Protect Everything That Matters With One Smart Decision
Trusted By Homeowners & Drivers For Over Three Decades
Our 97% client retention rate reflects our commitment to personalized solutions, expert guidance, and genuine care for your protection needs.
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97% Retention
Customers stay with us year over year over year
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We work for you, not insurance companies
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Fort Collins owned & operated since 1992
Think of Bundling As Your Protection Safety Net
Insurance is something you hope you'll never need, but when life happens, you'll be glad your bundle provides comprehensive protection across your most valuable assets.
The Fender Bender in the Grocery Parking Lot
Lisa was backing out of a supermarket parking space when she heard the crunch. Her bundled auto policy immediately went to work, handling the $3,200 repair bill for the other driver's car. Instead of facing thousands in out-of-pocket costs, Lisa only paid her $500 deductible, and the claims process was streamlined because she had both her auto and home with the same carrier. Her agent handled everything, and she was back to her normal routine within days.
When Hail Strikes Without Warning
The Thompson family was away for a weekend when a severe hailstorm hit their neighborhood. They returned to significant damage to both their roof and both vehicles parked in the driveway. With their bundled policy, they made just one call to their agent who coordinated both claims simultaneously, ensuring consistent coverage for all damaged property. Their bundle also included special provisions for weather events, meaning they avoided the surprise of separate percentage-based deductibles that many homeowners face with standard policies.
The Kitchen Fire That Could Have Been Worse
When Mark's kitchen caught fire from an electrical fault, the damage extended beyond just the kitchen cabinets. Smoke damaged furniture and clothes, and water from firefighters affected flooring throughout the home. Their bundled policy not only covered home repairs but also provided temporary housing in a fully-furnished rental and covered additional living expenses while repairs were underway. Having one carrier for both home and auto meant Mark's agent knew exactly how to maximize coverage for temporary transportation needs and ensure nothing fell through the cracks during a stressful time.
Build Your Perfect Protection Package
Comprehensive Coverage: Protects Against Damage Not Caused by a Collision
Risks like theft, hail, vandalism, and falling objects often aren’t covered by basic insurance. Comprehensive coverage fills these gaps, shielding you from costly surprises beyond typical accidents.
Other Structures Coverage: Protects Your Sheds, Fences, Detached Garages, and More
If a windstorm, fire, or even a falling tree damages a structure on your property that's not attached to your home, Other Structures Coverage steps in. It fills the protection gap for garages, sheds, fences, and more—so you don't have to cover the cost alone.
Personal Property Coverage: Protects What’s Inside Your Home and Car
If fire, theft, or a sudden accident damages or destroys your belongings, personal property coverage helps you repair or replace them. It’s peace of mind for your valuables and everyday essentials—without second-guessing what’s covered.
Additional Living Expenses Coverage: Pays Your Extra Costs When Home is Unlivable
If fire, storm, or major damage forces you out, your policy helps cover temporary housing, meals, and other necessary expenses so you don’t end up paying out-of-pocket for life’s basics during repairs. Peace of mind for when the unexpected disrupts your life.
Medical Payments Coverage: Pays Your Medical Bills Fast After an Accident—No Matter Who’s at Fault
Accidents happen in a split second, and medical bills can pile up just as quickly. Medical Payments Coverage gives you immediate help with hospital and ambulance bills—whether you or your guests are hurt in a car accident or at your home. It takes pressure off your health insurance and covers gaps that liability doesn’t.
Personal Injury Protection: Pays Your Medical Bills After a Car Accident—No Matter Who’s at Fault
Car accidents can happen anytime, leaving you or your passengers facing unexpected medical bills. Personal Injury Protection steps in immediately so you’re never stuck paying these expenses out of pocket, regardless of who caused the accident.
Smart Coverage Strategies For Your Life Stage
The right bundle balances immediate savings with complete protection. Your needs evolve over time, and your insurance strategy should too.
New Homeowner / First-Time Bundler
As you combine homeownership with your existing auto coverage, focus on understanding the true replacement cost of your new home, not just its market value. Many first-time bundlers are surprised that their dwelling coverage should include rebuilding costs, which can exceed purchase price in many markets.
Smart moves include documenting your home's features with photos, installing monitored security and fire detection systems for additional discounts, and considering how your commute affects your auto rates. Request quotes with different deductible options to find the right balance between monthly premium and out-of-pocket risk.
Growing Family With Evolving Needs
As your family grows, your exposure to risks increases along with your asset value. Your vehicles may include family-friendly SUVs or minivans with higher replacement costs, while your home likely contains more valuable possessions than when you started out.
This life stage demands attention to liability protection across both policies. Consider how an umbrella policy can supplement your bundle by extending liability coverage beyond standard limits. Evaluate coverage for outdoor structures like playsets, review auto policy for provisions covering children's items in vehicles, and ensure home coverage includes protection for expensive electronics and specialized equipment for hobbies or home businesses.
Established Homeowners / Multiple Assets
After years of building your life and accumulating assets, your insurance needs become more complex and the financial stakes are higher. Your home likely contains valuable items collected over decades, and you may own higher-value vehicles or multiple properties that need coordinated protection.
Priority moves include scheduling high-value items with specific coverage, considering guaranteed replacement cost for both home and auto policies to combat inflation, and implementing a comprehensive risk management approach. Many established bundlers benefit from working with an agent to secure special endorsements for roof replacement cost, reduced deductibles for weather events, and specialized coverage for collections, watercraft, or secondary properties.
The 3-Question Coverage Framework
Ask yourself these three questions for every coverage option:
1. What exactly am I protecting?
Start by taking inventory of everything you need to protect - your home's structure, personal property, vehicles, and liability exposure. Most people underestimate replacement costs by 20-30%, especially for homes in busy areas where rebuilding costs have climbed sharply. Consider that rebuilding often costs more than market value.
2. What risks am I most vulnerable to?
Different areas face different threats - some regions see more weather damage while others have higher theft rates. Understanding your specific risk profile helps determine where you need enhanced coverage. Weather-related claims in particular require scrutiny of deductible structures, as many carriers use percentage-based deductibles that can significantly increase out-of-pocket costs.
3. What's the true cost-benefit analysis?
Look beyond the initial premium savings. The best bundles provide both upfront discounts (11-26% on average) and long-term advantages like simplified claims, single deductible options for related incidents, and loyalty benefits. Higher-retention bundled policies often receive preferential treatment when carriers are reducing exposure in high-risk areas.
🚩 Red Flags: When Bundle "Savings" Could Cost You More 🚩
Percentage-Based Deductibles: Many carriers now apply separate percentage deductibles (typically 1-2% of dwelling value) exclusively for weather events. This means a $350,000 home could require a $7,000 out-of-pocket payment before coverage begins - significantly higher than standard deductibles. Look for bundles offering fixed-dollar deductibles instead.
Actual Cash Value (ACV) Roof Coverage: 70% of standard policies now limit roof claims to depreciated value rather than replacement cost. On a 10-year-old roof, this could mean receiving only $5,000 for a $15,000 replacement. Quality bundles offer replacement cost options.
Inadequate Liability Limits: The standard $300,000 liability limit in most bundles falls short when serious injuries occur. Medical costs and legal settlements regularly exceed $500,000, putting your assets at risk. Consider bundles that include umbrella options.
Carrier Financial Stability: Some carriers offering dramatic bundle discounts have been exiting markets or raising rates substantially at renewal. Research carrier ratings and market commitment before bundling.
The Economics Of Bundled Protection
Understanding what drives your premium costs and saving opportunities helps you make strategic choices for both immediate and long-term financial protection.
Cost Comparisons
Hail Damage to Roof and Vehicle:
With quality bundle: $1,000 (single deductible option)
With separate policies: $3,500+ (1% roof deductible + auto deductible)
Liability Claim From Visitor Injury:
With bundle + umbrella: $0 out-of-pocket up to $1M coverage
With standard separate policies: Any amount over $300K limit
Annual Premium Savings:
Average bundle discount: 11-26% ($250-$600 annually)
Additional multi-policy benefits: Single deductible options, claim forgiveness, enhanced loyalty benefits
The Real World
95% retention rate for bundled policies versus 85% for non-bundled coverage, showing that people who bundle stay with their carrier longer. This loyalty advantage can be crucial when carriers are reducing their exposure in challenging markets.
$600 average annual savings when bundling home and auto policies compared to purchasing separately. This amounts to $6,000 over a decade - enough to cover most homeowners deductibles if needed.
70% of carriers now use Actual Cash Value (ACV) for roof coverage rather than replacement cost. This makes choosing carriers who offer replacement cost options in their bundles increasingly valuable as your roof ages.
32% of regional carriers reduced exposure in higher-risk areas by non-renewing policies. Bundled policies typically receive preference for retention due to their higher overall value to carriers.
Get The Right Bundle, Not Just Any Bundle
Compare customized home and auto bundles from 26+ top-rated carriers through our independent agency, with 97% of clients choosing to renew year after year.
FAQs
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