Month: January 2014

Should I Inform the Home Insurer in Centennial, Colorado, if I Have Changed the Security System of my House?

Posted on by AgentInsure

When homeowners make changes to the security system on a home, it is usually a good idea to inform the Centennial, Colorado insurer about the change. The different security system may or may not impact your insurance policy, so it is important to tell your insurer about the change before you make any new claims on your account.

Potential Discounts

If you update your security system, then it may be considered an improvement that makes your insurer happy with the change. In some cases, you may be offered a discount for the new system due to the improved safety available in your home.

Although some insurers may offer a discount, the ability to reduce your premium will vary. Some insurers may not be willing to offer any reduced rates.

Making a Claim

When you do not inform your insurer about the change to your home, it will become harder to make acclaim when a problem occurs. The reason is that the insurer will not have your security system in their account and therefore you may void your coverage due to the change.

Never assume that your coverage will remain the same if you change the system. Even if it is an improvement, your insurer will need the information in your account to ensure that you have appropriate coverage. Changes to your home may or may not impact your coverage, depending on the situation and the policy that you purchased.

Security is an important part of any house, but that does not mean you can avoid talking to your insurer about the change. Always inform your insurer when you make changes to your home. To learn more about protecting your home, contact us to talk to an independent agent today.

Are my Personal Possessions Covered by Home Insurance in Centennial, Colorado? Are There any Limits on Certain Valuables Such as Jewelry or Electronics?

Posted on by AgentInsure

Homeowners insurance plans will usually provide some protection for personal belongings that are in the house, but the amount of coverage that is available in Centennial , Colorado may vary. If you are not sure about what is covered under your home policy, it is important to review your current coverage before you make a claim .

Variation Between Plans

An insurance policy for your home will usually cover personal possessions , but the limitation on the policy may vary. For example, some insurers may offer coverage for personal belongings up to 10 percent of the total policy. Other insurers may offer more or less.

Read through your plan to determine the exact limitations on your current policy. It will usually provide a percentage or a specific dollar amount based on the amount of coverage you purchased on your home .

Limitations on Items

Although some insurers will not specify a limitation on specific items, like jewelry or electronics, it may be appropriate to purchase specific coverage for any item that is very expensive. The reason is that you may have a limitation on the total coverage amount, which may limit your ability to replace other belongings.

If you have expensive jewelry or electronics, then purchase a policy for those specific items. It is also appropriate to purchase coverage for heirloom possessions or similar items.

A homeowner’s insurance policy may not provide all of the coverage you need for personal belongings. Although the limits on your current policy may vary, some insurers do have set limitations on the amount that you are provided. Contact us to talk to an independent agent to learn more about homeowners insurance and the differences between policies.

Does my Auto Insurance in Centennial, Colorado cover if I hit a wild Animal While Passing by a Forest?

Posted on by AgentInsure

Depending on the type of auto insurance you have, you should be covered if you hit a wild animal while passing by a forest in Centennial, Colorado. Most insurance policies provide coverage if you have a collision with an animal while driving. It doesn’t really matter what type of animal, it could be a deer, dog, or a wild animal that might cause an accident. If you are worried about whether you have the correct type of coverage, as your independent agent we can look at your policy and determine if you would be covered.

Often living in the Highlands Ranch or Englewood area of Colorado, there is a possibility of hitting a wild animal while driving near the forest. If you use your automobile to travel to work or school, you would need to fix or replace your car as soon as possible. When you purchase an insurance plan, you may want to make sure you have rental car coverage to make sure you can still get to the places you need to be while your car is in the shop. We will help you look at different accident factors and then find a policy that fits your budget.

Making sure you don’t pay too much for your auto insurance is important. As your independent agent we can compare rates and quotes from several different auto insurance providers and find a plan that both gives you the protection you need for a price you can afford. If you have ever hit a wild animal while driving, you know the type of damage it can cause. Call us today to make sure you will be able to file a claim and give yourself peace of mind.

Does the Compass Insurance Company Offer Other Lines of Auto Insurance That Will Qualify Me for a Discount in Centennial, Colorado?

Posted on by AgentInsure

Saving money on auto insurance is often a possibility. Like many insurance companies, Compass Insurance Company offers a variety of discount options. If you live in Englewood, Highlands Ranch, or Centennial, Colorado, you may qualify for discounts if you have more than one vehicle. Whether or not you use this company, it is important to know how to save money on the auto insurance you need.

A multi-car and multi-policy discount is one way to reduce the costs associated with auto insurance. You can do this if you purchase more than one policy through the same company, in most cases. For example, if you own two vehicles or if there are two vehicles driven within your home, even if they are driven by different drivers, having one policy that includes both cars can help to reduce the costs in most cases.

In addition, if you have an insurance company that has more to offer, including homeowners insurance, and you need that type of policy as well, purchasing two policies from the same company may help you to qualify for a multi-policy discount.

In addition to these things, it is often possible to find affordable rates by simply comparing policies across the board. If you work with an independent agent, you will find this is easy to do. You can compare various types of auto policies as well as policies from multiple companies and providers. It is always best to work with an independent agent who does not represent just one company, but can help you to sort through options from multiple insurance providers. This can be one of the best ways to reduce your vehicle costs overall. Ask about the options in various lines of auto insurance available to see if you can also save that way.