Monthly Archives: June 2023

The Ultimate Guide to Understanding Auto Insurance Coverage

Understanding auto insurance coverage isn’t always easy. But if you’re in the Lakewood, CO area and looking at updating your policy or getting a new one, Colling Insurance Services, Inc. can help you find the proper protection for your vehicle. You want to make an informed decision about protecting your car, truck, or SUV, and that’s much easier to do when you have an agent to answer your questions.

Liability insurance is a requirement, so that’s the first coverage you want to look at. There are minimum amounts you’ll need to have, and many people choose to get coverage amounts that are higher than the minimums required. While you don’t have to do that, you may feel more secure and have additional peace of mind if you do.

Another type of coverage is comprehensive, which covers things like fire and theft. If your vehicle is financed, your lienholder will probably require that you have this. If you own your vehicle, you aren’t legally required to have comprehensive insurance coverage. Many people choose to include it because it adds valuable protection to their vehicle.

Additionally, you may want to consider collision insurance. Financed vehicles generally require it, but it’s also an excellent way to protect other vehicles. If you’re involved in a single-car accident or one where the other driver doesn’t have adequate insurance coverage, having a collision policy as part of your policy can help you get your vehicle repaired or replaced.

If you’re in the Lakewood, CO area, Colling Insurance Services, Inc. can answer your questions about the different kinds of auto insurance coverage, so you can find the right policy that meets your needs and protects your vehicle. Contact us today, and let our trusted agents help you with your insurance questions.

What Does Homeowners Insurance Not Cover?

A homeowner’s insurance policy provides coverage for a broad range of risks or perils that can potentially impact your home and its occupants. If you live in the greater Lakewood, CO, the insurance professionals at Colling Insurance Services Inc. are available to help you understand what a homeowner’s policy may cover and what it excludes.

Common Scenarios Typically Not Covered By Standard Homeowners Insurance

These events are typically excluded from a standard homeowners policy:

Flood damage

Most home policies exclude flooding – defined as excess water on land that is typically dry. According to the insurance industry, flooding is not the same as water-related damage (i.e., damage from a leaky roof). To protect against flood damage, homeowners can buy a separate flood insurance policy.

Maintenance-Related Issues

Homeowners insurance is not designed to provide coverage for your home’s routine maintenance or normal wear and tear. Damage from a lack of maintenance/pre-existing conditions will typically be excluded.

Sewer Backups

Damage caused by a sump pump failure/sewer backup may not be covered; however, a rider or endorsement is typically available. 

Intentional Acts

An intentional or illegal act that causes damage is typically not covered.


A standard policy for homeowners doesn’t typically cover earthquake damage. A separate policy or endorsement may be available for those in an area prone to earthquakes.

Home-Based Business Liability

A home business may need an additional policy (a Business Owners Policy) to protect business-related liabilities.

Acts of War/Nuclear Hazards

Damage resulting from nuclear hazards, acts of war, or will typically be excluded.

Contact a Leading Insurance Company Today

To speak with an insurance professional at Colling Insurance Services Inc. in Lakewood, CO about available homeowners insurance coverage options, contact a staff member at 303-987-3331 or reach out online.