Homeowners insurance is a must-have for any homeowner, be it a first-time owner or a long time owner. We shop for it with certain events in mind. Fire, water damage and theft are the primary incidents that homeowners worry about, but this coverage can also help with events like liability for injuries and damage to a neighbor’s property. What you may not realize is homeowners covers several circumstances that you probably never think about, but may need in the future. Here are several items you didn’t know homeowners insurance covers.
Today there are a lot of options to choose from when you’re searching for an insurance agent. There are advertisements on TV, billboards on the highway and so much more. It can be hard to know where to turn for an insurance agent you can trust. You need an agent or a broker who can put your needs first, and one that will help you shop for the best discounts and coverage options possible. You don’t have to just pick one that sounds good and hope for the best. We’ll help you decide with these important selection tips.
One of the most common mistakes insurance customers make is also the easiest to fix, and it has to do with insurance records. Record keeping is extremely important both when you first set up your insurance plan and whenever you file a claim. Yet all too often insurance customers fall short in this aspect. You don’t have to join the ranks of customers who don’t keep proper insurance records. These tips will help you maximize your coverage and keep your records accurate year after year.
Probably the common question in homeowners insurance is how to save money on monthly premiums. Of course every homeowner needs insurance, but owning a home comes with several other costs. A homeowner has to balance these other costs with the price of insurance. There are several ways you can lower your premium, from installing a home security system to simply bundling your home coverage with other policies like auto. Today we’re going to focus on an important savings question: Should you raise your homeowners deductible to lower your premium?
It is common for customers to have some degree of misconception about their insurance coverage. Whether it’s homeowners, auto, or other services, insurance can be complicated. While it’s common to be confused about certain policies, it could cost you big if you don’t correct it before an accident or claim. Now is the time to get educated. You can still change or swap your coverage to meet your needs. Below are the most common insurance misconceptions and suggestions on what you can do if you were counting on something in the policy that isn’t true.
Hail damage claims have become a common conversation in Colorado this spring. Everyone is talking about the damage their home and vehicles sustained and how their insurance claims are going. Still others haven’t filed their claims yet, partly due to the fear that another storm may hit and partly due to concerns over long waits to see an adjuster. The good news is hail claim appointments are beginning to slow down in Colorado. If you’re still in need of a hail adjuster for your automobile or homeowners insurance, now is the time to schedule an appointment. We’ll walk you through a first-hand hail adjuster experience for an automobile so you know what to expect.
The aftermath of a hail storm can almost feel like a bomb went off. Broken glass, fallen tree branches, shattered siding, and vehicle dents are a common sight after the storm has passed. May hail storms are a common threat in Colorado as well as other parts of the country, and the Denver just experienced a real doozy with baseball-sized hail falling in the metro area. So what do you do when a serious hail storm strikes your home and automobile? We’ll walk you through both types of hail damage claims.
If you haven’t investigated bundling insurance before, now is the time to give it a closer look. Almost every insurance carrier offers benefits around bundling that includes premium discounts, ease of contact and claims, streamlined billing and less coverage gaps. Insurance companies prefer to have long standing relationships with customers versus a high turnover rate. Bundling insurance is a good opportunity for carriers to reward customer loyalty by offering savings and other perks. The most common coverage options to bundle are auto and homeowners/renters, but there are several other policies that can be bundled in the same way. Let’s take a closer look at why you should consider bundling as well as how to get started.
For many, a pet is part of the family. When a pet suffers from unexpected illness or injury, it can be upsetting as well as costly. Veterinarian costs are rising just like healthcare costs, and it could be heartbreaking to end up in a situation where you can’t afford vet costs in an emergency. More and more people are turning to pet insurance to avoid this situation and protect the well-being of the family pet.
Square State Insurance is pleased to offer pet insurance coverage through Safeco Insurance. Before you purchase coverage, you need to know exactly what you’re getting out of pet insurance. Let’s break down how the coverage works, what you need to know to get started, and what limitations there are on this type of coverage.
Ah, spring in Colorado! The weather can be beautiful as the flowers start to bloom and the plants turn green once again. However, violent storms, both snow and rain, often roll off the mountains this time of year. As we all know, these storms can create some serious problems over the next month or so. Before the next big storm hits, get ready for the spring with these tips on how to prevent spring hazards like water damage.