Last week we provided some discounts for auto owners with eco-friendly cars.  This week, we are going to provide the insurance discounts available to homeowners who have taken green initiatives within their home.

Homes

Insurers are helping to promote sustainable building practices by offering green homeowners and commercial property policies, including:
  • LEED Certification. For homeowners who have met the stringent efficiency and sustainability standards like the LEED Certification program will qualify for premium discounts of up to 10 percent on their homeowners insurance premiums.
  • Eco-Friendly Materials. Some homeowners insurance polices are offering endorsement to rebuild your home after a loss with more eco-friendly materials including replacing items like appliances with Energy-Star devices.
  • Solar Power.  For homeowners who generate their own geothermal, solar or wind power and sell any surplus energy back to the local power grid, there are now policies that cover both the income lost when there is a power outage caused by a covered peril and the extra expense to the homeowner of temporarily buying electricity from another source. Policies generally cover the cost of getting back online, such as utility charges for inspection and reconnection.

If you would like to find out more about the other homeowners insurance discounts available, please feel free to contact our office.

There are different insurance packages available under Arvada homeowners insurance that will protect your home and your belongings.  It’s important to know which risks an Arvada homeowners insurance poiicy covers and which risks it excludes.  Each policy will include the same basic coverages like protection against fire, windstorm, and theft.  However, it’s important to review your policy’s exclusions because events you think are covered, like flood, are probably excluded on your Arvada homeowners insurance policy.
The following coverages are the most basic insurance coverages to an Arvada homeowners insurance policy:
1. Damage to Real Property
Real Property applies to your home’s structure or dwelling.   Your dwelling limit will also usually include coverage for other structures on your property like a detached garage or shed at a smaller specified amount (i.e. 10% of the dwelling amount) as well.
The dwelling limit can include some additional coverages for removing debris, the increased cost of construction, cost of reasonable repairs to protect your dwelling from further damage, the removal of trees and shrubs, and any fire department service charge for responding to a claim.
2. Damage to Personal Property
Personal property is usually defined to protect any property and personal belongings within the walls of your home owned by you or other family members living in the home.
Your personal property insurance limit is usually calculated as a percentage of your dwelling value (50 to 75%).   It’s important to note that your personal property coverage will limit the amount it will pay on certain items like jewelry, guns, computers, silverware, and expensive antiques.
3. Additional Cost of Alternative Living Expenses
Most Arvada homeowners insurance policies will pay the expenses of alternative living expenses (i.e. hotel) for covered claims to the dwelling or personal propety.   The policy limit is usually a percentage of the dwelling’s value as well (i.e. 20%).
4. Personal Liability Coverage
Personal liability coverage protects you and your family against claims (non-auto or business related) that result in bodily injury or property damage to others.   The amount of coverage available is usually $50,000 to $500,000 in liability protection.  For amounts higher than that, you should consider purchasing an umbrella insurance policy.
5. Medical Payments
Medical payments is a small sub-limit coverage designed to pay small medical bills and expenses for people injured on your property.   This coverage is considered a “no-fault” coverage meaning that it doesn’t matter who was negligent as the policy will pay the limit regardless.
If you are interested in an Arvada homeowners insurance quote or wouldl like to find out if your current insurance coverages are adequate for your situation, please don’t hesitate to contact our office.
 

The Holste Agency is the Arvada insurance agency you can trust!
We care tremendously about protecting you and your family from disaster.   Our dedicated staff will ensure your have the right Arvada home and auto insurance coverage at the lowest available premium.
Additionally, we will provide you with the best customer service available.  We are happy to answer any insurance questions, concerns, billing issues, or claims.
If you would like to start on your Arvada home and auto insurance quote, please contact our agency by phone or you can receive an instant Arvada insurance quote by clicking here.

If you are looking for a Denver auto insurance quote, then The Holste Agency can help you out.  We are an independent insurance agency, which means we can get you multiple insurance quotes from a variety of the top insurance companies to ensure you aren’t paying any more on your insurance than you have to.
In fact, we have an online quote tool where you can input the information yourself and get multiple Denver auto insurance quotes back in just a few minutes.
Or if you would like you can call our office directly and our friendly, knowledgeable staff will help you get the best Denver auto insurance quote possible.
If you would like to get started with our Denver auto insurance online quote tool, please just click here.

If you are looking for Arvada Life Insurance Quotes, then The Holste Agency can help you out.  Our expert staff can guide you through the Arvada Life Insurance options available to you and your family.   Additionally, we can help you calculate a proper limit, obtain multiple quotes, and purchase the policy that fits best.
Arvada Life Insurance will protect you and your family from unexpected tragedy by providing the financial assistance you need.
If you have any questions or you would like to receive a quote, please feel free to contact our office.

If you are an Arvada or Denver Metro resident looking for life insurance quotes, we here at The Holste Agency can help you out.  Our team of expert agents can help guide you through the life insurance purchasing process.   We can show you how to calculate a proper life insurance limit, show you which products best fit your current lifestyle, and help you select a policy that fits both your budget and coverage requirements.
To find out more about the life insurance products available to you, please feel free to contact our agency.

If you are an Arvada resident looking for quotes on your home insurance, then The Holste Agency is your best choice.  By taking just a few minutes of your time we can provide you with multiple money-saving quotes without sacrificing the insurance coverage and protection you need.
Our knowledgeable, friendly staff will help you determine the proper insurance limits, coverages, and deductibles that will meet your budget.
If you would like to find out more, please contact our office or visit our ‘Get a Quote’ page here.


If you are looking for the best auto insurance quotes in Arvada, CO, then The Holste Agency is your choice.   Our team of expert agents can provide you with multiple money-saving auto insurance quotes from a variety of insurance companies.   We will work with you to individually assess your risks and determine which insurance coverages for you and your family  will be the best choice.
By partnering with The Holste Agency, you will also ensure all of your insurance questions, concerns and claims issues will be handled by a friendly, knowledgeable staff that is eager to assist you.
Additionally, The Holste Agency will help all Arvada residents find and take advantage of multiple little-known insurance discounts that will ensure you are paying more on your insurance premiums than you have to.
If you have an insurance question or you would like a free quote, please contact our office or visit our ‘Get a Quote‘ page.
 
 

Looking for a reliable insurance agency in Arvada or the Denver Metro area that fits your budget?
Then look no further than The Holste Insurance Agency. We provide home insurance, auto insurance, life and commercial insurance so no matter what kind of coverage you need, we can help.
Receive an instant insurance quote or schedule an appointment for consultation today. We look forward to helping Arvada residents find the coverage they need.
 

One of the items rarely factored into the cost of buying new insurance is the cost of insurance to protect the home and your family from potential catastrophes.
If you are looking for a home in the Denver or Arvada area, here is a list of items you should keep in mind as it relates to insurance and purchasing a new home:
1. Calculate the cost of the insurance into your budget.   The cost will depend upon the area you live and can vary dramatically depending upon the construction year and type for your home.
2. Fire Department.  How close is the fire department to the home?  Is is a paid fire department or volunteer?  The answers to these questions will have a large influence on your insurance premiums.
3. Is the home well built and well maintained? Homeowners insurance is designed to protect you from “sudden and accidental” incidents that happen at the home.   So something like a slow water leak and the damage it causes may not be covered by your insurance policy.
4. Is the home in an area where you will need to purchase additional insurance coverage?  It’s important to check if you live on a flood plain, seismic activity, or prone to high winds.  If so, you may need to purchase a flood or earthquake insurance policy to protect the home.
5. Ask the current homeowner for a copy of the claims history.   Find out if there are have been prior insurance claims on the home and what they have been for.
Additionally, the Insurance Information Institute released the following video the provides some additional information in regards to purchasing insurance on a new home.
Also, you can always give our office a call and we will be happy to assist you with multiple insurance quotes and options.