Premier Mountain Insurance is a top-rated independent insurance agency located in Denver, Colorado, specializing in auto insurance, home insurance, business insurance and life insurance. Although headquartered in Denver, we are well-equipped to service clients in Arvada, Aurora, Brighton, Boulder, Castle Rock, Commerce City, Highlands Ranch, Littleton, Longmont, Loveland, Ken Caryl, Parker and all other towns across Colorado.
We represent a number of top-rated insurance companies, which allows us to tailor your insurance portfolio to your specific needs. Whether it is personal insurance or business insurance, independent insurance agents will carefully examine your situation. Then help you implement all the proper coverage you need to stay protected. Premier Mountain Insurance is an insurance agency that can help you with just about all of your insurance needs.
We specialize in both personal insurance and small business insurance. When it comes to personal insurance we are your one stop shop for car insurance (auto insurance), home insurance, renters insurance, motorcycle insurance, landlord insurance, specialty insurance and umbrella insurance.
We represent a number of top-rated insurance companies, which allows us to tailor your insurance portfolio to your specific needs. Whether it is personal insurance or business insurance, independent insurance agents will carefully examine your situation. Then help you implement all the proper coverage you need to stay protected. Premier Mountain Insurance is an insurance agency that can help you with just about all of your insurance needs.
We specialize in both personal insurance and small business insurance. When it comes to personal insurance we are your one stop shop for car insurance (auto insurance), home insurance, renters insurance, motorcycle insurance, landlord insurance, specialty insurance and umbrella insurance.
Services
With over 10 years of experience in the insurance industry and a lifetime of Colorado experience, our agency is uniquely qualified to help you with your personal and commercial insurance needs in Colorado.
Our agency specializes in helping families, businesses and property owners find the right insurance for their needs.
We are a small, family-owned independent insurance agency in Denver, Colorado, under the umbrella of Insurance Producers Network - a large, multi-state, multi-location insurance agency.
Our agency specializes in helping families, businesses and property owners find the right insurance for their needs.
We are a small, family-owned independent insurance agency in Denver, Colorado, under the umbrella of Insurance Producers Network - a large, multi-state, multi-location insurance agency.
Auto insurance is a type of insurance that is mandated by state law in Colorado.
All drivers are required to carry minimum limits of at least $25,000/$50,000/$15,000.
Most drivers should carry auto limits that are higher than the state requires due to the earning potential and assets of individuals.
The state minimum insurance limits represent bodily injury maximums per person ($25,000) and per accident ($50,000).
If you injure another person in a car accident and the medical bills, lost wages and pain and suffering exceed $25,000 in costs, YOU would likely be held personally liable for claims over your limits.
All drivers are required to carry minimum limits of at least $25,000/$50,000/$15,000.
Most drivers should carry auto limits that are higher than the state requires due to the earning potential and assets of individuals.
The state minimum insurance limits represent bodily injury maximums per person ($25,000) and per accident ($50,000).
If you injure another person in a car accident and the medical bills, lost wages and pain and suffering exceed $25,000 in costs, YOU would likely be held personally liable for claims over your limits.
Liability insurance covers bodily injuries and property damage suffered by another person or persons when you are found responsible for a car wreck.
In the case of bodily injuries, liability insurance covers medical expenses, pain and suffering and lost wages of another person or persons.
In the case of property damage, liability insurance covers repair or replacement of another person's car and other damaged property.
Coverage is limited to the limits of your policy.
If your policy covers $15,000 of property damage and the cost of replacing the other driver's car is $40,000, your policy will pay $15,000, and you are responsible for the remaining $25,000.
In the case of bodily injuries, liability insurance covers medical expenses, pain and suffering and lost wages of another person or persons.
In the case of property damage, liability insurance covers repair or replacement of another person's car and other damaged property.
Coverage is limited to the limits of your policy.
If your policy covers $15,000 of property damage and the cost of replacing the other driver's car is $40,000, your policy will pay $15,000, and you are responsible for the remaining $25,000.
Not all classic or antique cars are used the same, so Premier Mountain Insurance will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.
Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible.
This type of coverage is much better than "actual cash value" or "stated value" that you may get with some companies.
Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible.
This type of coverage is much better than "actual cash value" or "stated value" that you may get with some companies.
Comprehensive coverage on your personal auto policy provides extensive coverage to your car.
Comprehensive coverage can sometimes be referred to as comp or "OTC - Other than Collision".
When someone says, "full coverage auto insurance", that normally implies comprehensive and collision coverage.
When you think of the damages that can occur to your car, they tend to fall into two categories, collision and 'other than collision'.
Comprehensive is normally less expensive than collision and it's not uncommon that consumers carry a lower deductible for comp.
Comprehensive coverage can sometimes be referred to as comp or "OTC - Other than Collision".
When someone says, "full coverage auto insurance", that normally implies comprehensive and collision coverage.
When you think of the damages that can occur to your car, they tend to fall into two categories, collision and 'other than collision'.
Comprehensive is normally less expensive than collision and it's not uncommon that consumers carry a lower deductible for comp.
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