There are numerous ways in which you can create an eco-friendly home in Wheat Ridge, CO. Some ways are easier than others. However, if you are interested in sustainable living and going green, you will want to speak to an insurance agent at CO Insurance Specialist to ensure you are properly covered based on the changes you make. In the meantime, here are a few ways you can make your home greener.

Switch Out Incandescent Lights with LEDs

Who doesn’t like to save money? Well, you can save money on your utility bills while also saving the environment. LED lights tend to use approximately 75 percent less energy and can potentially last up to 25 times longer. To make things even more efficient, install motion sensors or automatic timers to ensure you don’t use the lights more than necessary.

Install a Smart Thermostat

With the installation of a smart thermostat, you can save money by heating and cooling your home while also reducing your energy emissions. You will want to create a schedule for your smart thermostat so it will operate accordingly. You can set it so that the thermostat kicks off in the morning when you leave for work and comes back on about an hour before you should arrive home. You can also set the thermostat to reduce its temperature at bedtime. Did you know if everyone were to use a programmable thermostat, it would be possible to offset about 13 billion pounds of greenhouse gases annually?

Use More Cold Water

A significant portion of your home’s energy goes toward heating water when you wash your clothes in hot water. You can reduce your energy use by 50 percent if you switch to warm water. However, if you want to save even more energy and money, switch it to cold water. Instead of using your dryer, opt to hang your clothes up to dry.

When you make technological upgrades to your home in Wheat Ridge, CO, reach out to CO Insurance Specialist to ensure they are covered by your home insurance policy.

When you have suffered roof damage, the first worry is the expense. Your Colorado home insurance can cover it, depending on how the damage was caused. If there were falling or flying objects, or severe weather, your home insurance could cover it.

At CO Insurance Specialist, we want Wheat Ridge, CO residents to have the coverage they need when life crises hit. 

Roof Damage and Home Insurance

When you have damage to your roof, the kind of damage will determine what you can get from your home insurance claim. If there is weather damage such as hail, or an object has fallen on the roof, your home insurance will cover it.

The dwelling coverage of your home insurance policy will protect the structure of your home, and that includes your roof. You will have specific perils covered in your home insurance policy. If the cause of the roof damage is one of those perils, you can submit a claim on your home insurance. 

The extent of the damage is also important here. If there is some property or contents damage when your roof is damaged, you can submit a claim through your home insurance. 

If you have other structures on your property, and that roof is damaged by a covered peril, that will be covered by any other structures coverage that you have with your home insurance.

Yes, your roof damage will most likely be covered by your home insurance. Update your policy to have all perils coverage and you will not worry about this again.

Get a Quote

When you have roof damage on your home, it’s natural to worry about how it will be paid for.  At CO Insurance Specialist, we want Wheat Ridge, CO homeowners to feel secure with their home insurance policy. Call us for a quote to update your policy today.

Purchasing homeowners insurance in Wheat Ridge, CO, can bring up a lot of questions. Homeowners often wonder about how much insurance coverage they need and what type of insurance policy is best for them. Continue reading to learn more about some frequently asked questions about homeowners insurance in Colorado, then call the experts at CO Insurance Specialist. 

What Does Colorado Homeowners Insurance Cover? 

Homeowners insurance protects you against the many risks that may cause damage to your home. Most standard homeowners insurance policies cover the structure of your home, other structures (sheds, pools, fences, etc.), and personal property. Homeowner’s insurance policies also offer liability protection and medical protection when someone becomes injured on your property. 

Is Homeowners Insurance Required? 

The state does not require you to purchase homeowners insurance; however, your lender may require you to buy an insurance policy. Though not required by law, having homeowners insurance protects you against paying for repairs and medical bills out of pocket. 

How Much Home Insurance Do I Need? 

When purchasing a homeowners insurance policy, the amount of coverage you need depends on many factors. You want to ensure you are protected against any scenario, including extreme weather and accidents on your property. Additionally, you want to factor in how much it would cost out of pocket if you were to pay for repairs and damages to your home. Finally, consider the value of your personal property and ensure you have enough coverage to replace or repair your home’s contents. Homeowners with pets often purchase additional liability coverage in the event their pet bites someone.

Homeowners in Wheat Ridge, CO, need to consider their options when purchasing homeowners insurance. For answers to your questions, call the experts at CO Insurance Specialist today. 

If you are a homeowner, you need to have home insurance in place as soon as you buy your home. It’s vital coverage that is likely required by your lender if you have one. If not, it’s still a bad idea to go without this valuable coverage for even a day. If you need home insurance, give us a call right away to talk to a CO Insurance Specialist in Wheat Ridge, CO.

Your Home Is Covered

The house itself is something you have invested in, and it can cost a lot to repair or even rebuild it if the worst were to happen. With your home insurance policy, you are covered for a number of calamities and disasters that can happen. If your home were to be damaged or destroyed, this policy is there to pay for it to be rebuilt or fixed. Without this coverage, your house could be a total loss and you would likely be unable to rebuild it. 

Your Belongings Are Covered

Everything that is inside your house is also important to protect. The home insurance policy that you have also covers your possessions. This coverage comes in extremely handy if there is a disaster or accident that causes a lot of damage to your things. Without this policy, you would be on your own to replace everything that was ruined. 

Your Liability Is Covered

As with your auto insurance, your home insurance comes with liability coverage. That means that if you are held liable for an accident that someone has an accident in your home, the policy would pay for the medical bills instead of you. With medical bills so expensive, it’s always wise to have this coverage. 

Get Your Home Policy

If you are in need of home insurance, call us now to talk with a CO Insurance Specialist in Wheat Ridge, CO.

Should new homeowners buy home insurance immediately?

Buying a new home comes with many considerations to make—the size of the home, location, proximity to social amenities, entertainment features, and the house’s overall design.  With a whole load of paperwork to do and boxes to move and sort, it’s easy to get carried away and forget about essentials like home insurance. Most Wheat Ridge, CO insurance experts recommend buying home insurance early to give your insurer time to underwrite and determine the appropriate coverage level for you.

Should you buy insurance when buying a home?

It depends on your finances. If you are buying your home on a mortgage, your mortgage company will want to see proof of insurance days before the closing.  The CO insurance Specialist recommends shopping around for home insurance around 30 days before the closing to avoid insurance-related delays. The earlier you begin shopping, the faster you become familiar with your policy.

Buy early and secure your home

Don’t wait till accidents start happening to buy insurance. You might not get the chance to buy the policy when a fire burns your entire home down.  Home insurance is a critical family coverage that protects you, your home, and your loved ones. Liability coverage protects you against legal action when someone gets hurt on your property. If a guest decided to sue you for an injury they sustained when they visited you at your housewarming party, your policy could come in and cover the medical bills and lawsuit.

Shopping early comes with benefits

Buying your policy early means learning what is covered in your policy and what is not. Home insurance policies in Wheat Ridge, CO, cover a wide range of perils but not all of them.  For instance, mold, pest infestations, leaking roof, and normal wear and tear are not covered.  If you buy your policy early, you can learn what is not covered, adjust your policy and avoid filing uncovered claims, which can raise your premiums.

Looking to buy home insurance? Let CO Insurance Specialist help you protect what matters to you most. Call us today!

For those that are moving to the state of Colorado, Wheat Ridge, CO can be a great place to live. This community is near Denver and the local mountains, which offers plenty of options for recreation. When you are looking to purchase a home in this area, you will want to know that you are properly covered at all times. There are many situations in which a property owner should get a home insurance plan. 

Those that Want to Protect Asset

A situation when it is a good idea to get a home insurance plan is when you want to protect your property. Your home will likely be the most valuable asset that you will ever own. Due to this, you need to ensure that you protect this asset as well as possible. Those that get home insurance are going to have coverage if their home is damaged or destroyed. 

Those that Want Liability Protection

Anyone that owns a home will have some personal liability risk. If there is ever an accident that happens in your home and someone is hurt, you could be responsible for the damages. When you get home insurance, there will be components of coverage that will offer protection against this risk. This could prove to be very helpful in some challenging situations. 

Anyone that is looking to get a home insurance plan in the Wheat Ridge, CO area should speak with the team at the CO Insurance Specialist. If you are going to call the CO Insurance Specialist you are going to receive great support and guidance. The team here is able to provide you with personalized guidance and support, which ensures you will be able to pick an insurance plan that covers your home and provides you with comfort. 

One of the largest, most exciting investments you will make in your lifetime is the purchase of your home and you will want to protect it properly through an excellent home insurance policy. The agents the CO Insurance Specialist in Wheat Ridge, CO are prepared to help you create the best home insurance policy for you and your situation.

If you have a mortgage or second mortgage on your home, you will probably be required to have a home insurance policy by your lender and even if you do not, it is a good idea to have a home insurance policy in place anyway.

Coverage Options of Home Insurance

Home insurance is designed to protect your investment in your house if it is damaged or destroyed by a fire, natural disaster, or vandalism. It will also cover your personal property, including your clothing, appliances, and furniture. It also includes liability insurance so that you are covered if someone is injured while visiting your home due to some sort of accident or mishap. If your home is broken into and items are stolen, your home insurance will help replace those items.

You and your home insurance agent can determine if other buildings and structures on your property are going to be covered. This part of your policy can include coverage for structures, such as sheds, decks, and garages.

Call for a Quote Today

To create the best home insurance policy for you and your situation, call upon the agents at the CO Insurance Specialist in Wheat Ridge, CO for a quote and an appointment to get your policy started so your beautiful home is covered and you have the solace in knowing that your investment is safe.

In the Wheat Ridge, CO area, owning a home can be a great long-term investment. Not only will it ensure that you have a stable place to live, but it can also provide you with a great investment for your future. If you do purchase a home here, you will want to protect that investment as well as you can. A great way to do this is by getting home insurance. There are several situations when someone here will need to have this insurance coverage.

When Taking Out a Loan

One situation when you will need to get home insurance is when you intend to take out a loan. Most people here will finance their home purchase with a mortgage. When you do get a mortgage, the lender is going to have some specific requirements that need to be met. This can include requiring that you escrow monthly for your home insurance payments, which ensures there will not be a coverage lapse.

When Trying to Protect Home

Even if you do not have specific insurance requirements, you should still look to get coverage simply to protect your asset. Your home is a very major and important asset that you need to cover and protect. With home insurance, you will have the coverage needed to protect this investment. 

It continues to be very important for people all over the Wheat Ridge, CO area to get home insurance. If you are going to look for a new insurance policy here, you should get guidance from someone that is experienced. The team at the CO Insurance Specialist can help you build a policy that is right for your situation. CO Insurance Specialist will review your specific needs to ensure that you are building a policy that gives great coverage and adequately protects your home.