Month: August 2014

Whether your RV is your once-a-year vacation getaway or more like a second home that you travel with at every opportunity, protecting it with RV insurance is a worthwhile investment.

But finding the right insurance policy in Lafayette, CO can be complicated–and RV insurance policies have quite a few ins and outs, blending the features of both home and auto insurance policies to keep your investment covered. Here’s what you need to know to choose the right coverage.

You could cover your motor home or trailer with a standard auto insurance policy, but it would leave big gaps in coverage that could cost you hundreds. A standard RV policy blends features of both auto and home insurance coverages. Some unique options include the following:

• Total loss replacement: pays for a replacement RV in case yours is totaled
• Full-timer’s coverage: provides extra liability coverage for those who live in their RV year-round
• Personal contents coverage: much like a homeowner’s policy, this protects your property in case of theft, vandalism, or other damage
• Vacation liability: covers accidents that occur to others when your vehicle is parked at a campsite or other location

Finding the best deal

By comparing quotes (and reading the fine print of each policy), it won’t take long to narrow down your best options. Many agencies offer seasonal coverage, so if you know you’ll only be RV’ing in the spring or summer months, ask about purchasing coverage for just the time you’ll need it.

If you have auto insurance through an independent agent, your best bet is to talk to one of the insurance professionals at that agency about RV insurance options; they’ll be able to get you quotes from several different insurance companies and answer any questions you have about insurance coverage.

There are a variety of ways to keep your assets safe and avoid problems when you are renting an apartment, condo or house. Renters insurance in Cheyenne, WY can be a smart way to avoid high-cost bills and expenses after an accident or disaster; however, that does not mean you must over-spend on the plan.

Carefully Select the Coverage

The coverage that you are offered can vary, so you should always compare your options before assuming that the concerns you want to address are covered in the plan. Look at the coverage and evaluate it for the type of plan.

When you read the policy, determine if it offers the actual cash value of your personal belongings or the replacement cost. Some policies will only pay for the cost of the item after calculating depreciation rates. Plans that provide the replacement cost will pay for the full cost of replacing the item with the same item or a similar item if the previous item was discontinued.

Compare Prices

After you have established the coverage that is important for your needs, compare the cost of the plans. Look at several policies and compare different companies. You may discover some unexpected savings by comparing quotes.

Along with comparing prices, ask about discounts that may be available. Some companies may offer special rates for safety features or specific items that you put into the property to limit the risks.

Buying a policy for your rented space does not mean that you must spend more than your budget will allow. Affordable options are available if you take the time to compare your options and ensure that you are only buying the coverage that you need. To learn more about protecting your assets in a rental property, contact us today.

Changing your insurance provider, whether it is for all of your coverage or a specific type of policy, can be a confusing situation. You may be concerned about how changing insurance provider will impact your coverage; however, there are ways to ensure that your coverage remains similar.

Compare New Policies and Rates

Before you make any changes, compare the options that are available for your assets. Look at several options and evaluate the coverage that is available with the policy.

You may need more than the minimum protection that is offered, so make sure that you are fully aware of the coverage that you are purchasing. If you are not sure about the plan, then you can talk to an agent to determine if it is appropriate for your goals and concerns.

Along with the details of the policy, you should also learn about the insurance provider. Each company is different and you may not feel comfortable with the policies or methods of some insurance companies.

Buy a Plan

Do not cancel your previous policy until after you have purchased the new plan and have the date that it will start. Generally, coverage can start as soon as you purchase the policy. You should cancel after the new plan starts to avoid having a period where you are not insured.

After the purchase, the changes to the plan may have an impact on your finances. It may decrease or increase your rates, depending on the changes that you make, so you should expect some variation in the price.

There are ways that changes will impact your policy and your personal life, but generally the changes are positive. To learn more about changing to a new insurance provider, contact us to talk to an agent.

A life insurance policy can be an important part of maintaining peace of mind and ensuring that your loved ones are safe when you pass away. Even if you are expecting to live for several years, preparing for the worst case scenario ensures that you will not face unexpected or unnecessary challenges in the future. The insurance in Boulder, CO that you need can depend on your budget and goals, but there are several options to help you protect your loved ones.

Types of Policies

Before you can select a company, you should clarify the type of policy that you want to purchase. Life insurance is available as a whole life, guaranteed life, universal life or term life policy. If you want to purchase a plan that will carry forward for a set number of years and will be budget friendly, then a term life plan may be appropriate.

For flexibility, a universal life policy is a good choice. Whole life plans carry forward for life and may offer solutions while you are alive to invest and save up, but they are more expensive. Guaranteed policies can be a good choice if you are worried about your health, but they are also expensive and may have limited coverage.

Selecting a Company

The life insurance company that is best for your needs can depend on several factors. Start with your budget and compare a variety of companies for the type of policy that you want. An agent can help with the process of comparing options so that you do not waste time.

Finding a policy that will protect your family can depend on your goals and the budget that you set for your plan. To learn more about protecting your loved ones, contact us to talk to an agent today.