Marylou Berg

Insurance Broker 👩🏻‍💻 Apex Insurance
✨Auto | Home | Life | Commercial✨
Real Estate 🏠 Park & Refer

09/17/2025

💦 Most home policies don’t cover flood damage.

Even if you’re not in a high-risk area, one inch of water can cause $25,000+ in damage. Flood coverage is a separate policy—worth asking about in Colorado’s unpredictable weather!

09/15/2025

📋 Workers’ Comp isn’t just for big corporations.

In Colorado, if you have even one employee, you’re required to carry it. Not only does it keep you compliant—it also protects your business assets if someone gets hurt on the job.

Need a policy review? Call/Text me at 719.464.8632📱

09/12/2025

A little peek behind the scenes 👩‍💻: Most days it’s just me, my laptop, a big cup of coffee ☕, and a lot of passion for helping my clients. No call centers. No getting lost in the shuffle. Just personalized service, quick responses, and someone who actually knows your name. That’s how I believe insurance should be.

09/11/2025

June 2001 — I was just a 14-year-old small-town Colorado girl on a school trip to New York City and Washington D.C. Life felt simple and safe. I was wide-eyed, taking pictures of everything, including this one of the towers, never imagining how quickly the world could change.

Just three months later, on September 11, 2001, our country was forever changed. At the time, I couldn’t fully grasp the immensity of what was happening. As an adult, I carry a much deeper understanding of the weight of that day, the heaviness we all felt, and the 2,977 lives that were lost.

Today, I pause to remember exactly where I was when I first heard the news, to honor the innocent lives taken, and to reflect on the courage of those who responded.

🇺🇸 We will never forget.

09/10/2025

🚚 Business owners—did you know if your employees drive their own cars for work errands, your business could still be on the hook in an accident?

Adding a simple Hired & Non-Owned Auto endorsement can protect you (and it’s usually very affordable).

09/08/2025

📦 Bundle & Save!

Did you know most Colorado carriers offer up to 20% discounts when you package your auto + home (and sometimes even life) together?

It’s not just convenient—it’s often the smartest way to save money and simplify your coverage.

👉 Text/Call me at 719.464.8632 and lets see if you can save!

09/05/2025

Fun Fact Friday: Tyler and I actually met at 24 Hour Fitness on Arapahoe Road in Denver! 🏋️‍♀️ What started as spotting each other during workouts turned into 10 years of marriage [TODAY’S OUR 10 YEAR ANNIVERSARY, Y’ALL!] a daughter we adore, and a life built on faith, fitness, and family. Sometimes the best love stories start in unexpected places. 💕

09/03/2025

🏡 Simple home upgrades can mean lower insurance premiums! Installing a monitored security system, upgrading your roof, or even swapping out old plumbing and electrical can lead to significant savings.

💡 Pro Tip: Always let your insurance broker know when you make updates!

09/01/2025

🚗 “Did you know increasing your deductible from $500 to $1,000 could save you 10–20% on your auto insurance premium?

If you’ve got a good emergency fund, this is one of the quickest ways to cut monthly costs while keeping solid protection.”

👉 Text/Call me at 719.464.8632 if you’d like me to run the numbers for you—it might surprise you!

08/29/2025

🏡 Replacement Cost vs. Actual Cash Value—do you know the difference?

• Replacement Cost: Covers rebuilding or repairing your home at today’s prices.

• Actual Cash Value: Pays less, factoring in depreciation.

💡 Many homeowners are surprised to learn their policy may not automatically include Replacement Cost for their home or their belongings. That can mean big out-of-pocket costs after a loss.

📲 Text or call me at 719.464.8632 and let’s make sure your coverage keeps up with today’s costs.

08/27/2025

🚗 Do you have enough Uninsured/Underinsured Motorist Coverage?

Here’s the truth: not everyone on Colorado roads carries proper insurance. If you’re hit by a driver with state minimum or no coverage, your policy may be the only thing protecting you.

👉 UM/UIM coverage helps pay for medical bills, lost wages, and more if the other driver can’t. It’s one of the most important parts of an auto policy—yet often overlooked.

📲 Call or text 719.464.8632 to make sure your limits are where they should be.

08/25/2025

🏢 Does your business have enough Liability Coverage?

Many small business owners don’t realize that General Liability may not cover employee lawsuits, professional mistakes, or cyber incidents. That’s where specialized policies—like Employment Practices Liability or Cyber Liability—step in.

⚠️ One unexpected claim could cost thousands out-of-pocket if you’re not fully covered.

📲 Call or text me at 719.464.8632 and let’s review your commercial policy together.

Address

Colorado Springs, CO

Telephone

+17194648632

Website

https://plan4life.org/home

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