Home Insurance CO
The History and Meaning of the term “Hazard Insurance”
“Hazard insurance” refers to insurance coverage that protects property owners against damage caused by natural disasters, such as storms, fires, earthquakes, and floods. The term “hazard” in this context represents anything that can cause damage to a property. The term can mean different things to different people, so whenever hearing the words “hazard insurance” in…
Read MoreColorado Homeowners: 80 20 Rule Home Insurance Explained
Overall, you’re going to need to have adequate coverage and account for the present and the future. Otherwise, you’ll find yourself in a very uncomfortable position should you suffer an expensive loss down the line.
Read MoreHow does my mortgage escrow work and how does it pay my home insurance?
When you have a mortgage, your lender might require you to set up an escrow account to ensure that property taxes and homeowner’s insurance are paid on time. Here’s how the process typically works: Setting Up the Escrow Account: When you close on your home, your lender will often set up an escrow account for…
Read MoreDoes Your Insurance Cover a Dust Storm in Colorado?
While you’re more likely to find dust storms in Colorado popping up in the southwest portion of the state, that doesn’t mean the occasional threat doesn’t persist elsewhere. This includes the eastern portion of Colorado, which shares a border with Kansas.
Read MoreProtecting Your Home and Auto From Colorado Hail
In southeastern Colorado, particularly Pueblo, August experiences the worst hail month. Hailstones ranging from one to two inches in diameter, falling at speeds up to 80 miles per hour, are frequent in eastern Colorado during the summer but over limited areas. In northeastern Colorado, stones as large as 4.5 inches have been observed, causing significant damage, including penetrating roofs.
Read MoreCommon Mistakes When Buying a Home in Colorado
The biggest mistakes when buying a home aren’t just going to cost your bank account but also your peace of mind and sense of sanctuary. All too often, homeowners in Colorado make errors that aren’t just expensive, but also costly in terms of lifestyle and fulfillment.
Read MoreTen Home Insurance Myths Coloradans Should Know
Home insurance myths can end up costing you big. Not only does the misinformation hinder your search, but you can also find yourself not fully covered as you should be when you enroll and/or pay more than you need to for coverage. We’re separating fact from fiction and examining some of the top home insurance myths you might come across on your journey.
Read MoreHow Much Does a New Roof Save on Homeowners Insurance in Colorado?
To reduce your home insurance costs, replacing your roof presents an excellent opportunity. By installing a new roof, you can not only enhance the protection of your home but also enjoy substantial savings on your home insurance through both discounts and your premium. This can mean the potential annual savings of hundreds or even thousands of dollars.
Read MoreColorado Homeowners Insurance Rates Increase – How To Save
The ongoing problem for residents of The Centennial State continues to be that Colorado homeowners insurance rates increase. For a while, it was easy to point to one or two core reasons for higher homeowners insurance in Colorado. But this is no longer the case. Several factors are affecting Colorado home insurance premiums and the…
Read MoreMoving to Colorado? Here is Your Ultimate Guide
Those moving to Colorado understand that there are strong, innovative job markets, bustling cities with charm, and the opportunity for recreation on a grand scale.
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