Putting off insurance could cost you your home, income, or family’s future. Learn what’s at stake—and how to get covered in Colorado.
Insurance Can’t Help You After the Disaster—Only Before It
You’re scrolling your phone and see the reminder: “Get insurance today.”
You sigh. “I’ll do it later.”
Then days turn into weeks. And then—life happens.
You’re in a crash. You’re holding a repair estimate for $100,000.
Your home catches fire. You find out your policy was never updated.
Your family loses you—but there’s no life insurance, no financial backup, no peace of mind.
Procrastination isn’t harmless—it’s expensive.
What Happens When You Wait Too Long to Get Covered
Insurance only works if it’s in place before the problem starts. But many people in Colorado and Wyoming delay coverage because:
- They think “nothing bad will happen yet”
- They’re unsure what type of policy they need
- They assume basic coverage is enough for now
Here’s the reality:
❌ No auto coverage?
One accident could put you in lifelong debt—especially if you’re at fault or the other driver is uninsured.
❌ No updated home insurance?
Your policy might deny claims for wildfires or underpay if it’s based on outdated rebuild values.
❌ No life insurance?
Your loved ones could face months—or years—of financial stress, bills, and loss without a plan in place.
These aren’t rare events. These are everyday outcomes for people who thought they had more time.
What Is Insurance Procrastination?
It’s putting off reviewing or purchasing the coverage you need—until something forces your hand.
This includes:
- Delaying coverage updates after life changes
- Ignoring reminders to get quotes
- Sticking with outdated, minimal policies
- Assuming “I’m fine for now” is a strategy
Spoiler: It’s not.
Who’s Most at Risk?
You’re especially vulnerable if:
- You’ve moved to a new home in Colorado or Wyoming
- You haven’t reviewed your policy in over a year
- You’ve had major life changes (kids, income, home updates)
- You rely on work-provided life insurance only
- You’re still “thinking about getting a quote”
If you’re putting it off, you’re exposed.
What Most People Overlook
- Homeowners assume their policy covers full rebuild costs—it often doesn’t
- Drivers think minimum liability is “enough”—until they get sued
- Young parents believe life insurance can wait—until it’s too late to qualify affordably
- Renters think their landlord’s policy covers their stuff—it never does
Delaying protection = accepting risk. And most people don’t realize they’ve done it.
How Summit Insurance Makes Getting Covered Easy
At Summit Insurance Agency, we’ve helped countless families close the gap between what they have and what they need—before it costs them.
Here’s how we remove the friction:
✅ Fast, Personalized Coverage Reviews
We assess where you’re exposed—home, auto, life, or all three—and show you what to fix, fast.
✅ Honest, Protection-First Education
We don’t upsell. We educate. Our job is to explain what coverage works in Colorado and Wyoming—and what falls short.
✅ Quick Start Options
We make it easy to go from “I’ll do it later” to fully covered in one conversation.
Our goal? Make sure insurance is working for you before you ever have to test it.
You’re Not Too Late—Yet
Accidents don’t wait. Neither do fires, floods, or sudden loss.
But today, you still have a choice.
Request a quote from Summit Insurance Agency today.
Let us review your current policies and build real protection around your home, family, and income—before you ever need it.