Has Your Home Changed Since You Bought It?

Most homes don’t stay exactly the same for long, and with good reason. As the years pass, a homeowner might remodel their kitchen, replace their roof, build a shed, invest in new appliances, or make any number of other improvements. But it’s essential to understand that upgrades like these don’t just make day-to-day life more enjoyable.

They can also change the overall value of your home in Lakewood, CO, which means it’s a good idea to take a fresh look at your current home insurance policy. Colling Insurance Services Inc. is here to help with expert guidance you can trust.

Renovations Aren’t All That Count, Either

While major remodeling projects clearly call for revisiting your insurance coverage, don’t overlook the impact of smaller changes, too. Things like installing a backyard workshop, replacing your fencing, or purchasing expensive new electronics all count.

These kinds of updates can affect your property’s overall value, especially when they add up. Even if these projects were spread out over several years, their combined impact can still represent a significant investment worth accounting for.

Coverage Reviews Help Prevent Unfortunate Surprises

Ideally, your home insurance grows and changes alongside your home. Periodic reviews give you a chance to make sure that actually happens. Guidance from an expert can be especially helpful here, giving you the opportunity to ask coverage questions, thoroughly discuss any recent home improvements in Lakewood, CO, and determine whether your current policy limits still make sense.

At Colling Insurance Services Inc., we can also help identify any potential coverage gaps before you ever need to file a claim, which can make a real difference if the unexpected happens. Call us today for customized guidance, quotes, and answers to all of your insurance-related questions.

Will Auto Insurance Lapse If Auto Pay Doesn’t Go Through?

Using autopay for your auto insurance in Lakewood, CO, is a great way to save on your policy while ensuring your payments stay on time. Sometimes, though, autopay doesn’t go through. Maybe you had an unexpected bill, or your card expired, and you forgot to update it. Either way, it’s worth making sure you still have coverage in case something happens.

Autopay Date vs. Due Date

Typically, your autopay date comes before your actual due date. So if your autopay is set for the 27th each month, you likely still have time to make a payment before the due date. Your policy usually won’t lapse unless payment is missed by the due date. Speak with an agent at Colling Insurance Services Inc. to confirm whether you’re still covered.

Cancellation Notice

Keep an eye on the email associated with your auto insurance account for a cancellation notice. Most companies will email you to let you know that a payment is due by a specific date, along with how much time you have before your policy is officially canceled.

Premium Changes

Missing an autopay payment can sometimes lead to changes in your monthly premium. Some companies will turn off autopay altogether, which means losing any associated discount. Take a moment to double-check your policy or update your payment method to help keep your rate as low as possible.

In most cases, your policy won’t be canceled simply because an autopay payment didn’t go through on the scheduled date. That said, it’s always a good idea to confirm with a representative at Colling Insurance Services Inc. Contact us today. We’re currently serving the Lakewood, CO, area.

How Umbrella Insurance Covers Settlements Against You

Umbrella insurance is a form of liability protection designed to provide financial support if another person or business files a claim against you. These policies typically apply when a claim exceeds the value of your existing general liability insurance, helping cover the additional cost of a settlement.

At Colling Insurance Services, Inc., we help our clients secure proper coverage for all of their risks. If you’re unsure whether you need umbrella insurance in Lakewood, CO, give us a call for a quote now.

How Settlements Happen

Umbrella insurance provides protection from various types of claims made against you, such as involvement in a car accident. If your general liability insurance isn’t enough to cover all the losses suffered by the other party, this policy provides an additional layer of protection.

The insurance company typically manages the entire process on your behalf. They handle the claim brought by the injured party, gather evidence, and negotiate a settlement. Once an agreement is reached, the insurance company generally pays the negotiated settlement to the other party. If a settlement can’t be reached, your insurer will provide legal representation on your behalf in court, and any compensation ultimately owed to the injured party is paid from there.

These policies do come with limits, meaning there’s an upper amount beyond which the policy won’t pay. That said, umbrella policies are typically written with very high limits, offering substantial protection for these kinds of difficult situations.

At Colling Insurance Services, Inc., we can help you choose coverage that gives you peace of mind in cases like these. If you need umbrella insurance in Lakewood, CO, reach out to us now for a consultation and a review of your policy.

Inland Marine Insurance Coverage for Tools and Equipment

Inland marine insurance is an important investment for protecting your assets. It covers many of your key tools and materials against a variety of losses, and it can apply to personal property under standard coverage or to commercial policies for businesses that rely on that equipment.

At Colling Insurance Services, Inc., we can help you choose the right type of coverage and the appropriate value for your assets. If you need boat insurance in Lakewood, CO, contact us for a consultation.

How Boat Insurance Applies in These Cases

Your inland marine coverage may extend to a variety of assets. Examples of what it can include are:

  • Your mobile gear: This may include tools you take with you to different locations, as well as small tools and machinery kept on your watercraft.
  • Transit and storage protection: Your policy can also help when tools and equipment are stored and suffer damage or are stolen, whether that’s in an off-site warehouse or on board your vessel.

Your policy outlines exactly what’s covered and how much protection you have, along with the specific perils it covers, such as vandalism, theft, and damage from certain weather events.

Choosing the right policy matters. You’ll want to make sure your coverage aligns with how you use your equipment and what type of equipment you have. Working closely with your insurance team makes a real difference in the outcome if you ever need to file a claim.

At Colling Insurance Services, Inc., we can help you choose boat insurance that fits your specific needs and goals. Turn to our team for boat insurance in Lakewood, CO, that matches the way you use your watercraft and the risks it faces.

Is it Time to Make Changes to Your Policy?

Decisions about financial planning can be challenging for everyone. One important decision is whether to purchase life insurance. If you live near Lakewood, CO, our team at Colling Insurance Services Inc. invites you to visit our office to review your life insurance options. We’ve been helping clients like you since 1957.

Is It Time to Make Changes to Your Policy?

When you buy a life insurance policy, its coverage reflects the present status of your life. But life changes in many ways over the years, and those changes can affect how your policy’s payout should be distributed. It’s generally a good idea to review your life insurance policy at least once a year.

Marriage and divorce are two life events likely to prompt policy changes. The birth or adoption of a child is another common reason to adjust your coverage amount or structure. Personal financial decisions, such as taking out a mortgage or a business loan, may also require a shift in how your policy payout is directed. Always keep your beneficiaries’ contact information current, and keep an up-to-date copy of your policy with at least one trusted friend or legal advisor.

Call Us for Your Appointment Today

It can feel overwhelming to think about the end of life, but having life insurance in place can provide for your family when that time comes. Our team at Colling Insurance Services Inc. has the experience to help you understand all your life insurance options. Clients in the Lakewood, CO, area have been placing their trust in our team’s expertise for nearly 70 years. Give our office a call today to get the life insurance coverage you need.

What Does Long-Term Care Insurance Typically Cover?

At Colling Insurance Services Inc. Agency in Lakewood, CO, we talk with people every day who want to plan ahead but aren’t sure where to begin. Long-term care insurance is one of the most important tools available for protecting your financial future. Understanding what it covers can help you decide whether it’s the right fit for your situation.

Help With Daily Living Activities

Long-term care insurance is designed to help cover costs when you can no longer handle certain daily tasks on your own. Things like bathing, dressing, eating, and getting around safely are all considered activities of daily living. Most policies begin paying benefits once you need assistance with at least two of these activities. That support can come from a paid caregiver, a nursing facility, or a home health aide.

Care Settings That Are Typically Covered

One of the biggest advantages of long-term care coverage is the flexibility in where you can receive care. Many policies cover in-home care, assisted living facilities, adult day care centers, and nursing homes. Some plans also include memory care for those living with Alzheimer’s or other forms of dementia. Having these options means you can make choices that truly fit your lifestyle and needs.

Other Benefits Worth Knowing

Some long-term care policies also cover care coordination services, where a professional helps manage your care plan and connects you with the right resources. Certain plans even cover home modifications, like grab bars or ramps, that make daily life safer and more manageable.

Real Options When It Matters Most

Long-term care insurance gives you real options when life takes an unexpected turn. At Colling Insurance Services Inc. Agency in Lakewood, CO, we’re here to help you find the right coverage for your needs. Reach out to us today.

Starting Self Employment? Get Health Insurance With an Insurance Agent You Trust

Being self-employed offers freedom and flexibility, but it also means taking full responsibility for your health insurance coverage. While working for yourself allows you to control your schedule and business decisions, it also requires careful planning to ensure you and your family are protected. Finding the right health insurance plan is an essential part of maintaining your well-being and financial stability.

Many self-employed individuals turn to the professionals at Colling Insurance Services Inc., servicing Lakewood, CO, for guidance. Their experienced team can answer your questions and help you compare options to find a policy that aligns with your needs and budget.

What to Look for in a Health Insurance Agent

Choosing the right insurance agent is an important first step. A knowledgeable and reliable agent can simplify the process and help you make informed decisions. Look for an agent who demonstrates:

  • Industry expertise: A strong understanding of health insurance policies and coverage options.
  • Clear communication: The ability to explain details in a way that is easy to understand.
  • Responsiveness: Prompt replies to your questions and consistent follow-through.
  • Customer-focused service: A commitment to helping you find the best coverage for your situation.

How an Independent Insurance Agent Can Help

Independent insurance agents work with multiple insurance carriers, which allows them to compare a variety of plans on your behalf. Instead of researching policies on your own, your agent can gather quotes, evaluate coverage options, and recommend plans that fit your specific needs.

This approach saves you time and effort while ensuring you have access to competitive pricing and comprehensive coverage. Independent agents take the stress out of shopping for health insurance so you can focus on growing your business.

Getting Started with Health Insurance as a Self-Employed Professional

If you are newly self-employed or reassessing your current coverage, now is the time to explore your options. Consider your healthcare needs, budget, and any dependents who may also require coverage. Reviewing these factors will help you identify the most suitable plan.

The professionals at Colling Insurance Services Inc., servicing Lakewood, CO, are ready to guide you through the process. Contact their team today to learn more about available health insurance options and find coverage that supports your lifestyle and financial goals.

What to Consider When Choosing Dental Insurance

Dental insurance is an affordable way to protect your oral health and maintain a healthy smile. However, many people feel overwhelmed when choosing a plan due to the variety of coverage options available. Understanding the basics can help you select a policy that best fits your needs.

At Colling Insurance Services, Inc., we work with you to better understand your unique situation. If you are considering dental insurance in Lakewood, CO, our team can help you customize a policy that aligns with your budget and long-term oral health goals.

Key Factors to Consider Before Purchasing Dental Insurance

Before you purchase a dental insurance policy, it is important to evaluate several key factors to ensure you are choosing the right coverage.

  • Plan Type and Network: Dental insurance plans typically include options such as Preferred Provider Organizations (PPOs), Dental Health Maintenance Organizations (DHMOs), and indemnity plans. Each offers different levels of flexibility, provider choice, and cost.
  • Coverage Needs: Most plans cover preventive services such as cleanings, exams, and X-rays. However, you should also consider whether you may need more advanced procedures, such as fillings, crowns, or orthodontic care, either now or in the future.
  • Out-of-Pocket Costs: Review the deductible, copayments, coinsurance, and annual maximums associated with each plan. Choosing the right balance between monthly premiums and out-of-pocket expenses is key to finding a plan that fits your budget.

In addition to these factors, be sure to compare waiting periods for certain services before coverage begins and confirm whether your preferred dentist is included in the plan network. If you anticipate needing specialized or major dental work, verify that the policy provides adequate coverage for those services.

Choose Dental Coverage with Confidence

You do not have to navigate your options alone. The professionals at Colling Insurance Services, Inc. are here to guide you through your choices and help you select a plan that meets your needs. We offer competitive dental insurance options in Lakewood, CO, designed to provide both value and peace of mind.

Contact our team today to explore your options and take the next step toward protecting your smile.

 

Worker’s Comp Insurance: What If Someone’s Drunk On The Job?

Workers’ compensation insurance helps employees cover medical expenses if they are injured on the job. In many cases, it can also replace a portion of lost income, helping employees and their families manage financial obligations while the injured worker recovers. Most employers are required to carry workers’ compensation insurance, but there are important exclusions business owners should understand.

When Workers’ Compensation Coverage May Be Denied

Workers’ compensation insurance generally covers injuries that occur in the course of employment, regardless of fault. However, most policies exclude coverage if an employee is injured while under the influence of drugs or alcohol. If intoxication is determined to be the direct cause of the injury, the claim may be denied.

Why Reporting Suspected Intoxication Matters

If an employer believes an employee may have been impaired at the time of an injury, it is important to notify the insurance carrier promptly. Employers are still required to file the claim and provide necessary paperwork, but honesty during the reporting process is critical. Insurance providers, including Colling Insurance Services Inc., regularly assist employers in Lakewood, CO with navigating these situations properly.

The Role of Drug and Alcohol Testing

In workers’ compensation cases involving suspected intoxication, proof is required. Employers and insurance carriers typically rely on mandated drug and alcohol testing to establish impairment. Observations alone, such as the smell of alcohol or unusual behavior, are usually not sufficient. Many workers’ compensation policies include guidelines for post-accident testing to help determine eligibility for coverage.

In most cases, the employee submits a claim, and the insurance provider determines whether coverage applies. If a claim is denied due to intoxication, understanding the process is essential. The agents at Colling Insurance Services Inc. can explain how workers’ compensation claims are handled and what steps employers should take. We proudly serve the Lakewood, CO area and are available to help you better understand your responsibilities and coverage options.

How to Choose Your Employee Health Insurance Carrier

If you are a business owner in Colorado, having the right commercial insurance is essential to protecting your company, employees, and financial future. While not every type of commercial insurance is legally required, many coverages may be mandatory depending on your business structure, industry, and number of employees. Our team at Colling Insurance Services, Inc. helps business owners understand their obligations and choose coverage that fits their needs. Companies near Lakewood, CO, are invited to meet with one of our experienced agents to discuss their commercial insurance options. We have proudly served businesses like yours since 1985.

How to Choose an Employee Health Insurance Carrier

One important type of commercial insurance to consider is employee health insurance. For many businesses, offering health benefits is a key way to attract and retain quality employees. Choosing the right health insurance carrier is an important decision that can affect both employee satisfaction and your company’s budget.

A helpful first step is conducting an employee health insurance needs survey. This allows you to better understand the types of coverage your employees value most, such as prescription coverage, preventive care, or access to specific provider networks. A survey can also reveal gaps in coverage that should be addressed when selecting a plan.

Once you understand your employees’ needs and preferences, you can review available health insurance options. Compare premium costs, plan structures (e.g., PPOs or HMOs), and additional features (e.g., wellness programs or health management tools). If premium costs are a concern, many employers choose to share or prorate the cost of coverage with employees.

Call Us Today for Your Appointment

Every business is unique, and your commercial insurance portfolio should reflect that. Our experienced team at Colling Insurance Services, Inc. works closely with you to design insurance solutions that align with your company’s size, goals, and risk exposure. Businesses throughout the Lakewood, CO area have relied on us for their insurance needs for over 40 years. Contact us today to schedule an appointment and gain confidence knowing your business is properly protected.