In Wheat Ridge, CO, home insurance policies don’t have specific coverage for carport but it is usually covered under “other structure” coverage. This coverage is for detached structures like garage, fence, carport, shed, and others. 

A lot of homeowners look for ways to remove it from their coverage since they don’t own any of these. Unfortunately, it is a complete package. You cannot exclude it. What you can do is to look for a home insurance company that does not include other structures in the basics of their home insurance policy. CO Insurance Specialist is one of the insurance companies that does not include other structure in their package.

However, it is still important to find out the basics of a home insurance policy as offered by most insurance companies in CO.

It covers the repair or rebuilds of your home

When your home is damaged by natural disasters like wildfire and hurricane, this policy will repair or rebuild it. However, there are exceptions. Damages caused by routine wear and tear, earthquake, or flood are usually not covered. However, you could pay for additional coverage for any of them.

It covers your furniture and fittings

It is not likely that your home will be damaged without affecting your furniture, fittings, clothes, and other belongings. This is why most home insurance policies cover the damage done on them but it is often to an extent. Most companies will pay you about 50 to 70 percent of the total amount of insurance for your belongings.

It covers your liability

If you or any member of your family hurts someone, a lawsuit may be filed against you. Your home insurance policy will pay your legal fees and the medical bills incurred by the injured party. You are also liable if someone gets injured in your property. Your home insurance covers that too.

It covers your additional living expenses

You have to put up in a hotel if your home is being repaired. In this situation, your home insurance policy will cover all the hotel bills albeit for a limited amount of time. It is a good idea to ensure that your insurance policy covers this as it usually pushes your insurance company to fix your home sooner to avoid paying more hotel bills. 

If you don’t have any “other structure” and you don’t want it covered in your home insurance policy, contact CO Insurance Specialist. 

Hail can cause a lot of damage to your home. It can leave dents or dings on your roof, siding or even break windows. At CO Insurance Specialist, serving the greater Wheat Ridge, CO area, we are often asked if hail damage is covered by your home insurance policy. Here is what you need to know. 

Does Home Insurance Cover Hail Damage?

Home insurance policies do typically cover hail damage that is caused by storms. However, it is important to carefully read through your policy to ensure that it is not excluded. As long as it is not specifically excluded, hail damage may be covered. 

When Does Home Insurance Cover Hail Damage?

Home insurance will typically cover hail damage as long as your property is well-kept and cared for. If the hail left behind dents or dings, they the repairs will typically be covered by home insurance. 

When Does Home Insurance Not Cover Hail Damage?

Home insurance will not cover hail damage is the damaged item was in poor condition. For example, if your roof is already at the end of its lifespan, hail damage may not be covered because you need to replace your roof anyhow, or because the damage would not have been as severe if the roof was in good condition. 

Having the right home insurance policy is important, as it helps to protect your home against various types of incidents. It is recommended that you take a look at your home insurance policy every couple of years to make sure the policy still works for you. If you haven’t looked at your policy in some time, now would be a great time to take a look. Bring it with you to CO Insurance Specialist, serving the greater Wheat Ridge, CO area and let us help you determine whether your policy still meets your needs or whether a new policy would be a better fit for you. 

If you have a home in Wheat Ridge, CO, you need the right home insurance to protect it. Most homeowners do not understand how home insurance works. It is wise to understand your home insurance to prevent unpleasant surprises. Contact an insurance agency with enough knowledge to explain things. CO Insurance Specialist is a great option. They will help you understand the coverage of your policy. The following are some basic facts about home insurance.

It Does Not Cover Everything

Do not assume that your home insurance covers all damages. A standard policy protects the structures of your home, its contents, and liability. Home insurance covers accidents that are unforeseen and unintentional. If an accident happens due to your negligence, it won’t be covered. Home insurance does not cover natural disasters, but you can purchase special covers that do. If you run a business from home, your home insurance does not cover the business equipment and property.

Your Dog May Affect Your Home Insurance

Insurance providers do not like your dogs as much as you do. Some insurance providers do not insure certain breeds of dogs. The costs of a dog bite can be high. If your dog is large or aggressive, you may have to pay higher premium rates than you expected. You may, however, buy a separate insurance policy for our dogs. Some of the dogs that most insurance providers blacklist include Akita, Cane Corso, and German shepherd.

You Need to Make a Claim Fast

There is usually a deadline for when you can make a claim. In case of damages, make a claim as soon as possible. If you miss the deadline, your insurance provider may not offer you compensation. Most home damages get worse with time.

Contact CO Insurance Specialist for your home insurance needs in Wheat Ridge, CO.

Many people only dream about building a brand new home in Wheat Ridge, CO. What a lot of them don’t realize is that building a new home is often much less expensive than purchasing one that has already been built. Building a home is especially cost-efficient if you are able to perform some of the work yourself, such as framing it, painting the walls, hanging the drywall, etc. For now, let’s take a quick look at when a new construction needs to have insurance on it. 

When Does a New Construction Need to Have Home Insurance?

You may think that you need to wait until you move into a new home before putting insurance on it. What happens, though, if something was to cause damage to it during the construction process? This is why you need to speak with an insurance specialist about the types of insurance you can put on a home while it is being built. 

Take for example your new home is almost completely done and a windstorm takes place and rips off the roof that was just installed. Who is responsible for paying for the removal, repair, and replacement of a new roof? You are, and if you don’t have proper insurance in place, you are going to find yourself reaching far into your pockets to pay for the accompanying expenses. 

From the very first day that you decide you want to build a new home, you should contact CO Insurance Specialist to see what types of insurance you need to invest in. You may find that you are able to protect your home while it’s being constructed for only a few dollars a month. 

Contact CO Insurance Specialist today serving the Wheat Ridge, CO area to learn more about protecting your new construction with insurance. 

Home insurance policies protect the most important things in your life. Some subscribers, however, are confused by what exactly is covered by their policies. CO Insurance Specialist want to ensure that all homeowners in the Wheat Ridge, CO area understand their risks. What is covered by a typical homeowner’s insurance policy? What isn’t?

• Your home’s structure is protected by your policy from various threats. This includes repairing or replacing the walls, floors, roof, and other necessary components of the dwelling. By default, most policies cover damage from natural disasters like fire, hurricane, and lightning. Damage from floods, earthquakes, and normal wear-and-tear are generally not included. You may be able to obtain coverage, however, with a customized policy. Your insurance agent can give you more details.
• Personal belongings like clothing, artwork, and electronics are also covered by your primary homeowner’s policy. Keep in mind, these policies have a payout limit. If something happens and you lose everything, your insurance may not give you enough to replace everything. Those with expensive collections should purchase additional coverage to ensure they will be reimbursed for the loss of their property.
• If someone hurts themselves while on your property or has their belongings damaged, your liability coverage will pay medical bills, court fees, and any other costs associated with the case. It does not cover damage to your own property or injury to members of your household. Additional policies can cover these gaps.

Each insurance is different. Agents customize coverages to suit each individual case. Do you have enough homeowner’s insurance for your home in the Wheat Ridge, CO area? Contact the experts at CO Insurance Specialist for a customized analysis of your insurance needs.

 

Natural disasters are devastating and often unexpected. It’s a horrible feeling to find out that your home insurance policy won’t help you rebuild after a disaster, which is why it’s a good idea to know what your policy covers in advance. Insurance policies can vary greatly in what they cover, so if you already have home insurance, it’s a good idea to contact your insurance company. If you don’t have a policy yet, get in contact with CO Insurance Specialist, which serves Wheat Ridge, CO, to find out what most policies cover and to learn if you can get special coverage for specific circumstances.

Is Fire Covered?

Most policies will pay out to repair or replace anything that’s been damaged inside your residence by smoke, flames, ash, soot, and water, according to the Colorado Department of Regulatory Agencies. Your insurance company will likely ask for an inventory of items, as they’re only required to pay for personal property that you can prove you owned at the time of the disaster. This is why it’s a good idea to make an inventory of your belongings, and this advice applies to any type of natural disaster preparation.

Are Floods Covered?

If there’s water damage from a broken pipe, your policy will likely pay for the damages. However, homeowner’s insurance doesn’t cover flood losses. For protection against flood damage, you need to get flood insurance through the National Flood Insurance Program.

Are Natural Disasters Such as Tornados, Earthquakes, and Hail Covered?

Earthquake damage is usually not covered under a standard policy; you’ll have to add on earthquake coverage separately. Tornado damage is usually covered by a standard home insurance policy. Damage from hail storms and windstorms are usually also covered under a standard policy, so you probably don’t have to purchase additional coverage.

There are many other scenarios that could occur, such as landslides, nuclear accidents, war, sinkholes, and drone crashes. If you have specific concerns you want to address, call CO Insurance Specialist, which serves Wheat Ridge, CO, for more information.

Lying just five miles outside Denver, it’s hard to imagine Wheat Ridge, CO use to be a popular area for Gold Rush travelers to stop and rest. Today, it is primarily a residential city where families love to spend lots of time outdoors. If you live in Wheat Ridge, CO and are about to buy a new home, here are three reasons to get home insurance, even if you don’t have a bank loan.

1.  You Have To

If you have a mortgage, you have to have home insurance. The bank wants to protect the asset it is making money from and will require you to purchase home insurance prior to closing on your new house. But don’t worry, home insurance isn’t as expensive as you might think.  

2.  It Protects Your Home

If something were to happen to your home, such as a devastating fire, an out-of-nowhere tornado, or some other disaster that befalls your property and you didn’t have insurance, the truth is you could find yourself homeless and/or financially devastated.  Considering that home insurance is a yearly fee that you can afford, isn’t it worth protecting the roof over your head and having peace of mind?

3.  Provides Temporary Housing – Just in Case

If your home is destroyed, temporarily unlivable due to a disaster, or every single piece of furniture is stolen while you’re away on vacation, home insurance will typically set you up with a temporary place to live and hook you up with living expenses during this trying time. Staying in a hotel, helping with food, laundry expenses, storage expenses, and internet expenses are something most insurance companies will help cover.  

To learn more about the benefits of having home owner’s insurance, contact CO Insurance Specialist. We have all the answers to your questions and we understand that many new home owners have lots of questions. To speak with a friendly agent at CO Insurance Specialist call us today at 720-638-0850.  

 

 

 

 

 

 

 

You have to prepare your home for every season. During the fall season, you have to conduct a thorough inspection. The leaves that fall and the fact that winter is just around the corner, means you have plenty to do to your home during fall to keep it safe. 

1. Gutters

Your gutters are bound to fill up with leaves. This prevents them from draining water like they’re supposed to, which could lead to roof or foundation damage. Additionally, if the gutters become too heavy, you could find them falling, potentially becoming hazardous to anyone standing under them. And if you’re gutter should happen to fall, it could do extensive damage to your home. 

2. Roof

Get on top of your roof and inspect it for missing or damaged shingles. Check for corroded flashing or leaky vents. Damage to your roof could cause water to leak into your home and cause an extensive amount of damage. 

3. Furnace 

Inspect your furnace. Make sure you change the filter on the furnace before you start using it again. You’ll prevent it from catching flame, and it’ll make it more energy efficient. You should have a professional come and inspect your furnace before you start using it again for the winter.

4. Steps and Driveway

You never want to have steps or a driveway that is dangerous, especially considering you’re held accountable if someone should happen to get hurt on your property. That’s why CO Insurance Specialist, serving Wheat Ridge, CO and the surrounding area, advises homeowners to always keep their steps and driveway maintained. However, it’s especially important during winter. Any problems will worsen when snow and ice pile up.

To get a quote for homeowner’s insurance or to learn more ways to get ready for fall, contact CO Insurance Specialist, serving Wheat Ridge, CO and the surrounding area, by calling 720-638-0850.

As a Wheat Ridge, CO homeowner, you probably have multiple questions and concerns when it comes to finding the perfect home insurance plan. Well, you’re not alone. Many homeowners are frustrated by a lack of home insurance understanding.

Fortunately, it’s not as complicated as you may think. To get you oriented, here are 4 important figures that you should always know when choosing a home insurance plan.

Your homeowners premium

After discounts are applied, your homeowners premium is the complete total that you’ll be expected to pay each month for your home insurance plan.

Home insurance deductible

Your home insurance deductible is the cost that you’ll need to pay out-of-pocket for help from your insurance plan will become active.

The value of your personal items

If an unexpected accident or natural disaster occurs, you’ll need to have a record of the costs of your personal items in order to get reimbursed and buy replacement items. The individual values of your belongings should be recorded by you and kept somewhere safe.

Supplemental policy costs

In some cases, homeowners opt to purchase supplemental insurance plans to protect addition items and aspects of their home life.

CO Insurance Specialist Can Help

If you are interested in home insurance for your dwelling in Colorado, look no further than CO Insurance Specialist. We serve the residents of Wheat Ridge, CO and the surrounding areas, and we’d be glad to help you find an insurance plan that will work for you.

To start a dialogue with one of our experienced and knowledgeable insurance agents, contact us at your earliest convenience. You can get in touch with us by phone, visit our website, or visit our nearest location in Colorado. We look forward to working with you and finding you a great coverage plan for your home. 

Home renovations can not only make your home a more useful and pleasant environment but can add value to your Wheat Ridge, CO property. Adding a backyard patio or enlarging a bedroom will increase living space, making your home a more comfortable environment. Renovating a bathroom or kitchen can greatly enhance your home’s appearance and function.

Before beginning any renovation projects, however, talk to your CO Insurance Specialist agent to see how they will affect your insurance coverage. You may need to update your policy to protect these projects against damage or loss. Here are a few reasons why you may need to alter your coverage when making major improvements to your home.

Insurance Limits

The limits on your current insurance policy may be insufficient to cover the repair or replacement costs of major renovations in the event of fire, flood or storm damage. By extending your current limits or obtaining additional insurance coverage, you can ensure these investments are protected against any eventuality.

If you’ve purchased new furniture or equipment to go with your renovations, such as new kitchen appliances or patio furniture, you may need to raise your property damage limits to protect these items from unforeseen damage or loss.

Increase in Property Value

Major home renovations such as kitchen or bathroom remodeling could increase the value of your property, making your current policy insufficient to cover the replacement cost of your home. You may need to update your policy to offset this increase in value. As one of your most valuable investments, your home deserves to be well protected against any eventuality.   

By discussing your insurance options with a CO Insurance Specialist agent in Wheat Ridge, CO, you can get a better idea of the coverage you need to fully protect your home and personal assets.