- Review what you have, want, & need.
- Get a custom quote.
- Answer any questions you have
Mon-Thurs: 9:00 am – 5:00 pm
Saturday: Appointment Only
Durango, Colorado 81303
At the Courtney Harshberger Insurance Agency, our clients’ best interests are our best interests as well. We are community-driven and feel honored to protect our neighbors. We are qualified to ensure that this process will be straightforward and personalized to help you select the most comprehensive, cost-effective solution for your needs.
Why choose us? Because we are different from the rest. We are different because we LOVE what we do and our knowledge gets passed on to you.
- We are local
- We are knowledgeable
- We are efficient
- We provide friendly and personal customer service
- We have a comfortable atmosphere
- We are attentive
- We do the right thing for our customers every time
- We are part of the community
- We were voted one of the top three agents in Durango for the past 6 years in The Readers Choice Awards
2016 Gold Daisy Winner from Macaroni Kid for Best Insurance Agent
I am so happy that I switched all my insurance to Courtney. She is always available and answers my questions quickly. If she doesn’t know the answer, she makes phone calls and gets them. Her knowledge, service and passion for what she does make her an excellent choice as an agent.Malia Durbano
Auto: What if I let someone else drive my vehicle and they get into an accident?
Generally speaking, insurance goes with the vehicle. For example, if you have an accident while driving someone else’s vehicle, the owner’s insurance would first, be applied toward damages to the vehicle. Your Auto insurance would also generally apply in the event that the owner of the vehicle had no Auto insurance or did not have enough Auto insurance to pay for the damages. Personal Injury Protection, which varies from state-to-state, covers the individual under their individual policy. For example, if my friend is driving my vehicle and gets hurt in an accident, my Auto insurance will cover the damages caused to my vehicle, but their Auto insurance will cover injuries caused to their person.
Home: What if my home is burglarized?
Here are a few tips to help you out, should encounter such a situation: If you saw the burglar, you will be asked to provide a description which will include: Once the police have finished their investigation, make your own inspection. Use a Home Inventory Checklist to check for missing items, otherwise, you may not discover the full extent of the theft until days or even months after the burglary.
Life: What if I lose my job?
Here are some tips to help you prepare: It’s a good idea for everyone to have between three to six months’ salary put away in their emergency fund, should the unexpected happen. If you have a mortgage to pay each month, you should consider purchasing Life Insurance to help ensure your payments are made.
“Policy loans and withdrawals will reduce cash surrender value and death benefit. Policy loans are subject to interest charges. If your policy is a modified endowment contract, loans and withdrawals may be subject to taxes and penalties.”
Business: Which policy is best for my business?
There are many different variables for determining the best insurance products for a business. The insurance needs of a software company, for example, are far different than the needs of a car rental company. It’s best to speak with an Agent to review your overall business situation and to go over coverage options that are best for your business. Contact me to learn more.
The most common types of commercial insurance are property, liability and workers’ compensation. In general, property insurance covers damages to your business property; liability insurance covers damages to third parties, and workers’ compensation insurance covers on-the-job injuries to your employees. Depending on your business, you may want additionally specialized coverages. Listed below are some of the different types of business insurance.
Business (commercial) Insurance
Whatever each new day brings, Farmers Business Property insurance is still your best defense against unexpected occurrences, such as fire, hail, windstorms, and other natural disasters. Key coverage examples include Building coverage, Business Personal Property insurance, and Business income.