We are often asked about the available home insurance discounts for Arvada residents. With that in mind, we thought we would share a list of the common discounts associated with homeowners insurance: Policy Discounts Multi-Policy Discount: If you have more than one policy with the same insurance company, you may qualify for a multi-policy discount […]
If you rent a house or apartment, your landlord’s insurance will only cover the costs of repairing the building if there is a fire or other disaster. There is no coverage provided to protect your personal property or negligence. You need your own coverage, known as renters or tenants insurance in order to financially protect […]
According to the FBI, did you know that insurance fraud costs insurance companies (and ultimately consumers) more than $50 billion each year? This equates to approximately $500 in increased annual premiums for each one of us.Plus, when you start adding lost productivity for businesses, ruined family finances, and the cost to investigate and prosecute, the […]
New Year’s Eve has always been a time for looking back to the past, and more importantly, forward to the coming year. It’s a time to reflect on the changes we want (or need) to make and resolve to follow through on those changes. Unfortunately, while most New Year’s resolutions are made with vigor and […]
Holiday celebrations are exciting times for family and friends to get together. But, get-togethers can turn into tragedies when people are killed or injured in traffic crashes. Motorists need to be mindful of actions that will make their holiday travel safer. Drivers can protect themselves and their passengers by following these holiday travel rules. Before […]
An adjuster will inspect the damage to your home and offer you a certain sum of money for repairs. The first check you get from your insurance company is often an advance against the total settlement amount. It is not the final payment. If you’re offered an on-the-spot settlement, you can accept the check right away. […]
Preventing Ice Dams on Homes UNDERSTANDING HOW ICE DAMS FORM When heat from the interior of a house with a sloped roof escapes into the attic space, it warms the underside of the roof. Meanwhile, the roof eave outside the heated space remains a colder temperature. As snow accumulates on the rooftop, it melts over […]
Not only is distracted driving dangerous for individuals, but there is a growing concern among business owners and managers that they may be held liable for accidents caused by their employees while driving and conducting work-related conversations on cellphones. Under the doctrine of “vicarious responsibility,” employers may be held legally accountable for the negligent acts […]
We are frequently asked what consumers can do to lower their homeowners insurance premiums. The following tips will hopefully help provide some guidance on saving money without sacrificing coverage: 1. Raise Your DeductibleDeductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according […]
As we’re now in the middle of winter, we know that a variety of problems can arise during these months due to the weather. The importance of maintaining your home during these months can protect you from potentially large insurance claims. For example, did you roof damage accounts for almost 50% of all homeowners […]