Of all our top picks, The Hartford has the fewest number of discounts: three of them, to be precise, for bundling policies, home security devices, and retirees. But that doesn’t necessarily mean you’ll pay more for your home insurance. Just because a company offers 12 discounts doesn’t mean you’ll qualify for all (or any) of them, so it’s always worth comparing quotes instead of solely counting discounts.
Life Insurance Co Aurora CO 80015

Your homeowners insurance discounts -- Insurance companies offer dozens of discounts. Three of the largest discounts are bundling your home with other types of insurance, such as auto; loyalty, which is staying with an insurance company for at least a few years; and being claims free for a period of time. Note: Insurers usually have a cap on the percentage of discounts you can receive. The limit is often set at 25 percent.
Our Film & Television specialists are well-connected in the entertainment world, and have solid relationships with producers, creative professionals and insurance carriers. We are creative and passionate about each project, and provide innovative products with the dedicated service you need to get your production off the ground. With a list of clientele that include Academy Award and Emmy winners, it's no wonder that Momentous is the trusted broker of choice.

Insurance License


Life insurance companies in the United States support the Medical Information Bureau (MIB),[17] which is a clearing house of information on persons who have applied for life insurance with participating companies in the last seven years. As part of the application, the insurer often requires the applicant's permission to obtain information from their physicians.[18]
Rules of ethics. (You might say this is a simple case of “buyer beware,” but as government investigations have indicated, it’s the misrepresentation that’s the problem. Such investigations have found that brokers do not always consider their clients’ best interests, instead acting primarily in their own interests and those of their favored insurance companies.)
An insurance broker is experienced in different types of insurance and risk management. They help individuals and companies procure insurance for themselves, their homes, their businesses or their families. Brokers may focus on one particular type of insurance or industry, or they could provide advice on many different types of insurance. They provide a service to their customers in helping them find and buy insurance — usually at no cost to their client.
Virtually every state mandates that insurance agents and brokers meet licensing requirements, which normally entails the successful completion of a written examination. Prelicensing educational requirements may also apply, which can vary depending on the state and license type. Separate licenses are necessary for each line of insurance, including Life and Health and Property and Casualty. In addition, agents and brokers may have to meet ongoing continuing education requirements to maintain their licenses.
Green Rebuilding – Increases your policy limits up to 10% when you use green, environmentally friendly materials or processes for repairs and rebuilds after a covered loss. For example, if a room in your home is destroyed by a covered loss, and you decide to repaint it using environmentally friendly paint that has a low VOC, replace flooring that is from an easily renewable resource, and use demolition techniques that are better for the environment , and any extra costs could be covered by this endorsement.

Insurance Comparison Company


While many factors go into calculating your rate, where you live is chief among them. Homeowners in states that are prone to hurricanes, hail storms, tornados and earthquakes tend to pay the most for home insurance. Insurance.com’s analysis of rates from top insurers for nearly every ZIP code in the country bears this out. Florida and Louisiana are the most expensive states for home insurance among six common coverage levels analyzed by Insurance.com. The least expensive states for home insurance are Hawaii and Vermont
"Flexible death benefit" means the policy owner can choose to decrease the death benefit. The death benefit can also be increased by the policy owner, usually requiring new underwriting. Another feature of flexible death benefit is the ability to choose option A or option B death benefits and to change those options over the course of the life of the insured. Option A is often referred to as a "level death benefit"; death benefits remain level for the life of the insured, and premiums are lower than policies with Option B death benefits, which pay the policy's cash value—i.e., a face amount plus earnings/interest. If the cash value grows over time, the death benefits do too. If the cash value declines, the death benefit also declines. Option B policies normally feature higher premiums than option A policies.

In the United States, brokers are regulated by the state (or states) in which they work. Most brokers are required to have an insurance broker license, which involves taking courses and passing an examination. Each state has different requirements for insurance brokers, which a broker must meet to be licensed in that state. Most states require insurance brokers to take continuing education courses in order to maintain their license.
In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400 and Riders: ICC1368050, ICC1368051, ICC1368052, ICC1368053, ICC1368054, ICC1368055. This is a brief product overview only. Coverage may not be available in all states, including New York. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.

Insurance Rates Co Aurora 80015


Brian E. Johnson ACAS, MAAA is the Chief Underwriting Officer for the Nonprofits Insurance Alliance. Mr. Johnson has worked in the consulting, insurance and re-insurance industry for 28 years. Prior to joining the Alliance, Mr. Johnson managed a Treaty Reinsurance Underwriting/Costing team at Swiss Re. Prior to Swiss Re, he was with Employers Re from 2003-2006 as a Senior Underwriter/Account Executive and a Senior Actuary. Mr. Johnson was with American Re from 1996-2003 and held the positions of Underwriting Risk Manager, Treaty Underwriting Manager and Actuarial Manager. He began his career in 1989 in the Actuarial field with Ernst & Young as an Actuarial Consultant in Atlanta and also worked as a Primary Insurance Rating Actuary at USF&G in Baltimore. Mr. Johnson holds a BS in Mathematics/Actuarial Science from Penn State University and is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Mr. Johnson has worked with various nonprofits in the past including serving on the board of the Mid-State Literacy Council in Central Pennsylvania.

Allstate has the second-largest number of additional endorsement options of all our contenders. Those additional endorsements are fairly low-risk: insurance for expensive sports equipment, musical instruments, or landscaping. Notably absent is additional coverage options for earthquakes and theft of other property (vehicles, trailer, watercraft), but the endorsements it does offer can be valuable if you have expensive hobbies or are putting a lot of money into renovating your home’s curb appeal.


Unlike GEICO, Esurance, and other “direct writers”, independent agents are a part of your community and are there to help whenever you need it. Unlike American Family Insurance, Farmers Insurance, State Farm Insurance, and other “captive” agents, an independent insurance agent works with many different insurance companies. Atlas agents automatically compare quotes from up to 50, which saves you time & money.
Simply put, there are six main categories that homeowners insurance covers: your dwelling, other structures, personal property, loss of use, liability, and medical payments. Within each category are particular coverages and exclusions. For example, water damage is covered under “dwelling” as a result of burst pipes or water heater but not as a result of heavy rainfall or flooding (though coverage for the latter can be added separately). And while water damage from the burst pipe is covered, your policy won’t cover the cost of replacing those pipes.
The materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. You should contact a licensed insurance agent or attorney to obtain advice with respect to any particular issue or problem. Use of and access to this Web site or any of the e-mail links contained within the site do not create a relationship between Insureon and the user or browser. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm.

Car Insurance Co


When a mortgage is requested on a home, the homeowner is required to provide proof of insurance on the property before the lending bank can issue him or her a mortgage. The property insurance can be acquired separately or by the lending bank. Homeowners who prefer to get their own insurance policy can compare multiple offers and pick the plan that works best for their needs. If the homeowner does not have their property covered from loss or damages, the bank may obtain one for them at an extra cost. Payments made toward a homeowners insurance policy are usually included in the monthly payments of the homeowner’s mortgage. The lending bank that receives the payment allocates the portion for insurance coverage to an escrow account. Once the insurance bill comes due, the amount owed is settled from this escrow account.

Death benefits are generally received income tax-free by your beneficiaries. In the case of permanent life insurance policies, cash values accumulate on an income tax-deferred basis. That means you would not have to pay income tax on any of the policy’s earnings as long as the policy remains in effect. In addition, most policy loans and withdrawals are not taxable (although withdrawals and loans will reduce the cash value and death benefit).2

By clicking the "FINISH" button above and submitting your online term life insurance quote request to SelectQuote, you are agreeing by your electronic signature to give SelectQuote and Inside Response, Allied Insurance Partners and LiveOps, Inc., your prior express written consent and continuing established business relationship permission to call you at each cell and residential phone number you provided in your online quote request, and any other subscriber or user of these phone numbers, using an automatic dialing system and pre-recorded and artificial voice messages any time from and after your inquiry to SelectQuote for purposes of all federal and state telemarketing and Do-Not-Call laws and your prior affirmative written consent to email you at the email address(s) you provided in your online quote request, in each case to market our products and services to you and for all other purposes. Your consent is not required to get a quote or purchase anything from SelectQuote, and you may instead reach us by phone at 1-800-670-3213.
If you’re in bargain-hunting mode, Liberty Mutual may be a good place to look for homeowners insurance. It offers a long list of discounts — matching leading companies like State Farm, Allstate, and Nationwide in number — that includes some hard-to-find options we appreciated. For instance, Liberty Mutual is one of only two companies on this list, along with the Hartford, that will cut you a deal if you insure your house for 100% of its value. Other unique discounts include savings for new homes, homes with new roofs, first-time insurance buyers, and customers that set up autopay or pay online.

Insurance Company Near Me Co Aurora 80015


Negligence on the part of insurance brokers can have severe effects upon clients when they discover their insurance coverage is worthless, which in turn illustrates why retaining a competent insurance broker is so important. In one case, Near North Entertainment Insurance Services provided alternative rock band Third Eye Blind with a commercial general liability (CGL) insurance policy that excluded coverage for the "entertainment business." After insurance coverage for a lawsuit was denied because Third Eye Blind was and is, after all, in the entertainment business, the California Court of Appeal ruled in a published opinion that the broker had a duty to advise the band it needed something more than a basic CGL policy.[4]
Reviews.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. For more information, please check out our full Advertiser Disclosure. Reviews.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product’s website. All products are presented without warranty.
Your homeowners insurance discounts -- Insurance companies offer dozens of discounts. Three of the largest discounts are bundling your home with other types of insurance, such as auto; loyalty, which is staying with an insurance company for at least a few years; and being claims free for a period of time. Note: Insurers usually have a cap on the percentage of discounts you can receive. The limit is often set at 25 percent.
Yes.  MetLife’s one year term products (including products underwritten by Metropolitan Tower Life Insurance Company and Metropolitan Life Insurance Company ) offer affordable protection when you require insurance for the short term. These products are designed to provide the right amount of protection when it’s needed most, or to supplement a policy you already have. Premium rates can be found here. For more information contact MetLife's Specialized Benefit Resources at 877-638-3932, and press 2 for New Business.
However, not all homeowners insurance policies are the same. The Hartford is the only home insurance company endorsed by AARP. With our flexible options, savings and expert service, you’ll know that your home is getting the best protection possible. Get a homeowners insurance quote today and start saving your money and securing your home with The Hartford.
Independent Agents - Independent insurance agents function identically to insurance brokers in that they represent multiple insurance carriers. The primary difference between brokers and independent agents is that insurance brokerage companies are often larger than independent insurance agencies. However, independent agents and brokers approach the business in the same way, which is that they represent the customer.
The insurance agents at Boomer Benefits work full-time on Medicare-related insurance products. That means our agents are not distracted by trying to sell other specialty forms of insurance. Because of this, we feel confident that our staff members are among the most well-educated Medicare insurance brokers around. We are hands-down the best Medigap insurance broker that we can be.
A broker will help his or her clients identify their individual, family, business or organization liability risks. With this information, a client can make an informed decision about what type of insurance is necessary and how much insurance protection to purchase. A broker can guide clients on these decisions, and provide a range of quotes based on the client’s needs. This includes explaining the terms and conditions and benefits and exclusions for a number of competing insurance policies. Armed with this information, clients can find the most appropriate insurance purchase for their liability needs and budget. Some brokers may even be able to negotiate lower rates for their clients based on their history as an insured and the amount of insurance that they are purchasing. For example, a broker working with a company to obtain workers’ compensation insurance can first assess the type and level of coverage needed (which may be determined in part by state law). The broker can then provide a range of options from a number of insurers, and help the business pick the policy that provides the most coverage at the best price. Over time, the broker can gather and present information to the insurer to demonstrate that the company should be eligible for a lower rate, perhaps because the business’ workplace safety initiatives have lowered the number of workers’ compensation claims made against the policy. In this manner, a broker can help a client reduce its premium cost.
Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 100 Salem Street, Smithfield, RI 02917, and, in New York, by Empire Fidelity Investments Life Insurance Company®, New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third party insurance companies, which are not affiliated with any Fidelity Investments company. Fidelity Insurance Agency, Inc. is the distributor. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.

Insurance Quotes Online

×