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CO Insurance Specialist

6990 W. 38th Ave. #200
Wheat Ridge, CO 80033

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Does Your Colorado Home Insurance Cover Roof Damage?

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.

Reasons to Get a New Policy When You Buy a New Car

When you buy a new car, you need to make some serious changes. If you have a loan or lease on the car, you have more insurance requirements to meet. This means that you might have a lot of decisions to make about your coverage options.

CO Insurance Specialist, which serves Wheat Ridge, CO, can help you choose the best new policy for your car. These are the reasons why you should consider getting a new policy for your new car.

You Need to Meet Mandatory Insurance Minimums

When you buy a new car, you need to make sure that you meet your state’s liability coverage. This ensures that you meet the legal requirements so that you can register your vehicle and protect others on the road.

You Need to Meet Lender Requirements

When you buy a brand new car, there is a chance that you are doing so with a loan. When you have a loan, you need to make sure that you meet the lender’s requirements. Usually, this means that you need to have collision and comprehensive coverage.

You Should Consider Gap & New-Car Replacement Insurance

If something happens to total your car, you need to have the assurance that your vehicle will be replaced. You will still be responsible for the loan, so gap insurance makes sure you are not stuck paying for a car you can no longer drive.

Get the Right Policy Today

CO Insurance Specialist provides many clients in Wheat Ridge, CO with insurance for new cars. If you have spent a lot of money on a new car, it makes sense that you want to make sure you have the right coverage. Contact the office if you want to learn more about your policy options.

Three Benefits of Investing in Condo Insurance

There are numerous benefits to living in and owning a condominium in Wheat Ridge, CO. With a condo, you get a luxurious experience while also being able to own a private dwelling. Unlike a private home, you aren’t responsible for a variety of expenses, such as maintenance and lawn care, outside of your individual unit. However, like owning a home, you should seriously consider investing in condo insurance from a company like CO Insurance Specialist to protect your condo and personal belongings, and here’s why.

Condo Insurance Provides Replacement Coverage for Your Unit

As a general rule, a condominium will have a master insurance policy that takes care of the reconstruction of the building itself and any common areas in the event of a fire or other disaster. However, that coverage will usually stop at the exterior walls. In other words, the coverage will not pay for any damage that occurs inside of your individual unit.

Therefore, as the condo owner, you will be personally responsible for covering the replacement of any flooring, drywall, cabinets, light fixtures, etc. Without condo insurance, the money to pay for all of that will come right out of your pocket.

Condo Insurance Provides Personal Liability Coverage for Guests

In the event that someone is visiting your condo and gets injured, an individual condo insurance policy may be able to provide coverage for any personal liability that is involved. If you have someone over that causes damage to a common area of the condominium, the condo could potentially sue you. Your condo insurance policy may cover you in this instance as well.

Condo Insurance Provides Personal Property Coverage for Your Belongings

Every single day, vandalism, burglary, and theft occur. The inside of your condo can suffer damage from a kitchen fire, an electrical fire, or leaking plumbing pipes. A master condo policy will not provide coverage for events like these, and because of this, a personal condo insurance policy is necessary to ensure your personal belongings are covered in the event of a disaster inside your individual unit.

Contact CO Insurance Specialist to Purchase Condo Insurance Today

If you are ready to make the next move to protect your condo in Wheat Ridge, CO, contact CO Insurance Specialist today to discuss potential coverage options and let one of our agents tailor a condo insurance policy to your individual needs.

What Does Classic Car Insurance Cover?

You have invested a ton of money in your absolutely gorgeous classic car or track, and you now want to protect it from all sorts of scenarios. The best way to do that is through having the proper classic car insurance in place in the experts at the CO Insurance Specialist in Wheat Ridge, CO can help you do just that

Coverage of Classic Cars

First of all, in the state of Colorado, your car must be at least 25 years or older to be considered a classic. Normally classic cars must be distinctive which means they must be a vintage vehicle, an exotic or luxury one, a muscle car, a vintage military vehicle, or the beloved hot rod. If your vehicle falls into one of these areas and classifies as a classic car, you will want to make sure that you have classic car insurance in place.

When it comes to basic insurance, you must have at least liability insurance in the minimum amount that is required by the state of Colorado to protect others in the event there is an accident when you are driving your classic vehicle on a public roadway. This should not happen very often since classic cars are not meant to be driven for everyday use. You could, however, be driving to her from a classic car show, parade, or another event, so you’ll still need to have this type of insurance in place.

You also want to have full coverage on your classic vehicle since it is an actual investment, more so than a regular car. This is due to the fact that classic cars actually increase in value as time goes by whereas other vehicles depreciate pretty much right after you drive them off the car lot. Your insurance agent that understands classic car insurance will be able to determine the amount you need to have since it is based on the agreed value of your vehicle versus the actual cash value like with regular car insurance

To decide upon the amount and type of classic car insurance you need for your vehicle, contact the experienced and trusted classic car insurance agents at the CO Insurance Specialist in Wheat Ridge, CO today to get your policy started immediately.

Is having commercial insurance in Wheat Ridge important?

Those that are in the Wheat Ridge, CO area will find it is a good place to start a small business. If you are in the process of starting a company, it is important that you spend time thinking about insurance. A company in this area will benefit in several ways by having a commercial insurance plan. 

Protect Assets for your Business

As you are looking to build a business in Colorado, you will find that there are different commercial assets that you need to invest in to grow the company. These assets can be very valuable and should last a long time. However, there is always a risk you can incur a loss due to fire, theft, or vandalism. With commercial coverage, you can reduce this risk as you will have the means to replace the assets.

Protect Against Liability Risk

You should also look into a commercial plan as it can help to offset your liability risk. If you would like to sell a product or service, you will always take on the risk that you are named in a liability lawsuit. A great way that this risk is mitigated is by getting commercial coverage. This protection offers support if you are found liable for damages. 

People that live in the Wheat Ridge, CO area and start a company of their own will always want to know that they have the right commercial coverage in place. If you are assessing your insurance needs, you will find CO Insurance Specialist can be a great resource. The team with CO Insurance Specialist understands the importance of this coverage and can help you assess your needs and insurance options. This can ensure you build an ideal plan for your situation, which will ensure your company is properly covered.  

Colorado Homeowners Insurance FAQs

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. 

Tips for first time auto insurance buyers

Whether you are buying your first car or looking to move off your parents’ auto insurance policy, you might feel overwhelmed by the information around you. Myths and misunderstandings are pretty common in the car insurance industry, and if you’re not careful, you may end up making the wrong insurance decisions. To get you started in the right direction, here are tips to guide your purchase.

Do your homework 

Part of your insurance buying process is simplified by the amount of research you do on your own. Apart from familiarizing yourself with the car insurance jargon, you also learn essential components of your policy, such as the state’s minimum car insurance requirements. Most states, including Wheat Ridge, CO  require that drivers carry minimum liability insurance to protect themselves and other road users. 

Assess your car insurance needs

Every driver has different needs, hence different insurance rates. If you intend to use your vehicle for an everyday commute, you may want to look at other auto insurance coverages and determine which ones to buy. Insurance companies like CO Insurance Specialist have various optional coverages for policyholders who need extra coverage. Check if you need to enroll on a driving course to improve your skills and keep a clean record and where you will be storing the vehicle.

Shop around

Shopping around means comparing quotes from different insurance companies before settling to buy. Don’t be deceived that insurers offer the same or roughly the same coverages and premium rates. Every insurance company in Wheat Ridge CO has its own way of calculating insurance rates. They also have different terms and discounts for their customers.  Just make sure that your ideal insurance company has all your interests at heart, especially when it comes to premiums payment terms.

Auto insurance is less complicated once you are familiar with the process. If you feel you need help going through the insurance buying process, contact any CO Insurance Specialist for assistance.

How Does Classic Car Insurance Work?

If you have an antique or classic car that is at least 25 years old in Wheat Ridge, CO, it’s time you start considering classic car insurance. While similar to traditional car insurance, classic car insurance provides unique, specialized coverage specifically tailored to the needs of your classic car.

What makes Classic Car Insurance different than regular insurance?

One of the vital services that classic car insurance offers that regular insurance doesn’t is an agreed value coverage. Insurers think of your classic car as more of an art piece than a vehicle. An agreed value coverage means that you and your insurer both decide on your classic car’s value based on an appraisal instead of similar models and repair costs.

Another difference is that classic cars don’t depreciate like traditional vehicles.  Therefore, the maximum payout of an agreed value won’t decrease over time.

More Benefits with Classic Car Insurance

Companies that offer classic car insurance have agents that know all the ins and outs of your classic car, providing you with better knowledge of your personal needs as a classic car owner.

Increased Replacement Cost

Many classic cars increase in value over time. So, if your classic car’s value does increase, classic car coverage will pay the difference.

Roadside Assistance

Classic car insurance guarantees transportation on a flatbed truck to reduce the risk of further wear and tear.

No Attendance Required

If something were to happen to your car at a car show without you, it would still be covered.

Spare Parts

Classic car insurance covers damaged or stolen parts.

Cash settlement

If your classic car is stolen or totaled, classic car insurance allows you to accept a cash reimbursement without requiring you to repair your car.

Reach out to a CO Insurance Specialist about your classic car today!

Why Every Homeowner Needs Home Insurance

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.

Benefits of Getting Auto Insurance

Car owners in Wheat Ridge, CO, are legally required to carry auto insurance. This is because it has various benefits for both the driver and any third party that may be involved in the accident. With auto insurance, you do not have to worry about financial loss after an accident, as you are protected. As discussed below, CO Insurance Specialist takes you through some key benefits of auto insurance.

Financial Security

If you have been involved in an accident and caused injuries or property damage to a third party, you automatically become responsible for medical bills and repair costs. If you lack auto insurance, then you have to pay out-of-pocket, which sets you back financially. In addition, if the harmed party decides to sue, you may also have to compensate them. However, with auto insurance, you do not have to worry about your finances as your insurance company covers any arising costs depending on your policy.

In Compliance With the Law

Drivers in Colorado are not allowed on the road if they lack insurance. Therefore, if you fail to get coverage, you risk being fined or your driving license being revoked. Auto insurance helps you avoid such inconveniences in the first place as you are in compliance with legal requirements.

Makes Lending Easier

Most car lenders prefer their borrowers to have auto insurance because it guarantees that their investment is protected if an accident occurs. Other financing agents have reservations about signing off on a car loan if you lack insurance. On the other hand, people carrying insurance have an easy time with a high chance of getting a car from a lender.

Peace of Mind

An accident can happen at any time. However, knowing that if anything happens, you do not have to worry about significant repair costs or medical bills, you will have peace of mind.  

To enjoy the benefits of auto insurance, contact CO Insurance Specialist. We serve Wheat Ridge, CO car owners, ensuring they pick the right policy to protect their cars.

Insurance Partners
  • Allied
  • Auto Owners
  • Bristol West
  • CNA
  • Hagerty
  • Hartford
  • Infinity
  • Progressive
  • Safeco
  • Secura
  • State Auto
  • Travelers