Coverage like homeowners insurance exists for a reason – to protect you in the event of a loss or damage to your home. The same goes for auto insurance and your car. But what if we told you there were times after an accident where you shouldn’t use your insurance at all? That’s right, sometimes it is better to not file a claim. (This of course assumes you are not liable for an accident, which in that case you are required by law to report it). The question of to claim or not to claim is one that varies with each and every situation. The choice of filing a claim or not also depends on the type of insurance. Let’s take a closer look at the classic question – to claim or not to claim.
With another year come and gone, many insurance customers make the mistake of letting their policies renew without reviewing them. Worse yet, some customers don’t add the extra coverage they truly need as the year starts. Luckily the new year represents a chance to start again with your insurance coverage. Even if your coverage doesn’t end or renew until the middle of the year, now is the time to plan ahead. The thing is insurance needs are fluid and can change throughout the course of a year, if not sooner. So now that the calendar has turned over, let’s run down a checklist of a typical new year’s insurance review.
Colorado is a great place to spend the holidays. While there’s always a chance of snow both in cities like Denver and the mountains, there are plenty of holiday festivities to be had regardless of the weather. Here at Square State Insurance, we’ve celebrated holidays in Colorado the past few years by listing out some of the great activities you can enjoy throughout the state. From a day on the slopes to always popular activities like the Denver Zoo Lights, there’s something for everyone as the calendar gets closer to December 25th and New Years. Let’s see what Colorado holiday events are planned for the 2018 season.
The holiday season is a time to celebrate, but did you also know it is the time of the year when the most insurance claims are filed? That’s right, whether you’re headed away from home or hosting, potential claims lurk around every corner. From numerous turkey fryer claims to accidents around the home, it pays to prepare for the worst when the holidays hit. Let’s look at four common claims and what you can do to keep your family and your home safe from Thanksgiving to the New Year.
This weekend we all turn the clocks back an hour and thankfully receive an extra hour of sleep. While we could all probably use another hour to catch up on sleep, there are several more important reasons why the US has adopted daylight savings time (DST). The story of daylight savings time is one with players like a famous founding father, a devoted golfer and the great war. Let’s learn more about why we even mess with our clocks in the first place, and of course don’t forget to turn those clocks back this Sunday!
Every winter, the holiday season prompts homeowners around the country to set out decorations. While Christmas lights and similar items are the most popular decorations you’ll see in your neighborhood, a close second is that of Halloween decorations. From ghostly white sheets hanging from trees to the ever-popular jack-o-lantern displays, there are a lot of options out there that help your house stand out from other displays on the block. While Halloween is a season filled with tricks and scares, one scare that you should never have to contend with is a homeowners insurance claim on Halloween. Before the popular holiday hits, let’s look at how to avoid claims on Halloween.
With another tragic limo crash making headlines, we thought it would be helpful to examine why not wearing a seatbelt in the back seat can be dangerous. Adults are accustomed to wearing seatbelts in the front seat, be it for fear of a ticket or hopefully to stay safe while driving. However, the backseat can be a different matter altogether. Many adults and even children shirk the idea of wearing a seatbelt while riding in the back, but in reality it is just as important as wearing one in the front. The idea that the back seat is less dangerous than the front seat is simply false. Let’s dispel the myths as to why some people don’t feel it’s necessary to wear a seatbelt in the back seat of a car, bus or limo.
When first shopping for insurance, everyone has to start somewhere. While your first time buying insurance may not seem very exciting, this is actually a cause for celebration. After all, you’re established enough to pay for your own insurance, and you have property like your car, home or apartment and more to cover. While it may seem tempting to just buy a quick internet policy for the least amount of money possible, you’re much better off doing your research before buying that first policy. We’ve put together several tips for first timers who are just getting started in the insurance world.
If you’re a Colorado resident, hail damage has absolutely impacted you in the past couple years. Wait, you say you were lucky enough to avoid any damage or insurance claims as violent hail storms have hit the state? Unfortunately they have still impacted you, at least your auto and homeowners insurance rates. If you’re a Colorado resident, there is no denying that you have to grapple with the risk of hail storms every spring. We also have to come to grips with the fact that the costs of each hail season are soaring. Most estimates place damages around 10 billion each year for the last decade. Let’s dig deeper into why hail damage costs continue to rise and what homeowners can do about it.
Now that school is back in session after the summer, many new teenage drivers will be getting their licenses this fall. This also means that teens will face challenges while driving like changing weather conditions, school traffic and more. Even if teens aren’t brand new to driving, they still face many dangers as they gain experience behind the wheel. Fact is – auto accidents are the leading cause of death for US teens. Whether you’re just shopping auto insurance coverage for the new driver in your family or you have a teen driver still learning the ropes, you absolutely need to know these statistics. Let’s take a closer look at teen driver statistics and what they mean for safer teen driving, especially if you are a parent.