Monthly Archives: October 2026

Has Your Home Changed Since You Bought It?

Most homes don’t stay exactly the same for long, and with good reason. As the years pass, a homeowner might remodel their kitchen, replace their roof, build a shed, invest in new appliances, or make any number of other improvements. But it’s essential to understand that upgrades like these don’t just make day-to-day life more enjoyable.

They can also change the overall value of your home in Lakewood, CO, which means it’s a good idea to take a fresh look at your current home insurance policy. Colling Insurance Services Inc. is here to help with expert guidance you can trust.

Renovations Aren’t All That Count, Either

While major remodeling projects clearly call for revisiting your insurance coverage, don’t overlook the impact of smaller changes, too. Things like installing a backyard workshop, replacing your fencing, or purchasing expensive new electronics all count.

These kinds of updates can affect your property’s overall value, especially when they add up. Even if these projects were spread out over several years, their combined impact can still represent a significant investment worth accounting for.

Coverage Reviews Help Prevent Unfortunate Surprises

Ideally, your home insurance grows and changes alongside your home. Periodic reviews give you a chance to make sure that actually happens. Guidance from an expert can be especially helpful here, giving you the opportunity to ask coverage questions, thoroughly discuss any recent home improvements in Lakewood, CO, and determine whether your current policy limits still make sense.

At Colling Insurance Services Inc., we can also help identify any potential coverage gaps before you ever need to file a claim, which can make a real difference if the unexpected happens. Call us today for customized guidance, quotes, and answers to all of your insurance-related questions.

Will Auto Insurance Lapse If Auto Pay Doesn’t Go Through?

Using autopay for your auto insurance in Lakewood, CO, is a great way to save on your policy while ensuring your payments stay on time. Sometimes, though, autopay doesn’t go through. Maybe you had an unexpected bill, or your card expired, and you forgot to update it. Either way, it’s worth making sure you still have coverage in case something happens.

Autopay Date vs. Due Date

Typically, your autopay date comes before your actual due date. So if your autopay is set for the 27th each month, you likely still have time to make a payment before the due date. Your policy usually won’t lapse unless payment is missed by the due date. Speak with an agent at Colling Insurance Services Inc. to confirm whether you’re still covered.

Cancellation Notice

Keep an eye on the email associated with your auto insurance account for a cancellation notice. Most companies will email you to let you know that a payment is due by a specific date, along with how much time you have before your policy is officially canceled.

Premium Changes

Missing an autopay payment can sometimes lead to changes in your monthly premium. Some companies will turn off autopay altogether, which means losing any associated discount. Take a moment to double-check your policy or update your payment method to help keep your rate as low as possible.

In most cases, your policy won’t be canceled simply because an autopay payment didn’t go through on the scheduled date. That said, it’s always a good idea to confirm with a representative at Colling Insurance Services Inc. Contact us today. We’re currently serving the Lakewood, CO, area.