We are in the middle of Engagement Season! Getting engaged is a big step for a couple and starts a very exciting time in a couples life. While everything is exciting and can get hectic, it is very important to take a moment to look into insurance for your engagement ring!
If you have renters or home insurance you are already part way there! But be careful most Home/Renters insurance policies will have a limit on what they will pay out if the ring is stolen. You can add an extension to your insurance. This is the most common way people insure their rings but you can also get a special jewelry insurance.
Before either of these options you must get your ring appraised. The appraisal must include details about carat weight, cut, color, shape of the ring/stones etc. Once you present this to your insurance agent they can get a policy going for you. (You should get your ring appraised every few years just in case the value has gone up.)
Is the ring covered if you lose it accidentally? YES!
Is the ring covered if it is stolen? YES!
How will the company replace the ring? This varies one which insurance plan you go with but most likely they will reimburse you for the limit it was insured for.
Is the ring insured to full cost or a fraction of it? If you get a proper appraisal to your agent you will get coverage for the full amount! (This is why it is important to get it appraised every few years so you always have full coverage.)
How will you need to prove the ring vanished if you make a claim? When giving the claim you need to give as many details as possible about when it went missing or when the last time was that you had it.
May is Motorcycle Safety Awareness Month. Do you have the correct coverage and safety measures to be out on the open road? Make sure to check with your insurance agent today!
Below are a few safety tips for new riders and reminders for those seasoned riders out there.
- Don’t buy more bike than you can handle.
- Invest in antilock breaks.
- Hone your skills.
- Use your head.
- Wear the right gear.
- Be alert.
- Avoid bad weather.
- Watch for road hazards.
- Be ready to hit the open road.
For more information click the link below.
In honor of May being ALS awareness month Intermountain West Insurance “GAVE BACK” to Daniel Olds to get him to his goal of raising $400. Daniel ran the 2017 Colfax Half Marathon this last weekend in his mother’s honor. His mother, Teri Olds, passed away in 2001 after battling with ALS for two years. Teri was also the aunt of our very own Kylie Wagner. The ALS Association is near and dear to her family’s hearts and we are honored we could help support her cousin as he ran in honor of his mother and raised money for The ALS Association.
ALS is a terminal disease and is commonly known as Lou Gehrig’s disease. ALS is a disease that affects the nerve cells in the brain and the spinal cord. Motor neurons go from the brain to the spinal cord and then distributed to muscles throughout the body. ALS causes the motor neurons to deteriorate and the ability of the brain to initiate and control muscle movement is lost. Most patients often lose the ability to speak, eat, move and have a difficult time breathing on their own. As of right now there is no known cause for ALS and no cure.
The ALS Association provides much needed patient services resources, funds global – cutting edge research and so much more to help those living with ALS and their families. You can learn more or donate to the cause by clicking the link below.
Your referrals mean the world to us. We work hard to earn each referral with great service and appreciation for your business every day. As our way of saying thank you, we’ve launched our “GIVE BACK” referral program. We love supporting the charitable efforts in our community, so we’ve tied referrals and charitable giving together. Here’s how it works:
Each time we receive a referral from you, you will receive a $5 AMAZON Gift Card. Then we will “GIVE BACK” $5 to a charitable organization.
What qualifies as a referral? A referral is when we are contacted for a quote at 844-219-0058 from someone saying you referred them to us. Don’t worry we ask on every call.
Intermountain West Insurance is delighted to announce the expansion of a new branch in Greenwood Village, Colorado! It will be our pleasure to serve you at our new location with the same quality and service you have come to expect of us. With the opening of this new location, Intermountain West Insurance welcomes Kylie Wagner and Kenyon Hayward to our family. Kylie comes to the agency with several years of customer service with a friendly attitude and the ambition to resolve problems and questions as efficiently as possible. Kenyon is a fully-licensed agent specializing in Auto & Home insurance. She has a friendly attitude and the drive to meet all your insurance needs! We are very excited to have them both on board and can’t wait to see them in action.