re gone, try these easy and cheap prep tips instead.</p> <p><strong>Prepare in case of a robbery</strong>: No matter how many safety measures you take, you could still be burglarized. Prepare for the worst by making a list of all of your possessions. It will be a big help when you need to straighten things out with your <strong><a href="http://www.thinkpremierfirst.com/colorado-home-insurance/default.aspx">Colorado home insurance</a></strong> company. If you have a video recording device or can borrow one, take a video inventory. Save the video in a safe place such as a safe deposit box. If you have large items, etch your driver&rsquo;s license number into them. It will make them much easier to identify if they end up at a local pawn shop. Nobody expects to be a victim of crime, but it does occur. By taking a moment to safeguard your house you can greatly reduce your chances of being a victim or make it easier to recover from a robbery.</p> <p><strong>Timed lights</strong>: Set your lights up on an automatic timer so that they go on and off at specified times of the day. Some of these gadgets even allow you to set the activity to randomly light the inside of your home. This will make it look as though there is someone home, even though there isn&rsquo;t. </p> <p><strong>Check your smoke detectors</strong>: Before leaving, check your smoke detectors to make sure the batteries and units are still functional. If it&rsquo;s close to your designated time to change the batteries, go ahead and change them before you leave. </p> <p><strong>Stop mail and newspaper delivery</strong>: A few days worth of mail in the mailbox and a pile of newspapers by the front door are sure signs that you aren&rsquo;t home&mdash;and create the closest thing to an engraved invitation a would-be burglar could ask for. Talk to your post office about having your mail held while you are away and call your newspaper to ask for delivery to be stopped. You may even ask about having the papers you miss donated to your local school or library. </p> <p><strong>Turn everything off</strong>: Go through your home before you leave and turn everything off. Double check automated items like coffee makers to ensure that they don&rsquo;t start their normal daily routines unattended. </p> <p><strong>Lock windows and doors</strong>: Make sure all your windows and exterior doors are locked before you leave. Don&rsquo;t take for granted that they are; complete a physical check before you go. </p> <p><strong>Shut off the water valve in winter</strong>: Because there is a risk of frozen pipes bursting, make sure to turn off your water valve when you go away for a winter vacation. Even if you aren&rsquo;t quite into the snowy months, you might want to shut off the water against an unexpected cold snap. </p> <p><strong>Install an alarm system</strong>: Consider installing an alarm system before you go on vacation. It doesn&rsquo;t have to be a monitored system, but simply a few door and window alarms from your local home improvement store. If you do this, you may want to notify a neighbor and give them the name and phone number of a relative who has access to your home. That way, if the alarm goes off, a relative can be notified to check out your house, call the police and shut off the alarm when danger has passed. </p> <p>Sometimes, it&rsquo;s the little steps that count the most in prepping your home before you go away. Using these tips can make the difference between coming back to a catastrophe or to an intact home after a restful vacation. </p> <p><strong>Call us at 877-430-0092</strong> for a comprehensive <strong><a href="http://www.thinkpremierfirst.com/framed.aspx?ref=900">Colorado homeowners insurance</a></strong> quote.</p>urn:uuid:b4974476-6c1b-47ed-85b4-42d8aa912581<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/iStock_000002285736XSmall.jpg' align='left' />There is no question that most teens lack the experience to make them ideal drivers and decision makers behind the wheel, but that doesn&rsquo;t mean that parents have no choice but to &ldquo;take their lumps&rdquo; when it comes to teen drivers and ...Mon, 08 Aug 2011 11:52:07 -0500<p><img src="/img/%7Ewww.thinkpremierfirst.com/iStock_000002285736XSmall.jpg" style="width: 275px; height: 183px; float: left; margin-right: 7px;" alt="teen driver" longdesc="There is no question that most teens lack the experience to make them ideal drivers and decision makers behind the wheel, but that doesn&rsquo;t mean that parents have no choice but to &ldquo;take their lumps&rdquo; when it comes to teen drivers and accidents. Parents actually have a lot of power to help make sure that their teens learn how to be better drivers." />There is no question that most teens lack the experience to make them ideal drivers and decision makers behind the wheel, but that doesn&rsquo;t mean that parents have no choice but to &ldquo;take their lumps&rdquo; when it comes to teen drivers and accidents. Parents actually have a lot of power to help make sure that their teens learn how to be better drivers.</p> <p><strong>Be a Good Example</strong></p> <p>The first step in ensuring that your teen is a good, safe driver is to always be an example to them whether they are riding in a car with you or you are driving alone. If they hear about your tickets and traffic court dates, they might assume that they can ignore traffic laws and simply ask for forgiveness after the damage is done, if they even get caught. So make sure your driving is as stellar as you want your child&rsquo;s to be, at all times. </p> <p><strong>Safe Driver Discount</strong></p> <p>Most <a href="http://www.thinkpremierfirst.com/framed.aspx?ref=100">Colorado car insurance</a> carriers offer good driver discounts for teens that stay accident free but it will also depend upon their driving record. It is important to avoid accidents, but you should also steer clear of speeding and reckless driving offenses, DUI or DWI convictions, and other infractions that can tarnish your record.</p> <p><strong>Read the Handbook Together</strong></p> <p>There are two ways a would-be driver can read the DMV handbook before taking the test; the would-be driver can read it like someone who wants to temporarily memorize it or as though they want to actually learn something. Many teens, blinded by the all-encompassing goal of getting a driver&rsquo;s license, work diligently to memorize the handbook and then dump the info from their brain before the plastic cools on their newly minted license. When you work with your teen driver and study the manual together, you can be there to explain the concepts in the manual to them in a way they won&rsquo;t forget, and you can ensure that the education they receive is a lifelong one.</p> <p><strong>Don&rsquo;t Lose Patience</strong></p> <p>Driving with a teen is not a fun experience for most parents and it is a difficult time to actually teach. Often, teens get embarrassed and defensive when their driving behavior is corrected and this makes it difficult for them to actually take in what you are saying. Don&rsquo;t lose patience and don&rsquo;t take the offensive with your teen. Always remember that you were once in their seat, and try to communicate driving critiques in a manner you would have appreciated.</p> <p><strong>Watch Videos</strong></p> <p>There are many videos available online and at your local library that help people improve their driving ability. Watch these videos with your teen and talk about the different topics and situations that are found in the video. You can even bring these lessons out into the real world when you go driving with your teen. </p> <p>Teaching your teen to be a better driver is something that takes a big commitment from both of you. If you work together, you can ensure that your teen walks away with knowledge he or she will apply and that will keep them safe when they&rsquo;re on their own behind the wheel.&nbsp; </p> <p ><strong>Call us at 877-430-0092</strong> for a comprehensive <a href="http://www.thinkpremierfirst.com/colorado-car-insurance/default.aspx">Colorado car insurance</a> quote.</p>urn:uuid:af7099a7-baef-4edb-9e45-e79d93dab8ba<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/iStock_000002828183XSmall.jpg' align='left' />How insurance premiums are determined will vary from insurance company to insurance company, however, most companies will apply the following factors when deciding what to charge you for your home insurance. Locality - Insurance companies will weigh ...Tue, 19 Jul 2011 12:51:34 -0500<p><img alt="" src="/img/%7Ewww.thinkpremierfirst.com/iStock_000002828183XSmall.jpg" style="width: 225px; height: 178px; float: left; margin-right: 7px;" />How insurance premiums are determined will vary from insurance company to insurance company, however, most companies will apply the following factors when deciding what to charge you for your home insurance.</p> <p><strong>Locality</strong> - Insurance companies will weigh how safe your neighborhood is, how near your house is to a fire station, and the chance for "act of God" claims.</p> <p><strong>Building materials</strong> - Is your home made of wood, stucco siding, brick, or stone?</p> <p><strong>How old is your house?</strong> - newly constructed houses can usually receive a lower rate</p> <p><strong>Coverage amount</strong> - the total coverage you have on your house, your house's belongings, and the liability cap are all figured in the amount of your policy.</p> <p><strong>Assessment of loss</strong> - what your homeowner's policy will cover in the occurrence of a claim, if it will pay the actual cash value or the cost to replace missing or destroyed contents.</p> <p><strong>Deductible</strong> - what is the dollar amount you are going to pay before your insurance takes over.&nbsp; If you have a homeowner's loan, the max limit of your deductible will typically be greater than the amount set by your lender.</p> <p>&nbsp;</p> <p><strong>Call us at 877-430-0092</strong> for a comprehensive <a href="http://www.thinkpremierfirst.com/">Denver homeowners insurance</a> quote.</p>urn:uuid:30cb2395-ebd8-4f52-9eed-c579f87d907a<img src='http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/iStock_000000824306XSmall.jpg' align='left' />If you own commercial property that you rent out to other business owners or use for your own business, then you need commercial property insurance.&nbsp;Commercial property insurance is used to cover real property, like buildings, factories, etc. It...Wed, 22 Jun 2011 12:56:27 -0500<p><img style="width: 300px; margin-bottom: 10px; float: left; margin-right: 10px;" alt="Business Insurance" src="/img/~www.thinkpremierfirst.com/iStock_000000824306XSmall.jpg" />If you own commercial property that you rent out to other business owners or use for your own business, then you need commercial property insurance.&nbsp;<a href="http://www.thinkpremierfirst.com/colorado-business-insurance/default.aspx" target="_self">Commercial property insurance</a> is used to cover real property, like buildings, factories, etc. It is not to be confused with business personal property which is used to cover the contents of a business like electronics, stock and furniture. </p> <p><i>What does commercial property insurance cover?</i></p> <p>This coverage covers the exterior and interior walls, roof and ceiling of your property. In addition, it covers additions, outbuildings, outdoor fixtures, and more. In some cases it covers machinery, appliances, and floor covering&mdash;generally only if these items are a built-in, permanent part of the property. </p> <p><a href="http://www.thinkpremierfirst.com/colorado-business-insurance/default.aspx" target="_self">Commercial property insurance</a>&nbsp;does not cover the contents of any of your buildings or the vehicles around it. In addition, it does not cover any additions that are currently under construction. These can be covered by builders risk coverage. </p> <p>Lastly, this insurance does not cover injuries and losses of others on the premises. Commercial property insurance is intended to cover losses that affect the building itself, not liabilities that occur inside or outside of it. </p> <p><i>Is commercial property insurance similar to other property insurance coverages?</i></p> <p>Yes. Commercial property insurance has deductibles and limits just like any other type of property insurance coverage. In addition, your policy may have certain exclusions that you should pay close attention to. Reading your policy once you receive it will help you better understand what is and isn&rsquo;t covered. </p> <p><i>Are additional coverages obtainable?</i></p> <p>Yes. You can also choose to have coverage added to your policy for the following:</p> <p><b>Pollutant cleanup and removal</b>: If you have pollutants present in the land or water of your business due to an insurable incident, this coverage may pay for their extraction. </p> <p><b>Debris removal</b>: If an insurable incident cause&rsquo;s debris to be deposited on your commercial property, this additional coverage will pay for its removal, provided it exceeds the deductible.</p> <p><b>Outdoor property</b>: This covers outdoor items like fencing, plants, signs and satellite dishes in the event of an insurable incident. </p> <p><a href="http://www.thinkpremierfirst.com/colorado-business-insurance/default.aspx" target="_self">Commercial property insurance</a>&nbsp;is a vital protection for any real business property owner to carry. It helps protect the bulk of your investment from the losses that fires, storms, vandalism and other insurable incidents can create and protects your savings from being accessed to pay for repairs that make your business property usable again. </p> <p><strong>Make sure you have the best options for your&nbsp;<a href="http://www.thinkpremierfirst.com/blog.aspx" target="_self">Colorado Business Insurance</a> needs with&nbsp;<a href="http://www.thinkpremierfirst.com/" target="_self">Premier Group Insurance</a> today!</strong></p>urn:uuid:5b793645-dd8d-4fec-92de-ec9adf0d2dcf<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/pigi_and_agents.jpg' align='left' /> Premier Group Insurance is excited to announce a very special event to be held Saturday May 21st from Noon to 4pm.&nbsp; &nbsp; All of Premier's customers are invited to spend some fun in the sun with us outdoors at our main office at 4940 East Eva...Thu, 12 May 2011 09:53:43 -0500<img alt="" src="/img/%7Ewww.thinkpremierfirst.com/pigi_and_agents.jpg" /><br /> <br /> Premier Group Insurance is excited to announce a very special event to be held Saturday May 21^st from Noon to 4pm.&nbsp; &nbsp; <p>All of Premier's customers are invited to spend some fun in the sun with us outdoors at our main office at 4940 East Evans Avenue, Denver, CO 80222 on Saturday May 21^st! </p> <p>PGI&rsquo;s Customer Appreciation Day will feature a live radio broadcast of the event and for our customers there will be free food hot off the grill and plenty of beverages to quench one&rsquo;s thirst. Family fun will be abundant with games and activities which will also include prizes that were a huge hit at the recent <a href="https://www.facebook.com/media/set/?set=a.197557773618918.44904.152670668107629" target="_blank" title="Cinco de Mayo Celebration Pictures">Cinco De Mayo celebration</a>! Free family photos of customers will also be taken with the Premier giant 15 ft. blue PiGI!</p> <p>In addition insurance company representatives will be on hand to speak to customers about Auto, Home, and Business safety.&nbsp; And vendors will also be available for free chip repairs and the many things that are important to you during the time of an Auto, Home, or Business claim.&nbsp; </p> <p>Premier&rsquo;s own licensed agents will be attending to spend time with customers, say thank you, and help customers save even more.&nbsp; In business since 1999 Premier Group Insurance is the expert in Auto-Home-Business Insurance.&nbsp; Savings and Value has been a hallmark of Premier&rsquo;s for three decades, now with more than 100 <a href="/locations.aspx" title="PGI Locations">locations</a> in Colorado and the West.&nbsp; Premier&rsquo;s blue PiGI mascot is representative of the huge savings and value all of Premier&rsquo;s customers enjoy.&nbsp; &nbsp;</p> <p>If you are a Premier Customer, please join us and bring a friend!</p> <p>More information can be found on the web at <a href="http://www.thinkpremierfirst.com/">www.ThinkPremierFirst.com</a> and on our <a title="Facebook Event" target="_blank" href="https://www.facebook.com/event.php?eid=217091674984893">Facebook</a> page.<br /> <br /> <span style="font-size: 16px;"><strong>Update:</strong> We've uploaded all the photos onto our <a href="https://www.facebook.com/media/set/?set=a.203516436356385.47002.152670668107629" target="_blank"><span style="font-size: 16px;">Facebook</span></a> page. If you attended, see if you can find yourself in them, or tell others to check it out!</span></p>urn:uuid:8888b538-a7a8-4e7a-855c-610c97f0a4fa<img src='http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/young_and_pig2.jpg' align='left' /> Premier Group Insurance CEO Youngdon Yun readies the Premier "PiGI" mascot for Premier's big weekend festivities to be held at Denver's Civic Center Park Saturday and Sunday, May 7-8th.&nbsp; Be sure to come by Premier's booth this weekend and wi...Fri, 06 May 2011 10:05:47 -0500<img alt="" src="/img/~www.thinkpremierfirst.com/young_and_pig2.jpg" /><br /> <br /> Premier Group Insurance CEO Youngdon Yun readies the Premier "PiGI" mascot for Premier's big weekend festivities to be held at <a href="https://www.facebook.com/event.php?eid=207913569229866" title="Facebook Event Details" target="_blank">Denver's Civic Center Park Saturday and Sunday, May 7-8th</a>.&nbsp; <br /> <br /> Be sure to come by Premier's booth this weekend and win a PiGI T-Shirt and also save on your insurance in <em>much less than 15 minutes!</em><br /> <br /> Get details about the event on our <a href="http://www.thinkpremierfirst.com/blog/Premier_Group_Insurance_to_Celebrate_Cinco_De_Mayo_May_7-8_at_Denvers_Civic_Center_Park.aspx" title="PGI's Cinco de Mayo event details">blog</a> and <a href="https://www.facebook.com/event.php?eid=207913569229866" title="Cinco de Mayo Celebrations">Facebook</a>. <br />urn:uuid:d2fcbd24-47d1-45d4-bbab-9c2c2e693453<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/CincoDeMayo.png' align='left' />Come see us for Fun and Savings! DENVER, April 28, 2011 &ndash; Premier Group Insurance, Inc. announced today it will be hosting 3 booths at Denver&rsquo;s Cinco De Mayo Celebration to be held at the Denver Civic Center Park.&nbsp; All customers, ...Fri, 29 Apr 2011 12:09:02 -0500<h2>Come see us for Fun and Savings! </h2> <p><img style="float: left; width: 200px; height: 272px; margin-right: 5px;" src="/img/%7Ewww.thinkpremierfirst.com/CincoDeMayo.png" alt="Cinco de Mayo Celebrations" /></p> <br /> DENVER, April 28, 2011 &ndash; Premier Group Insurance, Inc. announced today it will be hosting 3 booths at Denver&rsquo;s Cinco De Mayo Celebration to be held at the Denver Civic Center Park.&nbsp; <p>All customers, their friends and family are invited to participate in fun and games with prizes and giveaways.&nbsp; In fact anyone interested in saving money on their insurance and getting a great value on quality protection should visit our three booths!&nbsp; Licensed, bi-lingual agents will be attending and can help customers with all of their insurance needs! </p> <p>Look for our giant 15 foot blue Piggy atop our booths.&nbsp; The Piggy represents the savings our customers get with Premier Group Insurance.&nbsp; We will be at booths #437, #438, and #439.&nbsp; Attached is a <a title="Vendor Map" target="_blank" href="/img/%7Ewww.thinkpremierfirst.com/2011VendorMap.pdf">map</a> for convenience.&nbsp; See you there!&nbsp; </p> <p>Please visit our website or <a href="https://www.facebook.com/event.php?eid=207913569229866" target="_blank" title="Respond to our Facebook Event">Facebook</a> for more information and to receive a free quote at <a href="http://www.thinkpremierfirst.com/">http://www.ThinkPremierFirst.com</a></p> <p><strong># # #</strong></p>urn:uuid:7f2cb40c-dd5e-4ed3-80c1-d36a621f38ca<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/logo_pig.jpg' align='left' /> Denver, April 19 2011 &ndash; Premier Group Insurance, Inc. announced today the further expansion of its agency Property &amp; Casualty group of more than 100 licensed agents into additional targeted states in the West. Leading the strategic expans...Tue, 19 Apr 2011 18:01:16 -0500<p><strong><img alt="" src="/img/%7Ewww.thinkpremierfirst.com/logo_pig.jpg" /><br /> <br /> Denver, April 19 2011 &ndash; Premier Group Insurance, Inc.</strong> announced today the further expansion of its agency Property &amp; Casualty group of more than 100 licensed agents into additional targeted states in the West. Leading the strategic expansion will be newly appointed President, Rex Hickling, CPCU, AIM.</p> <p>In bringing more than 27 years of Property &amp; Casualty experience to his leadership position, previously as Vice President of Sales, Finance, and Distribution for Premier Group Insurance Hickling helped to lead the agency group to record double digit revenue growth in 2010 during a time most P&amp;C agencies were challenged with growth. Premier Group Insurance also saw a record number of new agency affiliates in 2010 as it began its&rsquo; expansion under Hickling.</p> <p>Prior to joining Premier Group Insurance, Hickling held an array of executive and managerial positions spanning more than two decades with two leading Property &amp; Casualty insurers, Travelers and Safeco. Having had responsibility for results across 14 states, his experience spans a number of disciplines, from underwriting to product management, to sales, marketing and general management.</p> <p>Premier Group Insurance Chairman &amp; CEO, Youngdon Yun said, &ldquo;We are delighted to have such a uniquely qualified and talented person as Rex at the helm driving our strategic expansion. Rex&rsquo;s high energy, vision, and personal engagement have the whole Premier team revved up to execute on our initiatives. Increasing our agency partner value in a manner of &ldquo;constant improvement&rdquo; has been a hallmark of Premier&rsquo;s and Rex has raised the bar for us. Under Rex I know our best is yet to come.&rdquo;</p> <p>Hickling said &ldquo;It&rsquo;s about teamwork and having great people focused on a common goal. Richard King, PGI&rsquo;s Vice President of Operations has the whole place aligned with our agent-centric model and focused on one goal &ndash; our agent&rsquo;s success and processes to drive that. There&rsquo;s a buzz about Premier, both internally and from our carriers and policyholders. PGI&rsquo;s investment in our agents is making a positive impact for all of our stakeholders. With our new enhanced agency offerings the value created for agents today is clearly best in class and the vision is becoming a reality.&rdquo;</p> <p>About Premier Group Insurance, Inc.</p> <p>Premier Group Insurance, Inc., PGI, is a privately held corporation based in Denver, Colorado. PGI&rsquo;s value differentiation is a unique ability to deliver a compelling competitive advantage to its member Property &amp; Casualty agency partners to help them execute and maximize their agency value through a variety of financial, sales, support, and consultative means. In business since 1999, Premier Group Insurance owns three agencies and has more than one hundred P &amp; C agency affiliates active in Arizona, California, Colorado, Kansas, Illinois, New Mexico, Texas, and Utah before its announced expansion into additional states.</p> <p>Additional information about Premier Group Insurance and becoming a PGI Agency Affiliate is available at <a href="http://www.ThinkPremierFirst.com" title="Premier Group Insurance website">http://www.ThinkPremierFirst.com</a></p> <p>Contacts:<br /> Youngdon Yun<br /> Chief Executive Officer<br /> Tel: 1(877) 430-0092<br /> <a href="http://www.thinkpremierfirst.com/contact/Youngdon_Yun.aspx"><img style="border-width: 0px; border-style: solid;" src="http://www.thinkpremierfirst.com/controls/dynamic_images/email_address.aspx?aguid=928ef0ab-68fb-4ec8-a924-5eae5322c72b" alt="Click here to contact Youngdon Yun" /></a></p> <p>Rex Hickling, CPCU, AIM<br /> President<br /> Tel: 1(877) 430-0092<br /> <a href="http://www.thinkpremierfirst.com/contact/Rex_Hickling.aspx"><img style="border-width: 0px; border-style: solid;" src="http://www.thinkpremierfirst.com/controls/dynamic_images/email_address.aspx?aguid=e0bcfb54-4789-4047-ad64-5845c2378d58" alt="Click here to contact Rex Hickling" /></a></p> Richard King<br /> Vice President<br /> Tel: 1(877) 430-0092<br /> <a href="http://www.thinkpremierfirst.com/contact/Richard_King.aspx"><img style="border-width: 0px; border-style: solid;" src="http://www.thinkpremierfirst.com/controls/dynamic_images/email_address.aspx?aguid=9821b077-c12a-4e92-a7b3-1177ee0cf393" alt="Click here to contact Richard King" /></a>urn:uuid:4f8176ed-e6fb-4c53-9888-30acc07885b7<img src='http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/iStock_000000429897XSmall.jpg' align='left' />There are numerous things to do and deliberate when deciding whether or not to go into business for yourself. One very crucial item to consider is the capacity to be sued because of your efforts or inactions as a business owner. We have outlined some...Tue, 19 Apr 2011 13:55:56 -0500<p><img style="width: 250px; margin-bottom: 10px; float: right; margin-left: 10px;" alt="Business Insurance" src="/img/~www.thinkpremierfirst.com/iStock_000000429897XSmall.jpg" />There are numerous things to do and deliberate when deciding whether or not to go into business for yourself. One very crucial item to consider is the capacity to be sued because of your efforts or inactions as a <a href="/business/bop_quote.aspx">business owner</a>. We have outlined some everyday potential liability exposures business-owners&rsquo; encounter:</p> <ul> <li>Premises Liability - the possibility of visitors being injured or harmed while at a business location.</li> <li>Operations Liability - the possibility of injury occurring because of the work accomplished by the business.</li> <li>Products Liability - the possibility of products being manufactured by a business to cause harm or injury</li> <li>Injury to employees - laws exist that dictate the liability a business owner can have when an employee is injured while employed.</li> <li>Professional liability - Professionals, for example doctors and lawyers, can have further legal duties placed on them because of their professional reputation.</li> <li>Management Liability - the possibility of directors and officers of a business being accountable because of their duties to those they attend to. </li> </ul> <p>Let our agency help you determine what dangers your business can encounter and the specific insurance coverage you need so you can breathe easy knowing you are properly covered at a cost that meets your financial means.</p> <p><strong>Learn about options for your own&nbsp;<a href="/colorado-business-insurance/default.aspx">Colorado Business Insurance</a> from Premier Group Insurance today!</strong></p>urn:uuid:5f6eedba-b486-4d03-9143-1e0069cb518e<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/iStock_000006962370XSmall.jpg' align='left' />Calif., Colorado Consider Banning &lsquo;Crash Taxes&rsquo; Legislators in both California and Colorado have proposed new laws that would prohibit communities from charging a fee when police and fire personnel respond to motor vehicle accidents. The...Fri, 04 Mar 2011 13:49:31 -0600<h2>Calif., Colorado Consider Banning &lsquo;Crash Taxes&rsquo;</h2> <p><img style="width: 250px; margin-bottom: 10px; float: right; height: 174px; margin-left: 10px;" alt="Denver Car Insurance" src="/img/%7Ewww.thinkpremierfirst.com/iStock_000006962370XSmall.jpg" />Legislators in both California and <strong>Colorado</strong> have proposed new laws that would prohibit communities from charging a fee when police and fire personnel respond to motor vehicle accidents. </p> <p>The city of Sacramento recently adopted just such a &ldquo;fire recovery charge&rdquo; on out of town automobile drivers. Sacramento&rsquo;s &ldquo;crash tax&rdquo; imposes a fee on out-of-town drivers who get into auto accidents in order to fund the fire department&rsquo;s response services. The fee would be imposed on non-resident drivers if insurers find them at fault in the accident. But business owners who live outside the city but have property inside the city are exempt from the tax.</p> <p>By Patricia-Anne Tom - Insurance Journal<br /> Read the rest of her article <a href="http://www.insurancejournal.com/news/west/2011/02/23/187739.htm" title="Colorado Car Insurance" target="_blank">here</a></p> <p><em>Make sure you ask a Premier Group Insurance Agent about changes to your <strong>Colorado Car Insurance</strong> today!</em></p>urn:uuid:89bde57a-b4c9-47fe-90c9-e23d4cd8c71f<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/iStock_000001879801XSmall.jpg' align='left' />If your home and personal property is destroyed by a fire, flood, hurricane or other disaster, it may be more difficult than you realize to remember all the items you had in your home before the event. And without an itemized list of the items you lo...Mon, 31 Jan 2011 17:08:30 -0600<p><img style="float: right; margin-left: 7px; width: 250px; margin-right: 7px; height: 165px;" alt="Home inventory" src="/img/%7Ewww.thinkpremierfirst.com/iStock_000001879801XSmall.jpg" />If your <a href="http://www.thinkpremierfirst.com/framed.aspx?ref=900">home and personal property</a> is destroyed by a fire, flood, hurricane or other disaster, it may be more difficult than you realize to remember all the items you had in your home before the event. And without an itemized list of the items you lost, you cannot get the recovery you deserve from the insurance company. </p> <p>One way to avoid this is to create a personal property inventory. You can hire someone to do this for you, but it isn&rsquo;t difficult to do it yourself. </p> <ol style="margin-top: 0in; list-style-type: decimal;"> <li><strong>Go room by room. </strong>Don&rsquo;t just sit and try to think about each of the items in your rooms. Instead, go into one room and focus on that space completely while you are in it. Do not start another room until you finish the one that you are in. </li> <li><strong>List every item in the room. </strong>As you look around the room, write a comprehensive list of every item in the room as you look at it. This is really the only way to ensure that you make note of every possession you own.<strong></strong> </li> <li><strong>Add descriptions, serial numbers and any other distinguishing facts. </strong>Once you&rsquo;ve gone through every room of your home and catalogued each of your possessions, go back to the room you began the process in and start noting any distinguishing facts, serial numbers and descriptions next to each of the items you have listed. You should do this after you create the basic list of items because the process can take a while. If you try to do this all at once then you may actually suffer an insurable incident before you even have your basic list complete.<strong> </strong></li> <li><strong>Attach receipts or third party valuations. </strong>If you have any receipts for the items that you own, or any value estimates from third party appraisers, be sure to attach them to your inventory. </li> <li><strong>Add pictures. </strong>Pictures can often tell a better story than a simple list, and they certainly tell a verifiable one. Take pictures of the rooms you have just inventoried and attach it to your list. You can also take additional close-up pictures of any especially valuable items in each room. <strong></strong></li> <li><strong>Store your inventory in a safe, fire-proof place and send a copy to your insurer and agent. </strong>You need to store your copy of the inventory and pictures in a place that can&rsquo;t get damaged by flood, fire or wind. Also, send a copy to your insurance company and your agent so that there are back-ups in the event that you can&rsquo;t access yours after a disaster. <strong></strong></li> </ol> <p>Buying insurance is just the first step in a process used to cement your financial security. Keeping an inventory of all your personal items ensures that you get the benefits you are entitled to after an insurable incident. <strong></strong></p>urn:uuid:d0b7f374-dd90-42d5-8cc3-df878dff3d40<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/house_door.jpg' align='left' />It is easy to get tunnel vision when looking for homeowners insurance quotes. Sometimes, in the midst of many quotes and hours spent looking for policies, shoppers can resort to simply narrowing their selection down to price and choosing the cheapest...Tue, 21 Dec 2010 14:49:44 -0600<p><img alt="" src="/img/%7Ewww.thinkpremierfirst.com/house_door.jpg" style="float: right; margin-left: 7px; border-width: 0px; border-style: solid;" />It is easy to get tunnel vision when looking for <a href="http://www.thinkpremierfirst.com/framed.aspx?ref=900">homeowners insurance quotes</a>. Sometimes, in the midst of many quotes and hours spent looking for policies, shoppers can resort to simply narrowing their selection down to price and choosing the cheapest quote rather than considering the actual value of the policies they are considering buying compared to all the other policies they have looked at. But doing so isn&rsquo;t the best way to make sure you are getting the best and most affordable policy to actually fit the individual needs of your home and your family. Instead <strong>you must evaluate all aspects of the policy, from coverage to deductibles, and the cost in order to get the best deal</strong>. Here is a list of items you should review before you commit.</p> <ol start="1" style="margin-top: 0in; list-style-type: decimal;"> <li><strong>Dwelling amount:</strong> The amount of the dwelling coverage is the amount you would get for the actual structure of your home. This includes the building that you consider your home and any other attached structure&mdash;like an attached garage. </li> <li><strong>Contents amount:</strong> The actual structure of your home isn&rsquo;t the only part of your property with value. The items you fill your home with are also valuable, both financially and emotionally. Contents coverage is what you are insured for on damages to your possessions like your furniture, electronics, clothing, etc. &nbsp;</li> <li><strong>Loss of use:</strong> If your home were damaged in an insurable event and you were not able to live in it until repairs were completed, how would you pay for temporary housing? Loss of use in a homeowners insurance policy pays a reasonable amount for temporary living arrangements. </li> <li><strong>Covered perils:</strong> Perils are the potential insurable events that could occur and that are covered under your policy. The fewer covered perils your policy has, the fewer insurable incidents you actually have coverage for. </li> <li><strong>Calculation of home value:</strong> Insurance adjusters help insurance companies determine just how much damage was done to the property in question and how much they should pay you for that damage. In your homeowners insurance policy you will find that the company either determines your home value for damages by using replacement value or actual cash value. Actual cash value takes into consideration the value of your individual home before the incident. The goal here is to make you as whole as you were before the insurable incident. Replacement value gives you enough to replace your home without considering the depreciation. That means you may get enough to buy a comparable home, even if your individual house was not worth the same amount. </li> </ol> Call us at <strong>877-430-0092</strong> for a comprehensive <a href="http://www.thinkpremierfirst.com/">Denver homeowners insurance</a> quote.urn:uuid:4affda8d-1379-4787-a10f-902314f2749a<img src='http://www.thinkpremierfirst.com/img/~www.thinkpremierfirst.com/iStock_000000752560XSmall.jpg' align='left' />It is estimated that about 60 percent of American homes are underinsured by an average of 22 percent. Your home is probably your largest single investment, so insuring it adequately is an important part of maintaining your financial independence. You...Mon, 22 Nov 2010 17:18:58 -0600<p>It is estimated that about 60 percent of American homes are <strong>underinsured by an average of 22 percent</strong>. Your home is probably your <strong>largest single investment</strong>, so insuring it adequately is an important part of <strong>maintaining your financial independence</strong>.</p> <p><img style="width: 300px; margin-bottom: 10px; float: right; height: 198px; margin-left: 10px;" alt="Home Insurance" src="/img/~www.thinkpremierfirst.com/iStock_000000752560XSmall.jpg" />You should have an amount of insurance that is <strong>sufficient to rebuild your home</strong> in the event it is totally destroyed by a fire, tornado, hurricane or other insured catastrophe. The amount of insurance should <strong>cover the cost of rebuilding</strong> your home at current construction costs, not including the value of the land. Don&rsquo;t think about the price you paid for your home or the appraised value. The cost of rebuilding could be more or less than the price you paid or could sell it for today.</p> <p>There are other considerations to take into account when determining the amount to insure your home for, such as</p> <ul> <li>The expense of clearing debris from the lot before rebuilding can begin </li> <li>Fees for an architect or other design professional to estimate costs and produce plans to be followed by the contractor </li> <li>Rapid inflation in the cost of building materials and labor following a major catastrophe that affects a number of homes in the same area </li> <li>Local building codes that require replacement with additional features or more expensive materials </li> </ul> <p>There are several methods used to estimate the replacement cost of a home. Some of the factors insurance companies use are:</p> <ul> <li>Building materials </li> <li>Type of foundation </li> <li>Attached or detached garages </li> <li>Square footage </li> <li>Location of the home </li> <li>Fireplace </li> <li>Upgrades </li> <li>Number of rooms and baths </li> </ul> <p>Ultimately it is your responsibility to establish the value of your property and select the amount of insurance for your policy. We can help with that decision and explain what you can do to avoid an unpleasant surprise after a loss.</p>urn:uuid:d1d90d08-b150-4dfe-baff-5b7648a3f620<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/logo.png' align='left' /> We have loads of places for you to connect with us. Here are some of them so you to join us: Facebook Twitter LinkedIn Yahoo! Pulse Live Spaces Blogger Typepad Live Journal MySpace Thu, 04 Nov 2010 17:32:05 -0500<img alt="" src="/img/%7Ewww.thinkpremierfirst.com/logo.png" style="width: 200px;" /><br /> <br /> We have loads of places for you to connect with us. Here are some of them so you to join us:<br /> <ul> <li><a href="http://www.facebook.com/pages/PremierGroupInsurance/152670668107629" target="_blank" title="Facebook">Facebook</a> </li> <li><a href="http://twitter.com/ThinkPremier1st" target="_blank" title="Twitter">Twitter</a> </li> <li><a href="http://www.linkedin.com/companies/premier-group-insurance" target="_blank" title="LinkedIn">LinkedIn</a> </li> <li><a href="http://pulse.yahoo.com/premiergroupins" target="_blank" title="Yahoo Pulse">Yahoo! Pulse</a> </li> <li><a href="http://cid-c09160caf394fc07.profile.live.com/" target="_blank" title="Live Spaces">Live Spaces</a> </li> <li><a href="http://premiergroupinsurance.blogspot.com/" target="_blank" title="Blogger">Blogger</a> </li> <li><a href="http://premiergroupinsurance.typepad.com/blog/" target="_blank" title="Typepad">Typepad</a> </li> <li><a href="http://thinkpremier1st.livejournal.com/" target="_blank" title="Live Journal">Live Journal</a> </li> <li><a href="http://www.myspace.com/premiergroupinsurance" target="_blank" title="MySpace">MySpace</a> </li> </ul>urn:uuid:fe682b26-c7c0-4053-8de1-cf2a272f2fa4<img src='http://www.thinkpremierfirst.com/img/%7Ewww.thinkpremierfirst.com/Denver.jpg' align='left' />What is Homeowners insurance? Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Because everyone's needs are not the same, it is best to consult your agen...Wed, 20 Oct 2010 17:19:49 -0500<strong><img alt="" style="float: right; width: 300px; height: 209px; margin-right: 10px; margin-left: 10px;" src="/img/%7Ewww.thinkpremierfirst.com/Denver.jpg" /></strong><strong>What is Homeowners insurance? <br /> </strong> <p>Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.<br /> <br /> Because everyone's needs are not the same, it is best to <a href="/consult.aspx">consult your agent</a>&nbsp;to help assess your needs and find the insurance policy that is right for you.<br /> <br /> Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.<br /> <br /> Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.</p> Contact us for a <a href="http://www.thinkpremierfirst.com/framed.aspx?ref=900">Denver homeowners insurance</a> quote by calling <strong>877-753-6300</strong>.<br /> <br /> <strong>Facts about Denver</strong><br /> <ul> <li>Local boosters named the frontier mining camp on the South Platte River &ldquo;Denver&rdquo; after Kansas Territorial Governor James Denver in hopes of gaining political favor. Unfortunately, Denver had retired by the time they named the town.</li> <li>There were originally three separate towns, with three separate names, where Denver now stands. In 1859, the other names were dropped in return for a barrel of whiskey to be shared by all.</li> <li>Fittingly enough, the first permanent structure in Denver was a saloon.</li> <li>Despite being warned by Indians not to build there, early settlers didn&rsquo;t listen. In its first few years, Denver was destroyed twice, once by fire and once by flood. </li> <li> Denver is one of the few cities in history that was not built on a road, railroad, lake, navigable river or body of water when it was founded. It just happened to be where the first few flakes of gold were found in 1858.</li> </ul> <strong>Facts about Colorado</strong><br /> <ul> <li>The mountainous area of Colorado is six times the size of Switzerland, containing 9,600 miles (15,449 km) of fishing streams, 2,850 lakes, and more than 1,000 peaks two miles (3,218 km) high.</li> <li>The road to the top of the 14,260-foot (4,346 km) peak of Mount Evans is the highest paved road in North America and is maintained and operated by Denver City Parks Department.</li> <li>In 1893, while on top of nearby Pikes Peak, Katharine Lee Bates was inspired to write the words to &ldquo;America the Beautiful.&rdquo;</li> <li>Central City, located about 45 minutes west of Denver, is known as the &ldquo;Richest Square Mile on Earth&rdquo; due to the half billion dollars of gold that was mined there. </li> <li> The Pikes Peak Railway, located about an hour and a half south of Denver in Colorado Springs, is the highest cog railway in the world, traveling 8.9 miles from 6,571 feet to the summit at 14,110 feet. </li> <li> The Colorado Trail is a 500-mile-long hiking trail, stretching from Durango to Denver, and crosses eight mountain ranges, seven national forests, six wilderness areas, and five river systems.</li> </ul> (Source: <a href="http://www.denver.org/metro/facts" target="_blank">Denver.org</a>, Photo Source: <a href="http://www.trumpetguild.org/2004conference/itg2004info.html" target="_blank">TrumpetGuild.org</a>.)