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.
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.
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.
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.
Short-term vacation rentals are more popular than ever, and you don’t have to own property in the Bahamas for it to make sense. Sites like Airbnb make it easy to rent your property to guests all over the globe. The best part is short-term vacation rentals can help supplement your income. Whether you travel part of the year, own a seasonal property, or simply live on the property and rent an adjacent structure, short-term vacation rentals are a viable option for many owners. However, there is a problem. Many who rent short-term don’t even think about vacation rental insurance. If you think Airbnb’s Host Guarantee Insurance is all you need, you’re in for a surprise.
It is about this time of year that freezing temperatures and Colorado snowstorms force you indoors more often than you would like. While it’s tempting to just relax, turn on the TV and get nothing done, there are plenty of indoor projects you can tackle to improve the value of your home and save energy while the weather is cold. Here are our top indoor winter home projects to consider before the spring arrives.
Well you’ve sent out the invitations and it looks like most people have RSVP’d to your New Years party. What do you do now? Is your home ready for a party? Can you ensure all your guests are going to have a safe and enjoyable time? Well worry not, we’re here to help you through the party planning process. Your party is sure to be one of the best in recent memory with these tips on planning a safe and successful new years party.
This holiday season it is likely your home will be full of family, friends and even a few pets. Although everyone will be focused on having fun and celebrating the season, there are plenty of accidents that can happen around the home if you’re not careful. Each year the emergency room can be a popular place around Christmas time, but if you’re prepared, none of your guests will have to visit this unwanted destination. Here are some of the most common holiday hazards to be aware of this year.