Monthly Archives: February 2017

Looking Under the Hood: Maintenance Tips for Your Truck

When it comes to keeping your truck on the road for as long as possible, it is paramount that you perform regular maintenance on it. The better you take care of your truck, the longer it will last, meaning the less money and stress you will have to invest toward buying a new truck. Fortunately, there are three simple tips you can follow to help make sure your truck lasts for as long as possible. 

Tip #1: Get the oil changed on schedule

The owner’s manual in the glove box of your truck will have a recommended oil change schedule in it. You need to follow this schedule to the best of your ability. If you can’t find your owner’s manual, you can always call the dealership where you bought the truck and ask for one. Or if you prefer, you can go online and order one and have it sent straight to your home. 

Tip #2: Check the coolant levels

If your truck gets too hot, it can cause the engine to blow up. This is not something you want to happen because it can cost thousands of dollars to replace the engine. Fortunately, you can avoid this by making sure the oil is changed according to schedule and by checking your coolant levels on a regular basis. If the coolant levels are low, make sure you fill them back to their recommended amounts. 

Tip #3: Check the spark plugs

If your truck feels like it is losing power, it could be that the spark plugs need to be changed. If you change the spark plugs and it doesn’t help, the plugs may have coils on them that need to be replaced. 

To learn about properly insuring your truck, call Colling Insurance Services Inc. serving the Lakewood, CO area. 

What is the USA Federal Requirement for Home Insurance?

Home insurance is something that every homeowner needs to have, even if they have paid off their home entirely. For those in the Lakewood, CO area, the agents with Colling Insurance Services can help you find out just what coverage you need.

There is no real federal agency that monitors insurance on homes, but there is a requirement that if you owe money on your home, regarding a loan or a mortgage, you are required to hold home insurance to help protect the interest of the lender. In most cases, this requirement is not regulated by any laws but rather by the individual lender and their stipulations.

It is important that with any home insurance policy it is tailored to your home and the specific value of your home. The biggest issue is making sure that your policy covers your home adequately and that it covers your home fully as well. The main issue when it comes to your home is making sure that you have enough coverage for both your actual home and for the contents of your home as well. Having home insurance is wonderful but if you do not have the right amount it can become virtually useless.

Your agents can help you decide what coverage, what policy and what type of insurance you need to be fully covered and to be sure that your home meets the requirement s of your lender. Since homes are so different, there is no way to make a regulated amount that should be paid, or that should be covered. Rather, lenders simply require that you have the appropriate coverage before they allow you to take out a loan on your home. The agents with Colling Insurance Services Inc. can help those in the Lakewood, CO area find the right policy for you.