Author Archives: AgentInsure

Will my home insurance cover my Frame house from losses caused by termites in Lakewood, Colorado?

If you have a frame house in Lakewood, Colorado, you’ll want to make sure it’s insured properly. Then you don’t have as many worries over losses caused by all kinds of problems that could occur. To cover your home the right way, you need to talk to an independent agent and get the proper insurance policy for your needs. That’s where we come in. Because we work with multiple companies, we can get you the best deal and find the policy that’s right for you.

One of the things you want to make sure your policy covers is termites. Especially with frame homes, termite damage can be a serious issue. Other wood destroying insects can also be a problem, so you’ll want to ask specifically about the types of insects and organisms you’re protected against, and under what circumstances. An independent agent like us can look for the differences between policies, so you’ll be able to choose the right one and make a knowledgeable decision.

Asking questions about the policies you’re considering provides you with a better understanding than you’d get if you purchased online without the benefit of an agent. While it’s easy to buy a policy on your own, you may find that you’ve gotten something that’s not right for you. The time to find that out isn’t when you’re trying to make a claim and being told that you’re not covered. Insurance is far too important to risk getting something that won’t fully protect your frame house from losses based on termites and other wood destroying creatures.

Is it mandatory to get an auto insurance in Lakewood, Colorado as soon as you purchase a car?

One question that has many customers searching for answers is: “Is it mandatory in Lakewood, Colorado, to get an auto insurance as soon as you purchase a car?” As an independent agent with an agency, this is something heard on a regular basis. Unfortunately, this is not a question that has a hard, fast answer.

Colorado law states that every person who registers a car must purchase and maintain insurance coverage on that car. The key word in this statement is registers. That means if you purchase an older car with the intent to work on it and maybe fix it up over a few years’ time, you may not need to purchase insurance right away.

However, it is important to remember that if you need to take that car on the road for any reason, you will need to insure it. Therefore, even if you have a classic car that you only drive to car shows, you will need to look into the insurance requirements for that as well.

Luckily, there are many affordable insurance options out there. Working with an independent agent can save you money. Our agency, for instance, will go the extra mile to research and compare rates so that you never pay more than you need to for the coverage you need. Whether you purchase basic liability insurance of full coverage, we have exactly what you need.

Remember, every insurance situation is a little bit different. If you are in or around Lakewood, Colorado, give us a call or contact us and let one of our agents work with you to determine your insurance needs.

Will my auto insurance in Lakewood, Colorado cover safety of co-passengers who are not insured on the policy?

If you’re driving an insured car and a passenger is injured, that passenger will generally be covered under your auto insurance policy. That person can also make a claim on his or her vehicle insurance policy, instead of yours. If you’re all co-passengers, you’ll need to focus on whether you’re covered under your own policy or under the policy of the driver. A co-passenger generally won’t be covered under another passenger’s policy, unless they have the same policy (such as a husband and wife or a parent and child).

Working with an independent agent like us, you can make sure you cover your car properly, and that you take into account the safety of anyone who will be riding in it. Lakewood, Colorado is a great place to live and a pretty safe place to drive, but there are always risks involved when you’re driving a car or riding in one. You want to know what your rights and liabilities are as the driver, but that’s also important when you’re a passenger. You should understand your own coverage and know when it applies, so you have knowledge of whether you’re protected as a co-passenger in another vehicle.

If you don’t work with an independent agent like us, you may not get proper protection for you and your family. It’s easy and convenient to buy insurance online without talking to anyone, but it’s hard to be sure what you’re actually getting when you do that. Come in and sit down with us, so we can provide you with some coverage options you can choose from. Then you’ll take peace of mind with you wherever you travel.

Is there a speed restriction for watercraft insurance in Lakewood, Colorado?

If you live in Lakewood, Colorado and enjoy going out on the waterways with your watercraft, make sure that you have the correct insurance first. Call your independent agent for all the particulars of good policy coverage on your watercraft for you, your guests, and others on the water in Lakewood.

You must practice good common sense and safety when in your boat and know the laws of the waterways. You must know that the first thing in practicing safety is using common sense, and making the right decisions for you and those you share the waterways. Your independent agent can help you with the right boat insurance policy.

Colorado law does not mention any set speed for your boat. What the law does say is, the boater should not operate their watercraft at a speed that is not sensible. You must keep boat speeds at a sensible speed and in line with the weather conditions at the time you are on the waterways. When your boat cannot create a wake on the water you are in a no wake zone, and the law says that your boat speed cannot be over 5 mile per hour.

According to Colorado law for water speed, your common sense would denote how fast you should (safely) run your boat. Remember to keep you, your guests and others on the water safe at all cost. Your boat insurance company is monitoring your boat safety and common sense. No accidents and claims for damages that are your fault will help to set the stage for a great insurance policy rate.

As your independent agent in Lakewood, we can help you structure a watercraft policy that will fit your needs. Contact us to speak with an independent agent today. It is important that you give us a call so that we can give you specific details for your circumstances. Remember, do not operate your boat without insurance.

When I buy umbrella insurance in Lakewood, CO, does it cover past liabilities?

Picture this scenario happening; you have no insurance, and are in an accident in Lakewood, Colorado, on the first. You are found guilty of a serious accident. The next day on the second you purchase and sign a policy that gives you the coverage you will need in this situation. Anticipating that the injured party will sue you for more coverage than you have, you call an independent agent and tell him/her you want to add on an umbrella coverage.

You feel quite confident you have now covered yourself well with a high enough amount , when it is determined that you may have thousands of dollars to pay.

Guess what, you are not covered for anything and you are on your own. You must make financial amends out of your own pocket for all liabilities. Call your independent agent in Lakewood, Colorado, and speak with an agent. An auto policy is only meant to pay for future accidents one day after you sign your application. Your insurance company is not going to pay for any damages before the second when you signed for your coverage.

Never, ever will a company pay out for any liabilities before the coverage was signed. There is no company on the face of the earth that pays out before the effective coverage date. In this case and many others like it you must pay out of pocket if you have no coverage and are found guilty in an vehicle accident. You could lose all of your assets including your home and car if a serious accident happens before you are covered.

There is one exception to this rule that pertains to a life insurance policy. If you purchase this kind of coverage and sign a dated application, you can make your first payment, and in some circumstance you are covered at once.

Do not wait unit it is too late. We can help you, contact us to speak with an independent agent in Colorado, about an umbrella converge today. We can give you specific details for our circumstances.

In Lakewood, Colorado, can I get a discount for taking a motorcycle safety class?

Motorcycle safety classes work much the same as automobile safety classes . If you enroll in a motorcycle safety class in Lakewood, Colorado and pass the class and test , you may get a nice discount on your insurance policy .

However , there are no discounts available through the safety course for your motorcycle policy . When you take a motorcycle safety class , and you have proven that your goal is safety when on the road your company will have some discounts on your insurance policy for you .

Contact your independent agent when you have completed your motorcycle safety class and passed your test . Show proof to your independent agent and you can get a discount from your insurance company .

Even if , you think you are the best and safest motorcycle driver on the road , there is always room for improvement . Everyone can improve on driving skills and always learn something new .

Motorcycle skills , like automobile skills , can deteriorate after several years . It is a wise idea for you to sharpen up your road skills and your states road laws , at least every year . You can take this motorcycle safety course as often as you would like .

Colorado has a program called ABATE that is available for motorcycle riders . ABATE offers you the following;

·Freedom on the road

·Promote fair legislation safety

·Rider education

·Successful Communication system for cyclists

Motorcycle riders are some of the safest drivers on the road , but as with most things , you must proof how safe you really can be. Once you have taken the safe driving course , the rider must prove how safe they really are. Taking the safe driving course is the first step . Driving citation free for at least one to three years is another big step towards better insurance rates .

We can help you . If you live in Lakewood, Colorado contact us and speak with an independent agent today . It is important that you call us so that we can give you specific details for your circumstances .

Do commercial insurance policies for an apartment usually cover mold in Lakewood, Colorado?

Mold is a naturally occurring organism that can pollute the environment and cause illness. Lately mold has received heightened attention for its potential toxicity and can pose a serious liability problem for landlords and property owners. For this reason, it is important to understand where your home insurance policy stands when you are seeking commercial coverage for your Lakewood, Colorado apartment.

The Dangers of Mold

While there are over 100,000 different types of mold, only a handful are dangerous to humans. However, even non-toxic mold can cause health problems because humans vary in their response to mold. Those who have been exposed to toxic mold may experience a wide range of medical conditions, including skin problems, fatigue, and respiratory ailments.

Is Mold Covered By Commercial Insurance?

Typically, the answer is no. Because mold flourishes in moisture, burst pipes and unkempt bathrooms serve as conduits for mold spores. Usually, the tenant can prevent mold by diligently cleaning areas that are prone to moisture or by taking care of leaking pipes immediately. Thus, mold is considered to be a maintenance issue and is excluded from coverage by most insurance companies.

How an Independent Agent Can Help

Though mold is treated as a maintenance issue, mold can often spread through construction practices that introduce moisture to the foundation or building materials. Occasionally, coverage may be provided for structural damage where you can verify that the mold was not caused by negligence on behalf of the tenant or the property owner.

An independent agent can help you determine whether your home insurance policy will provide coverage for mold and what your options are if you find toxic mold on your property. Contact us today to tackle this important issue and find the best home insurance policies for covering mold damage on your property.

If My Home in Lakewood, CO is Damaged, will my Home Insurance Cover the Cost of Temporary Living Arrangements?

When your home in the Lakewood, Colorado area is damaged and is not longer habitable, then you may find that it is necessary to move to a temporary housing solution. The problem that you may worry about is whether you will be able to pay for those costs or if you have solutions to help pay for some of the expenses.

The Simple Answer

The easy answer is that many home insurance policies will provide some provisions to help pay for temporary arrangements if your home is uninhabitable. The key is that the damaged house must be determined unsafe for human habitation or for your family before you are able to make the most of the policy.

Although the insurance should provide some funds to keep you and your family for a short period of time, the amount of funds that you can expect and the method of providing those funds will vary.

Specific Details

Although most home insurance companies and policies will provide you with some funds for a hotel or rental space until your home is repaired, each policy will have different guidelines and specific requirements that you must look over to determine whether your home insurance policy applies to the situation.

Specific details, such as discovering that the damage was caused by poor maintenance, can mean that your home insurance company does not provide coverage for living costs when your house is being repaired. The situation can dictate the amount of funds or the options that you have available.

While your home insurance policy will have different guidelines and specific details, most situations will allow you to get a reimbursement or some funds for short-term hotel expenses or similar costs. For help finding the right home insurance policy for your needs, contact us to speak with an independent agent.

Do Red Cars Cost More to Insure in Lakewood, Colorado?

When you are looking for a new vehicle in Lakewood, Colorado, it is likely that you will consider the cost of an auto insurance policy before you make any decision about the best choice for your needs. Among the myths that you might hear or assume is that a red car is more expensive to insure than any other color.

Idea Behind the Myth

The idea behind the myth is that a red vehicle is an insight into the driver’s personality. The color is often associated with riskier drivers because the individual selected a bold color.

Although the bold color can have some impact on psychological evaluation, it is not a sure sign that an individual is a reckless driver. In many cases, the color of the vehicle is primarily related to the individual’s preference for colors and does not have any impact on driving skills.

The Reality

Although the myth assumes that the color means you are reckless, the facts do not back up that idea. The color of your car does not impact the price of your car insurance policy. The key factors that impact the cost of your auto insurance relate to your driving history, your credit history, your current age and the actual vehicle you are driving.

The model of the vehicle is more important because some cars have expensive replacement parts or repair costs. Those factors are more important than the color of the car.

Finding the right autoinsurance policy means that you must compare different options to find the best deal for your needs. Although rumors suggest that color plays a role in the cost, it is not actually a factor in the price of your coverage. If you want to learn more about what impacts your coverage costs, contact us today to talk to an independent agent.

How will my Colorado auto insurance help if my vehicle is totaled?

If you have ever been in a car accident and ended up totaling the vehicle, then you know how frightening it can be. In order to understand the process of how your auto policy works when vehicle is totaled, you must first have a basic understanding of your policy. Here are some things to know about how your auto insurance policy works when your vehicle is totaled in Lakewood, Colorado.

Your Auto Policy and Your Totaled Vehicle

  • Make sure you know what your auto policy states in regards to a totaled vehicle.
  • Check to see if you have gap insurance on your vehicle. If you have a loan and the value of the car is lower than the amount of the loan, you will be responsible for the difference in the payout unless you have gap coverage.
  • The auto insurance company may need pictures of the car. So be sure to take a few once the police are done reviewing the accident.
  • The insurance company will pay out money in the value of what the car is worth. If you have added any special items to the car, make sure to document the changes and inform your car insurance company before the accident happens.
  • Once the auto insurance company has paid for the damages the car will belong to them. Make sure to notify where the car has been towed so the company can locate the vehicle when it is time to dispose of the car.

If you have any questions about your auto insurance policy in the Lakewood, Colorado area, then contact us to speak with an independent agent today. It’s important that you give us a call so that we can give you specific details for your circumstances so we can help get the coverage that you need to get back on the road. We are here to help you with all of your insurance needs.