A Horse of a Different Color

Home Insurance in Castle Rock is not too tough to come by. Finding a good insurance company that you trust and that will stand by you for the long haul is. Go farther out; out to Sedalia, Elizabeth, Kiowa or Elbert and it becomes *$@% near impossible!

Farm Bureau Insurance is a “Horse of a Different Color” though. In many ways, we’re more like a family than an insurane company. When other companies are looking for ways to cut their losses after this years disasterous summer of fires and hail, Farm Bureau is more known for looking for ways to get our insureds paid!

Let me give you an example. When I started as an agent here, they gave me a few existing clients to look over. One of them, had a little modular on his property next to his home, that he was renting out. Now if you have a rental, you don’t need liability on the policy, you can extend it from an endorsement on your Homeowners policy and just have a “Dwelling” policy that just covers the rental structure. Much more economical. This particular homeowner though just had the liability endorsement covering the rental on his Homeowners policy and his Dwelling policy with Farm Bureau had expired. Not a big deal, as he could get a dwelling policy anywhere, but the underwriter asked me to check it out.

I spent three months trying to reach him; e-mails, phone calls, voice mails, letters; all unanswered. Finally I got him on the phone. It turns out he was in ministery and spent most of his free time taking youth on missions all over the United States.

After a brief introducton and bit of conversation, I asked him who had the dwelling policy on his modular. He replied: “You do, why?”. Then I explained; “No we didn’t”. That it had cancleled a while back, after sending cancel notices with out ever getting a responce.  He then said he’d be right over to bring it back on line.

 

I was feeling good that I found him and emailed the underwriter saying so. Telling her also it was also good we’d been able to get this taken care of before there was a claim. She responded; yes that is was good it was taken care of, but informed me then that there had been a a calim.

A few months earlier there had been a roof claim on the property. Over $40,000 in damage to all the roofs, of all the structures on the property, including the roof of the modular for which the policy had lapsed! She then told me that Farm Bureau went ahead and covered the roof anyway. Hard to believe in this day and age!

That’s why I represent them and that’s why Farm Bureau is a Horse of a Differeent Color!

Insurance Castle Rock – Robert Estes Farm Bureau

Insurance, farming, ranching and life in general. Hello World! This is my first Post. Please bear with me as I figure all this out!

Robert Estes, Farm Bureau Insurance, 3740 Dacoro Lane STE 145, Castle Rock, CO 80109, 303-688-5193 Behind the theaters, in Castle Rock. West of the factory outlets.
Time is critical. I don’t have any to spare and neither do you. The kids are growing up too fast and they’ll be gone before we know it. Why waste time worrying about your insurance? Because it protects your standard of living! With all the fires and hail this summer, I need to be your best friend. Call me with questions. Night or day. Let me worry about it. That’s my goal. To make sure you are covered right, all the risks are known and you have a plan. Then we both can sleep at night. Maybe even take some time off to play tomorrow!

Home Insurance

Is your replacement cost right, do you have all the discounts, what about your toys? Are there category limits; guns, collections, we have to be concerned with?

Auto Insurance

Kids moving back Home? Is your name on the title of all the cars? Do you have insurable interest? If not, you could pay all the premium you want and your company could walk from the claim. That’s what I do! I look out for you.

Life Insurance

How much do you need? A little a lot? Lets check it out and see. What buys life insurance? Money? Not a chance. Health buys life insurance. Try buying some the day after the checkup shows a little lump that “We’re concerned about”. Put some on today when you are healthy. That stuff at the office goes away when you leave. The Bureau of labor Statistics says a person born between 1957 and 1964 will hold 11.3 jobs prior to age 46. Our kids are working as temps, 1099s or Interns. What about them? Get some quick!