If you’re still shopping for health insurance, or you enrolled and want to make sure you picked the right plan, you’re not alone. Open Enrollment can feel like a lot of pressure, especially when deadlines are close, and plans look similar on paper. The big deadline to...
As we close out 2025 and step into 2026, we want to say thank you for trusting HomeTown Insurance & Financial Services, Inc. as a local, independent resource for real insurance guidance. This past year, we published practical articles across Medicare, health...
As the year wraps up and calendars start filling with holiday plans, it’s easy to let insurance sit quietly on the back burner. However, this stretch between now and January is actually one of the most important times of the year to check in on your coverage. Why?...
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,...
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...
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...
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,...
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...
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...
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...
