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Tag: home

How to Protect Your Home From a Snowstorm

Posted on by agentinsure

It’s that time of year again! Colorado gets covered in snow that makes you want to get cozy in your nice warm hat. You may feel that your house is protecting you, but when snow storms get wild you need to protect your house. If you prepare your house before the worst happens, the damage to your home will be kept at a minimum. Keep in mind, it’s not just your roof and pipes that need to be prepared. If you have large trees on your property, they need to be pruned. 

How To Protect Your Home

Start with your gutters and roof. Clean out the debris and leaves from your gutters and downspouts. This will prevent ice dams from forming to ensure proper drainage. Check your roof for damage and repair any leaks. Trim dead or weak branches that hang over walkways, cars, and your roof. Not only will you keep a snow- and ice-laden branch from causing damage, but you will discourage vermin from taking up space in your attic. Water pipes in unheated areas such as crawl spaces need to be insulated so that they don’t burst. Use caulk and weatherstripping to seal gaps around doors and windows. This will keep the cold air out. If you have a garage or carport, park your car there so it won’t be damaged by snow storms. Your furnace and chimney should be inspected and cleaned. In case of an emergency, stock up on non-perishable food and water as well as batteries and flashlights. 

CO Insurance Specialist Serving Wheat Ridge, CO 

For more information on home insurance, we at CO Insurance Specialist, serving Wheat Ridge, CO, are happy to help you. Give us a call today.

How To Apply for Home Insurance

Posted on by agentinsure

If you own a home, it’s vital to insure it, even if insurance is not required by a mortgage holder. Your home is very likely both the most expensive thing you own and the most important thing you own. Don’t treat home insurance like an afterthought. If you know what you’re getting into, getting your home insured could be easier than you think. Just keep in mind what coverage you really need and what policy type would be the best choice for you. 

How To Do It

First, decide how much coverage you need. At a minimum, you will need enough for the replacement cost coverage in case you need to rebuild entirely. You may want to evaluate add-ons and endorsements such as sewer or water backup coverage and scheduled personal property. Equipment breakdown coverage covers your HVAC and large appliances like the refrigerator. If you have a home business, consider home business endorsements. You may also want to consider flood or earthquake insurance, depending on where you live. Make sure to get quotes from at least three companies so that you can comparison shop. An agent will ask a lot of questions about your house, so have the answers ready. After you’ve decided on a policy, all that’s left is to finalize the details. That’s a simple matter of signing the paperwork and making that first payment. Make sure you go over the contract thoroughly. 

The CO Insurance Specialist Serves Wheat Ridge, CO

We at the CO Insurance Specialist, serving Wheat Ridge, CO and surrounding areas, are happy to assist you with any of your home insurance needs. Give us a call today. 

Does My Home Have to Be Insured at the Current Market Value?

Posted on by agentinsure

What to Know About Homeowner’s Insurance and Replacement Cost

Homeowners in Wheat Ridge, CO, seeking homeowner’s insurance may wonder whether their policy is based on the market value or the replacement cost of their home. This is an important question. At CO Insurance Specialist, we take the time to explain all aspects of a homeowner’s policy, including the basis of the coverage.

Market Value

The market value of a home can be unpredictable, much like a rollercoaster ride. Prices fluctuate depending on trends in the current market and various factors. In Colorado, however, your homeowner’s insurance policy is not based on the current market value. Instead, it is determined by the home’s replacement cost.

Replacement Cost

Homeowner’s insurance should be based on the cost to rebuild your home, not the price you paid for it or its current market value.

The replacement cost takes into account several factors, including the current price of construction materials, which can vary significantly. Labor costs for rebuilding the home are also included, along with the size of the house, its foundation, and any special features. The goal is to restore the property to its original condition using current pricing.

By basing your homeowner’s policy on the replacement cost, you ensure that you are not relying on an estimate of what someone might pay for your property (market value). This type of coverage can help you avoid out-of-pocket expenses if your home needs to be rebuilt.

Contact Us

Purchasing homeowner’s insurance doesn’t have to be overwhelming. Contact us at CO Insurance Specialist. We are committed to helping the Wheat Ridge, CO, community protect their homes with policies that safeguard their investments.

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