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John McGarity

Farmers Insurance Agent in Boulder, CO
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Farmers Insurance Agent in Boulder, CO

John McGarity Agency Inc
About Me

As your local Farmers® agent in Boulder, CO, I help customers like you identify the insurance coverage that best fits your needs. This process is straightforward and personalized to help make you smarter about insurance. I have the knowledge and experience to help you better understand your coverage options--whether that's auto, home, renters, business insurance and more.

Give me a call at (303) 443-9981 and I'll be happy to answer any questions you might have.

Languages Spoken: Spanish and English

Years of Experience

Years of Experience

I have over 20 years of experience as a Farmers Insurance agent.

Awards and Honors

Awards and Honors

Topper Club, Life Specialist, Blue Vase, and District Agent of the Year

Neighborhoods Served

Neighborhoods Served

Boulder County and Greater Denver Area

Connect

Connect

Insurance Products Offered

*To check background information of this investment professional, visit FINRA BrokerCheck.

Ask Me About:

Why Review Your Personal Insurance?

Why Review Your Personal Insurance?
Why Review Your Personal Insurance?
When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans? Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Personal Insurance

• Review my insurance to make sure I have the right coverage
• Take the time to read my insurance policies
• Does my agent have all my correct information, including new phone number, e-mail, address, and newly purchased property?
• Make sure I have identity theft insurance
• Do I have enough life insurance?
• Do I need life insurance for my spouse?

Other Items To Consider (you may need insurance for some of these)

• Bought a new car or sold a car
• Changed your marital status
• Changed jobs
• Bought a boat, camper, RV or ATV
• Change of address
• Welcomed a new baby into the family
• Inherited jewelry, property or funds
• Have a new teen driver in the family
• Child headed off to college
• Purchased a condominium
• Started a home based business
• I now drive my personal car for work

Get on the Open Road with Farmers® Motorcycle Insurance

Get on the Open Road with Farmers® Motorcycle Insurance
Get on the Open Road with Farmers® Motorcycle Insurance
On a motorcycle, you can experience the road as you want, without barriers or boundaries. With Farmers, you can choose the coverage you want, with potentially specialized options like coverage for accessories and trip interruptions. Call me today to learn more.
Customizable Home Insurance Packages
Customizable Home Insurance Packages
There are so many variables to consider when choosing homeowners insurance. But Farmers Smart Plan Home® can tailor your decision with customizable packages! Call me today to learn more.

Subject to restrictions.
Flood Awareness
Flood Awareness
Just a little water can damage your home or vehicle in a big way. Come by my office to learn how flood insurance can help you from getting soaked.

Things You Should Know About Colorado Flood Insurance:

Most, if not all, homeowner’s insurance policies do not cover floods. If you live in certain areas, your mortgage company may require flood insurance.

You do not have to live close to a river to be exposed to a possible flood. If you do live in a special flood risk area, you need to have flood insurance; especially if you want help from the federal government.

Flood Insurance Statistics:

• Floods are the most common natural disaster.
• 30% of floods occur in moderate risk areas.
• If you live in a flood community you have greater chance of having a flood than you do of having a fire.

Federal Flood Insurance is underwritten by the Federal Emergency Management Agency (FEMA) and is called National Flood Insurance Program (NFIP).

The NFIP policy requires coverage in an amount equal to the reconstruction cost of your home, or the maximum limit of coverage under the program; whichever is less.

Flood Insurance Myths:

1. “We have had a flood, so I cannot get coverage.” It doesn’t matter how many times your home has been flooded. You are still eligible for coverage if your community participates in the National Flood Insurance Program.

2. “I do not live near water so I do not need the coverage.” Flood waters can travel hundreds of miles. Check with our office for information on how we can help you determine your risk.

3. “I live in a flood zone, so I cannot get coverage.” You can get federal flood insurance no matter where you live if your community participates in the National Flood Insurance Program.

4. “Flood insurance is only for homeowners.” Flood insurance is available for renters, condo owners, businesses, and manufactured homes.

Give me a call at (303) 443-9981 and I'll be happy to answer any questions you might have.
The Right Business Insurance!
The Right Business Insurance!
Top Business Insurance Searches and Our Answers:

Your business insurance is an important part of your risk management program. It is important to have the right Business insurance coverage, competitive pricing, and the right insurer.

We have researched the top Google searches regarding business insurance programs, and we thought you might like to see what kinds of questions people are asking.

1. What are the different kinds of business insurance? Business insurance can be broken down into the following categories; commercial property, general liability, crime, commercial auto, professional liability, and excess liability.

2. What is employment liability insurance? Employment liability insurance covers claims made by your employees for injury that they suffer due to their work.

3. Do I need business interruption insurance? Yes, every business should have some level of business interruption coverage. This insurance covers your business in the event you have to shut down for period of time due to a covered loss.

4. How much insurance is enough? If you own a business, you should always consider liability limits of at least $1,000,000.

Depending on your business you may need more. For example, if you own a construction company you will want to have higher limits than someone who owns a laundry business.

5. Is a packaged insurance policy available? Yes. You can build a business insurance policy that combines all the coverage you need for your business.

Give me a call at (303) 443-9981 and I'll be happy to answer any questions you might have.
Take Farmers® Insurance on Your Next Adventure
Take Farmers® Insurance on Your Next Adventure
Farmers has spent the last 60 years getting to know outdoor enthusiasts. From boats, personal watercraft and off-road vehicles to motor homes, travel trailers and 5th wheels, we have an array of specialized coverage options. Call me today for more information.