Monthly Archives: July 2025

What Parents Need to Know About Auto Insurance in Lakewood, CO

If you have a teen driver in the home in Lakewood, CO, understanding the minimum amount of coverage required for them while driving is vital. Knowing the auto insurance requirements for teenagers in Lakewood can prevent unnecessary financial stress and losses. At Colling Insurance Services Inc., we’re here to help you determine which policy solutions are right for you and your household.

Minimum Requirements

Anytime you have a teenage driver at your home in Colorado, you’ll need to meet the minimum insurance requirements, including:

  • Bodily Injury: Bodily injury coverage in Colorado includes $25,000 per person and $50,000 per accident.
  • Property Damage: The minimum property damage requirements in the state are $15,000 per accident.
  • Medical Coverage: Coverage for medical payments includes at least $5,000 in coverage.

Properly Insuring Your Teen Driver

Insuring your teen driver is best achieved by adding them to an existing family policy. This is the most cost-effective option and will lock in coverage. In most cases, this will also reduce the rates for teen drivers. Keep in mind that Colorado requires teens with driving permits to be added to a policy that already exists in the home.

Reducing potential rates is possible by encouraging good grades (which can result in student discounts) and enrolling your teen in a defensive driving course. Telematics apps can also reward safe driving habits.

If you’re ready to add your teen to an existing insurance policy or want to learn more about insurance options in Lakewood, Colorado, we’re here to help. At Colling Insurance Services Inc., we’re ready to help you protect the teen drivers in your home with a quality and affordable insurance policy. To learn more, don’t hesitate to get in touch with us directly to schedule your initial consultation and receive a quote today.

Home Insurance and Your Pets

Pets bring so much joy to a home. Still, many Colorado homeowners are surprised to learn how pets can factor into their home insurance through Colling Insurance Services, Inc., serving Lakewood, CO. Whether you have a playful puppy or a laid-back older cat, it’s worth understanding how your furry friends might impact your coverage.

Liability Protection for Pet Incidents

Most standard home insurance policies include liability coverage, which can help pay for injuries or property damage if your pet causes harm to someone else. This often arises in situations involving dog bites or when a pet knocks someone over. If a guest trips over your energetic dog and needs medical care, your liability insurance could help cover the bills and even legal fees if there’s a lawsuit.

Breed and Animal Restrictions

It’s essential to note that not all pets are treated equally by insurance companies. Some insurers place restrictions or higher premiums on certain dog breeds they consider higher risk. Exotic pets, such as large snakes or certain types of birds, may not be covered at all under typical pet insurance policies. If you have a pet that’s on a restricted list, your agent can help you explore options, such as specialty liability policies.

Damage to Your Own Property

Homeowners’ insurance generally won’t pay for damage your pet causes to your own belongings or house. For instance, if your dog scratches up the hardwood floors or your cat tears the curtains, that’s usually something you’ll have to handle out of pocket. Home insurance is mainly there to protect you if your pet damages someone else’s property or causes injury.

Having pets is one of life’s greatest joys, but it’s wise to understand where your home insurance stands. A quick conversation with your agent at Colling Insurance Services, Inc., serving Lakewood, CO, can clarify what’s covered, what exclusions might apply, and how to make sure your home and your pets are both properly protected. Contact us today to learn more.