HOW CAN WE HELP YOU?

Click to Call
CO Insurance Specialist

6990 W. 38th Ave. #200
Wheat Ridge, CO 80033

Get Directions

How Mileage Affects Classic Car Insurance Policies

Posted on by agentinsure

If you own a classic car in the greater Wheat Ridge, CO area, it’s important to understand that your classic automobile needs more than a traditional auto insurance policy. A traditional policy does not consider all of the modifications and restoration that may have been done to your classic car, whereas classic car insurance does. Mileage greatly affects these types of car insurance policies. Here’s more information as to how.

How Mileage Affects Classic Car Insurance Policies

When it comes to classic car insurance, mileage plays a crucial role in determining the policy terms and premiums. Classic car insurers typically offer lower rates for vehicles that are driven less frequently, as limited mileage reduces the risk of accidents and wear and tear. Due to their age and environmental impact, classic cars typically are not driven frequently, which is why these types of policies work well for classic automobiles. Policies often include mileage limits to qualify for these specialized rates, reflecting the vehicle’s use mainly for exhibitions, parades, and occasional pleasure drives. Understanding these limits and accurately reporting your classic car’s mileage is essential to maintaining appropriate coverage and benefiting from reduced premiums.

Always Check the Mileage Restrictions

When purchasing a classic car policy, it’s important to always check the annual mileage limits. If you drive your car more frequently, your rates can be raised, so always ensure you fully understand your policy.

Ready to Get an Estimate? Call CO Insurance Specialist Today

If you’re ready to get help finding the ideal classic car insurance policy to meet your needs, the CO Insurance Specialist, serving the greater Wheat Ridge, CO region, is here to help you. Call us today, and let us provide you with an estimate.

Why You Should Talk to Your Agent Before Your Next Home Renovation Project

Posted on by agentinsure

Homeowners are infamous for getting excited about home renovation projects, which is understandable. The idea of that new deck this summer or that refurbished basement for everyone to enjoy this winter is worth getting excited about. Like most major or considerable endeavors, it is always a good idea to take your time and plan carefully before jumping in. That is also why many homeowners in the Wheat Ridge, CO area turn to the experienced and professional team at the CO Insurance Specialist for all their home insurance questions before making any home improvements or renovations.

Discuss Your Home Renovation Plans with an Agent First

Making significant changes to the structure of your home or additions to your home can impact more than the value of your home and property. From ensuring that you have adequate coverage to adjusting your policy and more, discussing any changes you plan on making with an agent will help you keep your home protected and help homeowners avoid any surprises in the future if they ever need to use their policies. These are also a few reasons homeowners should contact an agent before starting their next project.

Home Insurance Solutions for Wheat Ridge, CO Area Homeowners

Are you a homeowner in or around the Wheat Ridge, CO, area and would like to learn more about home insurance solutions or need coverage for your home and property? Then, our friendly and professional team at the CO Insurance Specialist can help with all your insurance questions and needs. Contact us to find out more and schedule an appointment before you start your next home renovation project today.

Will My Auto Policy Cover a Single Vehicle Accident?

Posted on by agentinsure

Single-vehicle accidents occur more often than you might think and account for over half of Colorado traffic deaths. Single-vehicle accidents occur with automobiles, motorcycles, and commercial vehicles, and the coverage and liability issues to single- and multiple-vehicle accidents. Still, knowing what to do following a single-vehicle accident is essential. The CO Insurance Specialist team, serving Wheat Ridge, CO, will answer your insurance questions and provide the coverage you need.

Understanding Fault in Texas Single-Vehicle Accidents

Colorado is an at-fault state, so we have processes to determine who is legally responsible for injuries or damages resulting from an accident and who holds financial responsibility for the injuries and damages. Though it may seem counterintuitive, more than one person or entity may be at fault for a single-vehicle accident. Sometimes, the process finds the vehicle operator is not at fault or is only partially at fault for an accident. Those situations occur when the fault is due to:

  • Ice, snow, fog, or other weather-related conditions
  • Road faults such as potholes or broken pavement
  • Street signage hidden from view
  • Hitting an animal or items that fell off another vehicle
  • Swerving to avoid another vehicle negligently entering your path
  • Vehicle manufacturer or mechanic errors leading to a faulty vehicle

You should obtain a police report for all accidents. You can also help determine fault by safely documenting the accident scene. Pictures or videos that truthfully represent your version of the events may help identify contributing factors to the accident.

Working with CO Insurance Specialist

For those living in or near Wheat Ridge, CO, the team at CO Insurance Specialist will help you obtain the insurance coverage you need. Stop by the office today or call us at (720) 638-0850 to get started.

Seasonal Maintenance Tips for Condo Owners

Posted on by agentinsure

Owning a condo comes with its own set of responsibilities, and at CO Insurance Specialist in Wheat Ridge, CO, we know keeping your space in top condition is key. With each season bringing its own challenges, here are some tips to help you maintain your condo year-round.

Spring Refresh

Spring is the perfect time to tackle a deep clean. Start by checking your HVAC system to ensure it’s ready for warmer months. Replace filters and consider a professional inspection. It’s also an excellent time to inspect windows and doors for any damage or drafts that might have occurred over the winter.

Summer Checks

As summer heats up, focus on your air conditioning. Make sure the unit is functioning efficiently to keep energy bills in check. This is also a great time to inspect balconies or patios. Check for any structural issues and clean outdoor furniture, making your space ready for relaxation.

Fall Preparations

With cooler weather approaching, fall is ideal for prepping your condo for winter. Clean gutters to prevent water damage, and inspect your roof for any signs of wear. It’s also wise to test smoke and carbon monoxide detectors, ensuring they’re in working order.

Winter Care

During winter, keep an eye on heating systems. Regular maintenance will ensure they run smoothly throughout the season. Be vigilant about checking for ice buildup around windows and doors to prevent damage. It’s also a smart time to review your condo insurance policy.

Are You In Need of Condo Insurance? Reach Out to Us For a Quote

At CO Insurance Specialist in Wheat Ridge, CO, we’re here to help protect your home year-round. Contact us to learn more about our comprehensive condo insurance options tailored to meet your needs.

The Role of Commercial Property Insurance in Disaster Recovery

Posted on by agentinsure

In the bustling hub of Wheat Ridge, CO, businesses face various risks that could disrupt operations. At CO Insurance Specialist, we understand that preparing for the unexpected is crucial. One key aspect of safeguarding your business is through commercial property insurance, especially when it comes to disaster recovery.

What is Commercial Property Insurance?

Commercial property insurance acts as a safety net for businesses, covering damage to physical assets such as buildings, equipment, and inventory. This type of insurance is essential in protecting your business from financial loss due to unforeseen events like fires, storms, or other natural disasters. With the right policy, you can ensure your business bounces back quickly and efficiently.

The Role of Insurance in Disaster Recovery

When disaster strikes, the aftermath can be overwhelming. The financial implications can be significant, from structural damage to inventory loss. Commercial property insurance helps mitigate these losses, providing the necessary funds to repair or replace damaged assets. This not only aids in the physical recovery of your business but also supports its financial stability.

Insurance as a Path to Resilience

Having a comprehensive insurance policy is a step towards resilience. It allows businesses to focus on rebuilding and continuing operations without the added stress of financial strain. By investing in commercial property insurance, you’re investing in the future of your business, ensuring that you’re prepared for whatever challenges come your way.

Contact CO Insurance Specialist for a Quote on Commercial Insurance

At CO Insurance Specialist in Wheat Ridge, CO, we’re here to guide you through the process of selecting the right coverage for your business needs. Our team is dedicated to helping you protect what matters most. Contact us today to learn more about how we can support your business in disaster recovery.

Protect Your Classic Car While It Is Being Transported

Posted on by agentinsure

Owning a classic car requires responsible transport efforts when moving your vehicle to a new location. Consider the following topics, and then choose add-on coverage to include in your existing classic car insurance policy.

Assessing Your Vehicle

First, consider the value of your classic car. Assess the frequency with which you operate or tow your vehicle. These variables will assist in determining how much add-on coverage to include in your classic car insurance policy. If you use your vehicle frequently, the risk of being involved in an accident or enduring theft or vandalism will increase.

Choosing Towing Essentials

Inspect the weight and body style of your classic car. Choose towing equipment that will maintain the condition of your vehicle while it is being transported. The towing essentials you invest in should include tow bars, straps, covers, and other accessories that will protect your vehicle while it is actively being transported.

Considering Accessory Storage Options

Consider how you will store automotive materials while transporting your classic car. Having access to a built-in toolbox or another type of storage aid will allow you to stow the gear you need for your vehicle safely. Invest in storage equipment that will keep the stored materials clean and dry. If you leave your vehicle and towing equipment unattended on occasion, select storage items equipped with sturdy locking systems. Towing equipment that includes lights, electrical components, and other materials of value should also be added to your existing insurance policy.

Seeking Additional Insurance Support

The guidance that our agents at CO Insurance Specialist provide will help you keep your classic car protected. Contact one of our agents who serve the Wheat Ridge, CO region. An agent will discuss classic car insurance options with you.

How Do I Know What Types of Water Damage Are or Are Not Covered By My Home Insurance Policy?

Posted on by agentinsure

Navigating the ins and outs of home insurance can feel overwhelming, especially when understanding water damage coverage. At CO Insurance Specialist in Wheat Ridge, CO, we’re here to help clarify what types of water damage are typically covered by your home insurance policy and what might not be.

Covered Water Damage

Most standard home insurance policies cover sudden and accidental water damage, including events like burst pipes or a malfunctioning washing machine. If water damage occurs unexpectedly and requires immediate attention, it’s likely covered. However, it’s essential to review your specific policy details to ensure these scenarios are included.

Exclusions to Watch Out For

However, not all water damage is treated equally. Damage resulting from unresolved maintenance issues, like slow leaks or ongoing seepage, is usually not covered. Insurance companies expect homeowners to maintain their properties, and ignoring minor problems can lead to costly repairs that aren’t covered.

Floods and External Water Sources

One common misconception is that home insurance policies cover flood damage. Unfortunately, they generally do not. Flooding from natural events, such as heavy rain or rising rivers, requires separate flood insurance. It’s crucial to assess your home’s flood risk and consider additional coverage if necessary.

Clarifying Your Coverage

Understanding your policy can be tricky, but avoiding surprises is vital. Regularly reviewing your insurance documents and speaking with your agent can provide clarity. If you’re unsure about your current coverage, reach out for a detailed explanation.

At CO Insurance Specialist in Wheat Ridge, CO, we’re dedicated to helping you understand your policy. Contact us today to ensure you have the coverage you need to protect your home against water damage.

Safe Driving Tips For the Whole Family

Posted on by agentinsure

Driving is a fact of modern life for most Americans. Cars get people from A to Z and everywhere in between. That said, vehicles move fast and are heavy. As such, car accidents can be severe, and safety is a must. We’ll provide some safety tips below. One crucial safety tip that should be mentioned upfront is that you need the right auto insurance policy. If you are looking for auto insurance in Wheat Ridge, CO, contact the CO Insurance Specialist.

Making Driving Safer With the Right Practices

First, families need to keep an eye on their cars. You should check the tires regularly to ensure they are correctly inflated and in good condition. Also, make sure brake lights, headlights, and turn signals are working. Before hitting the road, it’s also a good idea to know the weather. Rain, snow, ice, high winds, flooding, and other weather factors can increase risks.

Distracted driving has become a significant cause of car accidents in Colorado and across the United States. Don’t text and drive, and don’t get distracted by the radio, either. If you get in a car accident, you’ll surely regret it.

It’s crucial to follow the law as well. Know the local speed limits and other rules for operating motor vehicles. Tickets may result in fines and even criminal charges, but your car insurance premium may also increase.

Finally, insurance is a requirement in most states. It’s crucial to ensure that the right insurance plan adequately covers you. The right plan for one family might not be the right plan for another family, so it’s wise to work with insurance agents. If you and your family need assistance with auto insurance, contact the CO Insurance Specialist serving Wheat Ridge, CO.

Home Insurance Options in Wheat Ridge

Posted on by agentinsure

There are many things homeowners do to care for and maintain their homes. For many people, their homes are a refuge, a place of comfort, and even a source of pride and joy. That is also why so many people choose to protect their homes with home insurance and why homeowners in and around the Wheat Ridge, CO area turn to the professional and friendly team at the CO Insurance Specialist for all their home insurance needs.

Finding the Right Home Insurance Solutions

Most homeowners need a little effort, knowledge, and maybe some guidance for most maintenance and home upkeep demands. There is insurance for everything else, like roof repairs, flooding damage, and other major concerns. To help with major repairs and expenses to protect from theft, liability, and more, the right home insurance coverage can make a difference.

That is also why working with trusted and professional agents who can help with all your coverage needs and questions is important. Although many people strive to achieve homeownership, it can also be an expensive experience. Fortunately, in many scenarios, home insurance is the solution and how homeowners navigate the concern of costly home repairs.

Insurance Options for Your Home in Wheat Ridge

Are you a homeowner in or around the Wheat Ridge, CO, area? Do you have questions about home insurance or want to learn more about home insurance for your humble (or not-so-humble) abode? Then our friendly, experienced, and professional team at the CO Insurance Specialist is here for all your questions and all your home insurance needs. Contact us to find out more and schedule an appointment today with the CO Insurance Specialist for the protection you and your home need and deserve.

If I Have an Accident with My Classic Car, Can I Repair It Myself?

Posted on by agentinsure

Many classic car owners take their cars to shows and discuss them with others, particularly when restoring cars themselves. The proof is in the pudding, and bragging rights come from the expertise and care that returned the car to its glory days. Your dedication to the craft is why some insurance policies allow owners to do their own repairs. If you need classic car or other insurance and live in or near Wheat Ridge, CO, contact the CO Insurance Specialist team for assistance.

Classic Car Insurance and Self Repair

Classic cars are not everyday drivers. They are unique, just like their owners. These differences are why classic car owners’ needs differ when their cars are involved in accidents and why some insurance policies cater to those needs.

Insurance companies encourage everyday vehicle owners to use preferred repair providers, but many take a different approach with classic cars. Besides allowing owners to have repairs performed at specialist shops that charge more than mainstream repair shops, classic car policies are more flexible about the cost of replacement parts because of the need for authenticity.

Some, but not all, classic car insurance providers also allow owners to repair the car themselves. Some also help locate the parts you need for the repairs. If repairing your vehicle following an accident is important to you, discuss the issue with your agent when shopping for policies so they can find the right provider.

Working with CO Insurance Specialist

The team at CO Insurance Specialist looks forward to providing classic car insurance that best suits your needs. If you live in the Wheat Ridge, CO area, call us at 720-638-0850 or stop by today, and let us care for all your insurance needs.

Categories

Insurance Partners
  • Allied
  • Auto Owners
  • Bristol West
  • CNA
  • Hagerty
  • Hartford
  • Infinity
  • Progressive
  • Safeco
  • Secura
  • State Auto
  • Travelers
cis-insurance-footer

Contact Us

Quick Links

Services