Insurance Town & Country - Denver, Colorado

Michael

I used Insurance Town & Country for about a year. In October, my car insurance policy renewed but this time it was 19% more expensive than it was for the previous 6 months. This was surprising to me considering that I paid my car off in full prior to my car insurance renewing and I also turned 30. I reached out to Insurance Town & Country three times via email in attempt to get them to revisit my current policy before it renewed, but I never got a response. I then had to call twice before getting ahold of someone (Nicole I believe), who put me on hold to review my policy, only to inform me that my new monthly payment of $171 was the absolute best I was going to be able to get and a 19% increase was common, even for drivers with clean records and fully paid off vehicles. Well, fast forward two months and I see on credit karma that I could get car insurance for my vehicle through Progressive for as low as $40 a month. I decided fill in my information to get a quote and to my surprise, not only was Progressive's insurance substantially cheaper ($76 a month, $95 cheaper per month than what I was paying), but my coverage with Progressive is actually better than what I was receiving through Nationwide (the provider Insurance Town & Country had me set up with). For instance, my liability coverage with Nationwide was $100K and now it is $300K with Progressive. My excitement to save so much quickly turned into frustration when I realized I was paying $1,140 more per year for inferior protection and that I had been convinced through a false sense of trust that Town & Country was providing me with the best rate available. With this said, I wouldn't bother using this company. You will struggle to get in touch with them, only to get quoted a rate that you could beat if you took the time to fill out car insurance applications yourself.

Kellie H.

I've used Joan and Jeremy at Insurance Town & Country for 7 different insurance policies now. Frankly, I couldn't have done it without them. My previous policies did not give me the proper coverage I needed and Joan was kind to take time to go through my old policies with me and then offer new policies that suited my specific needs. I am so grateful to have found them. And I recommend them to anyone and everyone that is looking to improve or change their insurance policies. Thank you Insurance Town & Country!

Eloy L.

Joan and her team over at Town & Country have been easy to work with and extremely helpful over the last two years. Always pleasant to talk with and carries the confidence to do great work for her clients. I will continue to use her services for all of my business insurance needs in the future and would highly recommend to anyone looking for great rates and great customer attention.

Jennifer H.

I have used Insurance Town and Country for 7 years. They have done an outstanding job with my personal auto, home, umbrella policies. I also have all of my workers comp, general liability, bond and auto insurance. It is so nice to have everything with a company that know me and knows what I need. They are so much more than an Insurance Company. They truly help me to grow my business by handling all of my insurance needs with knowledge and experience! I highly recommend them!

Andrew M.

To start, I had been a customer of insurance town and country for longer than I can remember. Things went downhill quicker than I could have ever imagined possible. I had some evolving insurance needs and questions about coverage for a recent purchase on a homeowners policy. It's more than fair to say my knowledge of the insurance industry left a lot to be desired.

Regarding this specific purchase I was seeking coverage on, I asked, "Is it not possible to just have unconditional coverage? If I’m paying for insurance coverage I want to be covered without bureaucracy. Is there any kind of risk management I can implement to allow for that?"

Jeremy, one of *the owners* replied, stating:

"
Is it not possible to just have unconditional coverage? What a wonderful world that would be…. Sure, I (Jeremy) will cover you unconditionally, the annual premium for you is going to start at $5 million, paid in full upfront (nonrefundable) and will be adjusted accordingly from year to year.
"

He then added in conclusion, "I really hope you are catching the intended sarcasm……"

This was a big purchase for me, and I was just trying to understand and navigate coverage. While Jeremy perhaps thought he was injecting humor into his message, I found this response quite off-putting. You are providing a service, and while from this agency's perspective, I apparently asked a wild question that I didn't know better about, that was the response I received. While it's true I had been a customer for a long time, I extremely infrequently ever reached out, and I had no report with Jeremy to enable him to make a response like that to me. It doesn't matter what I ask, you should provide professional responses with tact to help educate me and understand. In my reply, I asked for that professionalism. Specifically, I said:

"Sorry, I’m not intimately familiar with the insurance industry and frankly have yet to have a good experience in any vertical, which is why I asked for that. I would appreciate a little more professionalism."

Jeremy replied with the below literal quote:

"
I am honestly astounded at your response. That said, for you to assert that I am being unprofessional by explaining how insurance coverage works, is silly. My attempt, to add some levity 2 that explanation was clearly lost on you, hence I am not interested in your business.
"

There was more, but I will leave it at that.

According to Google, levity is defined as "humor or frivolity, especially the treatment of a serious matter with humor or in a manner lacking due respect," which in essence is Jeremy acknowledging his own message to me as disrespectful and unprofessional.

I felt the totality of this interaction to be wildly inappropriate and canceled my coverage with them the same day. Fortunately, another agency, that I also signed up with the same day, was not only professional and personable but provided me with exactly the unconditional coverage I asked about above at a great rate to boot. And that's just the start. The other agency provided significantly more coverage for ALL my assets for the same price. Yes, Jeremy, that's what I was alluding to in my final message to you.

I write reviews few and far between. While I did mention I contact them rarely, previous engagements were just as fruitless (Remember in the past when I called to get better value on my premiums and you told me there was nothing you could do? I contacted Progressive directly at that time to advocate for myself successfully, resulting in lower premiums), and at this point, I felt exceptionally compelled to write this and strongly advise everyone NOT to do business with this agency.

Sally R.

We love working with Joan and Jeremy! They cover all of our insurance needs and keep us up to date with any issues we should be aware of. They give us peace of mind that our cars, house, business and medical are well protected.

Joni W.

I worked with Town & Country for my auto insurance for several years. My needs have changed many times during this period, and they have always been willing to reevaluate and get me the best premium possible. Courteous, quick, and friendly customer service. Very easy to talk to and great communication!

Cheryl P.

I have been with Town and Country for about 13 years. Jeremy and his family are very friendly, work hard to find the lowest rates and make suggestions for individual needs but not pushy. I trust them with my insurance needs and plan on staying!