Make Sure Everything in Your Wheat Ridge, CO Apartment is Insured

Posted on August 31, 2015September 1, 2015 by agentinsure

Many tenants who have renters insurance get it in order to protect their precious possessions. While renters insurance can’t prevent a tragedy from happening, it can help you recover from an accident by reimbursing you for the loss of your belongings in a covered incident. If you’re expecting your renters insurance policy to help you purchase items after a covered incident, though, you should make sure that all of your belongings are covered by your policy.

Renters Insurance Policies Have Exclusions

The portion of a renters insurance policy that covers personal belongings is called personal property coverage. Every policy’s personal property coverage, like all coverage, has exclusions. Exclusions are policy-specific, but some examples of potentially excluded items include:

electronics
jewelry
weapons
collectibles
artwork

Some policies either don’t provide coverage for these items, thus excluding them, or only provide limited protection. If you own anything of these things, you should confirm that your policy provides coverage for them.

Ask an Insurance Agent to Check

Understanding the jargon that determines a personal property coverage’s exclusions and limitations can be challenging. If you need help understanding the language of your insurance policy, contact one of our renters insurance agents.

At CO Insurance Specialist, LLC we have independent insurance agents who are able to review any renters insurance policy in Colorado. They can help you determine whether your belongings are fully insured by your renters insurance policy’s personal property coverage. If you aren’t, they can also look for a policy that doesn’t exclude the items you own.

You can speak with an agent over the phone or contact us through email. If you’d prefer to reach an agent via email, simply send them a message through our website. At CO Insurance Specialist, LLC, we’ve served many renters ins Wheat Ridge, CO, and we’re looking forward to serving you, too.

Grill Safely At Your Wheat Ridge Home

Posted on July 30, 2015July 30, 2015 by agentinsure

When you want to grill at your home in Wheat Ridge, it is important that you do so safely. You want to protect your home, your family, and even the homes within your neighborhood.

One of the first things that you need to do is follow all of the rules within your community. There may be regulations as to where your grill needs to be placed. As a best practice, it should be outside of your garage or screened in patio, and at least 20 feet away from the actual structure of your home.

Know the rules about your specific type of grill. For example, if you are cooking with gas always inspected the tank for rust and for leaks. You also want to make sure to turn the gas tank off once you are done grilling. If you are cooking with charcoal, understand how to light the briquettes properly and how to discard them.

Cleaning your grill is one of the most important things to do. Grease fires can easily start if there is too much caked on grease on the grates, or you have not emptied the grease trap at the bottom in a while.

If you’re grilling, safety precautions should also be taken. Be sure that there is nothing flammable in downwind of your grill. Fiery embers can easily blow and catch something on fire, such as furniture, clothing, and more. Have a fire extinguisher nearby so that you can address a fire quickly so that it doesn’t get out of control and spread to your home or anywhere else.

Always stay close to your grill once it has been lit so you can manage any issues if they arise.

Call us at CIS today to learn about how to keep your home safe and let us find quotes to get an affordable home insurance policy in Wheat Ridge, Colorado.

“MY Friends Wouldn’t File a Personal Injury Claim”

Posted on May 19, 2015April 3, 2015 by agentinsure

Arvada, Colorado is a popular place to socialize. There always seem to be activities, and house parties are common. We are a social community and we appreciate having friends over to visit, have dinner or share a sporting event on television. Have you ever considered what would happen if something as simple as a loose piece of carpeting caused a guest to fall and get significantly injured? Have you ever thought about a neighbor’s child getting hurt on your swing set or playhouse?

It may be easy to respond “My friends wouldn’t file a personal injury claim against me” but that may not be accurate. Even if it was, wouldn’t you want to make sure you had the appropriate home owners insurance coverage to take care of their personal injury claim? Personal injury insurance is about making people whole. You will especially want to have enough liability coverage in case negligence is involved.

If you live in or near the 80002 zip code, CO Insurance specialists are here to help. As an independent agency, we are capable of reviewing the policies of any provider, no matter where you purchased your policy. If your policy comes up short, our status as independent agents can help you again. We can get quotes from a variety of companies to get you improved coverage at a similar, or even a more attractive, price than what you are currently paying.

Get started with a comparative online quote from our website. With just a bit of information we can get you a quote on your home or auto insurance. We believe you will like what you see. Visit our website and see for yourself.

If you prefer a homeowners insurance review, contact us and let’s discuss your coverage. Make sure you and your friends are properly covered while on your property with a home insurance review from Pinnacle Insurance.

Getting Your Wheat Ridge, Colorado Home Ready for Spring

Posted on May 4, 2015April 3, 2015 by agentinsure

Spring has officially arrived in Wheat Ridge, Colorado and soon you and your neighbors will be out enjoying the great outdoors. You are likely ready for the warmer temperatures but is your home? Here are some tips for getting your home ready for spring.

Your gutters and downspouts play an important role in getting water away from your home. Now is the time to clean them from the debris of last fall and winter and get them running smoothly.
Check the area around your outdoor air conditioning unit. Make sure your AC unit is clean and free from grass and shrubbery.
Take a walk around your home and visually inspect your roof. Look for missing or loose shingles and uneven spots in the surface.
Take a good look at your foundation. Look for signs that it may be sinking. Stair-step cracks in bricks or cinder blocks are a good indication that you may have foundation issues. Make sure your porch isn’t sinking.
Test any outdoor play equipment before letting your children play on it. Wooden play and swing sets can suffer deterioration during the cold weather.
Check your outdoor grill carefully before you use it.
If you have a fireplace, clean it out. You will thank yourself in the fall.

This is the perfect time to get a homeowners insurance review. Your CO Insurance specialist can review your policy, making sure you have sufficient coverage. We are an independent agency serving Wheat Ridge and we would be glad to assist you. Visit our website for a comparative quote on your homeowners or auto insurance. You can also contact us requesting a homeowners insurance review. Get the peace of mind you deserve by making sure your home is ready for spring. Contact your CO Insurance agent today.

Dealing With Roof Damage In Colorado

Posted on February 24, 2015January 16, 2015 by agentinsure

When you have a home in Colorado, whether it’s up in the mountains of Aspen or in the populated area of Colorado Springs, it’s important that you have a good homeowner’s insurance policy. This will ensure that if something happens during a storm, you will be able to file a claim and get your roof repaired as needed.

Whether it is snow, hail or even strong winds, Mother Nature is capable of causing a significant amount of roof damage in a storm. Your homeowners insurance should protect against these different things and make it easy to get the repairs quickly – without you paying out of pocket more than the deductible.

We want to make it easy for you to get a homeowner’s policy that you can rely on. We take the time to make sure you have the necessary coverage at a price that you can afford. This gives you peace of mind that your home is protected throughout storms as well as various other things.

There are all sorts of “extra” coverage options that you can explore. These will protect you against floods, storms, earthquakes and even protect additional items like expensive jewelry, fine art and much more. With all this protection, you never have to worry about the “what if” scenarios.

Your home in Colorado should always be protected and while you require a homeowner’s insurance policy for as long as you have a mortgage, there are many options for you to choose from. We want to make sure you don’t make any haste decisions and that’s why we’ll sit down and explain everything, answer questions, and guide you through the process.

An affordable, customized policy is out there and when you call today, we can begin finding quotes for you!

Does Home Insurance Cover a Sinking Foundation?

Posted on February 9, 2015January 16, 2015 by agentinsure

If your windows seem harder to open and your doors don’t close without a little extra push, it could be the first signs that there is a problem with your foundation. Spreading cracks in your wall and floor or a front porch that is pulling away from the structure of your house, are also possible indicators of a sinking foundation. If you find yourself in such a situation, the cost to repair and remedy the damage can be high. Unfortunately, most home insurance companies only cover this type of loss in a very limited number of circumstances. Usually, homeowners insurance policies contain a specific exclusion against this type of peril.

Although some skyscrapers are designed to move a few inches to be able to better withstand earthquakes, very few homes are designed to move with the expansion, settling or shifting of the ground. Bad things can happen even if your house only shifts by a few inches. In some states, like California and Florida, companies that sell home insurance are required by law to also offer customers the opportunity to buy additional insurance that provides protection against certain types of earth movement. California law requires home insurers to offer earthquake insurance and Florida law requires home insurers to offer sinkhole coverage.

Each state has their own laws and rules that deal with sinking, rising, shifting, expanding or contracting earth movement. Insurance companies may be forced to cover some of these risks, but they are also allowed to charge an additional premium, above and beyond the standard homeowners insurance policy premium.

In rare instances, such as a water supply line bursting under your home and causing the floor beneath your feet to give way, your homeowners insurance may compensate you for the damage to your house. The best way to find out if you are covered for foundation damage is to talk with your independent agent. It is possible to buy additional coverage for a sinking porch, Your agent can compare rates from several insurers to help get you the coverage you want at a price you can afford.

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