Owning a home brings with it a certain amount of risk. Things can go wrong that will damage your house or even totally destroy it. No one likes to think about this possibility, but it is better to be prepared for the worse than to be caught off guard. At Compass Insurance in Centennial, CO, we have been providing our clients with choices since 2002. We offer an exceptional level of customer service and if you ever need to file a claim, we will be there with you all the way through.
A home inventory will be your best friend if you ever need to file a claim. The insurance company is going to need proof of what you had before the damage or destruction was done to your home. Your inventory will be that proof, and it will make the whole process go faster and easier.
You can do a video inventory, but you will still need to provide specifics and receipts if you have them. But, the ideal way is to just do it the old-fashioned way with a pad and pen and your phone or camera. Go room to room and write down everything you see in as much detail as possible. Take pictures from a bunch of different angles. Be sure to look in drawers and closets.
Go through your home top to bottom and don’t forget the attic, basement, shed, and garage. For electronic in particular, write down the serial number, brand, and model. With jewelry, art, or antiques an appraisal is the way to go. Attach any receipts you have to the inventory along with the photos.
Store it in a safe place where it is easy to access but won’t be destroyed along with your home. The Cloud is a good option; it can be accessed from anywhere you might end up.
Contact Compass Insurance in Centennial, CO for all your home insurance needs.
At Compass Insurance in Centennial, CO, we were founded in 2002 with the intention of offering residents choices that only an independent insurance agency can. We are committed to not just finding our customers the right policy, but we continue to offer our expertise and our help throughout the year. We have an in-house claim specialist, who will be there with you through the entire claims process.
In Colorado basic auto insurance is confined to liability coverage. Liability insurance helps to pay for injuries you may cause to other drivers and their passengers as the result of an accident where you are the at-fault driver. It will also pay for property damage. The Colorado limits are 25/50/15. That translates to $25,000 for the first injured person and a total of $50,000 for an accident. The property limit is $15,000. This is pretty basic, especially the property damage, if the vehicle is relatively new, $15,000 could leave you paying a lot out of pocket.
That is what basic auto insurance consists of, does it seem like enough to you? If you don’t have any assets, and you have an old clunker, it probably is. For the rest of the driver, this is just not going to cut it. Especially if you still have a car loan, you are going to have to carry comprehensive and collision coverage.
Comprehensive and collision coverage will repair your vehicle and if you are like most people, you count on your vehicle to get to work and to get around. It can cost thousands of dollars after an accident or if your vehicle is stolen. Insurance makes it possible to replace or repair your transportation. Since this is a necessity, basic auto insurance just won’t be enough.
If you live in or near Centennial, CO, Compass Insurance is your one-stop insurance agency.