The Acumen - March 2024

Safeguard Your Future

crucial because it directly impacts your financial security and peace of mind. By knowing exactly what your policy covers and excludes, you can make informed decisions about your protection. Misunderstanding or overlooking coverage details can lead to unexpected costs, gaps in protection, or denied claims when you need them most. In addition to customizing your policy with the right coverage and discounts- it is important to know that other factors can also affect your insurance: Auto Insurance Costs: • Higher repair and replacement costs: Additional sensors, cameras, and other features also come with higher repair and replacement costs. • More severe accidents: Riskier driving behaviors, including speeding, distracted driving, and impaired driving, may lead to more severe accidents with high medical payments. • Expensive medical care: Over the last five years, the increase in the cost of medical and hospital services has outpaced the rate of overall inflation. Homeowners Insurance Costs: • Cost of materials: As the cost of building materials changes due to supply and demand, the amount of coverage you need may also increase, impacting the overall cost of your insurance. • Cost of labor: If you need to rebuild your home, it’s not just the materials that influence cost – labor is a significant component as well. With an office located in the Lowry neighborhood in Denver the Lisa Williams Agency is all about delivering excellent customer service and industry expertise. We aim to build lasting relationships based on trust, integrity, and personalized attention. When you choose us, you are selecting a team of dedicated professionals committed to meeting your needs. We believe insurance is more than just a transaction; it’s a

By LISA WILLIAMS

Photo: Lisa Williams Agency

I am a second-generation Denver native, growing up in the Park Hill area. My significant other and I have four children (young adults) between the two of us. I have seen firsthand the changing landscape of the Denver Metro and have felt the impact of those changes. I have 30 years of experience in the insurance industry. A large part of my career has been in the claims department at American Family Insurance. During my time in claims, I saw many cases where people did not understand their coverage or had inadequate coverage. Simply having insurance does not mean you are “protected” This experience inspired me to start the Lisa Williams Agency with American Family Insurance, providing top- notch customer service as my focus to ensure every customer leaves with the knowledge and confidence to protect what matters most to them. These days, the insurance industry is going through a lot of changes, resulting in increased rates and stricter underwriting guidelines. Understanding your insurance coverage is

52 The Acumen

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