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CO Insurance Specialist

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

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Does everyone need auto insurance in Colorado?

Anyone that lives in the Wheat Ridge, CO area will want to know that they have an efficient way to get around. Owning a vehicle can ensure you can get around and enjoy all that the community offers. If you purchase or lease a vehicle, getting auto insurance will be a necessity. There are various reasons why this coverage should be considered necessary. 

Mandated as Legal Requirement

Anyone in this part of Colorado will need auto insurance because it is mandated as a legal requirement. If you are going to drive any vehicle in this state, you need to meet the set insurance standards. This will typically require that you at least have liability coverage. If you have leased the vehicle or taken out a loan, the financing company will also require collision and comprehensive protection. 

Protect Investment

You also should get an auto insurance plan to ensure you are protecting your investment. If you choose to buy a car, you will want to use it for a long time. A great way to protect this is by getting an auto insurance policy that has full coverage. In this situation, you will have support if your car is damaged or stolen. 

If you buy a car when you are in the Wheat Ridge, CO area, you will want to know that you are adequately insured. The professionals with the CO Insurance Specialist can offer any support needed to build your next insurance plan for your car. If you call the CO Insurance Specialist, they can provide a personalized assessment that will also ensure you are aware of all needs and coverage options. 

What Are the Benefits of Having Commercial Insurance?

As a business owner, you know that protecting your investment is important. But what does commercial insurance do for you? This blog post will explore the benefits of having commercial insurance for your business.

1. It Can Help You Recover From Unexpected Events

No one can predict when an unexpected event will occur, but you’ll be prepared for the unexpected with commercial insurance. Whether your business is damaged in a fire or you’re sued for negligence, commercial insurance can help you recover. However, it is essential to note that not all commercial insurance policies are created equal. Please make sure you understand what your policy covers before you purchase it.

2. It Can Give You Peace of Mind

As a business owner, you have enough to worry about without having to stress over whether your business is adequately protected. With commercial insurance, you can rest assured knowing that your business is covered in the event of an accident or disaster.

3. It Can Help You Attract and Retain Customers

Customers are more likely to do business with a properly insured company. If something goes wrong, they’ll know that they’re protected. This can give you a competitive advantage and help you attract and retain customers.

4. It Can Help You Protect Your Employees

Your employees are your most valuable asset, and you want to do everything you can to protect them. Workers’ compensation insurance can help cover their medical expenses if they’re injured on the job. This type of insurance can also help you avoid lawsuits.

5. It Can Help You Save Money

You may think that commercial insurance is expensive, but it can save you money in the long run. If you’re adequately insured, you won’t have to worry about paying for damages or medical expenses out of pocket.

Commercial Insurance in Wheat Ridge, CO

There are many benefits to having commercial insurance for your business. Whether you’re just starting or you’ve been in business for years, it’s never too late to get insured. Contact CO Insurance Specialist in Wheat Ridge, CO today to learn more about your options.

Is your classic car insurance sufficient?

Wheat Ridge, CO area car enthusiasts are fortunate to have the CO Insurance Specialist team available to help them with all of their insurance needs. We are here to help you make sure that your classic car has the right policy protecting it.

Owning a classic car is a commitment

Anyone who owns a classic car understands that it’s not a hobby. It is a commitment. And, there is typically a lot of financial investment that goes along with owning this type of vehicle. Because of this, you want to make sure that your classic car policy provides the coverage that you need.

There are a number of different factors that can impact your decision when you are selecting your policy:

  • How often do you drive the vehicle?
  • How far is it driven?
  • Do you store your car at home or off-site?
  • Is it stored in a temperature-controlled area?

These are just a few of the questions that you should review with your insurance agent. Depending on your answer to the above queries, your insurance needs may be different than what you expect.

Owning a classic car is a serious joy, and with that joy comes a strong sense of responsibility. You want to make sure that your vehicle has the necessary coverage in place now and for the foreseeable future. Now is a perfect time to review your classic car policy.

We are here for you!

If you live in the greater Wheat Ridge, CO area and own a classic car, it’s time to get to know the CO Insurance Specialist team. We are here to help you find the right policy and protection for your classic call. Give us a call today and set up your consultation. We look forward to working with you!

3 Ways to Make Your Home Greener

There are numerous ways in which you can create an eco-friendly home in Wheat Ridge, CO. Some ways are easier than others. However, if you are interested in sustainable living and going green, you will want to speak to an insurance agent at CO Insurance Specialist to ensure you are properly covered based on the changes you make. In the meantime, here are a few ways you can make your home greener.

Switch Out Incandescent Lights with LEDs

Who doesn’t like to save money? Well, you can save money on your utility bills while also saving the environment. LED lights tend to use approximately 75 percent less energy and can potentially last up to 25 times longer. To make things even more efficient, install motion sensors or automatic timers to ensure you don’t use the lights more than necessary.

Install a Smart Thermostat

With the installation of a smart thermostat, you can save money by heating and cooling your home while also reducing your energy emissions. You will want to create a schedule for your smart thermostat so it will operate accordingly. You can set it so that the thermostat kicks off in the morning when you leave for work and comes back on about an hour before you should arrive home. You can also set the thermostat to reduce its temperature at bedtime. Did you know if everyone were to use a programmable thermostat, it would be possible to offset about 13 billion pounds of greenhouse gases annually?

Use More Cold Water

A significant portion of your home’s energy goes toward heating water when you wash your clothes in hot water. You can reduce your energy use by 50 percent if you switch to warm water. However, if you want to save even more energy and money, switch it to cold water. Instead of using your dryer, opt to hang your clothes up to dry.

When you make technological upgrades to your home in Wheat Ridge, CO, reach out to CO Insurance Specialist to ensure they are covered by your home insurance policy.

A Brief Guide to Classic Car Insurance

If you own a classic car in Wheat Ridge, CO, you know there isn’t much that can compare to taking it out on a nice afternoon for a ride that turns heads. Whether you own a classic car or are considering purchasing one, it is important to understand that these vehicles require a different type of insurance policy than the standard automobile. CO Insurance Specialist shares a few things you should know about classic car insurance.

How Do You Become Eligible for Classic Car Insurance?

Most auto insurance companies have a specific list of requirements to be able to insure a classic car. Though there isn’t usually a minimum value requirement, it is stipulated that a vehicle is worth more currently than when it was originally made. Further, the vehicle usually needs to be at least 10 years old.

Insurance companies will also take into consideration the condition of the vehicle. It should be running (or close to it) and in good shape overall. The vehicle is required to be stored indoors and maintain low mileage. There will generally be a set number of miles that the vehicle can be driven each year.

What Is the Difference Between Standard and Classic Auto Insurance?

Both standard and classic auto insurance offer the main types of protection, such as collision, comprehensive, and liability. Classic car insurance simply takes things a step further based on the very unique needs of older vehicles.

For instance, it will take into account the higher costs of a collision, as classic models will typically cost more to repair due to the need for rare mechanical skills and lack of available parts.

Classic car insurance is designed specifically for the higher expenses and needs of a vintage or antique car.

If you have any questions about classic car insurance in Wheat Ridge, CO, contact the professional agents at CO Insurance Specialist.

4 Important Parts of Commercial Insurance Coverage

Commercial insurance offers protection for businesses of all shapes and sizes against a variety of potential losses. Some of the most common forms of commercial insurance coverage include property damage, theft, and injury liability. However, when you start your own business in Wheat Ridge, CO, you never know what kind of protection you need. This is where CO Insurance Specialist comes in. 

As you search for a business insurance policy, you will want to be familiar with some of the main features of a policy. 

Liability Insurance

Commercial liability insurance is designed to protect you from damages caused by your business. It will cover injury costs and legal expenses if a lawsuit is brought against you. It will also cover property damage that occurs as a result of your products or on your commercial property.

Property Insurance

Commercial property insurance protects you from damages and losses to the business property. Some of the most common covered perils include fire, flood, and theft. 

Workers’ Compensation Insurance

Commercial workers’ comp is designed to provide protection for your company in the event that a staff member of yours suffers an injury while on the job. It also offers protection against lawsuits claiming negligence for injuries that occurred to an employee during working hours.

Auto Insurance

Commercial auto insurance is necessary for companies that have a fleet of vehicles that are used for business purposes. This is true even if you only have one vehicle designated for business. This insurance offers coverage for property damage, bodily injury liability, uninsured motorist, collision, medical payments, and more.

If you currently do not have commercial insurance, contact CO Insurance Specialist, serving Wheat Ridge, CO.

Understanding the Difference Between Full Coverage and Liability Auto Insurance

As a driver, you want to carry auto insurance so you, your vehicle, and other motorists are protected. As you begin shopping for auto coverage, you will find there are multiple types of policies available. Each of these policies offers different protection. The two most common types of auto insurance are liability and full coverage. CO Insurance Specialist, Wheat Ridge, CO, shares some information on what differentiates the two.

Liability Auto Insurance Coverage

Liability insurance coverage will cover the cost for any vehicle damage or personal injuries that occur to other motorists when you are deemed at fault for an accident. Most states require that you carry a minimum amount of liability insurance. This amount varies from one state to the next. 

It is important to understand that this liability coverage fails to cover any kind of personal expenses you may incur as a result of the accident. As a result, when you only have liability insurance for your vehicle, you are assuming a much higher amount of risk personally. With that being said, liability insurance is usually only opted for older vehicles that don’t have a high monetary value.

Full Coverage Auto Insurance

When you are equipped with full coverage insurance for your vehicle, you have the aforementioned liability coverage as well as collision and comprehensive coverage. The collision insurance coverage protects you by paying for the vehicle repair costs after it sustains damage from an object or another motorist, regardless of who is found to be at fault. The comprehensive insurance coverage will pay for repairs that are not related to an auto collision, such as hitting a deer or vandalism. 

You have much greater coverage when you purchase this type of insurance. The potential out-of-pocket expenses in the event of an injury or accident are lower. Further, if you are leasing or financing your vehicle, this coverage is generally required by your lender or the dealership.

If you have more questions about liability and full coverage auto insurance, or if you need help putting together the right policy for you, contact CO Insurance Specialist, Wheat Ridge, CO, for professional guidance.

What’s the Difference Between Classic Car Insurance and Auto Insurance?

Whereas auto insurance is designed for vehicles used for daily use, classic car insurance is meant for collector vehicles that are driven infrequently. Aside from usage, classic car and regular auto insurance also differ in the way that a settlement is determined for a total loss claim. Unlike traditional auto insurance that factors in depreciation, classic car insurance agrees on a set price for the value of your collector car at the time of purchase so that you’ll know exactly what the payout is if there is a total loss. Otherwise known as Agreed Value Insurance, this feature of classic car insurance helps to protect the entirety of the investment made in the vehicle which is often quite substantial.

To qualify for classic car insurance, a vehicle must be at least twenty-five years old or be deemed a collector/exotic value that has substantially appreciated in value. Keep in mind that classic car insurance is only for vehicles that are not driven regularly and there will likely be a mileage restriction regarding usage. Given that a collector vehicle is driven infrequently leading to a lower accident frequency, classic car insurance is often less expensive than regular auto insurance. 

If you own a classic car and are in the Wheat Ridge, CO area, give CO Insurance Specialist a call to learn about your insurance options. We’ll determine if your vehicle is eligible for classic car insurance and work hand in hand with you to establish an appropriate value for your collector automobile. Give the friendly and professional team at CO Insurance Specialist in Wheat Ridge, CO a call today to schedule a no-obligation consultation. 

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.

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