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You trust your homeowners’ policy to protect you in case anything ever happens, and the last thing you need in the event of a disaster is a surprise where you find out certain important properties aren’t protected. If you are in Centennial, CO, we at Compass Insurance can help you understand your current policy and see if you need to make any changes.

What Is Normally Covered?

Your homeowners’ policy is a contract, and most people pay the most attention to the coverage amount and the deductible. However, it is important to also pay attention to any limitations or exclusions. For instance, some policies don’t cover damages because of flooding, or injuries caused by inherently risky items like trampolines.

The physical structure of your home is covered, including the building itself and most of its contents. Your clothing, appliances, electronics, decorations, flooring, and everything else in your home should all be protected under your policy.

Making Sure Your Outbuildings Are Protected

When you purchased your policy, an agent probably obtained photographs of your home, and that would have included a picture of any structures on your property, like a shed or detached garage. These are considered part of your property, and they will normally be protected. If you added an outdoor structure after purchasing your homeowners’ policy, it wouldn’t hurt to inform your agent. There may also be limitations as to how much is covered for outdoor structures, so you should check your contract if you have any questions.

Just like with any other contract, you will be safest if you make sure any additional outbuildings are mentioned in your contract. If you live in Centennial, CO and are thinking about adding to your homeowners’ insurance, or if you just have any questions, call Compass Insurance today.

Why Insurance Companies Give a Discount

Something happens to people when they get married. They become safer people. Married people get into fewer accidents than single individuals. Insurance companies value safe drivers, so they give them lower rates. You can save money by combining car insurance policies with your spouse. In some cases, you can also combine policies if you are a domestic partnership.

How You Qualify for the Discount

Rather than simply getting married, you both also need a few simple qualities to qualify for the better rates. Come talk to an agent at Compass Insurance of Centennial, CO to find out how much you both could save. You both need to have a clean driving record and no recent gaps in coverage. When you insure multiple vehicles on one policy, you can qualify for a multi-car discount. If you have separate insurers, you can move the one at another insurer to Compass, then combine them.

When You Shouldn’t Combine

Sometimes, you need to keep your policies separate. If one spouse has a poor driving record or a DUI, combining won’t get you a lower rate. In fact, it would likely raise the cost of the low-risk driver’s policy. Also, avoid combining if one spouse has had to file a lot of auto insurance claims. That could increase your premiums. Finally, if one spouse drives an expensive vehicle like a Jaguar, Camaro or Corvette.

Call or come by Compass Insurance of Centennial, CO to learn more about combining auto insurance. We can help you determine which insurance option is right for you.