Tag Archives: Colling Insurance Services

3 Reasons to Purchase Home Insurance Today

Purchasing a home insurance policy is a large undertaking and something that certainly should not be taken lightly. For those who may be in the process of purchasing a home, taking some time to research home insurance companies today can save you tons of time and trouble later. That said, the following is a closer look at three reasons residents of Lakewood, CO should purchase home insurance today. 

Mandatory

As aforementioned, purchasing a home insurance policy is essentially mandatory in most states. Rather than waiting until your mortgage company demands to see proof of insurance before purchasing a policy, purchase the policy beforehand and save yourself some much-need time. 

Theft/Burglary Protection

In addition to that, purchasing a policy also protects your home against theft and burglary related damages. For instance, if a burglar breaks into your home, causes damage to the door or other areas of your home in the process, as well as breaks and/or steals some of your belongings, you can potentially be paid for everything that was damaged from the time the burglar step onto your premises. 

Peace of Mind

Lastly, one of the top benefits of purchasing a high-quality home insurance policy is the peace of mind that comes along with knowing your home is protected. With the ability to protect your home against natural disasters, burglaries, thefts, and much more, purchasing a home insurance policy is the best way to protect your home for the long haul. 

Let Colling Insurance Services Inc. assist you! A premier company in Lakewood, CO, Colling Insurance Services Inc. has everything you need to protect your home from today forward. Contact us today and find out how to start your policy and save! 

Colling Insurance Services.: Auto Insurance

Most Ameircan’s own a car. We need it to take our kids to preschool, run errands, and go to work. Cars can cause stress. They’re expensive, they break down, and they can’t always be relied on when you need them most. Automobiles cause anxiety, but automobile insurance doesn’t have to. If you live near Lakewood, CO, visit Colling Insurance Services, Inc. for a fair, affordable quote. 

Automobile insurance is critical if we find ourselves in accident, whether or not we’re to blame. We need policies to payout damages we couldn’t otherwise afford. But, why else do we need insurance? Sure, some situations are obvious. You want to make sure you’re car is protected from the crazy drivers on the interstate. You want to be able to fix your bumper when that distracted driver smashes into your bumper. You also need insurance for less expected disasters, like hail storms, tornadoes, floods, and fires. 

So, if you didn’t know already, now hopefully it’s clear that auto insurance is important. This leads us to another question: why should I work with Colling Insurance Services? When you’re in the market for car insurance, you can’t trust any company. Colling is a reliable, trustworthy provider. Serving the Denver and Lakewood, CO area, Colling prides itself on its customer service, attention to detail, and their adherence to their clients’ budget concerns. Call Colling today and see for yourself. Our staff will work with you from day one to find the appropriate coverage for you, your family, and your vehicle. Don’t hestitate. Call Colling Insurance Services and see why more and more people choose them over the competition. 

 

3 Things You Can Do To Lower Your Insurance Rates In Lakewood

Some people just wind up paying more for insurance than others. It’s unfortunate, it’s not always fair, but that’s how it works. Teenagers are seen as a higher risk than a driver in their thirties, and someone with a poor credit score is likely to pay more for coverage than people with solid credit. To a certain extent, an insurance company will evaluate you as an individual however they can, but ultimately they have to rely on broad statistics in order to calculate the risk that they are taking in covering you. Fortunately, there are a few things that you can do to score yourself a lower rate no matter who you are and what demographics you fall into:

Ask About Discounts

The providers you will find through Colling Insurance Services Inc. will offer different discounts to different people for different things. When buying an insurance policy, it can be worth it to take a little time to call or email a possible provider and see if they have any discounts that sound right up your alley.

Pay Off Some Old Debts

Get your hands on your credit report and find out if there are any outstanding debts that you need to take care of. It might be easier than you think to patch your credit up for a better rate.

Consider Your Car’s Value

As a general rule, you don’t want to buy comprehensive coverage on a car that is worth less than ten times your premium. Check up on your car’s value on Kelley’s Blue Book, or get it valued through an auto dealer.

These tips should help you get the best deal you can get in Lakewood CO.

 

An Electric Transformer Explodes on the Utility Pole Near Your House – What happens next?

When an electric transformer overheats it can explode. This is a terrifying thing when it happens because it sounds like a bomb went off. The power of these explosions can break the windows of the nearby homes and even sometimes the glass of the vehicles parked close by.

This event can also send excessive electrical energy to the nearby homes that may destroy electronic equipment plus any other things plugged into an electrical outlet and cause an electrical fire in the home. Sometimes a fire runs down the wire from the power pole to the house and this causes a fire.

Because of the electrical equipment malfunction, your house is set on fire.
Who is responsible? Sometimes there is shared liability for the damages. Perhaps the transformer exploded due to a manufacturing defect and the manufacturer is responsible. Perhaps the electrical power company is responsible. Liability might be partially shared by both companies.

On the other hand, the severe weather we sometimes have in Lakewood, CO, especially during winter, may be what caused the transformer to explode. Even something as strange as Space Weather can cause this. It is possible for a Coronal Mass Ejection, which is a powerful blast of energy that comes from the Sun, to cause damage to electrical transformers on Earth. While these events are rare there is serious concern about them. 

The specific circumstances of such an accident are always different. This is why, after you call 911 to report the emergency, the next call should be to your agent at Colling Insurance Services Inc. so that they can give you advice about what to do if this happened.

It is always a good idea, at least once per year, to consult with your agent at Colling Insurance Services Inc. in Lakewood, CO to make sure you have adequate insurance coverage.