Monthly Archives: February 2014

In Lakewood, CO How Much RV Insurance Coverage Should I Carry?

Finding the right RV insurance policy in Lakewood, Colorado can seem challenging if it is your first Rover if you are not sure about the options that are available. Depending on your situation and your concerns, the appropriate amount of coverage may vary.

Cost of Replacing the Vehicle

A good rule of thumb if you are worried about the loss of property, damage from a storm or any other situation that may result in damage to your RV is to insure it with enough protection to replace the vehicle. By using the cost of replacing the vehicle as a good rule of thumb, you can avoid complicated calculations and feel confident that damages to your vehicle are covered.

Protecting Personal Belongings

Another reason that it is a good idea to purchase enough insurance to replace the entire RV if an accident occurs is related to the personal belongings. Even if you do not need to replace the vehicle, you may need to purchase personal belongings that are damaged or stolen.

The coverage will help protect against theft, damages or the loss of personal belongings if you have an appropriate amount. Depending on the items in your RV, you may or may not need protection for your belongings. If you do not have expensive belongings, then you may not need as much coverage for your vehicle.

The details of any insurance policy will depend on your goals, how you plan to use the vehicle and your personal concerns. Depending on your concerns, you may need full coverage or you may only want basic liability and personal injury protection. Contact us to talk to an independent agent to learn more about your coverage options and to find an appropriate policy based on your goals.

What to Consider When Looking into Purchasing Business Insurance in Lakewood, CO?

Finding the right commercial insurance policy in Lakewood, Colorado is an important part of protecting your company. Before you purchase any policy, it is important to look for a few key items. Additional protection may also be necessary if you have other concerns related to the industry or company.


Always look at the liability options that are available before you make a purchase. Liability protection will address concerns associated with injuries to your clients, passersby or other individuals who may visit your office for any reason.

Liability will also protect your company if a customer purchases a defective product and is injured or if you are forced to recall products due to defects. It is a method of reducing your losses when your company is responsible for any injuries to the public or a specific individual.

Protection for Assets

If your company owns property, then you want an insurance policy that protects your assets from financial losses. The losses that may impact your company assets include theft, vandalism or property damage from storms, fires or other accidents.

A commercial policy can protect your business from financial losses associated with property damage or theft. It gives you the funds to repair or replace the property, depending on the situation and the amount of coverage that you purchase. In general, you will want enough protection for your property to replace the item or rebuild the entire property if it is severely damaged.

Every business owner needs to consider the possibility of losing property or facing a court case after an individual is injured on company property. Depending on the situation, the exact details of a policy may vary. Contact us to talk to an independent agent to determine the options that may be appropriate for your goals and needs.

Can a credit be obtained for GSM home Alarm System in my House in Lakewood, CO?

Your homeowners insurance on your home in Lakewood, Colorado, qualifies you for a credit and discount for installing a GSM alarm system. GSM (Global System for Mobile Communications) systems are becoming ever more popular for multiple reasons.

· Ease of installation. Since they use the same technology as your cell phone, these systems are wireless. This saves you considerable installation expense, since your home does not need to be wired for your alarm system.

· Insurance companies reward homeowners making efforts to reduce risk of loss. Offering credits and discounts are common for most insurance carriers for all risk-lowering devices and actions you take to protect your home.

· A GSM alarm system is cost-effective to use. Most cell phone network providers offer reasonably-priced monthly fees for remotely activating your protection features.

· Remote 24/7 monitoring is also affordable. Having your GSM alarm system monitored by a security center round-the-clock reduces the extent of most losses, even when they cannot prevent damage, as with fire or windstorm.

When thinking about installing a GSM alarm system, contact us, your Lakewood, Colorado independent agent. Our experience and ability to give you multiple homeowner’s insurance quotes help you maximize your credit level, while keeping your home well-protected.

Since we work for you, not a single insurance company, we will answer all of your questions and concerns with you in mind. Looking out for your best interests means we’ll give you the best advice for your situation. Insurance carriers may offer different amounts of credits for your alarm system. We’ll give you the right advice for the coverage you need at affordable costs.

You will enjoy greater piece of mind knowing your GSM alarm system will reduce your risk of major losses. The credit or discount you receive also reduces the budgetary impact of adding this protection to your property.

Will I be Reimbursed for Additional Living Expenses in Lakewood, Colorado, if I Cannot Live in my Home Due to a Covered Loss?

Nothing is more worrisome than finding out that you cannot live in your home and that you will need to pay additional expenses until appropriate repairs are made. When the cause of your displacement is a covered loss in Lakewood, Colorado, it is possible that you may be reimbursed by your homeowners insurance for the unexpected costs.

Review Your Coverage

Although some insurers may pay for the additional expenses associated with a covered loss until your home is repaired, every policy is different. You may or may not be covered based on the details of your policy and the specific type of coverage that you purchased. Review your policy and read through the details of your coverage before making any decisions. In some cases, a clause or exception may also prevent a reimbursement.

Make a Claim

If you discover that you are covered for those unexpected costs, then make a claim after you have moved back into your home. After the repairs are made and you can move back into your house, the total cost of additional expenses will be available.

Make a claim for the amount that you spent or to the limit, depending on how your policy is designed. Your insurer will want proof of the expense, so keep your receipts and any documents that prove that you paid those additional costs.

Damages to your home may or may not be covered under your insurance policy. When you are not able to live in your house due to damages that are covered, you may be able to make a claim for reimbursement to reduce the financial burden. Contact us to talk to an independent agent to learn more about your coverage.