Brukhouse Insurance
From home insurance to auto insurance, business insurance, and more. We cover all your insurance needs
Colorado’s stunning landscapes come with a price: heightened risks for homeowners. From the fierce winds that whip across the Front Range to the devastating wildfires that scar our mountains, our state presents unique challenges for the insurance industry. If you’re a Colorado homeowner, you’ve likely noticed rising premiums and tighter coverage restrictions. This isn’t just …
A Closer Look at Current Trends The insurance market, particularly the commercial property and casualty (P&C) sector, has experienced significant fluctuations over the years. These swings, often referred to as “hard” and “soft” markets, are characterized by changes in underwriting standards, pricing, and capacity. A hard market is characterized by: Conversely, a soft market is …
As an insurance agency owner of 18 years, I have historically been an advocate of keeping deductibles as high as financially feasible for my clients. I did not want them to have a deductible higher than they could reasonably expect to afford. Now we find ourselves in a generational hard market in which carriers are …
Do I Have the Right Coverage for My Roof? We tend to talk a lot about deductibles on a property policy, in the event we need to get a roof replaced, but how exactly the roof is covered is not as focused on or highlighted as much. A lot of people didn’t even know there …
If you read insurance journals or articles, then you already know this. But if you don’t that’s ok, this is what Brukhouse Insurance is here for. We are experiencing the perfect storm (forgive the pun) that has pushed us into the hardest market that anyone currently working in the insurance industry has ever seen. Here …
Most everyone is familiar with auto insurance. Commercial auto insurance therefore must be auto insurance for commercial endeavors. This is true, but there are some significant differences between personal and commercial auto insurance. It is important to know the differences because otherwise you might not have the coverage you think you do. We always tell …
Here in the beautiful mountain state of Colorado, we are all too familiar with the impact and catastrophic nature of wildfires. Many homeowners have been forced to face a total loss to their homes with only questions on where to begin when it comes to rebuilding their assets and their lives. Throughout the years these …
Due to a new Substation being built for Colorado Springs Utilities, we were notified a few months ago that we would need to move our office. We are excited to let everyone know that we have found a new home at: This is just up the road from our previous location, and we are now …
Distracted driving or inattentive driving has been on the rise in recent years. It has led to a rise in accidents, property damage and death. In 2020 distracted driving killed 3,142 people. While hand held cell phone usage has actually decreased, reported manipulation of a handheld electronic device has increased by 1300% since 2005. It …
Here in Colorado we recently had an event that destroyed over 1000 homes. Unfortunately we are hearing terrible stories about the victims of that fire being underinsured. Insurance policies are purchased with the expectation that they will cover damages and make the insured “whole”. The results of this event and the complaints coming from it …
