Every summer afternoon can be cringe worthy when the clouds roll in over the Denver Metro area. Colorado experienced the second most hail claims on homeowner’s insurance last year. This is a great article from our friends at the Denver Post about how to avoid roofing scams.

Here are some highlights from the How to Avoid Roofing Scams article:

  • Work with your Denver insurance agent to see what you have for options.
  • Use a local and reputable roofing contractor.
  • Ask for the roofing contractor’s license number. Check the license number with the city and county and with the Colorado Roofing Association.
  • Get at least 2 estimates from contractors. Denver Insurance LLC is happy to provide you with a list of roofing contractors that we’ve had good experience with in the past.
  • Install Class 4 hail resistant shingles, if possible. This could give you a discount on your house insurance. Contact your insurance agent for specific information.
  • Check #NoRoofScams and Follow us on Twitter or Facebook for updates.

Whether you live in Denver, Highlands Ranch, Centennial, Arvada, Aurora, Lakewood or Castle Rock you probably know about Colorado’s hail.

Call Denver Insurance at 720-446-5566 or email us with any questions about How to Avoid Roofing Scams.

HELPFUL 5TH WHEEL INSURANCE STRATEGY: Do you need to insure your RV, camper, travel trailer or 5th wheel for the summer? It’s a common practice for people who live in Colorado to add their camper/5th wheel insurance insurance, and then remove their 5th wheel insurance to lower their insurance coverage during the winter months of the year. Our Denver Insurance Agents can help you with this process. Here’s how we can help you with a quick 5th wheel insurance quote and policy before you hit the road this summer.

 ROAM FREE COLORADO! We Insure your Adventure. ROAM FREE COLORADO! We Insure your Adventure.

Part of living in Colorado is being able to roam around and explore the expansive outdoor playground that makes up our Rocky Mountains. We are the local Colorado insurance company here to help you do that safely and with peace of mind. Denver Insurance LLC has excellent rates through Safeco, Travelers, Progressive and other insurance companies. We can insure your recreational vehicle as a stand-alone policy, which means that you don’t have to move all of your other insurance. This can be a benefit if you are in a time crunch or your current insurance company doesn’t offer coverage for your trailer hitch toys.

“Insure your Adventure with Denver Insurance!”

Our RV and 5th wheel insurance company offers customized packages for your motorhome including: roadside assistance, coverage for personal property, custom equipment, diminishing deductible, vacation liability and pet injury coverage. You can insure your motorhome for full total loss replacement, stated value, agreed value or market value.

You could also qualify for discounts for anti-theft, driver’s education, experience, multi-policy, claim free and good driver. You will also have access to 24/7 claims service.

This is all so you can explore Colorado freely without having to worry about loss if something were to happen. We are the independent and flexible insurance broker built for your Colorado lifestyle so you can explore our wonderful state.

When Colorado’s old man winter comes around we can help you plan for the snowy season as your priorities shift to ski season! Yeah we are ready for whatever Colorado has to offer.

Feel free to contact us or 720-446-5566 to find the best insurance coverage for your home on wheels. It doesn’t matter if you live in Denver or anywhere else in Colorado.

We can help you explore the great outdoors that Colorado has to offer! Get a free RV or 5th Wheel Insurance Quote by simply filling out the quick quote form below.

Quick Quote Internal Form

We don’t get the opportunity to grill everyday in Colorado. I came across this article with grilling advice and realized that I know nothing about meat on the grill. I particularly need to avoid so much direct heat and fiddling with the lid. It’s just so cool to see how the meat looks in the flames but apparently that’s a no-no.

http://www.seriouseats.com/2015/06/grilling-mistakes-and-how-to-avoid-them.html

 Take a look at this article orrrr you could just be like this clever person.  Take a look at this article orrrr you could just be like this clever person.

The best insurance advice when you’re on the grill:

  • Don’t leave your grill unattended.
  • Make sure you have adequate space between the grill and your home.
  • Make sure you turn off the propane when you’re done.
  • Put the matches, lighter fluid and lighters out of reach of children.

Good luck, Denver! As always, please contact us at 720-446-5566 or Info@DenverInsuranceTeam.com with any insurance questions. Stay safe and keep your house claim free.

Your homeowner’s insurance will provide a limited amount of jewelry coverage (jewelry insurance) in the event of a theft. Your $6,000 engagement ring could be covered for a value as low as $1,000 on your home policy.

The amount of jewelry insurance coverage will be listed on your actual home insurance policy booklet under Personal Property > Limits of Liability. Make sure you let your insurance agent know if you have valuable rings, earrings, watches, necklaces or bracelets.

Denver Insurance LLC generally recommends insuring your jewelry on a separate policy from your homeowner’s insurance. A Personal Articles Policy will insure your valuables for everything from theft to fire with a $0 deductible.

Most theft claims involve jewelry. Theft claims can be a ‘red flag’ on your homeowner’s insurance. Reasons to insure your jewelry on a Personal Articles Policy include:

  • A lower deductible
  • Keep your claim-free discount on your homeowner’s insurance
  • Coverage for more types of incidents
  • Filing a claim on your home insurance can increase your rate or lead to cancellation

Please contact Denver Insurance LLC with any questions. We are happy to review your current policy even if you are insured elsewhere.

First and foremost, if you are a renter, you should have renters insurance. Your personal belongings could be covered for under $10 per month! Renters insurance is coverage for your personal property and liability. Your personal property can easily value over $15,000. Common claims happen from fire, theft and water damage.

Frequently Asked Questions about Renters Insurance 

  • Do I need to inventory my belongings? Not necessarily but it will help you identify your items if there is a fire or theft. Many insurance companies have an app or method to assist you with inventorying your items. You can also simply make a video of each room
  • What is liability coverage? Liability can cover you for negligent events. For example, if you leave a coffee pot on and it creates a fire or if a guest trips over your rug and gets hurt. Most apartment complexes require you to have liability damage in case you accidentally damage the apartment.

Make sure you’re properly covered by letting your insurance agent know if you have expensive jewelry, collectibles, firearms, bicycles, computers, etc. Ask questions upfront rather than after a claim.

If BMW makes the ultimate driving machine then we make the ultimate BMW insurance so you can have proper coverage. Denver Insurance LLC offers BMW coverage through numerous reputable auto insurance companies, but we’ll help you select the best option for your budget and your luxury car.

One of the most important things you can do is adding coverage for OEM replacement parts. Original Equipment Manufactured (OEM) parts are desired by most BMW owners. If there is an accident and you have OEM coverage, your car will be repaired with certified BMW parts. Take pride in your car and don’t settle for aftermarket parts.

“The ultimate driving machine” has regularly scored high in safety ratings, which will help your insurance rate. You could also qualify for BMW insurance discounts by bundling with your other vehicles, home or if you drive less than 7,000 miles annually. Contact us today to get a free auto insurance quote or if you have questions.

Our insurance agents are experts in auto insurance.

A new roof will usually qualify for a discount on your home insurance. Luckily, many Colorado homes have a newer roof because of the hail storms in recent years. Most roofs, installed after 2000, have a composite asphalt shingle. But there is a type of shingle that the insurance company prefers.

It’s actually very easy, even for the untrained eye, to tell if you have a roof that will qualify for a better insurance rate. The architectural shingles are preferred because they are thicker and, generally, last longer. Architectural shingles will have a layered or textured appearance. Meanwhile, the traditional asphalt 3 tab shingle will have a flat appearance with distinct rows.

Take a look at the picture below and compare it to your roof. If you have architectural shingles, you might qualify for a discount. Contact us today for other ways to save money on your home insurance. Denver Insurance LLC will help you find the best insurance for your budget!

We admit it: As insurance professional, our picture of winter isn’t exactly cozy. Winter storms, in Colorado, mean icy roads and increased risks to your home. Cars sliding around like hockey pucks lead to dangerous accidents. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and space heaters can increase the risk of fire.

A picture-perfect winter requires a few precautions

Here are a few of tips to help reduce weather-related hassles this winter.

Winter-proof your vehicle with good snow tires or chains, new wiper blades, antifreeze, and emergency road supplies.

Keep your attic cool to help prevent ice dams. Insulate the attic floor and make sure it is well-ventilated.

When winter storms hit, be smart

If you do not have to drive, stay put. If you must drive, make sure you’ve winterized your auto and have a full tank of gas.

When the air is cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes. If pipes do freeze, let them thaw normally—they’ll be less likely to burst.

And if the power is out, make sure you avoid leaving candles or fires burning unattended. If you use a portable generator, follow the instructions and do not use it indoors.

Know what your insurance covers

We want to help you rest easy.  You will be more relaxed when you know you have prepared your property to lessen the chance of winter storm damage. Your home and car insurance policy covers repair or rebuilding costs. However, your deductible does apply. Check your policy to see what is covered and to confirm the deductible you have chosen.

If you have any questions about your coverage, call Denver Insurance LLC at 720-446-5566 and we will gladly review your options. Click below to start a free insurance quote for your home or auto insurance.

It could! If you have Safeco Insurance, you have the option to add coverage for your dishwasher, refrigerator, oven, air conditioner (AC), washer, dryer and more! Introducing equipment breakdown insurance.

For an average of $2 per month, you can add Equipment Breakdown insurance coverage to your home insurance and cover your appliance for sudden and accidental stoppage from a broken part.

Home insurance in Colorado can be customized to your needs. Contact us today to find our more. Please contact us to see how much you can save on a free homeowners insurance quote.  Denver Insurance LLC is here to help you!

Safeco Insurance Now Offers Equipment Breakdown Coverage

Equipment Breakdown Insurance Coverage:  Optional coverage that provides coverage for accidental direct physical loss to covered property caused by equipment breakdown (limit and deductible apply). The wear and tear exclusion in the policy applies to this coverage. Covered losses must be direct, accidental and sudden, such as a broken part or electrical arcing. Routine performance failure due to age is not covered. For additional details contact us.

For just $2 a month, Equipment Breakdown Insurance Coverage is a cost-effective way to keep critical household equipment up and running after a mechanical or electrical breakdown—which are often not covered under a standard Homeowners policy. Some of the coverage highlights include:

Broad Coverage – Home mechanical, electrical, and electronic equipment is covered including appliances, heating and cooling systems, televisions and computer equipment.*

High Limit and Low Deductible – Coverage up to $50,000 and a deductible of just $500.

Energy Star – After a loss, provides a greener replacement by covering the additional cost to replace non-Energy Star® equipment with Energy Star® rated equipment (up to 125% of value to repair or replace).

Expedited Repair or Replacement – Accelerates recovery by paying the extra costs to expedite repair or replacement (up to $3,000 per occurrence).

No Adverse Premium Impact – Any claims made under this coverage option will have no impact on future premiums.

Note:  The policy wear and tear exclusion applies to this coverage.*

Please refer to your policy for additional details on equipment breakdown insurance. \Every claim is evaluated on an individual basis.

 

If you drive in Denver, Colorado, then you could benefit from Safeco RightTrack® by saving hundred of dollars with this cool driving device.

Safeco RightTrack is an app provided by the Liberty Mutual Group/SafeCo Insurance, one of the nations top auto insurance companies that offers insurance to motorists in Colorado. The purpose of the device is to more accurately track your driving habits to help you save you money on your insurance premiums. This is a much fairer strategy than basing your rate on your demographic, type of car and region you live in. 

How Safeco RightTrack® Works

Insurance companies know that safe drivers are less likely to make a claim, but it’s hard to work out who is a safe driver, and who isn’t, just from demographic information (such as your age and where you live). It’s much more accurate to collect information about a driver’s habits and then use that to work out how much they should pay in premiums. Safe, cautious drivers who stay under the speed limit will, naturally, pay less than those who brake suddenly, take corners at high speed and disobey road safety laws. 

There are two ways in which you can use Safeco RightTrack; either through their plug-in device or their mobile app

  • The plug-in device is a small device containing a suite of sense that Denver motorists install on their vehicles to track their driving. The device connects to an OBD-II port which is usually located under the dashboard.
  • The other option is to install the Safeco Right Track mobile app. The app works by using your phone’s onboard sensors to track your driving performance. The benefit of the app is that it is straightforward to download and install on either Android or iPhone devices. 

How Much Can You Save In Denver With A RightTrack® Device?

The savings from installing a Safeco RightTrack ® device are substantial. SafeCo Insurance Reviews says that it will apply a discount of between 5 and 30 percent, depending on its interpretation of the data. The cuts are automatically applied to your policy, based on your driving behavior – there’s no need to call the company or negotiate rates. 

How Can You Get A Safeco RightTrack® Device?

If you’ve decided to have a Safeco Right Track device fitted, how can you make it work for you and get close to the maximum 30 percent off your monthly premiums? 

  1. Drive Less Often – Insurance companies know that the further you drive, the more likely you are to have an accident at some point. The less you drive, therefore, the higher your discount should be, all else equal.
  2. Avoid Hard Braking – Insurance companies consider hard braking dangerous. You might just like braking hard, but from the perspective of the insurer, it’s more likely because you’re not paying attention to the road ahead. Hard braking increases your chances of being shunted from behind and also ramming into vehicles queued up ahead. If you want your premiums to fall, then it’s best avoided.
  3. Drive Less At Night – Driving at night in Denver, Colorado, between midnight and 4 am is more dangerous than during the daytime. Limit your driving to the day if you want to cut costs. 
  4. Don’t Accelerate Rapidly – Rapid acceleration is a proxy for aggressive driving and could be an indication of your overall road temperament, including your propensity to perform dangerous overtaking maneuvers.

What About Your Personal Data? 

Although the Safeco system collects a lot of data about your driving habits, it won’t affect your ability to get insurance in the future. Personally identifiable information – such as the data transmitted from your plug-in device to Liberty Mutual Group/Safeco Insurance – is not distributed to other parties outside of the company.

Safeco RightTrack®, therefore, offers Colorado drivers a low-risk way to reduce their premiums, especially if you follow safe driving habits. 

Do you feel like you are a good driver and deserve a discount? Well, now is your chance to save money on your car insurance with Safeco RightTrack®

Safeco Insurance has introduced a program to reward good drivers in Colorado. SafeCo RightTrack® is a telematics device that is easy to use and guarantees 5% savings just for signing up. The small device easily plugs into your car and monitors your driving habits. Driving habits include: stopping and starting patterns, the time of day that you drive and your mileage.

You use the device for 90 days and receive updates online about your progress. The best drivers receive up to a 30% discount on their car insurance

Setting Up Your RightTrack® Device

Setting up a Safeco RightTrack® device is relatively straightforward. 

First, you’ll need to contact Liberty Mutual Group, tell them that you’d like to use  Safeco RightTrack® as part of your insurance policy. 

Next, Liberty Mutual Group will come and install the plug-in device on your vehicle into the aforementioned OBD-II socket on your car. 

Then you’ll need to drive with the unit for around 90 days for it to collect sufficient data about your driving habits, including how much you drive and how suddenly you accelerate or decelerate. Liberty Mutual Group then crunches the numbers to see whether you’re a safe driver or not. 

Finally, based on the results, you’ll be granted a discount on your insurance premium. Liberty Mutual Group says that Denver residents are guaranteed savings and that their premiums won’t go up after having the device fitted. 

Safeco wants to reward you and not punish you so your rate will not be negatively impacted. With RightTrack, you can’t lose and many of our Denver clients are taking advantage of this new technology to get the best insurance rates.

We offer the RightTrack® option to all of our SafeCo customers.

To get Safeco RightTrack® you must have a Safeco policy.  We can get you a Safeco insurance quote and compare it against 32 other insurance companies.

Just fill out this form to get a free online quote and see how much you can save or contact us today!