Commercial Insurance Insurance Insurance Agent News

Website ADA Compliance

  • We recently learned insurance agents are receiving demand letters regarding their websites not being ADA compliant for the blind. The solution is often just a call to your website provider to add an accessibility menu to your landing page (see bottom left hand corner of the site for example).  If you have a website, please contact your website provider to verify that your website is in ADA compliance. If you are in the market for a new website, please consider our technology partner, ITC, for exclusive pricing for WIAA members (click here for flyer). 
  • Please note carriers have either ended or are ending billing leniency for those affected by COVID-19 which means all billing activities including regular bill cycles, late fees, insufficient fund fees, non-pay cancellations and collection activity will resume. Please contact the carrier billing department directly if your insured is still experiencing economic hardship for available options. See below for list of billing hold end dates by carrier and click on carrier names for more detail where available:
  1. Liberty Mutual: July 15, 2020 for CA, June 22, 2020 for OR and June 15, 2020 for most other states
  2. Hartford: June 1, 2020
  3. Safeco: July 15, 2020 for CA, June 22, 2020 for OR and June 15, 2020 for most other states
  4. Travelers: June 15, 2020 (note that Travelers personal auto customers will also see a 15% credit for their June premiums)
  5. Nationwide: June 15, 2020
  6. AmTrust: June 1, 2020
  7. Berkshire Hathaway (BHHC): July 14, 2020 for CA and June 30, 2020 for all other states
  8. Employers: June 15, 2020
Auto Insurance Commercial Auto Insurance Insurance Insurance Agent News

Fun Auto Purchase Ideas…What is a bug worth?

It’s so easy to love a bug. Check out our new value guide

Last July we told you about a new way we’re engaging with members over our shared love of cars: a resource we call the Hagerty Make/Model Price Guide. Our newest guide is all about the VW Beetle. At a time when cars were being built for power and pride, the Beetle made a huge statement by being small and driving slow. And that’s where the fun began.

Our valuebug-value guides were made using the Hagerty Valuation Tools®. It’s easy for you and members to use these tools to help when quoting Nationwide/Hagerty insurance and to keep track of how values change over time. Use it to engage and retain classic-owning members.

See the VW Beetle guide » 17_oct_hpg_beetle

Ready to discuss auto insurance options for you or your business? Contact our team today at our Denver office at 303–388-7216 or our Castle Rock office at 303–688-1251. You can also send us a message any time and we’ll get back to you as soon as possible.

Insurance Insurance Agent Travel Insurance

Protect Your Rental

Protect Your Rental

When you own a home, you protect your property and belongings with homeowners insurance. But what if you rent the space you reside in? Is it still not your home? Do you not want your property and belongings still protected? Renters insurance is a good way to ensure that your place of residence (even if temporary) and the items within it are covered in the case of unexpected damage and mishaps.

Depending on your insurance agency and the current insurance policies you already have in place, you may be able to include renters insurance as an add-on. By bundling it with a car insurance policy, you may qualify for an extra discount.

Why Renters Insurance?

As with every home — owned or rented — accidents can happen at any time. Having the right renters insurance can protect your abode and everything in it. Purchasing renters insurance will help to protect and cover the follow items:

Personal Belongings & Household Items. Your home isn’t just the walls and roof that protect you; it’s the item inside as well. Clothes, furniture, electronics, and personal mementos are all items that renters insurance will help to protect. Policies vary, but generally you are reimbursed for the full value of the item, before depreciation.

Houseguests and Loved Ones. Aside from yourself, renters insurance works to protect anyone staying in your home at the time of the accident. If people are hurt or damage is done, your renters insurance policy may cover portions of medical bills and repair. Your insurance will also bring peace of mind during this time.

Extended Stay Costs. If your home is rendered uninhabitable, due to a covered cause of loss, your renters insurance will cover the cost of a hotel. While any damage is being repaired, lodging and the cost of meals can be covered under your policy.

protect your rental Just because you don’t own it, doesn’t mean it’s not yours! Protect your home and belongings with renters insurance. Call Insurance Town & Country today and speak with one of our insurance professionals. We will discuss your current living situation and help to assess your homeowners or rental insurance needs. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251). Call us today to schedule your consultation!

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    Frontpage Article Insurance Insurance Agent Insurance Payment Personal

    Back-to-school insurance quotes

    • Open Lowry article - Published by: Living Well in Lowry by neighbors, for neighbors (serving Lowry since 2002)
    • This article is a transcription from the Lowry newsletter by

    Insurance Town and Country: Denver’s Family Owned Insurance Broker

    As a homeowner or business owner, it’s rarely a favorite topic to discuss. It’s hardly ever the first thing you like to spend your money on, and at the same time it’s always a good idea to buy some. We’re talking about insurance.

    Joan Burkett, owner of Insurance Town and Country, says, “It’s the thing you hate to buy, but you’ll love the fact that you have it when something happens.”

    Residential Umbrella InsuranceInsurance Town and Country is a family-owned insurance business serving us in the town (Denver Metro area) and those in the country, specifically the Castle Rock area, since 1997. They are an independent insurance broker business that can shop more than 25 companies to find the best rate for your personal situation.

    Back in 1983, Joan’s husband Norman begged her to get licensed so she could help run his insurance office in Kittredge. She really didn’t want to at first because she didn’t think it was her thing. At the same time, she knew her husband was quite the sales guy and she had a knack for explaining things to people. Maybe Norm was on to something after all?

    The following decade or so proved to be trying at times, but kept Joan and her family on their toes as they rode out the ups and downs of various agencies and insurance firms. Joan is a firm believer in God and she believes everything happens for a reason. “While insurance is not my passion, it helps fund my passions. I’m truly blessed with this opportunity to support myself and help my community.”

    Joan joined forces with her middle son Jeremy in 1997, and shortly thereafter Norman passed away in 1999. Joan and Jeremy’s partnership became a blessing in disguise for her while they both mourned his loss. Jeremy wasn’t easily convinced to join the insurance business either, but it didn’t take long for them to become the perfect business partners. Jeremy’s dream at the time was a career in the NFL. After two years with the New York Giants, though, he returned home with his Mom to get things started. “it’s easier on his knees, ” jokes Joan.

    How is Insurance Town and Country different from other agencies?

    Well, someone will always answer the phone! There’s no 800 number here, it’s personal and we care. Nicole, our account manager, is amazing! If I could clone her, I would,” explains Joan.

    When you visit Joan and Jeremy for the first time, they’ll give you a broad brush review of your individual situation. “We look to see how we can save you money. We can help you understand your current coverage by explaining what you already have. And, sometimes, we even assure you that you’re best off staying put where you are.”

    Now that summer vacation is almost over, some of you will be sending kids off to college and taking an inventory of your current policies.

    Here are some things Insurance Town and Country can help you evaluate this fall.

    Did you know if your child goes to college more than 100 miles from home and does not take a car, you can save money?

    denver insurance choicesHave you considered insuring your child’s big-ticket items that he or she is taking to college?

    • When we went away to school, we may have taken a record player, or a stereo and microwave, but kids today take flat screen TC and laptops.

    Do you understand your healthcare plan? 

    • It’s no secret that the current healthcare system is very difficult for the average person to understand. Let Insurance Town and Country help you navigate the paperwork to determine what you’re really covered for.

    When was the last time you reviewed your coverage and/or your insurance carrier?

    • Joan and Jeremy encourage you to review your policies every three years (not sooner). It’s always a good idea to see how your life and needs change over time, but don’t change providers too often. The next guy might decide not to cover you at all, or you could lose valuable renewal credits.

    Have you recently gotten married?

    • You could save 20% on your insurance by combining your policies under one company.

    How can you pay just one deductible the next time it hails?

    • Make sure your home and auto is on one policy so the next time we have a major story, you only make one claim and pay one deductible for the repairs.

    Yes, insurance companies can be difficult, but you have to be at a place where you can trust your agent and your insurance company. Insurance is not simple so who you choose for an agent does matter. We are invested in getting you a good deal and we want you to have a good claim experience,” explains Joan.

    Insurance Town and Country provides a level of customer service and personal care that the larger companies simply  cannot. While it’s not a buttoned-up office, it’s Colorado-casual by design. They’re approachable and they understand the broad range of their clients, from the young to old.

    We’re small enough to know your name, but we’re big enough to meet your needs,” explains Joan.

    For more information on Insurance Town and Country, visit, or give them a call at 303–388-7216.

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      Insurance Insurance Agent Insurance Payment

      The Benefits of Long-Term Care Insurance

      Benefits of Long-Term Care Insurance

      Retirement. A time of relaxation.  A time of having no more cares or concerns. A time when you are supposed to finally be able to rest after working so hard for so many years. But what happens when advanced age has an effect on your plans and costs pop up in your time of relaxation? Is your current Medicare insurance going to help you pay for these unforeseen costs? The answer is mostly likely no. Even with Medicare insurance, there will be healthcare needs that unfortunately will not be met as one might expect transitioning into retirement. According to Genworth’s 2015 “Cost of Care” Survey — the average retiree in Colorado will have anywhere from an additional $17,000-$90,000 annually in retirement-specific costs. These costs include payment for Homemaker Services, Home Health Aide, Adult Day Health Care, Assisted Living, and Nursing Home.

      So how is a person supposed to manage all of these expenses? Insurance Town & Country recommends looking into Long-Term Care Insurance. This type of insurance will help manage the costs of all the services that Medicare will not cover.

      Depending on the coverage of these Long-Term Care Insurance plans, the plans and premium can vary. Knowing which plan is right for you will further help to manage the costs associated with retirement. That starts with knowing your own budget and taking into consideration the affordability of the premiums (which can increase with age). What can you afford on a monthly basis? Do you have substantial assets? How much flexibility do wish to have in your choice of care? All of these questions should be considered when looking into Long-Term Care Insurance. The main goal is to help you remain independent for as long as possible.

      Insurance Town & Country is available to help you make the best decisions regarding your retirement. Our experienced insurance experts will help you consider your options for Long-Term Care Insurance and assist you in selecting the plan that’s right for you. Call us today to schedule your consultation, and let your retirement be relaxing! We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).

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        Auto Insurance Commercial Auto Insurance Insurance Insurance Agent Insurance Payment

        The Basics of Commercial Insurance

        Right Coverage for your Commercial Insurance

        As a business owner, it is important to ensure all aspects of your company are insured.

        Addressing these concerns and the need for insurance early on can potentially save you a few bucks and prevent additional worry.

        Determining the kinds of coverage you need is the first step. Professional liability? Worker’s compensation? Commercial insurance? Chances are that if you own a business and have a vehicle that is used for work purposes, you or your company will need to carry commercial  insurance. Since this type of insurance can be vital to your business, you will want to work with an independent agent who can help you determine the best protection for your company, taking into consideration both industry and size of the business.

        Below are a few tips to help you find the agent that will help you find the right coverage:

        Commercial Insurance Auto Accident

        • Unbiased is Best! An independent agent represent several difference insurance companies, allowing them to compare and contrast several different package options for your company’s needs. As opposed to a captive agent–who only represents one insurance company–an independent agent can be more flexible, finding the best fit for your business.
        • Go World Wide — on the Web. Visiting the website of a larger insurance company can provide further insight to available coverage options. From there, look locally for an agent close to home.
        • Ask Around. It’s quite probable that fellow business owners or professional acquaintances are using insurance agents for the same reason you need to use them. Ask for a referral and get a trusted suggestion.

        Regardless of your choice of agent, keep in mind that your insurance needs are unique to your business. There is no “one size fits all” option. As your business grows and changes, your coverage needs will do the same. Be sure to follow up with your agent to ensure your protection is up to date.

        Call Insurance Town & Country today and speak with one of our insurance professionals. We can help you determine the commercial auto insurance that best suits your company’s needs. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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          Auto Insurance Commercial Auto Insurance Insurance Insurance Agent Insurance Payment

          Auto Insurance: TRUE or FALSE?

          Auto Insurance: TRUE or FALSE?

          Rushing to buy car insurance is like Auto Insurance Investigation is it True or Falseplaying a board game without reading the rules. While you may feel the need to be “covered” and get in the game, some of the important details may get overlooked. Not fully understanding your auto insurance can lead to further confusion and frustration later on. The more informed you are, the better choices you will make. Below are some common “TRUE or FALSE?” statements to consider when buying car insurance.

          TRUE or FALSE: Everything is paid for with “full coverage.”

          False! According to the, there is no such thing as full coverage auto insurance. Some policies may combine state-required liability, collision and comprehension coverage–but even with this, the details and protection will vary.

          TRUE or FALSE: Get as many auto repair estimates as possible.

          Sometimes true, sometimes false! This one depends on your insurance. Some insurance companies only require that you use an “in-network” auto repair shop. However, if you know you will be paying out of pocket, it won’t hurt to shop around for a good deal.

          TRUE or FALSE: Getting into an accident automatically increases your premium.

          False! This one also depends on your insurance and how your insurance provider determines your rate. Multiple factors such as your car and your driving history can have an effect on whether your rate increases, decreases, or stays the same.

          TRUE or FALSE: I can lend my car to anyone. My insurance will cover it.

          Not necessarily. If none of the parties involved have optional physical damage coverage, you might be having to pay out of pocket for any vehicle damage.

          TRUE or FALSE: My new car is automatically covered by my previous auto insurance.

          False! Whether you are buying a new car or simply adding another vehicle to your policy, you must notify your insurance agent. Often you have 30 days to do so.

          Call Insurance Town & Country today and speak with one of our insurance professionals. We can help you review your policy and ensure you understand all the fine-print details! We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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            Insurance Insurance Agent Insurance Payment Work Comp

            Protect Your Employees with Workers Comp

            Workers Comp Insurance

            Protect Your Employees with Workers CompIf you own a business, you understand the value and importance of your employees. You also understand the needs of protecting your own employees with Worker’s Compensation Insurance. Simply known as “workers comp” — this type of insurance will protect both your employees and your business from various on-the-job mishaps. Although subject to specific terms and conditions, Worker’s Compensation can cover financial obligations such as:

                        • An injured employee’s medical expenses/treatment
                        • The replacement of lost wages from injury time off
                        • A company’s legal fees in the case of a lawsuit


            WHY GET IT?
            Aside from many businesses requiring workers comp insurance, most states require this type of insurance by law as well. These laws are designed to ensure that employers are covering some part of the payment for workers’ on-site injuries or even possible occupational health risks.

            WHAT ARE THE BASICS?
            Worker’s Compensation will usually only cover on-site or work-related injuries and illnesses. However, it is important to know your industry and check your policy because “work-related” can have a wide array of meaning. Accidents including heavy machinery, wet or oil surfaces, fire and explosions, and even simple slip ups with a stapler can all be considered under the blanket of Worker’s Comp. If your company does not offer Worker’s Compensation, these type of injuries or illnesses that occur on the job could lead to an employees suing your company for damages.

            Call Insurance Town & Country today and speak with one of our insurance professionals. We will discuss to you the various insurance policies needed to keep your business and its employees protected! Protect Your Employees with Worker’s Comp. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251). Call us today to schedule your consultation!

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              Commercial Auto Insurance Insurance Insurance Agent Motorcycle Insurance Travel Insurance

              Take Care of Your Toys

              Commercial Insurance For Your Big Toys

              No longer are the days of tricycles and scooters. You are a grown-up. Your toys are much bigger now.

              ATVs, snowmobiles, golf carts, personal water vessels. Whatever your extracurricularToys vehicle of choice is, it is important to make
              sure you have the proper coverage for it. Unless you have a separate garage with lock and key for your big-kid toy, you run a higher risk of damage or even theft. Having commercial insurance will ensure that your weekends of boating or off-road won’t be ruined.

              With specialized ‘toy’ commercial insurance, you and your motor vehicle of choice may be covered regardless of your location. If you bundle it with your homeowners insurance, you could end up facing costly repair bills should an accident occur away from home. Having a stand-alone, specialized policy will provide coverage beyond the basics and ensure you don’t get caught paying out of pocket for things like towing or accessory theft.

              No one wants to have their toys broken or taken away from them, so remember: if you can’t afford to insure them, you probably can’t afford to have them!

              Call Insurance Town & Country today and speak with one of our insurance professionals. We can help you determine what kind of coverage and services you need to keep your toys intact!We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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                Insurance Insurance Agent

                BUY LOCAL

                Need Help in Your Insurance Hire A Local Agent

                How Our Local Agent Can Help You With Your InsuranceAs consumers, we do our best to research the facts and consider our options. However, sometimes we are still left with questions. We need more answers. We need further clarification. This is where the local agent professionals come in.

                When you are making a big purchase, such as car insurance, working with a professional local agent can help to ease a lot of your trouble. An insurance agent will work with you on determining which insurance — type and amount — fits your needs.  An independent local agent — such an Insurance Town & Country — can take it one step further and help you sift through the many options of insurance providers. Using a local agent will allow you to carefully select financially sound and reputable insurance providers.

                Once you are ready to discuss your options for automotive insurance, the professionals at Insurance Town & Country can help you when considering the following questions:

                Tips On How A Local Agent Can Help You

                • How old is your vehicle? The age of your car can determine the amount of coverage needed. As your vehicle ages, the cost on your policy may be able to be lowered. There might also be the chance for raising your deductible and saving on monthly payments.
                • Have you had any big life changes recently? Moves, marriages, and birthdays are all cause for celebration — and possible deductions! Let your insurance agent know of any recent changes. There could be savings waiting for you.
                • Are you a multi-vehicle owner? Packaging insurance for multiple vehicles could help you get a discount. Whether you own multiple cars, boats, bikes, RVs or the like, they all need insurance.
                • Are all of your assets covered? Aside from your vehicles, insurance needs come in many forms. Whether it’s your home, business, pet, or life, be sure to discuss with your local agent any additional policies you and your family might need.

                Call Insurance Town & Country today and speak with one of our insurance professionals. We can help maximize your selection and savings when it comes to choosing the insurance policy for your needs. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251). Call us today to schedule your consultation!

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