Insurance carriers now underwrite Colorado homes from aerial imagery. Here is what they look for, why it rewards a well maintained home, and what to do when the file is wrong.
Why a Personal Property Inventory Matters for Your Home Having a current and detailed personal property inventory is more crucial than you might think. Whether faced with a natural disaster, theft, or the need to make an insurance claim, this inventory could be your saving grace. Modern technology has made this task more manageable than [...]
If you own a home in Colorado, a letter is coming that you’ve never received before — one that puts a number on how risky an insurance company thinks your property is when it comes to wildfire. Starting July 1, 2026, a new state law changes the rules on how carriers can use your Colorado [...]
Many homeowners remain unaware of the insidious effects hard water can have on their homes. While it doesn’t pose a direct health risk, it can gradually cause significant damage to plumbing and appliances, leading to unexpected expenses. Identifying signs early can save you from hefty repair costs and keep your home in great shape. Soap [...]
If you live in Colorado’s beautiful foothill communities, places like Bailey, Pine, Evergreen, Boulder, Estes Park, Red Feather Lakes, Woodland Park, or any of the surrounding mountain towns, you already know the risks that come with living close to nature. One of the biggest concerns? Wildfires. One of the biggest stresses that comes with living [...]
Starting November of 2025, residents of The Settlement, a unique sub-HOA within the larger Ken Caryl Ranch HOA, will experience a significant shift in how their homes are insured. For over 5 decades, The Settlement’s HOA has provided exterior building coverage through a master insurance policy. But that’s about to change. Going forward, each homeowner will be responsible [...]
The rise of home-sharing platforms like Airbnb and VRBO has opened exciting opportunities for homeowners to earn extra income. It’s a tempting prospect: sharing your space, meeting new people, and gathering extra cash. However, the potential insurance complications are often overlooked. Understanding what your standard homeowners insurance covers—and does not—is crucial. This blog will delve [...]
You might be asking... 'What are they talking about? CrossFit and Homeowners Insurance?' Well, both Mike and Luke are avid ‘CrossFitters.’ Mike attends CrossFit Ken Caryl, and Lucas goes to Fort Collins CrossFit. For many CrossFitters, August means the CrossFit Games in Madison, Wisconsin, where the best of the best compete for the title ‘The [...]
Turning your house into a rental property is a big step. And one that changes your insurance needs. You’re insuring the same dwelling. But the focus of your coverage changes. If you've recently become a landlord, or if you've been a landlord for many years, you need to know and understand landlord [...]
My teenage daughter recently turned 16 and now has her driver's license. The car she now gets to use does not have a smart screen, it doesn't have an aux port, it only has two things... AM/FM Radio and a Compact Disc player. You remember CDs, right? Well, my daughter didn't really have a clue, [...]
