Monthly Archives: March 2017

Understanding Premium Costs for Home Insurance in Lakewood

Most Lakewood, CO residents likely don’t get excited when they pay their home insurance premiums, and it’s easy to see why. Without a direct benefit, it may just seem like you’re giving your money away. Understanding more about your purchase can not only calm your blood pressure down when you get the bill but also help you appreciate what the money is going towards. 

Values and Fees 

Colling Insurance Services Inc. has seen the value of home insurance when it comes to taking care of the residents in Lakewood, both regarding finances and regarding mental health. Without home insurance, people are often forced to pay for hotels or put repairs off until the last second. Eventually, the weather or your circumstances will take a nasty turn for the worse, and pretend that it won’t only come back to haunt you. Your policy is based on what’s important to you, and the time to consider what you want to protect is before anything awful happens to it. Your premium is affected by your lifestyle, your possessions and the value of your home. 

Case by Case 

Homes that are filled with your Aunt’s old furniture don’t necessarily need to have full coverage. If you’re prepared to replace that furniture should something go wrong, you can keep your premium costs lower. But it might not be so easy to replace your television or your desktop. There are so many questions like this consider, though. Colling Insurance Services Inc. can help the residents of Lakewood, CO navigate these topics and more. If you’re wondering the best route to take when it comes to your home insurance, call us today for a quote or to find out more about our services. 

 

Your Auto Insurance Might be Lacking, Here’s How to Check

Auto insurance is something that is absolutely necessary not only to protect you but to protect other drivers as well. It is important to make sure that your auto insurance policy has you covered fully before you ever set out to drive. For those in the Lakewood, CO area, the agents with Colling Insurance Services Inc. can help you to find the right coverage each and every time.

The first thing to keep in mind is that if you need to have the right coverage for the car that you are driving, if you have a loan out on the car for instance, you need a full coverage policy. Similarly, the area in which you live might dictate the need for more insurance. If you live in an area where there are a lot of car break ins, where you have to park on the street, or where there is damage done to cars often, you might need more coverage.

Also, you need to keep in mind who is going to be driving that you are going to insure on your policy. Young males require a larger insurance coverage and those under the age of 25 also are going to require more insurance. It is important to also remember that adding things to your car like upgraded stereos, televisions and more can all increase the amount of insurance coverage you need to be fully covered. You may also need to adjust coverage from time to time and a great agent can help you do that easily.

With the right agent you can get the perfect coverage for you every time. For those in the Lakewood, CO area, the agents with Colling Insurance Services Inc. can help you find the policy that fits your needs.