Residents living in Lakewood, CO might wonder, "Why do I need dental insurance if my teeth are fine?" The answer is simple: dental insurance can help you save money in the long run and provide preventative care that keeps your teeth and gums healthy. Colling Insurance Services Inc. explains why dental insurance can benefit everyone – even when their teeth are in fine shape. 

Preventative Care for Your Teeth and Gums 

Regular visits to the dentist are essential for maintaining good oral health. Dental insurance plans cover preventive services like cleanings, check-ups, x-rays, fluoride treatments, sealants, and more. Preventative care is essential for catching potential issues before they become more severe and expensive! 

Affordable Dental Treatment 

Dental procedures can be costly without insurance coverage. With dental insurance coverage, you’ll have coverage for some of the most common dental procedures, such as fillings, crowns, bridges, root canals, extractions, dentures, and others. You may not need any of these now, but you might in the future. It is tempting to put off dental problems without dental insurance because of the expense. Access to these affordable treatments can help keep your mouth healthy and help you save money in the long run. 

Dental care is integral to overall health but often gets overlooked until an issue needs addressing. Investing in dental insurance from Colling Insurance Services Inc. makes getting regular check-ups and preventive care easier so that your teeth stay healthy for years. Plus, it also gives you coverage for dental treatments should any issues arise. So don’t wait— if you are near Lakewood, CO, contact us to enroll in dental insurance today!

It’s no secret that smoking is bad for your health and can cause several serious diseases. But what about getting health insurance? Can you still get coverage in Lakewood, CO if you smoke? The answer is yes, but the premiums may be higher due to the increased risk associated with smoking. Colling Insurance Services Inc. breaks down what options are available. 

Health Insurance Providers and Smoking Habits 

Most health insurance providers consider an applicant’s smoking habits when calculating premiums. This means that, depending on the provider, smokers may pay anywhere from 10% to 50% more than nonsmokers in monthly premiums. Most providers also impose age restrictions on smokers—for example, some plans will not cover those over 50 who smoke.  

That being said, many options are still available to smokers looking for coverage. Depending on where you live and the type of plan you choose, you may be able to find a plan that does not increase your premium due to your smoking habits. The Affordable Care Act (ACA) also prohibits discrimination based on pre-existing conditions like smoking or other lifestyle choices such as alcohol or drug use, so it’s important to remember this when shopping for coverage. 

In addition to lower premiums, quitting smoking has many other benefits, such as improved breathing, cardiovascular function, and overall health. Quitting can also help reduce stress levels, improving mental clarity and focus. If you have been considering quitting smoking but haven’t taken the plunge yet, now is a great time! Most insurance companies will allow smokers who quit within the last year to apply for lower rates without any additional paperwork or proof of quitting required.                       

If you live in Lakewood, CO, and need help finding an affordable healthcare plan that meets your needs, contact Colling Insurance Services Inc today for more information about your options!

Toy insurance is a type of protection you secure for recreational vehicles such as golf carts, jet skis, four-wheelers, and more. Owners need protection from liability, accidents, and other covered events to provide them with financial security. Our team of experts at Colling Insurance Services Inc. is proud to provide policies for the residents of Lakewood, CO.

Toy Insurance Protection

Recreational vehicles are an investment that needs to be protected just like any other asset. It’s also worth noting that toy insurance also offers liability protection. Just like you would secure insurance for a car, you also need insurance for a vehicle or method of transportation. 

Suppose you want to learn how much toy insurance coverage is necessary for your situation. In that case, you can sit down with one of our knowledgeable insurance agents, who can provide an overview of your options. Our team is committed to providing exceptional customer service before, during, and after the policy purchase. We can assist you with submitting the necessary documentation if there are any changes or claims. In addition, we can also provide you with insurance protection for any other insurable assets you own.

Call Us Today 

We look forward to providing you with the insurance protection you trust. Individuals living in the Lakewood, CO, area can call or stop by the office of Colling Insurance Services Inc. to speak to one of our knowledgeable agents. We can help you find a policy that matches your needs,  so schedule a consultation to learn more about toy insurance and the items it covers. Don’t wait to get the protection you need to protect your assets. Get top-quality insurance coverage that’s reliable and gives you peace of mind.

When you are considering buying RV insurance, there are a few things you need to keep in mind. The first is that not all policies are the same. You must ensure that you get the right coverage for your needs. At Colling Insurance Services, Inc., we can help you find the right RV insurance policy for your needs. Here are a few things we recommend you consider when shopping for RV insurance:

Compare Total Loss Replacement Vs. Actual Cash Value

Replacement Cost Value (RCV) is the amount needed to replace your RV with one of a similar kind and quality at the current market price. Actual Cash Value (ACV) accounts for depreciation and is generally less than RCV. It’s crucial that you understand the difference to make an informed decision about which type of coverage is right for you.

Get a Quote for Full-Timer Coverage

If you plan on living in your RV full-time, you will need a quote for full-time coverage. This type of coverage differs from standard RV insurance and will cover things like your personal belongings, liability, and medical payments.

Ask About Discounts

A number of discounts available can help you save money on your RV insurance premium. Some of the discounts that may be available to you include:

• Multi-policy discount: If you have more than one policy with the same company, you may be eligible for a discount.
• Good driver discount: If you have a clean driving record in Lakewood, CO, you may be eligible for a discount.

Make Sure You Have Enough Liability Coverage

Liability coverage is important because it protects you if you are found at fault in an accident. The liability coverage you need will depend on several factors, including the value of your RV and assets.

Conclusion

When you are shopping for RV insurance, be sure to keep these things in mind. If you have any questions, our Colling Insurance Services, Inc. team is here to help. We can work with you to find the right RV insurance policy for your needs and budget. Give us a call today or visit us in Lakewood, CO.

Boat insurance is not required in Colorado; however, this doesn’t mean that your finance lender will not require insurance or that you should skip having coverage. Generally speaking, if you financed the purchase of your boat, the lender will require that you carry boat insurance coverage till the vessel is paid off because this ensures that their investment in you is protected should an accident happen. In addition, storing your boat at a marina may result in the insurance being a requirement in your storage agreement. Regardless of whether or not it is required, boat insurance is a must. Interest in boating is exploding with accidents on the rise and boats are not an inexpensive investment. 

Factors that influence the annual premium can include the type of boat, the boat’s length if it is being used in a commercial capacity, where the boat is being stored, and the amount of coverage you purchase. Boat insurance policies can vary from one provider to the next, but typically coverage will include liability insurance that pays the costs associated with an at fault boating accident, comprehensive insurance for non-collision related damage, equipment insurance for things like fishing gear, GPS devices and towables, uninsured boater insurance to help pay for damages or medical expenses if another vessel hits your boat and doesn’t carry insurance. 

Having a boat insurance policy can save you substantial money if there’s an accident and having a professional like the team at Colling Insurance Services Inc in Lakewood, CO by your side will help you find the best coverage possible. Give Colling Insurance Services Inc a call or stop by our conveniently located office in Lakewood, CO to learn more about our boat insurance offerings. 

Similar to a real umbrella, umbrella insurance can protect you from a variety of things. This type of personal insurance offers additional liability coverage when you need it most, such as from extensive claims and lawsuits. Serving Lakewood, CO, Colling Insurance Services Inc. wants to share how an umbrella insurance policy can help you.

What Does a Personal Umbrella Insurance Policy Cover Typically?

Generally speaking, umbrella insurance is designed to protect you from a variety of events that may lead to significant financial loss. For instance, if your home is paid in full and you own a second property that you want to protect, a personal umbrella policy may help extend your insurance protection.

Umbrella Insurance and Your Auto Insurance

If you are ever worried about your auto insurance policy not being enough to cover damages that are sustained in an accident, or if you are ever sued after causing an auto accident, an umbrella policy may be something to consider.

Umbrella Insurance and Your Homeowner’s Insurance

If someone slips and falls on the swimming pool deck and suffers a very serious injury, they may decide to sue you for the medical expenses, pain and suffering, etc. In the event your homeowner’s policy fails to cover all of the expenses, you are left paying for those expenses out of your own pocket.

The good news is that an umbrella insurance policy can help cover those costs.

How Exactly Umbrella Insurance Works

Ultimately, umbrella insurance will step in when your homeowner’s or auto insurance limits have been reached, providing you with additional protection to take care of the unexpected that has come up.

If you would like to learn more about umbrella insurance and how it may relate to situations more specific to you, contact Colling Insurance Services, Inc. Serving Lakewood, CO, our team can discuss umbrella insurance options with you, work with you to customize your coverage so it fits your individual needs, and ensure your personal assets are safeguarded moving forward.  

Long-term care is an inevitable part of most people’s lives, and you should be aware of the options and choices you have when it comes to long-term care insurance in Lakewood, CO. 

Colling Insurance Services Inc. understands the hesitation some people have with investing in long-term care insurance, and we can answer any questions you have about the need for this type of coverage. 

Many people don’t know that in order to qualify for long-term care insurance, you have to be in good health and without any pre-existing conditions. That’s why it’s often encouraged to purchase it while you are younger and in better health, so you can maintain the policy over the years instead of trying to get it when it’s too late and you have medical issues. Once you are sick, you do not qualify for long-term care insurance. 

Nobody plans to become unhealthy, get sick, acquire a disease or illness, but it happens frequently. The older you are, the less capable your body is of fighting off an illness. If you feel compelled to explore your options regarding long-term care insurance, we are here to help at Colling Insurance Services Inc. 

People are also concerned about the cost of this type of insurance, which is a valid concern – it is expensive. However, the cost of long-term care without insurance is staggering. We encourage you to protect yourself and your family members from this financial burden while you still can. 

If you’re in Lakewood, CO and the surrounding areas, give us a call at Colling Insurance Services Inc. We can work with you to find the best solution for your long-term care needs and address all your concerns. Don’t hesitate to reach out. 

Life insurance is more important than most people realize. It provides security for your loved ones financially when you pass away. They will then have the space to grieve your death without the financial stress that may come with it and the life insurance agents at Colling Insurance Services Inc in Lakewood, CO are prepared to answer any questions you have about life insurance policies.

The Importance of a Life Insurance Policy

Life insurance is a very important type of policy to have as it protects your loved ones in the event of your death. It will also give you a sense of peace and comfort in knowing your loved ones will have financial stability when you pass away.

Types of Life Insurance Policies

There are three main types of life insurance policies.

Term Life Insurance

A term life insurance policy is more strict in the fact that you only have the coverage during the term in which the policy is active. Once the term expires, you will need to purchase another term and your premiums may increase. It is a simple type of life insurance that you get to choose the amount in which the term lasts, from one year to 30 or more years.

Universal Life Insurance

Universal life insurance is a very popular type of policy since you can borrow from the policy while you are still alive. This allows you to pay off major bills before you pass away, such as your mortgage and credit cards, so that your loved ones are provided for in the event of your untimely death.

Whole Life Insurance

There are three types of whole life insurance policies you can choose from, including universal life, variable universal life, and traditional whole life. Any of these three types are considered permanent life insurance and will pay out a death benefit when you pass away.

To obtain a quote and to decide upon which type of life insurance will work best for you and your loved ones, contact the trusted and experienced life insurance agents at Colling Insurance Services Inc in Lakewood, CO today!