Category Archives: Home Insurance

Fall Home Checklist, Getting Ready for Winter

As winter approaches it becomes necessary to get figure out just what your home needs to be prepared. There are tons of different things you can do to protect your home and get it ready for winter. For those in the Lakewood, CO area, Colling Insurance Services Inc. can help you answer all your insurance questions when getting ready for winter.

The first thing that any homeowner should do is to winterize their home. This means sealing off rarely used doors and windows to help reduce energy bills and to keep out the cold. You can also cover plants, garden areas, and even seal driveways and sidewalks to help prevent cracking and breakage due to the expansion of water. 

Though physical preparation of your home is necessary, you may also need to look at your insurance policies and update, change, or entirely replace them. Winter is one of the busiest times when it comes to homeowner’s policy claims because of wintery weather and having the right policy in place can make a huge difference.

If you are unsure about what coverage you already have or what coverage you need, talking with an insurance agent can really help to dispel any fears and answer your questions. A skilled agent can help you determine what amount of coverage you need, what types of policies you may need, and can help you change or get new policies entirely so that you are covered when winter arrives.

Fall is a wonderful time to take a look at your policies and reevaluate the coverage that you have to make sure you are fully covered in the event of winter weather.

For all your insurance needs in the Lakewood, CO area, contact Colling Insurance Services Inc. today.  

3 Reasons You Should Never Be Without Home Insurance

For homeowners from all walks of life, acquiring home insurance should be of the utmost importance. Nevertheless, given the propensity to receive misinformation it is quite possible to be living under the assumption that this type of insurance is unimportant. With that said, the following is an overview of 3 reasons you should never, ever be without home insurance. 

Protect Your Belongings

Given the unpredictability of accidents, you should have a policy in place to protect your belongings at all times. Mother Nature, careless children, and other potentially damaging factors typically do not give advanced notice. Be mindful. 

It Might be required

Depending on how you acquired your home, it may be mandatory to always maintain home insurance. For instance, your bank may have mentioned the necessity of maintaining home insurance within the terms of your agreements. 

Robberies and More 

Lastly, although many never want to think about the possibility of being robbed or burglarized, this is the risk that every homeowner needs to be prepared for. Given that burglars are typically not the tidiest people, many of your belongings will likely be ruined in addition to the ones they may have gotten already with. By purchasing a home insurance policy, you are helping to ensure that your home and belongings are protected from all of these associated damages. 

Overall, if you are a homeowner without home insurance, you might want to reconsider. Moreover, if you reside in Lakewood, CO and are seeking a high-quality home insurance policy, Colling Insurance is the way to go. Simply call, stop by, or email us today and to speak to one of our independent representative to find out how you can start your home insurance policy today and hopefully save some money in the process! 

Why Home Insurance Is Necessary

When it comes to your home, you work diligently to protect it. Whether you have a leak, a broken window, or a problem with your electrical system, you make sure that it’s fixed as soon as possible. With all the hard work you put into keeping your home in good condition, wouldn’t it be nice to know someone else could cover the big problems your home could face?

Understanding Home Insurance

Like many types of insurance, home insurance helps you protect your home from loss. In the face of qualified losses, Colling Insurance Services Inc. will help you cover the costs of getting your home back to the way it was before the loss. The following are a few things your home insurance could cover:

  • Accidents
  • In-home flooding
  • Weather-related damage
  • Homeowner’s negligence

You get a many different protections by setting up one policy with Colling Insurance Services Inc.

Is Home Insurance Necessary?

Whether you have a mortgage on your home or not, home insurance is necessary. Although it isn’t required by law, home insurance protects you financially. Can you imagine losing your home to severe weather, yet still having to pay for the home as if it still existed? It’s possible without home insurance. However, with home insurance, you don’t have to worry about this because your home insurance provider can help you rebuild.

How to Protect Your Home

The first step required to ensure that your home has the proper protections is to speak with one of our qualified agents. When you talk to one of our agents, it’s important to have information about your home handy, so that you can get a great quote for you home. After that, the process is simple. Our expert home insurance agents will walk you through the process of getting the coverage you need for your home.

3 Tips Every Colorado House Sitter Needs to Know

Staying at someone’s house while they are on vacation—either for free or payment—is a great way to step out of your routine and help a friend. But are you doing everything you can to make sure the process is smooth? Read on to find out three tips that every Colorado house sitter needs to know.

#1: Get Details Ahead of Time

Getting details of what your house sitting stay will include is essential to having a positive experience. Talk to the homeowner and determine what their expectations are of you for while they are gone. Are you supposed to pick up mail, water the plants, feed the dog, or even put the trash cans out on pickup day? Where are extra items kept in the house, such as clean linens and paper products? Are you allowed to have guests or would they prefer that you don’t? What’s the WiFi password? These are all important things to clear ahead of time.

#2: Know What to Do in Case of an Emergency

It is also important that you know what to do in case of an emergency. Ask your host for all pertinent information, such as where the breaker box and utility shutoff valves are located. If you are taking care of pets during your stay, get the number of the owner’s preferred veterinarian. You may also ask for the contact information of a neighbor in case there’s an unexpected incident.

#3: Treat the Place Like You Live There

Another tip for house sitters is to treat the place like you live there. Simply put, if you wouldn’t do it in your own home or wouldn’t want someone else doing it while you were gone, refrain.

Are you the one going out of town? Having proper homeowner’s insurance coverage is important—especially while you are on vacation. Protect your property against unexpected events by getting a no-obligation policy review. Contact our team at Colling Insurance Services, Inc. for more information.

 

Stay Safe When Carving Pumpkins with Friends

Carving pumpkins and lighting jack-o-lanterns is a longstanding Halloween tradition. On the night of October 31, orange globes illuminate yards, walkways and homes. Every year, though, there are accidents associated with jack-o-lanterns. At Colling Insurance Services, we want to remind everyone who will be carving a pumpkin this year to do so safely, and we’ve compiled a few tips to help keep you, your family, and your friends from having a mishap.

Jack-O-Lantern Safety

Carving a pumpkin shouldn’t be any more dangerous than cutting up a squash for dinner. After all, pumpkins are just big squashes. Often however, people aren’t as cautious when they’re carving a pumpkin as when they’re chopping on the kitchen counter. Remember to pay attention to what you’re doing when carving a pumpkin, and to:

  • never use a knife while intoxicated
  • supervise children when they’re carving
  • avoid placing finished jack-o-lanterns where people will walk
  • illuminate jack-o-lanterns with lights rather than candles

The latter two suggestions won’t keep anyone from cutting themselves, but they can help reduce the risk of tripping or starting a fire.

Home Insurance Coverages

Before making the first cut into a pumpkin, you may want to review your home insurance coverages. Your homeowners insurance’s liability coverage may cover accidents related to pumpkin carving, and its fire protection might cover fires started by candles in jack-o-lanterns. Whether its coverages will provide protection in these types of scenarios will depend on your policy’s terms and conditions, and the incident.

For help determining what types of accidents your homeowners insurance covers, contact us. Our agents are licensed to help residents of Colorado with their insurance needs, so they can help you with your homeowners insurance if you live in Lakewood, CO. To get in touch with them, send us a message online.

 

 

Sinking Porch: Will My Homeowners Insurance Cover Repairs or Replacement?

Sinking Porch: Will My Homeowners Insurance Cover Repairs or Replacement?

Colorado has something to offer everyone, whether you’re a skier who could spend all day and evening at Vail or someone who would rather spend your day and evening shopping till you drop at the Cherry Creek Shopping Center.

Unfortunately, with all that snow comes some flooding and wet soil during the spring months. This can damage the foundation of your house and actually cause your foundation and porch to start to sink.

When you purchase homeowners insurance, most people do not read the fine print nor do they ask if their policy covers sinking foundation or a sinking porch. The answer to those questions is generally no, but there are a few exceptions.

Why Does My Homeowners Policy Only Cover Certain Causes for a Sinking Porch or Foundation?

Even though your foundation and porch are part of your house, if they start to sink, they are usually not covered under your homeowner’s policy because of the reasons why they sink, including:

  • Flooding
  • Drought
  • Wet soil
  • Dry soil

In addition, homeowners insurance does not cover the following:

  • Shrinking or expanding foundations
  • Cracked walls
  • Cracked ceilings or floors
  • Driveways, walkways, or fences that become damaged

When Will Homeowners Insurance Cover a Sinking Foundation or Porch?

  • Burst pipes
  • Underground mines that cause damage to your foundation
  • Underground drains and state or city owned sewage lines that cause damage to your home

Although, Colorado is not a state that is prone to earthquakes, you can purchase a separate rider that will cover the cost of foundation and porch repairs and replacement. Of course, the damage has to have been caused by an earthquake for the insurance to pay for it.

On the other hand, Colorado is prone to flooding, therefore a separate policy for flooding is highly recommended and will cover the cost of any repairs or replacement to your sinking foundation or porch caused by the flooding.

The law requires that everyone have homeowners insurance if you have a mortgage auto insurance coverage. However, you can easily work with your Colling Insurance Services agent to work out additional coverage that will provide even more protection when disaster strikes!

 

 

 

Home Cleaning Hacks for the Savvy Homeowner

Owning a home in Colorado comes with a whole new set of responsibilities to tackle. It’s important to make sure your home looks great and that it’s protected with affordable and comprehensive coverage from your independent insurance agents at Colling Insurance Services, Inc. Keep your home looking its best with the help of these simple and easy home cleaning hacks. 

Top 5 Cleaning Hacks for the Savvy Homeowner

1. Use lemons and Kosher salt to clean your cutting boards and stop leaving potentially harsh chemicals behind. Lay down a layer of Kosher salt, cut a lemon in half, and brush the lemon cut side down along the salt. After a few minutes of vigorous rubbing simply rinse the cutting board with water and leave to air dry. 

2. Old pillow cases are prefect for cleaning ceiling fan blades quickly. Simply hook an old pillow case over one blade at a time and carefully wipe backwards. As you pull it back towards you the fabric will wipe away any dust and safely store it inside the pocket.

3. A squeegee works wonders to remove pet hair from carpets, unlike a regular vacuum. All you need to do is brush it along the carpet with a firm grip and watch the hair pile up neatly.

4. Regular white chalk is great for eliminating grease stains on clothing, walls, and furniture. Cover the greasy area with a bit of chalk and let it sit for a few minutes before wiping it away with a damp cloth and you’ll be amazed at the results.

5. Your average lint roller can do much more than freshen your clothes before you leave the house. Use them to quickly clean hair, dander, and other debris off lamp shades and other smaller items around the house.

Make sure that your home and its content are protected with a Colorado homeowners’ insurance policy. Call us today to find out more information! 

Keys to Saving on Your Applewood, Colorado Home Insurance

Applewood, Colorado is a beautiful place to live. We love our Broncos, Rockies and enjoy where we live. We appreciate the outdoors and our fresh air. Even here though, we don’t want to overpay for our insurance, especially for home insurance. For those in Applewood, we have some suggestions.

There are some ways you can save on your homeowners insurance, but it starts with knowing how much you are actually paying for your home insurance. Many don’t really know because their insurance payments are rolled into their mortgages and they pay them along with their taxes. Our first tip is to find out exactly what you are paying.

You then need to discover exactly how much coverage you do have. How much is your property insured for? What about the contents of your home and outbuildings? How much liability insurance do you have and is it enough? Getting a homeowners insurance review will get you those answers.

We can help walk you through the process. As independent agents in the area, we have the ability to get quotes from many individual companies. Since we are not limited to a single company, our options give you a wider choice of coverage and premiums.

There are also other ways to save on your home insurance. Some companies offer discounts for alarm systems and fire protection. You can also save by increasing your deductibles. In addition others offer discounts by “bundling” policies with one company.

The point is an independent insurance agency can help you discover these discounts and help you take advantage of them. You can see for yourself by getting comparative quotes on homeowners insurance right from our website. You can also compare your auto insurance rates online.

Contact us to get great rates on your homeowners insurance today. We will be glad to help you reduce the premiums you pay on your Applewood home insurance.

The Benefits To Getting Quotes From A Home Insurance Agency

Wheat Ridge has a lot of pioneer history. The city, just outside of Denver, was only incorporated in 1970, but it has grown considerably since then. Various events and festivals take place throughout the city all year long and this brings in a considerable amount of tourism.

Working with a home insurance agency is a great idea when you want to get quotes. This way, you don’t have to do all of the work on your own. It’s simply a matter of working with an agent to tell them what you want and letting them do a majority of the work for you.

One of the primary benefits to working with a home insurance agency in Wheat Ridge is that you have someone to talk to about coverage options. You can learn how to protect your home and all of your belongings against such things as fire, flood, storms, break-ins, sinking foundation, personal injury claims, and more.

Another benefit is that you can be confident that you’re getting the best price on a premium. Our agents will get quotes for you throughout Colorado. We work with multiple insurance companies and this ensures you get a good overview of what companies are offering so you don’t pay more than what’s necessary.

It’s important to have someone who knows what they are doing helping you with insurance. If you don’t want to do all of the work on your own, you can simply rely on a home insurance agency to do the majority of the work. They know what companies have the best deals and know about the top claims being made throughout Colorado. This allows the independent agents to guide you through the process and provide considerable amounts of advice.

Contact us today and learn how we can get you quotes.

Home Insurance Coverage Options in Wheat Ridge, CO

Homebuyers in Wheat Ridge, CO, need homeowners insurance coverage if they expect to qualify for a mortgage loan to help them finance the purchase of a residence. Fortunately, consumers here can work with a home insurance company that can help them find the lowest possible rates on homeowners insurance coverage.

Colling Insurance Services is an independent insurance agency. The agency works with a wide variety of insurance companies covering Colorado. Because of this, the agents here can search for the most affordable coverage for their clients.

Colling Insurance Services also offers its own online rate-comparison tool. This tool makes shopping for homeowners insurance easier than ever. Simply enter information about the home you are buying — its address, age, size — and click “Enter.” In seconds, live online insurance quotes will pop onto your screen.

You can then research these quotes for price and coverage information. Once you find the quote you like, call your local home insurance company, Colling Insurance Services. As an independent insurance agent, Colling can connect you to the home insurance policy that fits best with your coverage needs and budget.

Colling can also help you determine how much coverage you need. You want to be financially protected in case severe storms or fire damage or destroy your home. The right homeowners insurance policy will provide you the financial resources to rebuild your home and replace damaged items.

And if your home should be robbed, the proper amount of home insurance coverage can help you replace stolen computers, TVs, jewelry and clothing.

Now thanks to online rate shopping, finding this perfect insurance policy is no longer an all-day affair. Online insurance shopping has made it easier than ever for homebuyers to find the most affordable home insurance policy that provides the perfect level of financial protection.

So take a few minutes to search Colling’s Web site for the right insurance policy for you. Then give the company a call. One of their agents will guide you to the right policy.