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Having Trouble with the UnitedHealthcare UCard App? Here’s What to Know

If you’re a beneficiary of a Medicare Advantage, or Dual-Special Needs plan with UnitedHealthcare and you’ve heard about the UCard app (or seen a notification to download it), you’re in the right place. The UCard feature, accessed via the UnitedHealthcare mobile app,...
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Smart Coverage for Colorado Businesses: Local Insurance Tips to Start 2026 Strong

As 2025 winds down, business owners across Colorado — from Pagosa Springs to Denver, Durango, and Grand Junction — are gearing up for a new year of opportunity. Before we jump into 2026, now is the perfect time to make sure your commercial insurance is working just as...
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Stay Scam-Smart This Medicare Open Enrollment in Colorado & New Mexico

Medicare Open Enrollment runs every year from October 15 through December 7, and it’s the time when millions of people review their coverage and make changes for the year ahead. Unfortunately, scammers know this too, and they step up their attempts to steal personal...
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Liability-Only vs. Full Coverage | What’s Actually Worth It in 2025?

When it comes to auto insurance, “liability-only” and “full coverage” are two terms that can make your head spin; especially when renewal time comes around, or you’re buying a new vehicle. Many drivers choose one over the other because it’s what they’ve always had,...
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It’s Renewal Season: How to Make the Most of Your Car Insurance Policy Before You Re-Sign

As the year winds down and renewal notices start showing up in your inbox, it’s the perfect time to take a closer look at your car insurance policy. Many drivers simply let their coverage renew automatically — but that can mean missing out on discounts, better...
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Flooding in Southwestern Colorado: What Homeowners Should Know About Insurance, Claims, and Coverage

Recent flooding across parts of Southwestern Colorado has left many homeowners and business owners dealing with damage, cleanup, and uncertainty about what their insurance actually covers. The Colorado Division of Insurance (DOI) recently issued a consumer advisory to...
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Fall into Coverage: Preparing Your Home & Car for the Season Ahead

As the leaves begin to change fall is a reminder that seasons don’t just affect our routines — they affect our risks, too. Cooler weather, earlier sunsets, and shifting outdoor activities bring new challenges for both homeowners and drivers. Taking a few minutes now...
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Medicare Open Enrollment 2025: What You Need to Know

It’s that time of year again — Medicare Open Enrollment begins October 15 and runs through December 7, 2025. During this window, anyone with Medicare can review their current coverage and make important changes for the year ahead. Whether you’re enrolled in Original...
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Smart Commercial Insurance Moves for Fall: Protecting Your Business as the Year Wraps Up

As fall settles in across Colorado, Arizona, Texas, New Mexico, Montana, and Connecticut, business owners are shifting gears. The final quarter of the year brings new opportunities — and new risks. From unpredictable weather to holiday traffic surges, now is the time...
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The Cost of Skipping Coverage: Why the Cheapest Policy Isn’t Always the Best

It’s tempting to shop for insurance the same way we shop for gas or groceries: find the lowest price and call it good. However, unlike a gallon of milk, the cheapest insurance policy isn’t always the best deal. When you’re protecting your home, your car, or your...
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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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