What kind of insurance coverage would you like? All insurance covers some type of risk. In Denver, CO, or in any other part of the country, you can buy insurance that protects you against practically anything that could go wrong. You can buy auto insurance that covers property damage to your car and liability for property damage to another person’s car. You can buy insurance in case you get sick and have to go to the hospital. You can buy insurance in case you get run over by a bus and your wife suddenly becomes a widow.
Insurance coverage is available for business owners, home owners and pet owners. If you are an accountant, doctor, or lawyer, you can buy a special kind of insurance that specifically covers those professions against liability claims.
During your lifetime you will probably have more insurance policies than you can count on one hand. Most people drive a car and need auto insurance. It is quite probable that over your lifetime you will own a number of different cars and have auto insurance through a number of different auto insurance companies.
If you buy a home and have a mortgage, you will need to buy a home insurance policy. If you decide to rent instead of own, you might be wise to buy an affordable renters insurance policy.
You might decide to buy a term life insurance policy to protect your spouse and young children against financial difficulties in case you meet with a premature death. You might buy a whole life policy if you want life insurance and also want to build up cash value for your retirement,
No matter what stage of life you may be in, you probably need some form of insurance. It makes sense to schedule an annual check-up with an independent agent to evaluate your current insurance coverage and see if you are properly insured for all of life’s risks.
Your home insurance in Colorado is designed to protect your structure and personal property in the event of a covered disaster. A standard policy protects against loss from fire, storms, theft and vandalism. However, homeowner’s insurance is not meant to cover repairs for appliance or system failures. These examples should help you understand your insurance policy.
Fire and storms
If your AC system was damaged due to a home fire, the repairs would likely be covered, subject to your deductible. If a storm damaged the outside portion of your AC unit, you would probably be covered. If storm damage to your roof creates a leak that damages your AC, this would also normally be covered.
You must remember that if damage is caused by flood waters, you need a separate flood insurance policy. If you live in a flood prone area, you should consider adding this protection.
Theft or vandalism
Your home insurance policy should also cover your HVAC system if it is damaged because of theft or vandalism. Copper theft and outside unit theft can be a concern in some areas. However, if your air conditioning simply fails, the repairs are not included in your homeowner’s insurance.
If you purchase a home and buy a home warranty policy, your AC system may be covered under that insurance. Home warranty policies cover different systems and appliances in your home. This coverage is designed to protect you from expensive failures during the warranty period. Policies normally require you to pay a set fee for repair or replacement of covered systems.
Colling Insurance Services is your independent insurance agency, we will be happy to answer any questions you have regarding what your insurance policies cover. Let us help you get the right home insurance to meet your needs. Call us to talk with an independent agent today.
Obtaining car insurance in Wheat Ridge, CO can seem complicated because there are a variety of options available. The coverage that you need may vary based on several factors, but there are some basic plans that can help you identify the plan that is best for your goals.
A basic policy provides the minimum state standards so that you can drive without facing legal consequences. The minimum standards protect against liability for property damage if you cause an accident and it pays for bodily injuries that you cause in an accident.
Generally, the minimum coverage will not offer protection for your personal vehicle. If you worry that another driver will not have the coverage to pay for damages to your vehicle in an accident, then you may want to purchase additional protection for under-insured drivers.
A comprehensive policy will pay for damages to your personal vehicle if something beyond your control occurs. For example, the plan may pay for damages to your vehicle after a hail storm or when a tree branch falls on the vehicle.
The plan does not usually provide protection against collisions, but you can add the coverage to your policy if you feel that it is required.
Additional coverage can take many forms, such as collision protection or protection against theft. It is the protection that you add to a basic or comprehensive plan to address specific concerns or to protect your vehicle from further damages.
There are several plans available to address your goals and concerns. Depending on the vehicle and your preferences, you can add or remove coverage from a policy so that it addresses your personal goals. Contact us to talk to an agent to learn more about policy options.
Perhaps one of the hardest things to motivate yourself to do is to get insurance. We all know we need it, but there’s just something about the idea of talking to an agent, crunching numbers, choosing a policy and signing on the dotted line that makes us all think that this is something that can wait until tomorrow. Perhaps that’s why insurance companies try so hard to make it easy for you to get a quote. Ours is one such company that offers easy insurance quotes, Colling Insurance Services of Lakewood, CO.
In the past, getting a quote form an insurance company usually involved going into an insurance office and listening to a lengthy sales pitch from an agent. These days, you can get quotes by phone or online, and the process is less about high-pressure sales and more about letting you find the coverage you want and need. Some companies even pride themselves on how fast they can get you a quote and get your policy set up, claiming to be able to do it in 15 minutes, or even half of that time.
In Lakewood, the absolute easiest place to get insurance quotes is from Colling Insurance Services. Our website, not only gives you an easy way to get a quote on many different types of personal and commercial insurance, you can actually compare quotes on auto and home insurance. If you like to be more "old school", you can always call for a quote at 303-987-3331. Even if you’re not necessarily looking for a quote, you can feel free to call or visit our website if you have any questions about insurance.