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CO Insurance Specialist

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

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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. 

Safe Driving On Snowy Colorado Roads

Here’s your most important tip for driving on snowy roads in Wheat Ridge, CO: When it’s coming down so hard you can’t see fifty feet in front of you, turn around and go back home if you can.

If you can stay out of the icy, snowy roads, then that’s really for the best, but if that’s not an option, here are some tips:

  • Slow down!

This is especially important in limited visibility.

  • Give yourself twice as much time to brake.

If you’re one of those people that slams on your brakes right at the stop sign, that’s going to send you skidding out into the intersection on an icy Colorado road.

  • Give your car time to warm up.

If you start gunning it the second you turn your key, you’re going to damage frigid, frozen parts that are not ready to be moving just yet. Metal isn’t as hard as it looks, it has a little bit of give to it that makes it flexible and allows it to run safely without fracturing, but it has to warm up for that to work.

  • Do not take unnecessary trips.

Do you really need a Mountain Dew and a bag of potato chips right now, or can it wait until the sun comes out? The less time you spend on the road, the less likely you are to get into an accident.

  • Pack blankets.

You never know when you’re going to wind up stuck on the side of the road waiting for a tow truck. Make sure you have the means to stay warm if the heat goes out.

And of course, make sure that you have adequate insurance. Contact CO Insurance Specialist for free quotes and stay safe.


3 Reasons to Review Your Home Insurance Annually

Your home insurance annual review isn’t a ploy to get you to increase your policy. It’s an important component to ensuring that you have enough home insurance at any given moment. The following are on a few of the reasons why you shouldn’t avoid an annual insurance review in Wheat Ridge, CO.

You’ve Gotten Married

Getting married is a big milestone in life. Not only are you showing the world your undying love for another person, you are also living together. Living together is a big deal when it comes to home insurance in Wheat Ridge, CO. By combining your personal belongings, your home insurance policy may not be enough to cover both of your items. If you’ve gotten married, then you should have an annual review to ensure you have enough home insurance coverage.

You’ve Bought More Creature Comforts

Throughout the year, we purchase a lot of things. From new computers to boats to fancy jewelry, we want our lives to reflect our lifestyles. If you are like many people who accumulate a lot of creature comforts throughout the year, then it’s imperative that you get your home insurance policy reviewed. A review can uncover that you need additional specialty insurance as well as more home insurance.

You’ve Renovated

When you renovate, you do so to improve the comfort level in your home. You want to make sure that you can get the most benefit of your home. However, many renovations increase the value of your home. As such, you must make sure that your home’s insurance policy reflects the increase; otherwise, you may have to cover damages to the addition without the help of your insurance company.

Your life changes on a regular basis. To accommodate those changes, it is of the utmost importance that you get your home insurance policy reviewed each year. Contact an agent a CO Insurance Specialist today for a free homeowners quote.




Should You Hire a Company to do a Home Inventory?

When homeowners in Wheat Ridge, CO review their home insurance coverage, they are often unsure of they have properly accounted to the full value of the items within their home. We all accumulate things over the course of the years, and many items of value are sold, given away or otherwise removed from the home, as well. Having a comprehensive record of the personal possessions within a home can make it easier to file a claim if there is damage or loss. The team at CO Insurance Specialist field numerous questions concerning the best way to create a home inventory.

There are two basic approaches: homeowners can do the inventory themselves, or hire a professional to complete the process on their behalf. Taking the DIY approach requires that homeowners have the time and equipment needed to create the inventory. Many people choose to use a video camera or digital camera to record images of specific items of value, such as artwork, jewelry or major appliances and electronics. It is also important to scan any receipts or other documents. A list of model and serial numbers, manufacturer names and the initial purchase costs are also great details to include.

In terms of using a professional company to create a home inventory, the primary benefits lie in the time saved, as well as the peace of mind that comes with handing the task off to trained professionals. Once the process is complete, the homeowner is given a digital file, disk or other storage option that contains the full inventory. This convenience may come at a cost, but the expense could be well worth it in the event that a sizable claim must be made.

Please feel free to contact an agent with CO Insurance Specialist in Wheat Ridge with any additional questions about the value of a home inventory.

Classic Car Insurance in Wheat Ridge Colorado

In and around Wheat Ridge, CO you’ll see some beauties hidden under tarps in garages, sheds and barns. They’re the classic collectible cars and trucks that have been owned and maintained from father to son or daughter. You don’t want minimum liability insurance on that classic Corvette. Its a collector car, and it needs to be insured all the way around. Minimum liability coverage isn’t going to cover you if you hit a deer, or a jealous kid keys the paint. Don’t forget about uninsured or underinsured drivers either. Anything can happen once you’re out of your driveway.

We’re independent insurance agents, and we live and work in or around Wheat Ridge. We’re respected and trusted members of our communities. We’re tied in with multiple insurance companies that insure antique and classic vehicles. They can insure you by the year, by miles per year or months our of the year. We’ll even help you establish a firm value that an insurer will pay you if your classic vehicle is destroyed. Those are choices we can offer you that other agents just can’t give you. They’re not permitted to do that.

As opposed to agents from the "big three," the classic car insurance information that you get from us is objective, unbiased and free from influence from any one insurer. We want to give you choices and have you make the selections that you’re happy with so that you and that timeless classic are covered all the way around. We’ll work with you on customizing that coverage package.

Whether you’re looking at buying that 1966 GTO or already have a 1968 396 Chevelle SS, don’t hesitate to contact us. We’re happy to talk with you and put together a coverage package with you.

What You Need to Have Before Getting a Commercial Insurance Quote

If you have ever owned a business and suffered a financial loss caused by an unforeseen disaster, then you know the benefits that a commercial insurance policy can have. This kind of policy has many parts to it that work to protect your business from financial losses. To help you get the commercial insurance quotes in Arvada, CO, here are some things that you will want to have before starting the process.

Getting Organized for an Insurance Quote

  • If you currently have an insurance policy, you will want to have a copy of it when getting a new quote. This allows you to compare the old policy with the new quote. It also gives you the information that you need to match up each coverage benefit for an accurate quote.
  • You will also want to have driver information if you have a fleet of cars that service your company. You can add auto coverage to protect your cars and each driver that works for you by adding this type of coverage.
  • You will also want to know how much merchandise protection you need. This means that you will need to know what your inventory is worth. This way you can be sure that your policy coverage limits are high enough to cover everything.

If you live in zip code 80002 and are looking for a quote for commercial insurance, then our agents can help you. Give us a call today and let us provide you with the information you need in order to make an informed decision regarding your insurance needs. As your agent we can answer all your questions and provide you with a policy to meet your insurance needs.

Get Instant Car Insurance Quotes in Arvada, CO

A part of the greater Denver metropolitan area, Arvada, CO is a town with a lot going on. Not only is it a scant few miles outside the town limits of the world famous Mile High City of Denver, it has plenty of its own attractions, as well. There is its thriving historic district, two national wildlife refuges, and its center for the arts and humanities to start. In addition, Arvada has a long history as a gold mining town and was an important part of the mid-1800’s gold rush, with remnants from that time that can still be seen today. With clean air, lots of shopping and modern conveniences nearby, and gorgeous scenery, the 80002 zip code area is the place to be in Colorado.

Because the roads in and out of Arvada are often high and rocky as they lead up to and out of Denver, it is important to make sure your car has strong insurance coverage. Most Arvada drivers are familiar with the roads and can traverse them well. However, the millions of tourists Denver gets each year are not always so well-trained on these roadways. Accidents can happen to even the most experienced local driver, either from the actions of others or from icy, snowy conditions. Keeping the best, most solid car insurance coverage means protecting your interests if your car is damaged or if someone initiates a personal injury lawsuit against you.

You can go to the CO Insurance Specialist website to get instant quotes on auto insurance policies, so you can see how much extra protective coverage will cost you. You can also talk to one of our local agents in person to discuss the type of coverage that is best for you. Contact your CO Insurance Specialist agent today and get the peace of mind that comes with knowing you’re covered for any eventuality in your car.

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