Keeping Auto Insurance Easy

Denver Colorado is a great city that has a lot of fun things to do. You can visit the Botanical Gardens in the morning and then shop the 16th Street Mall in the afternoon, and still have time for an evening hike in the foothills. No matter what it is that you like to do, there is always the matter of auto insurance that must be handled before the fun can begin. Here are some ways that you can keep auto insurance easy so you can enjoy everyday life.

Auto Insurance Found Easy

  • You will want to review your policy on an annual basis. The review process will permit you to catch changes that you need to make to the policy in order to stay covered. You can also review what you pay on an annual basis to determine if you are paying too much for the policy.
  • Talk with your insurance agents. Keep them informed of changes in the household and what cars you are driving. This gives them an opportunity to provide you with discounts that you may be missing out on.
  • Handle claims in a timely manner. Work with the insurance company to ensure that your car or home is repaired in a reasonable amount of time.

No matter your place in life, car insurance does not have to be hard to deal with. Do not miss out on the opportunity that you have to speak with your local agent today. As your agent we can take the time to review your driving situation and make sure that your policy covers you the way that it should. Call us today and let us get to work for you.

Understanding Your Automobile Insurance

Living in Wheat Ridge, Colorado has a lot of benefits. Residents can attend a Denver Bronco’s football game or enjoy shopping the 16th Street Mall. When it comes to automobile insurance you will want to have only the best to protect yourself and your car. Here are some things that you may want to have on your policy for maximum protection.

Your Policy and What Can do For You

Knowing your auto insurance policy can help you avoid delays in payment and repair of your car. Some coverage types that you may want to have on your policy might just surprise you.

  • Comprehensive benefits give you the ability to repair your car if there is damage from hail, fire, vandalism, theft, and many more perils. This coverage is optional and can be added anytime during the life of your policy.
  • If your vehicle is new, then you may want to consider adding gap coverage. Gap coverage takes care of the gap between the amount of the auto loan and the value of the car.
  • Collision benefits provide the coverage you need to fix your car if you have hit another car or a stationary object. This benefit can be added at any time during your policies active period.

No matter what coverage or benefit you add to your policy, you can get quotes for any changes made to the policy from your local insurance agency. As your local independent agent we can help you understand your policy and make recommendations to better protect you and the vehicle that you drive. Call us today and let us get you the quote that you need to make an informed decision regarding your insurance needs.

Your Homeowners Insurance Needs in Wheat Ridge, Colorado

The Wheat Ridge area started as a strong agricultural area, just to the west of Denver, Colorado. As the population grew, the city became urbanized. By 2012, the population grew to a little over 30,000. Recently, changes have brought agriculture back to the area.

Urban farming is encouraged and community gardens and farmer’s markets can be found throughout the city. This also makes the area a perfect location for anyone desiring a smaller city lifestyle with easy access to both rural and big city opportunities. For those looking for a small town feel, the Federal Heights area to the north of Denver has a population of about 12,000 with extensive recreational choices including Water World.

No matter which city you call home, you need to be prepared for some harsh winter weather and large amounts of snow. On average, the Denver area gets nearly 60 inches of snow each year. Temperatures can drop well below zero F., but rise into the 60s the next day.

Make sure your homeowners insurance covers you for damage that could result from heavy snow accumulations on your roof. You also need to protect your home from frozen water pipes in the winter. Some residences in the Wheat Ridge or Federal Heights area may even need to have flood insurance protection.

To get the best rates for your Wheat Ridge or Federal Heights area home, compare quotes from several major insurance providers. Independent insurance agents, like the ones at our company, can provide you with quotes quickly. You can even compare quotes online at your convenience.

Don’t get caught without enough homeowners insurance for your home. Get in touch with us today. Our agents can answer any questions you have and provide information to determine if your Colorado home should have flood insurance coverage.

Homeowners Insurance Tips for Repairing Roof Damage in Colorado

Summer storms are no big news in Colorado – they’re just a fact of life. The hail storm season, which technically runs from mid-April to mid-September, routinely brings at least 3 to 4 catastrophic damage storms – a storm that causes more than $25 million in insured damage is considered catastrophic – each year. In fact, the Rocky Mountain Insurance Information Association notes that over the last 10 years, the state has seen insurers paying out more than $3 billion in hail storm damage, a great deal of it for repairing or replacing roofs on hail-damaged homes.

To help those depending on homeowners insurance to help you repair a damaged roof, Colorado TV station CBSDenver put together their Roofing Scam Awareness program recognize roof repair scams, which offers some excellent tips for finding and working with roofing contractors and your insurance company. As independent Colorado insurance agents, we’re passing along these important tips to help you get the most from your home insurance.

  • Avoid roofing contractors that offer to pay the deductible on your homeowners insurance.
  • Avoid contractors who suggest over-billing your insurance company to recover inflated costs. That’s insurance fraud and could land you in jail.
  • Notify your insurance company as soon as possible after the storm to get the claim process started.
  • Check with your insurance agent about roofing contractors. Many insurance companies have preferred contractors in different cities and regions.
  • Understand what your insurer will pay. In most cases, the adjuster’s estimate and scope of work will determine how much the insurance company will pay.
  • Get a local contractor who understands Colorado law to double-check the adjuster’s estimate.

Most importantly, check to make sure your homeowner insurance is adequate to cover storm damage to your roof. We work with many different insurance companies so that we can offer you the very best insurance options for your needs. Compare homeowners insurance quotes with our quote comparison tool right here on our website and let us help you make sure your house cover is completely covered.