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Frequently Asked Questions About Liability-Only Auto Insurance

When it comes to auto insurance, many drivers wonder whether carrying liability-only coverage is the right choice for them. Understanding what liability insurance covers, how it compares to other types of coverage, and finding the best rates can be overwhelming. Here,...
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From Sports Cars to Tow Rigs: Finding the Perfect Auto Insurance for Every Ride

The Right Coverage for Every Vehicle No two vehicles are the same. Neither are their insurance needs! No matter what you drive, from high-performance sports cars, to a rugged pickup truck, family-friendly SUV, or a trusty tow rig, finding the right auto insurance is...
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Protecting Your Business with General Liability Insurance

As a business owner, you've worked hard to build something meaningful. Your business represents your passion, expertise, and dedication. However, unexpected incidents can threaten everything you've built. That’s where General Liability Insurance comes in—offering...
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Protect Your Business with Commercial Property Insurance

As a business owner, protecting your physical assets is essential. If you own an office building, retail store, restaurant, or warehouse, unexpected events like fires, storms, vandalism, or theft can cause significant financial setbacks. That’s where commercial...
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Comprehensive Auto Insurance vs. Liability-Only: What’s Best for You?🚗💡

When searching for auto insurance near me, one of the most critical decisions you’ll face is whether to opt for comprehensive auto insurance, or stick with liability-only coverage. While affordability is a significant factor, it’s essential to understand the risks...
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Managing Business Risks with the Right Property & Casualty Insurance✨

Running a business comes with its share of uncertainties. Whether you own a small retail shop, a growing restaurant, or a large commercial enterprise, protecting your assets is key to long-term success. Property and Casualty (P&C) insurance provides business owners...
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HomeTown Insurance: Your Trusted Independent Agents for Property & Casualty Coverage

Property and casualty (P&C) insurance provides critical financial protection against life’s unexpected events 🌪️🚗💼. With natural disaster, car accident, or liability concerns, having the right insurance can make the difference between manageable setbacks and...
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Protect Your Vision: What You Need to Know About Glaucoma and Medicare Coverage👁️❤️

At HomeTown Insurance & Financial Services, Inc., we care deeply about the health and well-being of our clients. Today, we're shining a light on an important topic: glaucoma; the second leading cause of blindness worldwide. 🌍 Losing your vision can be...
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Navigating the Insurance Landscape in 2025: Key Insights for Policyholders

As we usher in 2025, the insurance industry is undergoing significant transformations that will impact policyholders nationwide, and in our hometown, Pagosa Springs, Colorado.  Staying informed about these developments is crucial for making educated decisions about...
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Protecting Your Holiday Travels and Gatherings: Essential Insurance Considerations 🎄✈️

The holiday season is a time of joy, travel, and gatherings. 🌟  Whether you're planning a trip abroad, driving to visit family, or hosting guests at your home, ensuring you have the right insurance coverage is crucial.  Here’s a guide to the essential insurance...
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Your Hometown Connection

Independent Insurance Agents 

HomeTown Insurance & Financial Services is here to make insurance easy for you! 

We carry insurance policies from the insurance companies you know.  Home insurance, auto insurance, life insurance, business insurance, commercial insurance, health insurance, Medicare, insurance for traveling, insurance for pets . . .

If you’re searching for insurance, you can count on the independent insurance agents at HomeTown Insurance & Financial Services!

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