Are you an investment property owner? If so, you need property insurance on your dwelling. Most people don’t use the insurance term “dwelling”, but technically the definition is your property’s structure, not its contents or the land it is built on. To find coverage, your best bet is to find a trusted and experienced independent insurance agent in Denver, like the Noel Selewski Agency.
Why an independent insurance agent?
There is a big difference between an independent insurance agent and a single-brand insurance company. It’s important to understand the benefits of finding an independent agent.
First and foremost, an independent insurance agent is on your side and works for you, reviewing many different insurance companies’ rates and coverages to find your best options. A single-brand insurance agent will only be able to provide coverage from the company they work for, which may not be the best coverage or price for your needs.
Working for you
An independent insurance agent sorts through many different insurance carriers to provide you with the coverage options and rates for your unique requirements. It may seem simple, but the insurance world is full of complex terminology and nuances. Your independent agent will be your specialist advocate with the knowledge and experience you need.
Independent insurance agents know that insurance can be a confusing and complicated subject, especially when you don’t deal with it on a regular basis. Independent agents strive to make sure that you fully understand your policies, exactly what is covered, and the appropriate deductibles and coverage limits you should carry. Agents with the Noel Selewski Agency know our work doesn’t end when we issue your policy – we are available during the entire policy period to answer any questions about your coverage and make recommendations and changes if necessary.
Knowledge of your local community in Denver proves its worth when evaluating what it will take to protect your investment property. They will understand the local weather conditions and recommend the preventative measures and protection that are right for you and your area.
Convenience of one-stop shopping
An independent insurance agent can help you obtain all the coverage you need, not just for your investment property. You can rely on them to be your single source for all your needs. Relying on one agency for all your insurance needs provides you with the convenience and simplicity for any questions you may have.
One of the key indicators in finding a trusted company is how many years they’ve been in business. Smart consumers research companies on Google and Facebook in addition to asking friends and co-workers for referrals. We take our reputation seriously, and that means a commitment to individual client needs, and meeting them with products that we use ourselves.
Specialists and Knowledge
If you break your arm, you don’t go to the nearest walk-in clinic for help. It’s just smart to go to an industry specialist when you need specialized information and support. An independent insurance agency like the Noel Selewski agency has the specialists to find the best carrier based on your specific needs and wants.
Saving time, money and headaches
It may be tempting to succumb to a promising deal that sounds like it can save you hundreds of dollars in just a few minutes; however, working with an independent agent will prove more cost-effective in the long run. They will not “oversell” you on coverage you don’t need, but provide their best recommendations for your exact requirements.
What’s the difference between replacement cost and market value coverage?
One of the most common questions investment property owners have is the difference between market value and replacement cost insurance. Market value is the approximate price your property could be sold for today. Zillow, an online real estate website will show an estimate of your property’s worth based on the information they have on your property.
Replacement cost coverage provides additional insurance to rebuild or repair your investment property after an insurable event up to the level it existed. This additional protection is to cover you in case of fluctuations in the cost of rebuilding.
Peace of mind
The last thing you want to risk is your family and property. The right independent agency can give you the peace of mind you deserve at the best price and with the very best customer service. You will feel confident choosing a partner like the Noel Selewski Agency that you can put your trust in.
Our independent agents advise and provide the best services for these insurance products and more in Denver, Colorado:
- Landlord Protection Insurance
- Real Estate Owned (REO) Property Insurance
- Tenant Occupied Insurance
- And more
Contact us today to speak to an agent about the best property insurance product for you.
Looking for insurance in other areas? Learn more about coverage for you in your area: