Hail Damage: What Can Really Happen

Posted on April 6, 2015April 3, 2015 by agentinsure

Wheat Ridge is on the western corner of Denver, Colorado. Winters can be very cold and accompanied by a lot of snow. Summers are mild. Everywhere you look, there is a lot of recreation to be had. The city has a population of around 30,000 and is growing on an annual basis.

It’s important to look at hail damage in terms of car insurance because you want to have the necessary protection. The state of Colorado mandates that all drivers have liability insurance. This covers property damage and personal injuries, but nothing having to do with the damage that stems from hail. This would require comprehensive insurance – and it’s a coverage option that can easily be added to your policy.

Hail can range in size from the size of grains of rice to the size of golf balls and larger. As these fall from the sky and land on your vehicle, it can cause a significant amount of damage including:

– Dings in car body

– Cracked windshields

– Damage to clear coat

The damage to the clear coat can have the greatest impact because it may not be seen right away. However, it is this coat that seals in the paint and prevents it from chipping away. If the paint starts to chip, the body of the car can rust, causing problems to the overall construction as well as the aesthetics.

Insurance agents can talk to you about the number of hail damage claims in Wheat Ridge over recent years. This will help you to understand the sheer extent of damage that can occur so you can get the needed protection.

Policies can be affordable, even with this coverage. Call and talk to one of our agents today and we will talk to you about hail and how to get the best policy.

What You Need to Have Before Getting a Commercial Insurance Quote

Posted on March 24, 2015January 16, 2015 by agentinsure

If you have ever owned a business and suffered a financial loss caused by an unforeseen disaster, then you know the benefits that a commercial insurance policy can have. This kind of policy has many parts to it that work to protect your business from financial losses. To help you get the commercial insurance quotes in Arvada, CO, here are some things that you will want to have before starting the process.

Getting Organized for an Insurance Quote

If you currently have an insurance policy, you will want to have a copy of it when getting a new quote. This allows you to compare the old policy with the new quote. It also gives you the information that you need to match up each coverage benefit for an accurate quote.
You will also want to have driver information if you have a fleet of cars that service your company. You can add auto coverage to protect your cars and each driver that works for you by adding this type of coverage.
You will also want to know how much merchandise protection you need. This means that you will need to know what your inventory is worth. This way you can be sure that your policy coverage limits are high enough to cover everything.

If you live in zip code 80002 and are looking for a quote for commercial insurance, then our agents can help you. Give us a call today and let us provide you with the information you need in order to make an informed decision regarding your insurance needs. As your agent we can answer all your questions and provide you with a policy to meet your insurance needs.

Commercial Insurance: Benefits, Coverage and Options

Posted on March 9, 2015January 16, 2015 by agentinsure

In Colorado, the air is crisp and the opportunities are limitless. Seasonal arrivals deliver farmers’ markets, organic grocery stores and harvest farm activities. The Rocky Mountain National Park is always available for hikes, and the Breckenridge international Snow Sculpture Championships exemplify state culture while providing fantastic artwork collections.

Business Investment and Opportunities

Such a lush, evocative area is home to a thriving business market, and many industry leaders maintain high-quality insurance coverage when navigating business options. Often, commercial investment requires sustainability and scale; becoming a commercial real estate professional, or a corporate manager, requires intensive protection within the following areas provided through commercial insurance agents:

Employee protection
Property damage
Liability
Property extensions

Coverage Benefits

Mitigating risk while protecting investments is vital, and it promotes long-term growth. Risk, like many expenses and liabilities, is a constant factor, and many business insurance options protect investments while sheltering a thriving company. Small, medium and large-sized companies benefit from commercial insurance, and they often obtain the following benefits:

Customizable coverage for highly specialized industries
Dedicated underwriting services
Claim control services
Risk control services

Quote Comparisons for Commercial Professionals

Our wide array of insurance coverage quotes guarantees multiple avenues for aspiring professionals. While state regulations may differ depending upon specific spheres, most commercial coverage spans across, and accommodates for, the following areas:

Commercial automobile insurance
Commercial general liability insurance
Commercial property insurance
Commercial umbrella insurance

The above coverage areas contain a wide array of amenities for industry decision makers, and many reimburse insured parties suffering financial loss. When property is damaged or destroyed, coverage absorbs expenses—relieving a business from undue harm. While many coverage types are expandable and customizable, different providers offer alternative quotes—and maintaining industry knowledge is important. Our services guarantee wide breadth when seeking commercial solutions—so visitors always know their options.

Dealing With Roof Damage In Colorado

Posted on February 24, 2015January 16, 2015 by agentinsure

When you have a home in Colorado, whether it’s up in the mountains of Aspen or in the populated area of Colorado Springs, it’s important that you have a good homeowner’s insurance policy. This will ensure that if something happens during a storm, you will be able to file a claim and get your roof repaired as needed.

Whether it is snow, hail or even strong winds, Mother Nature is capable of causing a significant amount of roof damage in a storm. Your homeowners insurance should protect against these different things and make it easy to get the repairs quickly – without you paying out of pocket more than the deductible.

We want to make it easy for you to get a homeowner’s policy that you can rely on. We take the time to make sure you have the necessary coverage at a price that you can afford. This gives you peace of mind that your home is protected throughout storms as well as various other things.

There are all sorts of “extra” coverage options that you can explore. These will protect you against floods, storms, earthquakes and even protect additional items like expensive jewelry, fine art and much more. With all this protection, you never have to worry about the “what if” scenarios.

Your home in Colorado should always be protected and while you require a homeowner’s insurance policy for as long as you have a mortgage, there are many options for you to choose from. We want to make sure you don’t make any haste decisions and that’s why we’ll sit down and explain everything, answer questions, and guide you through the process.

An affordable, customized policy is out there and when you call today, we can begin finding quotes for you!

Does Home Insurance Cover a Sinking Foundation?

Posted on February 9, 2015January 16, 2015 by agentinsure

If your windows seem harder to open and your doors don’t close without a little extra push, it could be the first signs that there is a problem with your foundation. Spreading cracks in your wall and floor or a front porch that is pulling away from the structure of your house, are also possible indicators of a sinking foundation. If you find yourself in such a situation, the cost to repair and remedy the damage can be high. Unfortunately, most home insurance companies only cover this type of loss in a very limited number of circumstances. Usually, homeowners insurance policies contain a specific exclusion against this type of peril.

Although some skyscrapers are designed to move a few inches to be able to better withstand earthquakes, very few homes are designed to move with the expansion, settling or shifting of the ground. Bad things can happen even if your house only shifts by a few inches. In some states, like California and Florida, companies that sell home insurance are required by law to also offer customers the opportunity to buy additional insurance that provides protection against certain types of earth movement. California law requires home insurers to offer earthquake insurance and Florida law requires home insurers to offer sinkhole coverage.

Each state has their own laws and rules that deal with sinking, rising, shifting, expanding or contracting earth movement. Insurance companies may be forced to cover some of these risks, but they are also allowed to charge an additional premium, above and beyond the standard homeowners insurance policy premium.

In rare instances, such as a water supply line bursting under your home and causing the floor beneath your feet to give way, your homeowners insurance may compensate you for the damage to your house. The best way to find out if you are covered for foundation damage is to talk with your independent agent. It is possible to buy additional coverage for a sinking porch, Your agent can compare rates from several insurers to help get you the coverage you want at a price you can afford.

Get Instant Car Insurance Quotes in Arvada, CO

Posted on January 27, 2015January 16, 2015 by agentinsure

A part of the greater Denver metropolitan area, Arvada, CO is a town with a lot going on. Not only is it a scant few miles outside the town limits of the world famous Mile High City of Denver, it has plenty of its own attractions, as well. There is its thriving historic district, two national wildlife refuges, and its center for the arts and humanities to start. In addition, Arvada has a long history as a gold mining town and was an important part of the mid-1800’s gold rush, with remnants from that time that can still be seen today. With clean air, lots of shopping and modern conveniences nearby, and gorgeous scenery, the 80002 zip code area is the place to be in Colorado.

Because the roads in and out of Arvada are often high and rocky as they lead up to and out of Denver, it is important to make sure your car has strong insurance coverage. Most Arvada drivers are familiar with the roads and can traverse them well. However, the millions of tourists Denver gets each year are not always so well-trained on these roadways. Accidents can happen to even the most experienced local driver, either from the actions of others or from icy, snowy conditions. Keeping the best, most solid car insurance coverage means protecting your interests if your car is damaged or if someone initiates a personal injury lawsuit against you.

You can go to the CO Insurance Specialist website to get instant quotes on auto insurance policies, so you can see how much extra protective coverage will cost you. You can also talk to one of our local agents in person to discuss the type of coverage that is best for you. Contact your CO Insurance Specialist agent today and get the peace of mind that comes with knowing you’re covered for any eventuality in your car.

Colorado: The 3 Levels of Learning Permits for Teen Drivers

Posted on January 12, 2015January 16, 2015 by agentinsure

Colorado is a beautiful state with plenty to see and do in it. From the staggeringly gorgeous Rocky Mountains to the famous mile high city of Denver, you will never run out of things to entertain you in this great western state. If you love the outdoors, you will find miles of hiking, mountain biking, and snowshoeing trails available year round. There is a lot of wilderness here, so you have plenty of chances to see wildlife of all kinds. The air is clean, the people are progressive-minded, and there are lots of "green" businesses to patronize. It was also listed as among the top 3 states in the nation for business by CNBC in 2010, meaning there are lots of job and entrepreneurial opportunities here.

If you’re moving to Colorado, or have recently moved there, you’re going to need some time to become accustomed to the state’s driving laws. They may be different from the state you’re leaving. This is particularly true when it comes to a teen getting a learners permit to drive, and the car insurance requirements for both teen and adult drivers.

There are three stages of licensing for beginning drivers under the age of 21 in Colorado (if you’re over 21, these stages do not apply to you, and you can just test for your regular license). The stages are:

Driver Education Permit–Teens between 15 and 15 1/2 years old can apply.

Driver Awareness Permit–Teens between 15 1/2 and 16 years old can apply.

Minor Learner’s Permit–Young people between 16 and 21 years old can apply.

Each type of permit comes with its own set of requirements for obtaining and using it. Permits are good for three years each, but the next permit may be applied for prior to that, once the teen reaches the correct age.

If you have any questions about adding a teen driver to your car insurance in Colorado, or what the coverage requirements are for adult drivers, contact one of your local CO Insurance Specialist agents to discuss it. You can also get instant auto insurance quotes online on the CO Insurance Specialist website whenever you need one.

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