Getting Your Home Ready for Spring

Spring is a beautiful season in Fort Collins, CO. Before you get out and start exploring the city in the new season, however, there are a few things you need to do to get your home ready for the spring. Use these tips from Alliance Insurance Services to help get you started. 

  • De-winterize your home. Like most people in the area, you probably took the time to winterize your home before the cold weather hit. If you did take this step, then you also need to have your home de-winterized so that it is ready for the warm weather. You should have a professional take care of this for you. 
  • Clean up around your home. While you do not need to do a ton of spring cleaning, it is always a good idea to do a little bit of cleaning around your home in preparation of the new season. Even a good dusting can make a big difference. 
  • Plant some spring flowers. There are so many beautiful colors that are awoken during the spring and if you have the space outside, you should consider planting some spring flowers around your home. You may even want to get some that will continue to bloom year after year. 

Besides doing these things to get ready for spring, there is one other thing you need to make sure you have set up. You need to have a great home insurance policy in place. If you do not already have one, be sure to reach out to Alliance Insurance Services, serving Fort Collins, CO, to get a free quote. If you do already have one, you can also have them take a look at your current policy to make sure you do not have any gaps in coverage. 

Why You May Need More Auto Insurance Than Provided By the State Minimums

As you look to purchase auto insurance, you need to pay close attention to the amount of coverage your policy provides. While you are required to carry a minimum amount of insurance, many people opt for a higher coverage level. Here is why you may wish to opt for more coverage than you are required to carry by law.

If you are involved in an auto accident, and the amount of damage done is higher than your coverage amount, you can be held personally liable for these differences. For example, if your collision coverage is $15,000, and you total a car worth $30,000, the driver of that car can sue you for the difference of $15,000. Your insurance company will only pay out the maximum amount of coverage, leaving you on the hook for that money. If you do not have it to pay out, they can obtain a judgment against you which may allow them the ability to garnish your wages, levy your bank account or even place a lien against your home. As such, it is beneficial to pay a little bit extra each and every month for a higher policy limit, ensuring you are fully covered in the event you are involved in a car accident.

Trying to determine how much auto insurance you need is a complicated algorithm. Let our professional insurance agents at Alliance Insurance Services, serving the greater Fort Collins, CO area, help you. Give us a call today, and one of our professionals will determine what coverage amount best fits your needs and then put together a policy tailored to your needs.