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CO Insurance Specialist

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

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Coverage provided by condo insurance

Owning a condo is an excellent option for those not enthused about yard work and exterior home maintenance. It is also a way to break into what can be a complex housing market. At CO Insurance Specialist in Wheat Ridge, CO, we are here to help you insure your condo and provide any other insurance you may need. 

Property coverage

Condo property insurance is somewhat different from the property insurance on a freestanding home. With a condo, the condo association has a master policy that covers the exterior of the building, so things like porches, roofs, and common areas are not your responsibility. You are responsible for things within the condo, like the kitchen cabinets, bathroom fixtures, flooring, etc. Read your covenant to understand precisely where your coverage needs to begin. 

Liability coverage

In the same way that the condo association covers the exterior of the building, they also have liability on the exterior, common areas, the parking lot, and the swimming pool or gym. You are liable for injuries within your unit or by family members away from your unit. 

Content coverage

The content insurance covers all of your personal possessions. This includes clothes, jewelry, electronics, cooking implements, furniture, and decor. You can cover it for the current value or the cost to replace it; the choice is yours. 

Loss of use

If your condo is damaged by a covered hazard and is damaged badly enough that you can’t live there, this insurance pays for temporary housing while repairs are underway. It helps relieve some of the stress. 

If you live in Wheat Ridge, CO, or the surrounding area, we look forward to serving all your condo insurance needs at CO Insurance Specialist. Give our office a call or stop by for a no-obligation quote. 

FAQs about home insurance for seasonal properties

A seasonal property can provide an idyllic escape from your ordinary home. Whether you’re nestled in the mountains, beachside, or somewhere in the country, these properties create memories for years to come. At CO Insurance Specialist serving Wheat Ridge, CO, we get asked many questions regarding home insurance for seasonal properties. Let’s take a look at some of them below.

Is A Separate Policy Needed For A Seasonal Home?

A separate policy is typically needed for a seasonal home because it is considered a secondary or vacation property. Since seasonal homes are not occupied year-round, they have different risks and coverage needs compared to primary residences. The structure and contents inside need to be protected just like your ordinary home.

Is It Required From Mortgage Lenders?

Are you considering a loan for a seasonal property? Mortgage lenders will also require insurance on the property just like they would for a primary residence. This protects their investment in case of any damage or loss to the property. Lenders typically require you to provide proof of insurance before approving the loan.

What Are The Benefits Of Seasonal Home Insurance?

Your second home may not be your primary residence but is still vital and valuable. To avoid a significant financial loss in case of any damages caused by unforeseen events, it’s essential to take necessary precautions. Nothing can give you more peace of mind than knowing you have protection for your property, even if you’re not in it.

CO Insurance Specialist can help residents in Wheat Ridge, CO with insurance if they own a seasonal property. Feel free to get in touch with us if you need to get an estimate or have any other questions.

Tips to Avoid Car Accidents and Stay Safe on the Road in Colorado

Use these tips from CO Insurance Specialists to stay safe and limit insurance claims that can drive up your premiums in Wheat Ridge, CO. Following traffic rules, maintaining your car, and avoiding distractions are just a few ways to avoid a collision.

Tips for Safe Driving in Colorado

Whether you’re a teen or veteran driver, your attitude matters when you’re behind the wheel. Focus on driving and limit time spent looking at texts, GPS, and other electronic distractions. Additionally, it’s essential always to wear your seat belt. It’s tempting to unbuckle when driving to the grocery store or on short commutes. However, the safest way to drive is always to keep your seat belt on.

If you’re a teen driver or the parent of one, remember that practice makes perfect. Besides learning laws that apply in Colorado, it’s essential to have practical experience. Many driving schools handle the stressful job of making teens safe drivers, saving parents from the stress of doing the job themselves.  

Rain, ice, and sleet can make the roads slick. However, you can practice these conditions by taking a defensive driving course and taking things slowly during storms and other weather events.

Leave your cell phone at home or tucked away. Only use it for emergencies. If you’re using GPS, consider turning on the audio to help keep your eyes on the road.

Make Sure Your Auto Insurance Covers Your Driving Habits

Want to provide your interests on the roadway? If you live and drive in the Wheat Ridge, CO area, choosing the right auto insurance policy to suit your lifestyle is important. Contact an agent at CO Insurance Specialist for a free review of your current policy and customized advice on auto insurance in Colorado.

Why do I need home insurance in Colorado?

Owning real estate in the Wheat Ridge, CO area has been a smart investment for a long time. When you buy a property here, you will have a stable place to live and an asset that has appreciated in value over the years. When getting a home, you also need insurance for it. A home insurance plan should be considered a necessity for many reasons. 

Financial Protection

An important reason to get a home insurance plan in this part of Colorado is for financial protection. A proper home insurance plan can protect you in various ways. It will give you coverage for your home if the damage is due to fire or other situations resulting in a loss. You will also receive liability coverage that will be helpful if there is an accident on your property that you are held responsible for. 

Comply with Requirements

A home insurance plan is also useful as it will help you comply with such requirements. If you buy a home, you will probably take out a mortgage, and you may also live in a larger home association. In either situation, you will be required to carry home insurance. With this coverage, you will remain in compliance with such requirements. 

No matter where you live in the Wheat Ridge, CO area, you need to ensure you have the right insurance for your property. When you start looking for a new policy in this area, it would be a good idea to call our professionals at the CO Insurance Specialist. We know how important home insurance is here, and our team at CO Insurance Specialist can ensure you choose the right policy that protects your home and meets your needs. 

What You Need to Know about Qualifying for Classic Car Insurance

Are you the proud owner of a vintage vehicle in Wheat Ridge, CO? Classic and collector car insurance policies are designed for cars considered rare, significant, and often only used for limited purposes. CO Insurance Specialist discusses the key criteria for determining whether a vehicle qualifies for classic car insurance.

Age and Condition

Age and condition are among the most important criteria for determining whether a car qualifies for classic car insurance. Generally, a classic car should be at least 25 years old and in good condition. There is no definition of "good condition," but it usually refers to a well-maintained vehicle, free from significant damage and with all its original parts.

Rarity and Historical Significance

Another essential factor to consider is the rarity and historical significance of the vehicle. Cars produced in limited numbers or with a unique history are often considered more valuable and thus may qualify for classic car insurance. For example, a Model T Ford from the early 1900s is considered rare and historically significant and therefore is more likely to be viewed as a classic than a 1985 Chevy Camaro.

Limited Usage

One of the defining features of a classic car policy is limited usage. These policies are designed for cars used only for limited purposes, such as car shows, exhibitions, or parades. Because these cars are typically driven less frequently, they often have lower premiums than standard policies.

To qualify for classic car insurance in Wheat Ridge, CO, your vehicle must meet specific criteria, including age, condition, rarity, historical significance, and limited usage. If you’re unsure whether your car qualifies, contact CO Insurance Specialist.

Required Auto Insurance in Colorado

In Colorado, it’s required by law to have auto insurance for all vehicles that you own. You need this insurance from the first day you own the vehicle and keep proof of insurance inside it. When you need auto insurance for a vehicle you’re buying or want to switch insurance companies, call us at CO Insurance Specialist in Wheat Ridge, CO. 

Bodily Injury Liability

To stay legal in Colorado, you must have a lot of bodily injury liability coverage. There is one amount that is required to be in place for one person who is injured. Then, there is another amount that is required for all of the people who are injured in the accident. Both of these amounts are relatively low, so it’s often recommended to raise the amount you get higher than what is required.

Property Damage Liability

One amount for this coverage is required to be in your insurance policy. This coverage pays for someone else’s property damage after an accident. This may be to another vehicle, building, or pole, among other things. This amount is also relatively small in Colorado, and getting more than the minimum required by law is often recommended. 

Uninsured/Underinsured Motorist

This coverage is required to be in your policy when you first build your policy. However, it can be refused through writing. It’s often a good idea to keep this insurance in case a motorist strikes you without enough insurance or none at all. This insurance comes with an amount for one person who is injured and another amount for everyone in the accident who is injured. You can get as much of this coverage as you have in your bodily injury liability. 

Get Auto Insurance 

Call us today at CO Insurance Specialist in Wheat Ridge, CO if you need auto insurance.

Facts About Condo Insurance

If you own or rent a condo, you need to ensure you have the right insurance policy. Anyone who fails to do so is leaving themselves exposed to potentially serious liabilities, while the right condo insurance policy can reduce risk. The same is true for renters’ insurance and other insurance programs. Contact CO Insurance Specialist, serving Wheat Ridge, CO, and beyond, to learn more about condo insurance policies.

A Closer Look at Condos and Condo Insurance

Millions of Americans live in condos, HOA units, and apartments. Data can vary from source to source, but the Federal government notes that roughly 5 million American households dwell in a condo. In New York, nearly a quarter of the population lives in an apartment-type unit, according to Statista. In Colorado, about 13 percent live in an apartment.

Often, folks living in apartments and condos fail to realize that they may need renters’ or condo insurance. With renters, for example, only about 55 percent have insurance and the property owner’s insurance policy may not cover vital liabilities. Unfortunately, if you don’t have the right insurance policies for your situation, there is a serious risk of exposing yourself and other loved ones.

A general insurance policy might cover a condo building. However, this policy may not cover everything, and your personal unit might be primarily uncovered. Often, an insurance policy for the condo building will only cover certain things, like public areas or damage to exteriors. Meanwhile, damage inside your unit, say, caused by a break-in, may not be covered.

Is condo insurance right for you? Before taking out an insurance policy, it’s essential to evaluate your needs closely. Then you can select an insurance policy based on said needs. Contact CO Insurance Specialist serving Wheat Ridge, CO, and beyond, and we can help you compare condo insurance policies.

Three priorities when you purchase classic car insurance

When you are the proud owner of a classic car, you must ensure it’s adequately insured. Classic car owners in Wheat Ridge, CO can come to us at CO Insurance Specialist for classic car insurance. 

It’s essential to understand your priorities when you buy classic car insurance. The following are three priorities you should be aware of when you choose a policy. 

Covering the full value of your classic car

It is crucial to assess the value of your classic car and ensure that your policy covers you for its full value. You should also invest in a replacement value policy rather than an actual cash value policy. 

In the event of a total loss, a replacement value policy compensates the policyholders with funds to replace the vehicle completely. This is different from an actual cash value policy, which only compensates the policyholder for the vehicle’s market value at the time of the accident. 

Meeting vehicle insurance requirements in Colorado

Colorado has auto insurance requirements that vehicle owners must meet. The policy requirements for a classic car owner are the same as the policy requirements for the owner of a standard automobile.

To drive your classic car legally on public roads in Colorado, you need to have a policy that has at least $25,000 in bodily injury coverage per individual in an accident. Your policy also needs to have $15,000 in property damage coverage. 

Understanding the details of your classic car insurance policy

You should never purchase an insurance policy that you don’t fully understand. Read over your policy and ask your insurance provider any questions to ensure you understand the coverage you’re getting. 

We will help you focus on these priorities and buy the right policy when you choose classic car insurance in Wheat Ridge, CO. Get in touch with us today at CO Insurance Specialist, and we’ll give you a quote on a policy. 

Does Home Insurance Cover Termite Damage?

Home insurance is one of the most essential tools a homeowner can possess to help them avoid losses related to risks. One particular risk for any homeowner is termite damage. If you’re interested in finding home insurance coverage that protects against termite damage and other dangers, please get in touch with our insurance experts at CO Insurance Specialist. We proudly offer quality services to Wheat Ridge, CO, residents.

Termite Damage 

One significant risk to many homeowners is termite damage. Termites are small pests that eat wooden structures and can seriously compromise the integrity of a home. Termite damage is costly and can create significant damage to a building. Quality home insurance coverage is the best way to protect homeowners against termites. You can work with one of our helpful insurance agents to get policy protection that can offer security and peace of mind against associated risks such as termites and more. We work closely with each customer to assess their current and future needs. We then take the time to match our customers with insurance policies that offer the most benefits.

We also offer various products and services for other insurance needs. Our goal is to protect our customers by helping them choose the right Insurance products for each specific need. Will provide support and education during the process of policy selection and support during the policy’s lifetime for any changes or claims submissions.

Reach Out Today 

Anyone interested in securing home insurance that offers them an umbrella of protection against various risks should consult with our insurance team at CO Insurance Specialist. We strive to provide exceptional customer service with a full range of quality insurance products to the residents of the Wheat Ridge, CO, area. Call or stop by our office today to get more details.

Is Condo Insurance A Good Investment?

There is a lot of debate over which type of housing is the best sort of investment. Many believe that buying a house is the only intelligent housing investment. But the truth is different people have different housing needs. One size does not fit all. Many people choose condo living because it helps to simplify their housing situation. Even though you are not necessarily investing in a home you will own one day, you can make an intelligent investment by purchasing condo insurance. At CO Insurance Specialist serving Wheat Ridge, CO, we want to help you make wise insurance choices. Keep reading to learn more. 

How Is Condo Insurance An Investment?

Condo insurance is one way to protect your personal belongings while living in a condo. If the condo is damaged somehow and your personal belongings are lost or damaged, it is your financial responsibility to repair or replace those items. This might cause financial hardship if you must pay for all of that out of pocket. A solid condo insurance plan can help offset these expenses so that it does not put an unnecessary financial strain on you or your family. 

What Does Condo Insurance Cover?

Condo insurance provides coverage for your personal belongings. The amount of coverage you will need to purchase will depend on the value of the items. An insurance expert can help you to evaluate the items to ensure you get the right policy for your needs. 

If you want to learn more about condo insurance, please contact us at CO Insurance Specialist serving Wheat Ridge, CO, and the surrounding areas. 

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