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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.

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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.

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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.

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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.

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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!

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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.

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