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General Insurance Questions

What types of insurance do you offer?

We specialize in Business Insurance, offering a range of products including Auto insurance, Home insurance, Motorcycle insurance, Recreational insurance, Renters insurance, Umbrella insurance, Farmers Financial Solutions, Term Life insurance, and Whole Life insurance.

The right insurance depends on your situation. Here’s a simple guide:

  • For Individuals & Families: You may need auto insurance for your car, homeowners or renters insurance for your home, life insurance to protect loved ones, and health or disability insurance for medical needs.
  • For Business Owners: Consider general liability insurance for protection against lawsuits, property insurance for business assets, workers’ compensation for employees, and professional liability insurance if you provide services.

Schedule a free consultation with The Granger Agency, and we’ll assess your needs, explain your options, and recommend the best policies to protect what matters most to you.

📞 Call us at 303-500-9071

📍 Visit us at 16701 E Iliff Ave, Unit C, Aurora, CO 80013

🌐 Learn more here.

📅 Schedule a time here.

Insurance premiums are based on several factors, including:

  • Coverage Type & Limits: More coverage or lower deductibles usually mean higher premiums.
  • Personal & Financial History: Your credit score, claims history, and past insurance coverage can impact pricing.
  • Location: Where you live affects risk factors like crime rates, weather conditions, and local insurance regulations.
  • Vehicle, Home, or Business Details: For auto insurance, factors like your car’s make, model, and usage matter. For home or business insurance, property age, security measures, and construction type play a role.
  • Driving Record: A clean driving record can lower auto insurance rates, while accidents or violations may increase them.
  • Business Industry & Operations: If you own a business, your industry, number of employees, and risk exposure will influence pricing.

 

The Granger Agency is here to help you find the best coverage at the right price. Contact us for a personalized quote! Schedule a time here.

Understanding the difference between whole life and term life insurance is crucial. Whole life insurance doesn’t expire, while term life does. But no matter which you choose, having coverage outside of your employer is essential. There is insurance that they don’t take in account your health or your age.

Term life insurance is a straightforward affordable policy designed to provide income for your loved ones if you pass away. It doesn’t build up any cash value.

Whole life insurance provides coverage for you entire life. In addition, to a death benefit, it also includes a cash value that grows over time.

Policy & Coverage Questions

What does my insurance policy cover?

Your coverage depends on the type of insurance you have. Here’s a general breakdown:

  • Auto Insurance: Covers vehicle damage, liability for accidents, medical expenses, and uninsured drivers (depending on your policy).
  • Homeowners/Renters Insurance: Protects your home or belongings from theft, fire, weather damage, and personal liability claims.
  • Life Insurance: Provides financial support to your beneficiaries in case of your passing. Coverage varies by policy type (term, whole, or universal life).
  • Business Insurance: Can include general liability, property protection, workers’ compensation, and professional liability coverage.
  • Health & Disability Insurance: Helps with medical expenses and provides income protection if you’re unable to work due to illness or injury.

 

Every policy is unique, so it’s important to review your specific coverage details.

Updating your policy is easy! You can:

  1. Contact Us Directly – Call or email The Granger Agency, and we’ll guide you through the process.
  2. Review Your Options – Whether you need to add coverage, update your beneficiaries, or adjust your limits, we’ll help you find the best solution.
  3. Submit Required Documents – Some changes may require forms or additional information, which we’ll assist you with.
  4. Confirm the Update – Once changes are made, we’ll provide updated policy details for your records.
 
In addition, we have our Farmers Friendly Review where Farmers agents provide this free service for you. We will reach out and schedule a time to meet with your agent in person or connect online to review your coverage to keep up with your changing insurance needs.

Yes! Bundling multiple insurance policies—like auto, home, and life insurance—can help you save money. Many insurers offer discounts when you combine policies, making it more affordable and convenient to manage your coverage in one place.

Benefits of bundling include:

Lower premiums – Get a discount for combining policies.

Simplified management – Fewer bills and easier renewals.

Better coverage options – Some insurers offer enhanced benefits for bundled policies.

Missing a payment can have different consequences depending on your insurance provider and policy terms. Here’s what typically happens:

  1. Grace Period: Many insurers offer a short grace period (e.g., 10–30 days) to make a late payment without penalty.
  2. Late Fees: If payment isn’t made within the grace period, you may be charged a late fee.
  3. Policy Lapse: If your payment remains unpaid, your coverage could be canceled, leaving you unprotected.
  4. Reinstatement Options: Some insurers allow you to reinstate your policy, but it may require paying past-due amounts or reapplying.
  5. Impact on Future Coverage: A lapse in coverage can affect future premiums or make it harder to get coverage later.

Claims & Assistance

How do I file a claim?

At The Granger Agency, we believe our clients shouldn’t have to navigate the claims process alone. That’s why we handle the claim filing on your behalf to make it as smooth and stress-free as possible.

Here’s how it works:

  1. Contact Us First – Before reaching out to your insurance provider, call The Granger Agency. We’ll gather the details and start the process for you.
  2. Provide Necessary Information – We’ll need basic details about the incident, such as the date, time, what happened, and any photos or documents you have.
  3. We File the Claim for You – Our team will submit the claim directly to your insurance provider, ensuring all required information is included.
  4. Stay Updated – We’ll follow up with the insurer, keep you informed, and help address any questions or additional steps.
  5. Claim Resolution – Once processed, we’ll ensure you receive your settlement or repairs as quickly as possible.

 

Your peace of mind is our priority. If you need to file a claim, let The Granger Agency handle it for you!

The time it takes to process a claim depends on the type of claim, the complexity of the situation, and your insurance provider’s procedures. However, at The Granger Agency, we work diligently to ensure your claim is processed as quickly as possible.

Here’s a general timeline:

  • Auto & Home Claims: Typically take a few days to a few weeks, depending on the damage assessment and repairs.
  • Liability Claims: Can take longer, especially if investigations or legal reviews are required.
  • Life Insurance Claims: Usually processed within 30–60 days after submitting the necessary documents.
  • Business Insurance Claims: Varies depending on the type of coverage and complexity of the loss.

 

At The Granger Agency, we handle the claim filing for you and follow up regularly with the insurer to speed up the process. If you need to file a claim or check on the status of an existing one, contact us today!

At The Granger Agency, we understand that accidents and property damage can be stressful. That’s why we’re here to guide you every step of the way. Follow these steps to protect yourself and ensure a smooth claims process:

For Auto Accidents:

  1. Check for Injuries & Ensure Safety – Call 911 if anyone is injured. Move to a safe location if possible.
  2. Document the Scene – Take photos of the vehicles, damages, license plates, and surroundings.
  3. Exchange Information – Collect names, contact details, insurance info, and vehicle details from all involved parties.
  4. Report to Law Enforcement – If required, file a police report and request a copy.
  5. Contact The Granger Agency – Call us first, and we’ll handle the claim process for you.

 

For Property Damage (Home or Business):

  1. Ensure Safety – If necessary, evacuate and secure the area.
  2. Prevent Further Damage – Take temporary steps (like covering broken windows or leaking areas) if it’s safe to do so.
  3. Document Everything – Take clear photos and videos of the damage.
  4. Keep Records – Save receipts for any emergency repairs or temporary housing.
  5. Call The Granger Agency – We will file the claim on your behalf and coordinate with your insurance provider to speed up the process.

 

Let us take the stress off your shoulders—The Granger Agency will handle your claim from start to finish!

At The Granger Agency, we take care of the claims process for you! If you have any questions about your claim, your first point of contact should be us. We will handle communication with the insurance provider, provide updates, and ensure everything moves smoothly.

📞 Call or text us at 303-500-9071

📧 Email us at tgranger@farmersagent.com.

🌐 Visit us here.

If you need direct information from your insurer, we can provide their contact details and assist you in getting the answers you need. Let us handle the process while you focus on what matters most!

Billing & Payment

What payment methods do you accept?

We accept multiple payment methods for your convenience, including:

✔ Credit & Debit Cards (Visa, Mastercard, American Express, Discover)

✔ Bank Transfers & ACH Payments

✔ Checks (for select policies)

✔ Online Payments through the Farmers Insurance App

Need help making a payment? The Granger Agency can guide you through the process!

📞 Call us at 303-500-9071

Yes! We can set you up for automatic payments to ensure you never miss a due date. Setting up autopay can also help you avoid late fees and policy lapses.

To enroll in automatic payments, contact us, and we’ll assist you with the setup!

If you need to update your payment method or billing details, you can:

Contact The Granger Agency – We’ll guide you on the best way to update your payment information.

Keeping your payment details current helps prevent any interruptions in coverage. If you need assistance, we’re here to help!

Referral Program

Do you offer free consultations?

Our Referral Program is simple! When you refer a friend to The Granger Agency, and they complete an eligible insurance policy, you’ll receive a $25 reward as our way of saying thank you.

✔ Step 1: Share our services with friends, family, or colleagues.

✔ Step 2: Your referral contacts us and mentions your name.

✔ Step 3: Once their policy is issued, you get rewarded!

The more friends you refer, the more rewards you earn!

For every successful referral, you’ll receive a $25 reward! There’s no limit—refer as many friends as you’d like and keep earning rewards!

Plus, you’ll be helping someone secure the right insurance coverage while benefiting from our trusted service.

Once your referral’s policy is active, you’ll receive your $25 reward via:

✔ Gift Card – Sent digitally or via mail.

✔ Other Special Promotions – Occasionally, we offer bonus gifts!

Rewards are typically processed within 2-3 business days after policy activation.

Other FAQs

Do you offer free quotes?

Our Referral Program is simple! When you refer a friend to The Granger Agency, and they complete an eligible insurance policy, you’ll receive a $25 reward as our way of saying thank you.

✔ Step 1: Share our services with friends, family, or colleagues.

✔ Step 2: Your referral contacts us and mentions your name.

✔ Step 3: Once their policy is issued, you get rewarded!

The more friends you refer, the more rewards you earn!

You can reach us through multiple channels for your convenience:

📞 Phone: 303-500-9071

📧 Email: tgranger@farmersagent.com

🌐 Website: talonniegranger.com

📱 Social Media: https://linktr.ee/teegranger

We’re happy to assist you with any questions, consultations, or policy needs!

We are based in 16701 E Iliff Ave Unit C6, Aurora, CO 80013, proudly serving clients throughout Arapahoe County, Southlands, Parkhill, Green Valley, and Downtown Denver.

For in-person consultations, appointments may be required. Contact us to schedule a meeting or discuss virtual options!

📞 Call us at 303-500-9071

📅 Schedule a time here: https://calendly.com/grangeragencyco/30min

To make the most of your consultation, we recommend bringing:

✔ Current Insurance Policies – If applicable, so we can review your coverage.

✔ Business or Personal Financial Documents – For financial solutions consultations.

✔ List of Questions & Concerns – To ensure we address all your needs.

✔ Identification & Contact Information – To help us set up your profile and provide tailored advice.

Download our Commercial Insurance Quote Checklist here so you know what to prepare prior to your scheduled appointment.

Not sure what’s needed? Give us a call, and we’ll guide you!

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