Homeowners Insurance

In the wake of this pandemic, our homes have suddenly become a lot smaller. The kitchen table may be your temporary but “for who knows how long” office. In the living room, your children are attending remote class. It’s easy to see why so many homeowners are considering remodeling their homes during this pandemic. In fact some companies report over a 50% increase in home remodeling projects this year versus last year. So if you’re thinking about adding that pool or new home office, be sure to consider your home remodel and homeowners insurance at the same time. Here are some tips to stay protected.

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Are you currently considering refinancing your mortgage? During these difficult times, more and more homeowners are weighing a refinance for their home loan. Chances are your first loan and first homeowners insurance purchase was aided by a real estate agent. You knew exactly what to do so the bank would be pleased and the keys would end up in your hand. A refinance is a different story. Your real estate agent has moved on to other clients, and you’re left to figure out this process on your own. To further complicate things, your existing homeowners policy you set up needs attention during a refi as well. Let’s take a closer look at homeowners insurance and your refinance to navigate this process smoothly.

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Recently we went Hunting For Auto Insurance Discounts, and today we’re going to follow that up with an examination of top homeowners insurance discounts. For many people, homeowners premiums represent a significant investment each year, and anything we can do to lower that rate is well worth looking into. Of course there are some similarities to popular auto insurance discounts on this list. However, there are also some unique deals that only work for homeowners. Let’s get right into the top homeowners insurance discounts for Colorado residents.

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We often take our utilities for granted until they stop working. Internet service disruptions annoy the whole family. Power outages make us feel nervous. Water disruptions induce a serious panic if they go on for too long. Naturally, we expect utility companies to handle an outage. However, there are times when you may have to fix the utility lines yourself. Now there is a new insurance product that will protect you from this stressful and expensive possibility. It’s called Colorado buried utility line coverage. Let’s investigate why no homeowner should go without it.

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Cue the ominous music. Tax season is almost here. While you can’t officially file your taxes with the IRS until January 27th, plenty of people are already getting their documents in order for tax season. Part of the challenge of each tax season is determining what you can write off and what you can’t. While we’re no substitute for advice from your financial planner or accountant, we do have one tip for the upcoming tax season to share with you. There are some circumstances where you can deduct homeowners insurance on your taxes. Let’s dig a little deeper into which circumstances and the questions you’ll want to ask your accountant for both this year and years to come.

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Another Thanksgiving holiday is here, but before you open that nice bottle of wine, let’s talk some safety. It’s certainly not the most exciting topic, but it’s one you’ll want to give some thought to this season. Kitchen and house fires skyrocket the day of Thanksgiving all over the country, and if you want to avoid an expensive claim, you should be practicing kitchen safety this Thanksgiving. In fact, the National Fire Protection Association notes that Thanksgiving is the peak day for cooking fires. This goes for cooking both indoors and outside. This time of the year always presents a stern reminder that cooking with a turkey fryer can be a dangerous venture. So let’s keep our friends and family safe around the dinner table and out of the emergency room with these safety tips for the season.

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We all know homeowners insurance is a big part of your insurance portfolio, be it your first home or your retirement home. Homeowners insurance protects potentially your biggest investment, and getting your coverage right can save you should the worst happen. On the other hand, getting your insurance coverage wrong can cost you – and we’re talking big time. The best way to protect yourself now and years to come is to identify your homeowners coverage gaps. Doing so before you actually need to file a claim is the only way to ensure you’re covered from the worst. Let’s learn more about homeowners coverage gaps and how to close the ones most important to you.

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So far this year in Colorado we’ve been generally lucky when it comes to the big spring hail storms we all fear. A few areas have been hit to be sure, but not with the devastation of previous years. Even so, we’re not out of the woods yet, and fingers crossed the big one isn’t around the corner. Even in the summer, Colorado can create some pretty nasty weather. When it comes to Colorado storms and homeowners insurance, there are several things you should know before the next storm ever hits. Let’s take a look at how to protect yourself and what to do if bad weather strikes in your area this year.

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Let’s say you’re new to Denver or the surrounding area. You finally find an affordable home in an area you like after an exhaustive search. Your next order of business – find the best home insurance for your new property. The search for home insurance can feel like it is just as difficult your recent foray into the real estate market. After all a quick web search usually uncovers hundreds of listings, all promising to find you the best price and best coverage options. So what do you do, pick the first option that sounds good and go with it? Of course not! Here are some tips to help you find the best home insurance for your individual needs.

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Your dwelling needs can change from year to year. Depending on your job, family, location, and more, your housing needs, and the insurance that accompanies it, can change, sometimes unexpectedly. Aside from the initial upheaval of moving and adjusting to new surroundings, you’ll need to adjust your homeowners insurance as well. In some cases, you may need to change to renters insurance, or even add condo insurance. Let’s take a closer look at upsizing or downsizing your insurance and how your homeowners needs change.

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