Month: August 2013

Will My Premium on Snowboard Insurance Go High if I Opt for Extreme Snowboard Activities like Terrain Park Riding and Snowboard Racing in Highlands Ranch, Colorado?

Posted on by AgentInsure

If you participate in extreme sports, such as extreme snowboarding and snowboard racing, you will have to buy a quality snowboard insurance that covers extreme sports activities.

It sure is a happy world today, so be protected with adequate health coverage and extreme sports events. Be sure to contact us and speak to an independent agent in Highlands Ranch, Colorado.

In ordinary circumstances, you will want snowboard insurance coverage anyway, but when you actively pursue extreme sports, you cannot go without speaking to an independent agent. We are here to help you get the appropriate policy that will cover you, your equipment and others on the slopes with you. We have that special liability snowboard insurance that covers extreme snowboard sports.

We know what kind of hazards are at risk for you. When you knowingly put yourself in danger, you could stand to lose a lot financially if you do not have the right policy for extreme sports.

Call our independent agent today to detail with you what to cover when you are looking for extreme sports coverage. This type of policy can be taken out short-term or annually. If you are going to participate in another country, your premium could be higher or lower depending upon the area and risk factors present.

You can expect a higher premium with extreme sports due to the risks involved. You will also need to make sure you have a major medical policy and a life insurance policy in the event the worst happens.

You must state your dangerous sport, as it will be subjected to a higher premium rate. Policies must be structured to meet your needs. If not, the policy may not pay out a claim for a serious accident or death to you or others on the slopes with you.

Contact us before you tackle your extreme snowboard sport, an independent agent can help you in Highlands Ranch, Colorado.

Does it affect the commercial insurance policy if the property becomes unoccupied in Englewood, CO?

Posted on by AgentInsure

A regular commercial property insurance policy provides coverage while the property is in use and occupied. While the coverage for unoccupied times varies by insurance company, most companies drop or reduce coverage after 60 to 90 days of vacancy. This leaves unaware commercial property owners in Englewood, Colorado uninsured. If your property will not be occupied for over 60 days, you should obtain Unoccupied or Vacant Commercial Property Insurance. An independent agent can help you understand your vacant property insurance needs.

Vacant commercial properties present a greater risk to insurance agencies. The potential damage from a broken water pipe is significantly greater if the water continues to leak over several days or longer. In an occupied property, leaks are normally noticed within a few hours. If no one is in the building, this damage goes unnoticed. Empty commercial properties are also often the target of vandalism or looting and vagrants may begin living inside.

There are things that a commercial property owner may be able to do to reduce the potential higher cost for insuring an unoccupied property. Removing any combustible materials is one of these steps. Items like gasoline, oils or paints should not be stored on the premises. Having a monitored alarm system installed may help to reduce vandalism. Have the water turn off inside the building to reduce the possibility of water damage. Finally, make sure landscaping is maintained to reduce the look of vacancy.

As your independent agent in Englewood, Colorado, we will be glad to help you find the lowest insurance rates possible while providing you with the coverage you need. We offer live online insurance comparisons to take the work out of getting the lowest prices. If you ever have any questions about your insurance, give us a call so we can help you.

If I don’t make any auto insurance claim in Centennial, Colorado, am I eligible for a No Claim Bonus (NCB)?

Posted on by AgentInsure

Every auto driver in the country wants to have a clean record and a low insurance premium. Insurance companies have gone out of their way to help drivers keep their premiums low. The insurance company may provide various discounts and even good driving deals to encourage drivers to play it safe when driving around. Here are some thoughts about the benefits of good driving in Centennial, Colorado.

Benefit of Driving Your Car Safely

The one thing that an insurance agent wants to hear over the phone is, "I need to file a claim." What he hears is the car insurance company has to pay out money because of an accident. To help stop certain claims from appearing, some auto insurance companies have gone to providing incentives for their policy holders. A no claim incentive is something that the insurance company provides for people without a claim. A bonus can take the form of:

  • A lower deductible.
  • Some kind of check.
  • Lower premium.
  • A deductible waiver.

For people who do not call the car insurance company with a claim too often would be eligible for a no claim bonus. Of course your auto insurance company has some rules and guidelines that you will have to meet. Once all the regulations have been met you will be eligible for the no claim incentives.

If you have any questions about your current car insurance policy or any of the benefits that it may provide, then please contact your independent agent today. We can help answer your questions and help you understand what your policy covers and what it does not cover. We can also give you more information about the no claim bonus and how long before you are eligible to receive one for not filing a claim.

If the house is in joint name of my wife and self, should home insurance policy be bought in both our names or either of our names in Centennial, Colorado?

Posted on by AgentInsure

If you own a home, it is important to make sure that it is insured the right way. Having your home insured the correct way means having everything in order. All of the coverage benefits, deductibles and even endorsements should be thought though so every angle is covered. Be sure to list all the names on the policy that are found on the title of the home. Here are a few reasons why it is important to have both names on the policy.

Why You Should List Both Names on the Policy

  • One important reason to list both people on the policy is because without the second name on the policy your spouse will not be able to speak with anyone at the home insurance company.
  • Your spouse will be able to file a claim without having to have the other verify the information.
  • Your spouse will be able to make important changes to the policy when you are not around. There are times when spouses have to be apart. If something comes up at home or there is a change that needs to happen, you will be able to take care of business right away.

If you are a home owner in Centennial, Colorado and you have any questions about your policy, then we can help. As your independent agent we can help you understand your home insurance policy and make sure that both names appear the right way. Give us a call today and let us get your policy set up the way that it should be. We can make sure all the coverage benefits match the home that you are trying to insure.