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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.

Is Usage-Based Auto Insurance Right for You?

Wheat Ridge, Colorado is a great place to hike and explore nature. From the mountains to the lakes, there is so much to see, which is why a lot of residents like to call Wheat Ridge home. Wheat Ridge’s appeal doesn’t stop at residents, but many businesses call Wheat Ridge home as well.

Increasing costs of operations have many businesses looking for ways to cut costs, especially when it comes to insurance costs. In fact, many managers may be contemplating purchasing user-based insurance products in order to reduce the amount of money that’s paid out each month.

What is user-based insurance?

Promoted as a safety and cost-efficient tool, user-based insurance allows consumers and businesses, especially businesses with fleets, to receive discounts on their auto insurance based on their driving, which is measured using telematics. With user-based insurance, insurance agencies and businesses can monitor driver’s behaviors and how much they actually drive, in real-time.

Is user-based insurance right for you?

The best way to determine whether user-based insurance is right for your business is to speak with an insurance agent. Insurance agents are aware of the risks their agencies take into consideration when rating insurance. Based on this information, your local insurance agent will be able to determine whether your business can save money by measuring driver’s behaviors.

In truth, user-based insurance is a win-win for all involved. Companies that hire safe drivers are rewarded for reducing risks, insurance companies do not have to pay out large claims, and drivers are safe on the road. For companies with bad drivers, their insurance companies can keep them informed about driver’s behaviors so that they can correct the problems that persist. If you are in the market for commercial insurance, contact our local office to inquire about usage-based technologies that can save your business money and reduce the number of accidents your business has each year.

Getting Your Wheat Ridge, Colorado Home Ready for Spring

Spring has officially arrived in Wheat Ridge, Colorado and soon you and your neighbors will be out enjoying the great outdoors. You are likely ready for the warmer temperatures but is your home? Here are some tips for getting your home ready for spring.

  • Your gutters and downspouts play an important role in getting water away from your home. Now is the time to clean them from the debris of last fall and winter and get them running smoothly.
  • Check the area around your outdoor air conditioning unit. Make sure your AC unit is clean and free from grass and shrubbery.
  • Take a walk around your home and visually inspect your roof. Look for missing or loose shingles and uneven spots in the surface.
  • Take a good look at your foundation. Look for signs that it may be sinking. Stair-step cracks in bricks or cinder blocks are a good indication that you may have foundation issues. Make sure your porch isn’t sinking.
  • Test any outdoor play equipment before letting your children play on it. Wooden play and swing sets can suffer deterioration during the cold weather.
  • Check your outdoor grill carefully before you use it.
  • If you have a fireplace, clean it out. You will thank yourself in the fall.

This is the perfect time to get a homeowners insurance review. Your CO Insurance specialist can review your policy, making sure you have sufficient coverage. We are an independent agency serving Wheat Ridge and we would be glad to assist you. Visit our website for a comparative quote on your homeowners or auto insurance. You can also contact us requesting a homeowners insurance review. Get the peace of mind you deserve by making sure your home is ready for spring. Contact your CO Insurance agent today.

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.

Hail Damage: What Can Really Happen

Wheat Ridge is on the western corner of Denver, Colorado. Winters can be very cold and accompanied by a lot of snow. Summers are mild. Everywhere you look, there is a lot of recreation to be had. The city has a population of around 30,000 and is growing on an annual basis.

It’s important to look at hail damage in terms of car insurance because you want to have the necessary protection. The state of Colorado mandates that all drivers have liability insurance. This covers property damage and personal injuries, but nothing having to do with the damage that stems from hail. This would require comprehensive insurance – and it’s a coverage option that can easily be added to your policy.

Hail can range in size from the size of grains of rice to the size of golf balls and larger. As these fall from the sky and land on your vehicle, it can cause a significant amount of damage including:

– Dings in car body

– Cracked windshields

– Damage to clear coat

The damage to the clear coat can have the greatest impact because it may not be seen right away. However, it is this coat that seals in the paint and prevents it from chipping away. If the paint starts to chip, the body of the car can rust, causing problems to the overall construction as well as the aesthetics.

Insurance agents can talk to you about the number of hail damage claims in Wheat Ridge over recent years. This will help you to understand the sheer extent of damage that can occur so you can get the needed protection.

Policies can be affordable, even with this coverage. Call and talk to one of our agents today and we will talk to you about hail and how to get the best policy.

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