Month: November 2016

What Type of Car Insurance is Best for Mountain Regions?

Posted on by AgentInsure

The people of Centennial, CO know that the mountains of Colorado can provide treacherous terrain for drivers. The roads have tight curves, steep drops, and challenging weather that require a driver to remain on their toes at all times. When something goes wrong on the mountains, what type of auto insurance is necessary to cover the vehicle? When it comes to understanding these details, Compass Insurance has the answers.

There are numerous threats when driving on mountain roads in addition to other drivers. These include falling rocks, ice, or trees from the edge of the mountain. Mountain passes are filled with rest areas that are prone to theft. Glass from other cars or objects can damage a car. Finally, some mountain animals are large and can substantially damage a vehicle. These are all damages that aren’t covered by collision insurance and certainly aren’t covered by liability insurance. Therefore, drivers in mountainous areas need an additional level of coverage that will pay to repair or replace a car damaged by these hazards. They need comprehensive coverage.

In short, comprehensive insurance coverage protects a car from damage that occurs outside of a collision. This includes falling objects, natural disasters, theft, and fires. Many people refer to comprehensive coverage as "act of God" insurance. For people that live in the mountains, this is the coverage that is required. Avalanches, blizzards, large animals, and treacherous conditions mean that cars are prone to sustaining damages outside of a typical car accident. These damages aren’t covered by liability or collision coverage. Without comprehensive coverage, the car isn’t protected against these potential hazards. Therefore, drivers in mountain regions need comprehensive insurance coverage. 

The mountains provide challenging terrain for drivers. Large animals, snowy conditions, and falling objects merit comprehensive insurance coverage. Make sure the vehicle is covered for all circumstances on the mountain roads of Centennial, CO. Contact Compass Insurance for a quote today.

What Does A Basic Homeowner’s Insurance Policy Cover In Colorado?

Posted on by AgentInsure

If you are like most homeowners, your house is your most expensive asset. It is also where you live and you keep all of your personal belongings. Because of this, you should make sure that your home is protected if some type of tragedy were to occur. The best protection you can have is a homeowners insurance policy. There are several ways insurance can protect you and your home.

Structural Damage

Homeowners insurance will cover any structural damage caused by fire, a hurricane, hail, lightening, vandalism, and other disasters. There are some things that are not covered under a standard policy. These include flood, earthquake, and routine wear and tear. Some policies also cover detached structures, such as a garage, sheds, and other structures on your property. Without a homeowners insurance policy, you would need to pay to repair or rebuild your home out of your own pocket. If you are like most homeowners, you don’t have that kind of money lying around.

Personal Belongings

If your personal belongings were stolen or were damaged during a covered disaster, your homeowners policy would cover the belongings that were in the home. This includes furniture, electronics, appliances, and clothing. Expensive items such as jewelry should have its own insurance policy.

Liability Insurance

If someone is injured on your property, your liability would cover the bodily injury, protecting you from an expensive lawsuit. Most policies will also cover things that happen off the property. For example, if your child throws a ball through the neighbor’s window, your liability insurance will cover it. Lawsuits can be expensive and this type of coverage provides a great deal of protection.

Additional Living Expense

If your home is damaged or destroyed during a covered disaster and you cannot live there during the repairs, most homeowners insurance policies will pay for your living expenses while the home is under construction.

For more information on homeowners insurance in Centennial, CO, you should contact a licensed insurance provider. They can help you purchase the policy to meet your individual needs.