When it comes to your legal requirements and insurance, the facts aren’t always clear. You may have heard that you need home insurance if you purchase a property in Wheat Ridge, CO, but is this a fact? CO Insurance Specialist wants you to learn more about it so that you’re on the right side of the law. 

The Answer Depends

Like so many things in life, the question that you’re asking is dependent on whether or not you own the property outright. If you’re financing the home, the lender is going to want to protect their investment, which is why they’ll typically require a certain amount of coverage from different events. What your lender requires will depend on their regulations, but you do not legally need home insurance if the property does not have a lien on it. So if your parent gifted you a home that they paid off 10 years ago, you do not technically need home insurance. 

The Case for Having It Anyway 

No matter how you came into the property and how much it’s worth, having home insurance is a way to protect yourself from a wide variety of events. From flooding to fires to vandalism, you should really be looking out for the land and structure you own. Property owners in Wheat Ridge, CO who look out for their homes are also looking out for their community as well — the more people take the time to guard their investment, the more everyone’s property will be worth. 

If you have questions about getting a policy or you’re thinking of changing the one you already have, CO Insurance Specialist is here to help. Give us a call to learn more about our company and what we can do for you. 

If you live in Wheat Ridge, CO, then you probably know that your home is the most valuable asset that you own. As such, you need to protect your home from possible damage through your trusted local insurance agency. CO Insurance Specialist provides some of the most comprehensive insurance coverage to suit your needs.

Which is the best home insurance coverage policy?

The best home insurance policies are:

• Comprehensive
• Provide quality services
• Have ideal pricing tiers
• Provide customized insurance policies

You should consider all of the elements before you even think of approaching your local insurance agency for your home insurance coverage. Whether you have rented an apartment or you are a homeowner, the best home insurance policies should be able to offer coverage for your relative losses in case of a fire, theft, vandalism, or any other unfortunate events.

In fact, you should seek for home insurance that offers coverage for injuries incurred while on your premises. With CO Insurance Specialist, you will be able to cover all the possible occurrences that might cause accidents on your premises.

You need to make sure that you have a well – crafted inventory of all your personal items as well as any assets available in your home. They form the basis for your insurance coverage.

A comprehensive home insurance coverage entails most or all of the following policy coverage:

• Dwelling
• Personal Property
• Loss of Use
• Medical Expenses
• Family / Personal Liability
• Scheduled Personal Property
• Attached structures

Contact Us

For you to get the most reliable home insurance coverage in Wheat Ridge, CO, get in touch with us today to learn more.

CO Insurance Specialist provides quality insurance services to the community of Wheat Ridge, CO. We want all of our clients to be covered in case anything happens to their person or property and we want to provide clear answers to any questions you may have. Here are the most common questions we receive about home insurance in the area. 

Home Insurance In Colorado Frequently Asked Questions

• Is home insurance a legal requirement in Colorado? Legally, no the state does not require homeowner’s insurance. However, you must carry a policy if you have a mortgage and it is always a good idea to have protection for your family home because it is the greatest asset that most people have. 
• Should I add flood coverage? If you live in a flood zone flood coverage may be a requirement by your mortgage company. If you do not you may still want to add some flood insurance because even high and dry areas are not immune to flood damage in extreme situations. 
• What if I rent my home out for the summer months? You may want to add rental property insurance and additional coverage for items inside to keep you protected from the unknown and to protect your renters. 
• If my grown child moves back in does that change anything in terms of home insurance?  Legally, no. But there are certain increased risks that you may want to consider before you leave your policy as is. 

CO Insurance Specialist is your Wheat Ridge, CO insurance for all of your insurance needs from home, life, automobile, toy, and more. Contact us today to discuss your home insurance needs or for a quote for a new policy. 

Video inventories are a great way to keep track of all your most valuable items. When you include a video inventory with your actual list of possessions, it allows your insurance agent to give you a better idea of how much insurance you should have in place to protect your home. at CO Insurance Specialist, the agents can assist Wheat Ridge, CO residents in creating a video inventory that can be used to help replace any items that are damaged in a burglary, house fire or flood.

Provides a Verifiable Record

A video inventory can be used to match existing items with those on your inventory checklist. This can be done by recording each items’ model and serial number. If new items are purchased, record videos of the box as well as the item and its identifiable information. This will go a long way in assisting your agent in recovering your items if they are stolen or damaged.

Shows the Condition of Your Items

A quality video will also show the condition of your items. While this may not seem important, it will show the condition of your item while it was in your possession versus when it was recovered. If there is extensive damage, it may need to be replaced.

In Wheat Ridge, CO, the agents of CO Insurance Specialist can provide you with instructions on how to properly create a video inventory of all your possessions. It is important that you keep a copy and then give one to your insurance agent so that they can have a record of your valuables. If a burglary occurs, contact your agent and they will be able to get your claim processed quickly by using your video inventory!

What is a home insurance policy?

It is a policy that offers coverage for damage to your home, either caused by lightning, hail storms, or fire. The cover provides financial protection for home and belongings. It covers repair or replacement of the house or belongings damaged as a result of specified perils. Liability coverage is also provided for accidents in the home or property. Damage to other people’s property or injuries attained by visitors while within your property are covered by this policy.

Wheat Ridge, CO regularly experiences severe winds and hail storms in summer and blizzards in the winter. Your home must be covered to prevent financial losses from natural disasters. Our dedicated CO Insurance Specialist agents are well familiar with the risks of being a homeowner in this region. There are exemptions to what is covered in a home insurance policy with Earthquakes and floods not being covered.

We know that your home is a valued asset, and CO Insurance Specialist agents will walk with you in identifying the best policy for your home.

The basics of a home insurance policy.

With the risk of property damage very high in Wheat Ridge, CO, here are the basics of what your home insurance cover should entail

• Coverage of your personal belongings- Furniture, clothes, and personal belongings are covered if damaged by the agreed perils.
• Coverage for the structure of your home- A standard home policy will pay for repairs or cost rebuilding damaged property from wind, hail storms, or fires.

Coverage for liability protection- You are covered against lawsuits as a result of bodily damage or property damage caused by you or your family member. Limits of coverage vary, and it would be essential to discuss this with CO Insurance Specialist agents

For further information, kindly visit our website or give us a call.

 

 

While most people have a homeowner’s insurance policy, they typically only think of insurance when the home is damaged in some way by a storm. However, homeowners insurance also provides liability protection. Here are some facts about homeowner’s liability insurance in Wheat Ridge, CO from CO Insurance Specialist.

Injuries

Suppose someone comes to your home, slips on a sidewalk, and falls, breaking a bone. What happens if your dog bites a delivery person who later needs stitches? Your homeowners’ policy will likely pay for the reasonable medical bills that your visitors incur as a result of these accidents.  Even some unusual occurrences may be covered. For instance, if you serve dinner to guests and they become terribly ill from food poisoning, requiring hospitalization, your homeowner’s insurance may cover their medical bills. 

Dog Bites

Dog bites may be covered or they may be excluded. Certain breeds of dogs may be excluded from coverage with some policies. Also, if your dog has previously bitten someone, your insurance company may notify you that they will not cover liability related to a dog bite. If you own a dog, you should ask your agent about your dog bite coverage before you are faced with this kind of situation.

Personal Liability

If a member of your family does something foolish, injuring someone else or causing damage to someone else’s property, you may be protected from a lawsuit by some homeowner’s policies. For instance, if your child gets into a fight at school and hurts someone else, your liability insurance may protect you from a lawsuit.

Property Damage

Suppose your child hits a baseball through a neighbor’s window, breaking it. It’s possible that your homeowner’s policy may pay for the costs of repairing the damage to your neighbor’s home. If your tree falls on a neighbor’s car, your insurance may cover the repairs. 

There are limits to liability coverage, so you can see your agent and find out more information on liability insurance. To ask questions about homeowner’s insurance in the Wheat Ridge, CO area, contact CO Insurance Specialist.

Protecting your home in Wheat Ridge, CO gives you peace of mind and helps you feel secure that if anything were to happen, you could move on with your life and start again. It’s possible, though, that when you purchased your homeowner’s policy at CO Insurance Specialist that you focused more on questions like how much your limits and deductible were, and less on what is actually covered by your policy.

The main reason you have homeowners insurance is to protect your own belongings. Included in your protection are:

• the actual physical property, including unattached structures like sheds in your yard;
• your furniture and most of your decorations and treatments, like rugs and curtains (valuable artwork may not be covered unless otherwise stated);
• your appliances large and small, like your refrigerator, stove, toaster, and washer and dryer;
• your electronics, like your television, computers, and phones; and
• your personal items, like clothing and books.

If there is ever a fire or theft, you may receive either a replacement or the actual cash value, depending on your policy. It is important to read your contract carefully and discuss it with your agent if you have any questions.

Your homeowner’s policy also provides general liability protection so that you are covered for bodily injury or property damage that occurs when you have visitors at your home in Wheat Ridge, CO. Those visitors may be just people who are walking in front of your home and fall, but if the fall is on your property you may be liable. 

If you have any questions about policy exclusions, it is always best to ask before there is a problem. You can often add-on protection to items not normally covered. If you want to make sure you are getting the protection your family needs, call CO Insurance Specialist today.

With summer in full swing, you may be planning a vacation for you and your family. Before taking off on holiday, prep your home for security and safety while you’re gone. The following tips from CO Insurance Specialist can be helpful in protecting your Wheat Ridge, CO property during your absence.

Install a Home Security System

A home security system that includes alarm, window sensors, security cameras and security lights is sure to deter prospective thieves from targeting your property. By investing in a monitored security system, your company will notify the police immediately if there’s a security breach on your property while you’re gone.

Lock Up and Remove Spare keys

Lock all windows and doors before leaving and close curtains and blinds. If you have timers on one or two lights, make sure these lights are visible from the outside at night. Collect spare keys you’ve hidden on the property to reduce the risk of intruders finding them and gaining access to your home.

Stop Deliveries

If you’ll be gone for a week or more, put a stop on mail and newspaper deliveries until your return or ask a neighbor to pick these up, so they don’t pile up in your driveway or mailbox. Piled up newspapers and mail are a sure sign no one is home, making your home more susceptible to theft.

Programmable Thermostat

Invest in a programmable thermostat to control the temperature in your home during your absence. A smart thermostat will keep your home cool and dry during hot, humid weather so you don’t develop problems with mold or mildew.  

Update Home Insurance

Update your home insurance coverage to ensure your home and goods are well protected against unforeseen disasters while you’re gone.

For quality home insurance coverage to safeguard your Wheat Ridge, CO abode, contact CO Insurance Specialist today.

Colorado residents face a lot of potentially damaging weather conditions, from hail storms to flooding and excessive snowfall. If you are a homeowner in the greater Wheat Ridge, CO area, it’s time to meet with the team at CO Insurance Specialist to find out more about your coverage options. There are many different types of home insurance available in Colorado which can sometimes make the policy selection process overwhelming. 

There are a Variety of Home Insurance Options Available

Finding the right insurance policy to protect your home is an important decision for many different reasons. Your home is likely your largest financial investment and where your family feels safe and secure. Don’t leave the protection of this important part of your life to chance. A comprehensive home insurance policy can protect your home and belongings and help you make it through many catastrophes. Life can be unpredictable and knowing that you have protection in place can help to give you the peace of mind that you need to live a stress-free life. 

Whether you have a workshop or other outbuilding that needs to be included in your policy, or you have a lot of expensive personal items that need coverage, there is a policy that is appropriate for your needs. Working with a professional agent can help you make the selection process more streamlined and efficient and help you get the coverage that you and your family need. With the correct home insurance policy, you can meet all of your coverage needs.

Call or stop by CO Insurance Specialist today and meet with our helpful team to learn more about your home insurance options. We are proud to serve the Wheat Ridge, CO area and look forward to working with you soon!

Need to give your home a quick dust-off for spring? There are a few ideas that can get your home ready for the upcoming season. In Wheat Ridge, CO, you’re invited to visit the CO Insurance Specialist place to talk with an independent agent about acquiring homeowners insurance.

Start with Your Carpets and Upholstery

Over the last few months, you probably didn’t worry about the carpets or upholstery too much. Now that the curtains are drawn back, it’s easier to see the dust, dirt, and pet care buildup in the natural light.

Start your spring cleaning process with a deep clean of your carpets. You can either rent a deep clean vacuum or hire a company to clean the carpets for you. Many companies will also clean your fabric-covered sofas, chairs, and couches.

Do-It-Yourself All-Purpose Cleaners

For a general-purpose cleaning, you can use a non-abrasive cleanser that is easy to use and you can make right at home. You probably already have many of these items on hand.

• Baking soda and water – mix the two to the consistency of a paste. This is good for tubs, tile, and grout. Leave the paste on the surface for a few minutes and then rub with a scrub brush.
• White vinegar, water, and a lemon rind – place in a spray bottle to use on glass showers, mirrors, and wall smudges. It can also deodorize your trash cans.
• Add a little salt to white vinegar – this is good for cleaning items that are made of brass.

To take care of your home, the first thing you will need is homeowners insurance. Stop into the CO Insurance Specialist in Wheat Ridge, CO to purchase insurance. The expert independent insurance agents will also be able to guide you for your auto, commercial, and life insurance needs.