Home Insurance

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 be responsible for damage to their property, their medical bills in case of bodily injuries, pain and suffering and lost [...]

By |2020-03-30T10:56:43-06:00March 30th, 2020|Blog, Home Insurance|Comments Off on Personal Liability Insurance

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 loss, no better and no worse.  This can be a real problem if your house was build 25, 50 or [...]

By |2020-03-30T16:05:34-06:00March 27th, 2020|Blog, Home Insurance|Comments Off on Ordinance & Law Coverage

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.  There’s a number of things you should be aware of when it comes to hail and your insurance. Most insurance [...]

By |2020-04-15T15:33:40-06:00March 19th, 2020|Blog, Home Insurance|Comments Off on Home Insurance and Hail

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 'stuff'.  Personal property consists of your clothes, furniture, electronics, food in your kitchen and fridge, pots, pans, CDs, DVDs, cell [...]

By |2020-04-03T13:56:56-06:00February 26th, 2020|Blog, Home Insurance|Comments Off on Personal Property

Mysterious Disappearance Can Mean Loss of Insurance Coverage

Many of us enjoy a good mystery -- unless it involves our insurance. If you lose a valuable piece of property, your insurance reimbursement -- or lack of it -- may depend on whether your policy includes a Mysterious Disappearance Clause. A Mysterious Disappearance Clause is just what the name says. If your property, renter’s [...]

By |2020-02-09T14:30:05-07:00January 15th, 2020|Blog, Home Insurance|0 Comments

Flood Insurance: NFIP or Private?

If you’re familiar with the National Flood Insurance Program (NFIP) offered through FEMA, you know how limited it is. And for the past 50 years, it was your only choice. Many people are surprised to learn that a flood is excluded by their standard home insurance coverage.  If you want coverage for a flood, you [...]

By |2020-02-09T14:27:25-07:00December 19th, 2019|Blog, Home Insurance|Comments Off on Flood Insurance: NFIP or Private?

Short Term Rental Insurance (VRBO & Airbnb Insurance)

Vacation Rental by Owner, or VRBO, is currently the fastest growing rental segment in the U.S.  Short Term Rentals came about primarily because of the high cost of owning a second home.  Many second homes are only used 2 – 3 months of the year.  VRBO allows the owner to rent out their property on a [...]

By |2020-03-10T17:49:56-06:00October 29th, 2019|Blog, Home Insurance, Insurance Tips|0 Comments

New For 2019: Sewer Line Insurance For Your Home

A sewer line break on your property can easily cost upwards of $10,000, or even more to repair.  For years this was simply a maintenance issue and insurance companies did not cover this type of wear and tear and maintenance. So, I’m pleased to announce that many of the carriers that we represent just introduced [...]

By |2020-02-09T14:28:33-07:00August 17th, 2019|Blog, Home Insurance|Comments Off on New For 2019: Sewer Line Insurance For Your Home