Lying just five miles outside Denver, it’s hard to imagine Wheat Ridge, CO use to be a popular area for Gold Rush travelers to stop and rest. Today, it is primarily a residential city where families love to spend lots of time outdoors. If you live in Wheat Ridge, CO and are about to buy a new home, here are three reasons to get home insurance, even if you don’t have a bank loan.

1.  You Have To

If you have a mortgage, you have to have home insurance. The bank wants to protect the asset it is making money from and will require you to purchase home insurance prior to closing on your new house. But don’t worry, home insurance isn’t as expensive as you might think.  

2.  It Protects Your Home

If something were to happen to your home, such as a devastating fire, an out-of-nowhere tornado, or some other disaster that befalls your property and you didn’t have insurance, the truth is you could find yourself homeless and/or financially devastated.  Considering that home insurance is a yearly fee that you can afford, isn’t it worth protecting the roof over your head and having peace of mind?

3.  Provides Temporary Housing – Just in Case

If your home is destroyed, temporarily unlivable due to a disaster, or every single piece of furniture is stolen while you’re away on vacation, home insurance will typically set you up with a temporary place to live and hook you up with living expenses during this trying time. Staying in a hotel, helping with food, laundry expenses, storage expenses, and internet expenses are something most insurance companies will help cover.  

To learn more about the benefits of having home owner’s insurance, contact CO Insurance Specialist. We have all the answers to your questions and we understand that many new home owners have lots of questions. To speak with a friendly agent at CO Insurance Specialist call us today at 720-638-0850.  

 

 

 

 

 

 

 

You have to prepare your home for every season. During the fall season, you have to conduct a thorough inspection. The leaves that fall and the fact that winter is just around the corner, means you have plenty to do to your home during fall to keep it safe. 

1. Gutters

Your gutters are bound to fill up with leaves. This prevents them from draining water like they’re supposed to, which could lead to roof or foundation damage. Additionally, if the gutters become too heavy, you could find them falling, potentially becoming hazardous to anyone standing under them. And if you’re gutter should happen to fall, it could do extensive damage to your home. 

2. Roof

Get on top of your roof and inspect it for missing or damaged shingles. Check for corroded flashing or leaky vents. Damage to your roof could cause water to leak into your home and cause an extensive amount of damage. 

3. Furnace 

Inspect your furnace. Make sure you change the filter on the furnace before you start using it again. You’ll prevent it from catching flame, and it’ll make it more energy efficient. You should have a professional come and inspect your furnace before you start using it again for the winter.

4. Steps and Driveway

You never want to have steps or a driveway that is dangerous, especially considering you’re held accountable if someone should happen to get hurt on your property. That’s why CO Insurance Specialist, serving Wheat Ridge, CO and the surrounding area, advises homeowners to always keep their steps and driveway maintained. However, it’s especially important during winter. Any problems will worsen when snow and ice pile up.

To get a quote for homeowner’s insurance or to learn more ways to get ready for fall, contact CO Insurance Specialist, serving Wheat Ridge, CO and the surrounding area, by calling 720-638-0850.

As a Wheat Ridge, CO homeowner, you probably have multiple questions and concerns when it comes to finding the perfect home insurance plan. Well, you’re not alone. Many homeowners are frustrated by a lack of home insurance understanding.

Fortunately, it’s not as complicated as you may think. To get you oriented, here are 4 important figures that you should always know when choosing a home insurance plan.

Your homeowners premium

After discounts are applied, your homeowners premium is the complete total that you’ll be expected to pay each month for your home insurance plan.

Home insurance deductible

Your home insurance deductible is the cost that you’ll need to pay out-of-pocket for help from your insurance plan will become active.

The value of your personal items

If an unexpected accident or natural disaster occurs, you’ll need to have a record of the costs of your personal items in order to get reimbursed and buy replacement items. The individual values of your belongings should be recorded by you and kept somewhere safe.

Supplemental policy costs

In some cases, homeowners opt to purchase supplemental insurance plans to protect addition items and aspects of their home life.

CO Insurance Specialist Can Help

If you are interested in home insurance for your dwelling in Colorado, look no further than CO Insurance Specialist. We serve the residents of Wheat Ridge, CO and the surrounding areas, and we’d be glad to help you find an insurance plan that will work for you.

To start a dialogue with one of our experienced and knowledgeable insurance agents, contact us at your earliest convenience. You can get in touch with us by phone, visit our website, or visit our nearest location in Colorado. We look forward to working with you and finding you a great coverage plan for your home. 

Home renovations can not only make your home a more useful and pleasant environment but can add value to your Wheat Ridge, CO property. Adding a backyard patio or enlarging a bedroom will increase living space, making your home a more comfortable environment. Renovating a bathroom or kitchen can greatly enhance your home’s appearance and function.

Before beginning any renovation projects, however, talk to your CO Insurance Specialist agent to see how they will affect your insurance coverage. You may need to update your policy to protect these projects against damage or loss. Here are a few reasons why you may need to alter your coverage when making major improvements to your home.

Insurance Limits

The limits on your current insurance policy may be insufficient to cover the repair or replacement costs of major renovations in the event of fire, flood or storm damage. By extending your current limits or obtaining additional insurance coverage, you can ensure these investments are protected against any eventuality.

If you’ve purchased new furniture or equipment to go with your renovations, such as new kitchen appliances or patio furniture, you may need to raise your property damage limits to protect these items from unforeseen damage or loss.

Increase in Property Value

Major home renovations such as kitchen or bathroom remodeling could increase the value of your property, making your current policy insufficient to cover the replacement cost of your home. You may need to update your policy to offset this increase in value. As one of your most valuable investments, your home deserves to be well protected against any eventuality.   

By discussing your insurance options with a CO Insurance Specialist agent in Wheat Ridge, CO, you can get a better idea of the coverage you need to fully protect your home and personal assets.