Home insurance for residents living around Lakewood, CO, and surrounding regions is designed to provide financial protection during unexpected disasters. Still, it’s crucial to understand that not every situation is covered. Knowing what your policy excludes before filing a claim can save you from unpleasant surprises during a crisis.

Common Home Insurance Exclusions

While home insurance covers many perils, such as fire, theft, and certain natural disasters, there are common exclusions that homeowners should be aware of. Most standard policies do not cover damage caused by floods or earthquakes. These natural events typically require separate insurance policies, such as flood insurance or earthquake insurance. Additionally, normal wear and tear or neglect that leads to damage is not covered. Insurers will not pay for repairs if a home deteriorates over time due to lack of maintenance.

Another common exclusion is damage caused by certain types of mold, pests, or infestations. Many policies specifically exclude damage caused by termites, bed bugs, and rodents. Homeowners may also be responsible for any damages due to gradual leaks that were not promptly addressed.

The Importance of Reviewing Your Policy

Understanding exclusions in your home insurance policy is essential to avoid denied claims when you need most assistance. Reading through the fine print or discussing your policy with your insurance agent can help you clarify what is and isn’t covered. If your home is at risk for specific events that are excluded, such as flooding or earthquakes, you may need to purchase additional coverage.

Colling Insurance Services Inc. For Better Understanding of Insurance

Colling Insurance Services Inc. offers all of the information you need to get insurance. Our agency serves the locations in and near Lakewood, CO. Contact us today.

Let’s face it, moving can feel like you’re trying to herd cats. With everything going on, letting something like insurance slip through the cracks is easy. But don’t sweat it; that’s where we step in. We’re here to catch those little details so you don’t find yourself stuck in confusion. We know it’s a lot to juggle, especially with home insurance. But that’s exactly what we’re here for. At Colling Insurance Services Inc., we’re all about serving Lakewood, CO, and surrounding areas and making at least one part of your move smoother: sorting out your home insurance.

Timing is key

When you’re shifting from one home to another, the timing of your insurance switch is super important. You want your old place covered until the last second, but you also don’t want to leave your new home hanging without protection. It’s like trying to time a perfect high-five; it’s got to be just right. And we’re here to make sure it is.

Custom Fit for Your New Pad

Every home’s got its quirks. Maybe your new place has some cool features that you’ve never had to think about insuring before. We’re here to tailor your insurance. Making sure it fits your new home like it was made for it. After all, you deserve insurance that’s as unique as your new spot.

Let’s Get Moving

So, if you’re stepping into the moving whirlwind and looking to tick one big thing off your worry list, hit us up today at Colling Insurance Services Inc. Serving Lakewood, CO, and surrounding areas, we are ready to help you transition your home insurance without a hitch. Let’s make your move as smooth as possible together.

When you have a home insurance policy, it gives you several different types of protection. You need all of them to make sure that you’re covered against the major risks that are out there. If you’re buying a home and need home insurance, or you want to change to a new policy, give us a call today at Colling Insurance Services, Inc. in Lakewood, CO. 

House Protection

When you have this insurance, it protects the house from a broad range of risks. These can include events like disasters, accidents, and more. This coverage can pay for the repairs you’ll need after a covered event happens. This coverage can save you thousands of dollars on necessary repairs. Without this coverage, a calamity or disaster could cause so much damage that you aren’t able to fix it all. With home insurance, those bills get paid by the policy. 

Item Protection

Everything inside your home is also covered by your home insurance. Your possessions are all covered in case of a covered event. There are countless things that can cause your belongings to become damaged or destroyed. When you think about what everything in your home would cost if it needed to be replaced, you soon see why this coverage is so necessary. When you have this coverage, you can get replacements instead of being left with nothing. 

Liability Protection

People have accidents in homes, and if someone has one in yours, you could owe big for their medical bills. When you have home insurance, it will pay for these bills as well as other costs that come with an accident on your property. 

Get Your Home Policy

When you have a home insurance policy, you have a lot of protection against risks. To get your policy, call us at Colling Insurance Services, Inc., in Lakewood, CO.

A homeowner’s insurance policy provides coverage for a broad range of risks or perils that can potentially impact your home and its occupants. If you live in the greater Lakewood, CO, the insurance professionals at Colling Insurance Services Inc. are available to help you understand what a homeowner’s policy may cover and what it excludes.

Common Scenarios Typically Not Covered By Standard Homeowners Insurance

These events are typically excluded from a standard homeowners policy:

Flood damage

Most home policies exclude flooding – defined as excess water on land that is typically dry. According to the insurance industry, flooding is not the same as water-related damage (i.e., damage from a leaky roof). To protect against flood damage, homeowners can buy a separate flood insurance policy.

Maintenance-Related Issues

Homeowners insurance is not designed to provide coverage for your home’s routine maintenance or normal wear and tear. Damage from a lack of maintenance/pre-existing conditions will typically be excluded.

Sewer Backups

Damage caused by a sump pump failure/sewer backup may not be covered; however, a rider or endorsement is typically available. 

Intentional Acts

An intentional or illegal act that causes damage is typically not covered.

Earthquakes

A standard policy for homeowners doesn’t typically cover earthquake damage. A separate policy or endorsement may be available for those in an area prone to earthquakes.

Home-Based Business Liability

A home business may need an additional policy (a Business Owners Policy) to protect business-related liabilities.

Acts of War/Nuclear Hazards

Damage resulting from nuclear hazards, acts of war, or will typically be excluded.

Contact a Leading Insurance Company Today

To speak with an insurance professional at Colling Insurance Services Inc. in Lakewood, CO about available homeowners insurance coverage options, contact a staff member at 303-987-3331 or reach out online.

Homeowners insurance is a policy that not only protects your home, the structures on your property and their contents, it can also provide liability protection for accidents that occur on the property or damages to someone else’s property.  Most policies will carry coverage for a broad spectrum of threats such as from fire, weather, theft and damage from falling objects.  While this list of known perils is extensive, you need to understand the realm of what is covered and what isn’t.  For instance, while the policy may cover damage from failing plumbing, it won’t cover flooding from a weather event.  The agents at Colling Insurance Services, Inc. know the Lakewood, CO area well and are able to help you understand the policy’s protections.

While the homeowner’s policy will cover the house, it will also cover other structures on the property such as a garage or toolshed.  The policy also covers your personal belongings such as clothing, furniture, computer equipment, jewelry, etc.  The personal belongings category also includes plants that are damaged on the property with the exception of disease or high winds.  If you have collections of valuables such as firearms, jewelry or artwork, you should discuss this with your agent to ensure that you have enough coverage.  If your home is deemed uninhabitable because of a disaster, the policy will provide you funds for additional living expenses such as hotels and restaurants while your home is being repaired.  Lastly, it should be noted that the policy will provide liability coverage.  This covers medical expenses and legal fees should someone have an accident on the property and decide to sue.

Following a disaster, the right insurance helps you recover quickly.  In the Lakewood, CO area, visit Colling Insurance Services for all of your home insurance needs. 

At Colling Insurance Services Inc. serving the greater Lakewood, CO area, we realize that there is a lot of confusion over filing certain types of homeowners insurance claims. One scenario is when a tree falls from one person’s property onto another person’s property and causes damage, such as hitting their home. The parties may be unsure as to whose homeowners insurance policy the claim should be filed with. 

Unfortunately, though, there is not a one size fits all answer to this question and the answer as to which insurance company the claim should be filed with varies. 

As a general rule of thumb, if the tree fell because of strong wind gusts or floods, the neighbor whose home was damaged would file a claim with their insurance company. Their insurance company covers random acts, such as wind gusts, and is designed to cover these events. On the other hand, if the tree toppled over because it was not properly cared for and maintained, and the tree owner was negligent, the claim should be filed with their homeowner’s insurance company. 

If your home was damaged due to a neighbor’s tree hitting it, you may be unsure as to which company to file a claim with. When in doubt, file a claim with your homeowner’s insurance. if the other party has liability for the damage, your insurance company can go after them or their insurance company to recoup the money. 

Having the right amount of homeowners insurance is key in the event something unexpected like this occurs. Do you have the right amount of coverage? Contact Colling Insurance Services Inc. serving the greater Lakewood, CO area today to discuss your insurance needs with us. 

Deciding to purchase a home can be very exciting but can also be stressful. Before you start searching for the perfect home, you need to make sure that now is the right time to make a purchase in Lakewood, CO. Use this checklist from Colling Insurance Services, Inc. to ensure that you are ready to buy a home right now. 

• Take a look at your debts. You should list out all of your debts as well as how much you have to pay for them every month. Factor this into your budget to ensure that you have enough to cover everything. 
• Make sure you have enough saved. You already know that you will need to save for a down payment on a home but you also need to account for closing costs. On average, this can cost up to 3% of the mortgage amount so you need to make sure you can cover that as well. 
• Get preapproved. Before you start looking at homes, you should get preapproved to see exactly how much you can afford to buy. You do not want to start looking outside of your price range only to find you cannot afford that dream home you found. This can also help because many real estate agents will not even show you a home without showing your preapproval. Take this step so that when you do find the perfect house, you are ready to make the purchase.

Buying a home is a big decision so before you jump in, it is important to ensure you are ready. Once you do buy your home, you will need a great home insurance policy to protect your investment. Reach out to Colling Insurance Services, Inc. serving Lakewood, CO to get some quotes that will work with your new budget. 

For many, the cost of home insurance is enough to make them reconsider holding a policy at all. Though we are not all required to hold home insurance, dropping coverage is a terrible idea. For those in the Lakewood, CO area, the agents with Colling Insurance Services Inc. can help you find a policy that covers your home but that does not break the bank.

For those that have paid for their home in full, there is no legal requirement to hold home insurance. Rather, home insurance is only required if you have a lien, loan, or mortgage out against the value of your home. Even then it is not required by law but rather required by the lender in an effort to protect investments and make sure that no money is lost if the home is destroyed.

So why would you keep home insurance if you are not required to by law? The answer is far simpler than you might imagine. Though not everyone is required by law to carry home insurance, having a policy is going to help protect you from any event that you cannot control. We never know when wiring is going to cause a fire, if a tree is going to fall on our home, or if a wind storm is going to pull your roof all the way off your home. It is for that reason, the element of uncertainty, the keeping a home insurance policy is a good idea no matter what.

It is always a good idea to hold at the very least a basic policy to help you recover if there is a disaster. For those that live in the Lakewood, CO area, the agents with Colling Insurance Services Inc. can help you find the right policy that is going to protect your home no matter what.

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. 

When it comes to keeping your truck on the road for as long as possible, it is paramount that you perform regular maintenance on it. The better you take care of your truck, the longer it will last, meaning the less money and stress you will have to invest toward buying a new truck. Fortunately, there are three simple tips you can follow to help make sure your truck lasts for as long as possible. 

Tip #1: Get the oil changed on schedule

The owner’s manual in the glove box of your truck will have a recommended oil change schedule in it. You need to follow this schedule to the best of your ability. If you can’t find your owner’s manual, you can always call the dealership where you bought the truck and ask for one. Or if you prefer, you can go online and order one and have it sent straight to your home. 

Tip #2: Check the coolant levels

If your truck gets too hot, it can cause the engine to blow up. This is not something you want to happen because it can cost thousands of dollars to replace the engine. Fortunately, you can avoid this by making sure the oil is changed according to schedule and by checking your coolant levels on a regular basis. If the coolant levels are low, make sure you fill them back to their recommended amounts. 

Tip #3: Check the spark plugs

If your truck feels like it is losing power, it could be that the spark plugs need to be changed. If you change the spark plugs and it doesn’t help, the plugs may have coils on them that need to be replaced. 

To learn about properly insuring your truck, call Colling Insurance Services Inc. serving the Lakewood, CO area.