Personal Liability Insurance
Personal liability. It means you’re on the hook if you hurt someone or damage their property in an accident that’s found to be your fault, in or out of your home. That means you may [...]
Ordinance & Law Coverage
Ordinance & Law coverage was developed to solve a fundamental problem with home insurance. The purpose of any insurance policy is to put you back into the same financial position you were in before a [...]
Spring Means It’s Time to Review Your Travel Trailer & Motor Home Insurance
Spring is almost here, which means summer is on its way -- peak season for motor homes and travel trailers. Time to make sure your motor home or travel trailer is ready for the road. [...]
Collision Coverage
Collision coverage provides insurance for your vehicle in the event of an auto accident. When someone says, "full coverage auto insurance", that normally implies comprehensive and collision coverage. What is Collision Coverage? When you think [...]
Home Insurance and Hail
Mike: Hail season is here. What should I be aware of when it comes to my home insurance? - Chris Chris, hail is the most costly and likely claim a homeowner will experience in Colorado. [...]
Comprehensive Coverage
Comprehensive coverage on your personal auto policy provides extensive coverage to your car. Comprehensive coverage can sometimes be referred to as comp or "OTC - Other than Collision". When someone says, "full coverage auto insurance", [...]
Loss of Use & Additional Living Expenses
Loss of Use, Additional Living Expenses, ALE or coverage D; they all mean the same thing, but what is it? If a loss makes your residence uninhabitable, then there may be additional money you will [...]
Slips and Falls on Snow-Packed Sidewalks
Mike, While walking around the Denver metro area this winter, I’ve encountered many icy and snow packed sidewalks. I know Denver has ordinances in place to make sure homeowners remove snow, but I'm curious, what [...]
Personal Property
What is Personal Property? If you've ever purchased home insurance, renters insurance or even business insurance, you've probably heard the term 'personal property'. A good way to think about personal property is that it's your [...]
Engagement Ring Insurance
You’ve just gotten engaged. The ring is beautiful. And expensive. But what if it’s lost or stolen? Will your insurance cover the loss? Only for a limited amount, minus your deductible, if you rely solely [...]