The wrong insurance advisor can cost you everything. Learn how to choose one who protects your home, assets, and future.
Most Insurance Advisors Sell You a Policy. We Build a Protection Plan.
Over 80% of families are walking around with the wrong coverage—thinking they’re protected, until one bad claim shows them otherwise.
It’s not their fault. The system is built around fast quotes, flashy ads, and “savings” that leave your biggest assets exposed.
If you’re in Colorado or Wyoming and aren’t 100% sure your insurance covers what it should, this post is for you. Let’s talk about how to choose an insurance advisor who’ll do more than sell you a piece of paper—and why it matters more than most people realize.
The “Good Enough” Trap That Costs Families Everything
One of our clients came to Summit after years with a big-name company. No claims, no problems—or so they thought.
When we reviewed their policies, here’s what we found:
- Their home was insured for market value, not replacement cost—meaning tens of thousands wouldn’t have been covered if their house burned down.
- Their auto liability limits were too low, putting their future income at risk in a major accident.
- They had no umbrella policy, leaving all their assets exposed in a lawsuit.
We fixed it all before disaster struck. But if they hadn’t questioned their advisor, they would’ve learned the hard way.
What Most People Miss When Choosing an Advisor
1. It’s Not About Who Has the Lowest Price
A cheap policy might save you $20/month—but cost you everything when it matters. The right advisor doesn’t just chase discounts—they make sure your coverage fits your risks and your lifestyle.
2. Coverage Gaps Hide in Plain Sight
Policies are full of fine print and assumptions. Most agents don’t explain:
- Actual cash value vs. replacement cost
- How liability limits affect your income
- What happens if you file the wrong kind of claim
The right advisor shows you what’s missing before you find out the hard way.
3. “One-and-Done” Agents Leave You Behind
Life changes. Your coverage should, too. If your advisor hasn’t reviewed your policy in years, you’re likely underinsured right now.
Who Should Rethink Their Insurance Advisor?
If you:
- Bought a home in Colorado or Wyoming in the last 10 years
- Added a car, child, renovation, or rental property
- Haven’t reviewed your policy in the last 12 months
- Got your current coverage from a 1-800 number or 15-minute quote…
You need a second opinion. Not to be scared—to be sure.
How Summit Insurance Helps You Protect What Matters
At Summit, we don’t do “good enough.” We build real protection strategies for real people. Here’s how:
✅ Annual Coverage Reviews
We meet with every client once a year. We ask what changed, what’s coming next, and what needs to adjust so you’re always ahead of the risk.
✅ Smarter Discounts, Not Cut Coverage
We dig for every available discount—without compromising protection. You get maximum value, not minimum liability.
✅ In-House Claims Guidance
Not sure whether to file a claim? We walk you through the pros, cons, and what’s best for the long term—not what’s convenient in the moment.
We serve families across Colorado and Wyoming who care about protecting what they’ve worked for. If that’s you, we’re your team.
Don’t Settle for Someone Who Sells. Choose Someone Who Protects.
Insurance isn’t a commodity. It’s a financial safety net—and your advisor is the one tying the knots.
Request a quote from Summit Insurance Agency today. We’ll review your current policies, identify gaps, and build a plan that finally gives you the peace of mind you’ve been missing.