Mountain Insurance in Eagle, CO

mountain insurance in eagle co

Eagle, CO, is home to the Camelot Balloons Inc., Eagle Town Park, Eagle Ranch Golf Course, and Eagle River Park. This town offers countless activities to its residents and guests year-round, surrounded by nature. However, it is important that homeowners and business owners alike secure proper wildfire insurance for their property and assets. In the content below, we will explore how wildfire insurance is imperative to those living near the mountains, and the types of mountain insurance in Eagle, CO.

Mountain Insurance and Wildfire Insurance

While living in or near the mountains, you get the breathtaking views of forestry, lakes, and mountainous peaks. However, while enjoying the nature around you, it may be easy to forget the danger it can bring.

According to Eagle County’s official website:

In Colorado, the wildlands that are prone to fire overlap expanding mountain subdivisions. This overlap is called the red zone. It is also referred to as the wildland-urban interface. Since fire is common in the red zone, special precautions are necessary for homeowners and land managers.”

In unanticipated events such as wildfire, it is comforting to know that you and your family or business will be properly taken care of when covered under mountain insurance in Eagle, CO. Below, we explore the best mountain insurance coverages to secure in the event of a wildfire.

Additional Living Expense Coverage

A wildfire can quickly destroy anything in its path. Regarding wildfire coverage, an additional special insurance coverage to consider purchasing is the additional living expense. This refers to the amount paid to you if you need to evacuate or find temporary living arrangements throughout the duration of your home rebuild. It is paramount to solidify an adequate amount of coverage for the duration of time you are out of the home.

Replacement Cost Coverage

It is crucial that you ensure your personal property coverage contains replacement cost coverage on your policy to reimburse you for any personal items in your home lost in a fire. This coverage allows a full reimbursement to replace your items at no additional cost to you.

Separate Structures Coverage

Your separate structures are another area of concern to properly insure in the event of a wildfire. These structures may include detached garages, sheds, or other items built on your property. Oftentimes, in original policies, these are written with low coverage limits. However, they can be increased to make sure there is adequate coverage.

Auto Coverage

You must not forget to insure your autos and secure adequate coverage. By failing to obtain comprehensive coverage on your automobiles, you risk not receiving a replacement vehicle in the event of a comprehensive auto claim, such as a wildfire.

Secure Your Mountain Insurance and Wildfire Coverage with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Eagle, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt and you are properly taken care of. 

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

Contact us to compare quotes and properly insure your home, property, and automobile today!

Will Home Insurance Cover An Uninsured Car?

Your everyday car, the one that you use to go to work, the one that you use for grocery trips, that one’s going to have its own car insurance policy. But what about the old clunker in the garage, the one that could be a thing of beauty when you get the time to repair it? You don’t exactly want to take out a whole car insurance policy for something that you’re not taking out on the road anytime soon, but what if something happens to it? Will your home insurance foot the bill?

The short answer: No. Unless you have a rider specifically covering that car.

Your home insurance can cover a car in storage, but only if you specifically arrange that with your insurer. In other words, you can’t just add it to your inventory along with jewelry and electronics, you have to actually call your Bailey, CO insurance agent and work something out.

You can get covered for a car that you store at home, but it’s not just another “possession,” so your insurance policy isn’t going to cover it by default.

If your car is being stored at a facility, the owners of that facility may have their own insurance in place for you, or a policy you can buy, and you don’t have to worry about it. But if you keep an old out-of-commission car at home, you’re going to want to make arrangements.

If you’re looking to get covered in Bailey, CO, get in touch with us at Centennial State Insurance Agency. You can call, go to the Centennial State Insurance Agency website, or stop by the offices, and we’ll see what we can do for you.

Mountain Insurance in Breckenridge, CO

Mountain Insurance in Breckenridge, CO

Breckenridge, CO, is home to the Breckenridge Ski Resort, Nordic Ski Center, Mohawk Lakes, and Epic Discovery. This town offers countless activities surrounded by nature to its residents and guests year-round. However, it is important that homeowners and business owners alike secure proper wildfire insurance for their property and assets. In the content below, we will explore how wildfire insurance is imperative to those living near the mountains, and the types of mountain insurance in Breckenridge, CO.

Mountain Insurance and Wildfire Insurance

While living in or near the mountains, you get the breathtaking views of forestry, lakes, and mountainous peaks. However, while enjoying the nature around you, it may be easy to forget the danger it can bring.

The Cherry Canyon Fire from May of 2020 brought devasting flames across 11,818 acres located 10 miles NW of Kim, CO. Although started from a natural strike of lightning, this canyon fire could have made many homeowners homeless for a time.

In unanticipated events such as this, it is comforting to know that you and your family or business will be properly taken care of when covered under mountain insurance in Breckenridge, CO. Below, we explore the best mountain insurance coverages to secure in the event of a wildfire.

Replacement Cost Coverage

It is crucial that you ensure your personal property coverage contains replacement cost coverage on your policy to reimburse you for any personal items in your home lost in a fire. This coverage allows a full reimbursement to replace your items at no additional cost to you.

Separate Structures Coverage

Your separate structures are another area of concern to properly insure in the event of a wildfire. These structures may include detached garages, sheds, or other items built on your property. Oftentimes, in original policies, these are written with low coverage limits. However, they can be increased to make sure there is adequate coverage to replace these.

Additional Living Expense Coverage

As it pertains to wildfire coverage, an additional special insurance coverage to look for is the additional living expense, the amount paid to you if you need to evacuate or find temporary living arrangements throughout the duration of your home rebuild. It is paramount to solidify an adequate amount of coverage for the duration of time you are out of the home.

Auto Coverage

Finally, do not leave your autos uninsured or without adequate coverage. By failing to secure comprehensive coverage on your automobiles, you risk not receiving a replacement vehicle in the event of a comprehensive auto claim, such as a wildfire.

Secure Your Mountain Insurance and Wildfire Coverage with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Breckenridge, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt, and you are properly taken care of. 

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

Contact us to compare quotes and properly insure your home, property, and automobile today!

Wildfire Insurance in Flagstaff, AZ

Wildfire insurance in Flagstaff, AZ

Known as “The City of Seven Wonders” and home of the Arizona Snow Bowl, Meteor Crater, and the Painted Desert, Flagstaff, AZ promises year-round leisure and entertainment. However, as wildfire serves as the most prominent threat, responsible for 60-100 wildfires annually, it is paramount that you obtain wildfire insurance in Flagstaff, AZ. 

In the content below, we explore the importance of securing wildfire insurance, discuss what wildfire insurance covers, and share what to remember when filing a claim. 

The Importance of Securing Wildfire Insurance

Doug Compton, CEO of Centennial State Insurance Agency, advises in his wildfire insurance video: “If there is a fire in the area, you may not be able to make changes, additions, or take out a policy in the future.” Therefore, it is vital to ensure you have proper homeowners insurance or commercial insurance in place that covers rebuilding if your home or business is lost in the fire.

To effectively determine the anticipated cost to rebuild your home in Flagstaff, calculate the value by a cost per square foot formula. “It’s also important to make sure that you [have] guaranteed replacement cost or extended replacement cost on [your current] policy,” Doug continues. “This is an additional amount of coverage provided by the company you’re with.”

What Does Wildfire Insurance Cover?

A wildfire can damage anything in its path. Therefore, for residents and businessowners with any form of property in Flagstaff, AZ, it is important to understand what wildfire insurance covers.

The Structure

Oftentimes, a standard homeowners policy covers destruction and damage caused by fire, which can include wildfires. If a wildfire brings damage to the structure of your home or business, your insurance company compensates for the rebuilding or repairs needed, including the remediation of smoke damage.

This structural coverage also includes the outbuildings on your property. Other structures can include a garage or toolshed. 

For homeowners or renters with policies insuring a condominium or apartment, refer to the association’s by-laws or underlying lease to determine your personal insurance responsibilities and those of the association.

The Contents

Content coverage insures all items within your home or business that are not structural, such as clothing and furniture. Therefore, a homeowner or renter’s policy includes coverages for your belongings in the event of loss or damage. Additionally, content coverage insures you in cases of theft or vandalism (if looting or robbery occur in the wake of a wildfire). For homeowners, trees or shrubs are covered under set policy limits.

The Expenses of Temporary Living Arrangements

When your home is damaged or rendered uninhabitable as a direct result of a wildfire, this coverage helps compensate you for any additional living expenses (ALE) while living outside the home. These expenses can include hotel accommodation fees, meals, and other travel arrangements.

Your Vehicle

Comprehensive auto insurance secures coverage for any damages against your vehicle in the event of a wildfire or vandalism as a direct result of the wildfire. While this coverage is optional, it could mean the difference of paying the deductible or the entire expense of purchasing a new vehicle.

What Should I Do When Making a Wildfire Claim?

If a wildfire damages any of your property, it is imperative to take the following steps:

Contact Your Insurance Provider Immediately

Each state and insurance company mandates a designated time limit as to when a claim can be reported. Therefore, you have a limited time in which your claim is valid for consideration and evaluation. Because the claim process may take some time, depending on the severity of the claim, it is best to contact your insurance agent or broker in a timely fashion. At that time, you can ask your insurance provider about claim filing requirements and next steps.

Typically, your insurer will obtain repair estimates, requiring a visit from an insurance adjuster to appraise the value of the damage. Additionally, they will require a submitted “proof of loss” form that details each item lost in the wildfire, the approximate date of purchase, and the cost to repair or replace each item lost. To help prepare ahead for a wildfire, you can complete a thorough home or business inventory.

Do Not Discard Damaged Items

Although your insurance policy includes coverage limits, it is beneficial to keep any damaged items when it is possible and safe to do so. By doing so, it allows an insurance company representative to assess the damage and create a more accurate claim report.

Secure Your Wildfire Coverage with Centennial State Insurance Agency

If you are looking for wildfire insurance in Flagstaff, AZ, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt and you are taken care of. 

Contact us to compare quotes and properly insure your home, property, and auto today!

When does someone need an auto insurance policy?

If you are in the Bailey, CO area, owning a car is usually a necessity. Not only will this help you to get around town, but it will also give you a convenient way to get out and see all that the state of Colorado has to offer. When you do own a car here, it is also a good idea to get auto insurance. There are several situations when someone here will need to have an auto insurance policy.

When Taking out a Loan

One situation when you will need to get an auto insurance policy is when you are going to take out an auto loan. If you do take out an auto loan, it is important that you continue to comply with all of your lender’s guidelines. This will almost always mean you have to carry a policy with a full collision and comprehensive insurance coverage. 

When Driving on Public Roads

Another situation when you will need to have an auto insurance policy is when you are driving on a public road. Those that want to drive their car in public in Colorado need to comply with the state minimum requirements that govern auto insurance. This will require that you have liability insurance, which ensures you are able to pay for damages caused in an accident.

Picking a new auto insurance policy is always a big decision. When you are searching for a new policy in the Bailey, CO area, you should call the team at Centennial State Insurance Agency. When you work with Centennial State Insurance Agency to pick an auto insurance policy, you will receive a lot of support that can help you to choose a policy that is right for you based on your needs and situation. 

Small Business Insurance Coverage in Buena Vista, CO

small business insurance coverage in Buena Vista, CO

As a small business located in Buena Vista, CO, when was the last time you reviewed your insurance coverages? Are you adequately insured? Are you wondering what coverages your business should have in place?

Doug Compton, CEO of Centennial State Insurance Agency, advises in his small business insurance video: “It’s important as a small business owner to protect your investment. You need to make sure that you have proper liability insurance, that your property is covered, and that you have [workers compensation] insurance if you have employees.”

Small Business Insurance Coverage

Below are some important coverages to secure for your small business:

Property Coverage

Commercial property coverage protects your business structure. However, although commercial property insurance covers some types of water damage, flood insurance is designed to cover damage as a direct result of flooding from either natural or man-made causes. Therefore, it is a separate policy that requires a separate purchase from the standard commercial insurance.

Liability Insurance

Liability insurance protects your business assets and covers costs that come up if someone is hurt in your business. It also may cover injuries and damages caused by employees while on the job.

small business insurance Buena Vista

Commercial Auto Coverage

It is paramount that your business secures auto insurance for any commercial vehicles. Like other states, the state of Colorado requires that you always carry minimum liability insurance. To drive legally in the state of Colorado, you must also always carry $15,000 worth of property damage coverage. Additionally, you need to secure bodily injury coverage of at least $50,000 per incident and $25,000 per person.

Workers Compensation Insurance

Workers Compensation Insurance coverage helps you take care of your employees in the event of an accident and injury. It provides medical expenses, lost wages, and rehabilitation costs to people who became injured or ill at work. Additionally, workers compensation also pays death benefits to families of employees who have passed away while on the job or as a result of the job.

Cyber Insurance

Doug Compton warns that “in today’s world, it is important to look at cyber insurance” regardless of the current size of your business. Many states, including Colorado, have enacted strict laws on how your business is required to protect others’ information.

Hackers are not the only way cybercrime can happen. Ex-employees can steal and distribute company data. Current employees can be tricked into breaking procedure or doing non-work-related tasks at the office. It can also be as simple as misplacing a flash drive or leaving your laptop in the booth at a restaurant.

Small Business Insurance in Buena Vista, CO: Centennial State Insurance Agency

If you are looking for any form of small business insurance in Buena Vista, CO, our experts at Centennial State Insurance Agency are ready to help!

As a proud member of the Buena Vista marketplace, we understand what is takes to secure proper commercial coverage at the right rates to ensure your small business is effectively taken care of. 

Contact us to compare quotes and properly insure your business, property, and auto today!

Should I get commercial insurance for my Colorado business?

Anyone that has been to the Bailey, CO area knows that it is a strong community with a good local economy. Due to this, owning a business here could be a great option. When you own a business here, there is a lot of opportunity for success. At the same time, there are some risks. One way that you can protect yourself and your business are by getting a commercial insurance policy.

Liability Protection

One reason why you should get a commercial insurance policy is that it can provide you with liability protection. A small business owner in Colorado is going to take on some liability risk at all times. To ensure that you are able to mitigate this risk, you need to have insurance coverage. This coverage will be included in your commercial insurance policy.

Protects Assets

When you get a commercial insurance policy, you are also going to receive coverage to protect your assets. A business owner needs to make sure that their assets are properly covered. If you have a commercial insurance policy, you are going to receive the coverage you need to repair or replace your assets if they are damaged or stolen. 

If you are going to start a company in Bailey, CO, and need insurance, it is important to have someone help guide your decision. Due to the complexities that come with picking commercial insurance, you should reach out to the team at the Centennial State Insurance Agency. When you speak with the team at the Centennial State Insurance Agency, you can receive the guidance and support that you need to choose a policy that is right for your business. They will evaluate all of your risks and options to ensure you receive proper support and coverage. 

Wildfire Insurance in Dillon, CO

Are you properly insured in the event an unforeseen wildfire sweeps across Dillon, CO? Regardless of the season, it is best to prepare ahead for a wildfire by putting proper insurance coverage in place.

Doug Compton, CEO of Centennial State Insurance Agency, advises in his wildfire insurance video: “If there is a fire in the area, you may not be able to make changes, additions, or take out a policy in the future.” Therefore, it is paramount to ensure you have proper homeowners insurance in place that covers rebuilding if your home is lost in the fire.

To effectively determine the anticipated cost to rebuild your home in Dillon, CO, calculate the value by a cost per square foot formula. “It’s also important to make sure that you [have] guaranteed replacement cost or extended replacement cost on [your current] policy,” Doug continues. “This is an additional amount of coverage provided by the company you’re with.”

Replacement Cost Coverage

Additionally, it is equally important to ensure that your personal property coverage contains replacement cost coverage on your policy to reimburse you for any personal items in your home lost in a fire. This coverage allows a full reimbursement to replace your items at no additional cost to you.

Separate Structures Coverage

Your separate structures are another area of concern to properly insure in the event of a wildfire. These structures may include detached garages, sheds, or other items built on your property. Doug explains, “Oftentimes, in the original policies, these are written with low [coverage] limits, but can be increased to make sure that there’s adequate coverage to replace these.”

wildfire insurance in Dillon, CO

Additional Living Expense Coverage

As it pertains to wildfire coverage, an additional special insurance coverage to look for is the additional living expense, the amount paid to you if you need to evacuate or find temporary living arrangements throughout the duration of your home rebuild. It is paramount to solidify an adequate amount of coverage for the duration of time you are out of the home.

Auto Coverage

Finally, do not leave your autos uninsured or without adequate coverage. By failing to secure comprehensive coverage on your automobiles, you risk the result of not receiving a replacement vehicle in the event of a comprehensive auto claim such as a wildfire.

Secure Your Wildfire Coverage with Centennial State Insurance Agency

If you are looking for wildfire insurance in Dillon, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt and you are taken care of. Contact us to compare quotes and properly insure your home, property, and auto today!

Tips to Keep Your Home Safe While on Vacation

It’s time for your yearly family vacation, excitement is in the air, the suitcases are packed and by the door. However, did you remember to secure your home while you’re away?

Statistics show most homes are broken into while the residents are out of town, don’t be an unscrupulous robbers’ next victim.

If you need to update your homeowner’s insurance policy with Centennial State Insurance Agency in Bailey, CO gets it taken care of before you head off on your vacation.

The following tips will help defer any robbers’ and make it look like your home is occupied and you’re going about your business as usual.

Technology & Inside Your Home

Smartphones are a great way to help keep your home safe. You can turn lights on and off at specific times, however, it’s best to mix it up just a little such as turning the lights on and off at a different time each day you’re away but only by 15 minutes or so because very few people have such a rigorous schedule that they turn their lights on and off in the same rooms at the same time. You need to stagger it a little bit different lights at different times.

Also, it goes without saying make sure all your windows and doors are securely locked before you leave.

Outside Your Home

If you have a garage park your car in it, this way no one will know it hasn’t left the driveway in days. Do not leave a key outside and have your newspaper service stopped while you’re away and have the post office hold your mail. Have your landscapers come at their regular time. If you have a sprinkler system leave that as it is and have a family member, friend, or neighbor stop by daily at a different time and check things out to make sure all is well.

Once you return home you may decide to make some changes to your homeowners’ policy call Centennial State Insurance Agency in Bailey, CO to set up an appointment.

Do Disabled Drivers Need Special Auto Insurance?

Do Disabled Drivers Need Special Auto Insurance?

When it comes to finding the right insurance, each individual may face certain challenges. This is especially true when seeking auto insurance for disabled drivers. Disability can range from mild to situations where there is a need for special equipment that needs to be insured. 

Are you curious about any special modifications regarding insurance for disabled drivers? In the content below, we discuss special driver disability insurance modifications and explore how to find the right policy for you.

Special Disability Modifications for Vehicles

In instances where a vehicle needs to be modified to accommodate a handicapped driver, there may be a need for special coverage to include modifications and extra essential equipment such as loading ramps and lifts. If anyone who is currently searching for auto insurance has questions about coverage for people with disabilities, they should reach out to an experienced insurance agent to get answers to their questions as well as find currently available options. 

Finding the Right Auto Insurance for Disabled Drivers

In special situations, it helps to have a professional insurance agency to help you work through issues and find policies that match current needs. The agents at Centennial State Insurance Agency, serving Bailey, CO, are committed to helping those with special situations and disabilities find the coverage options they need to feel secure day and night.

Shopping for special auto insurance doesn’t have to be confusing. Get assistance from agents that have insight and experiences to make the process quick and easy without having to guess about the terms and conditions or worry about gaps in coverage.

Anyone who has a disability and is currently looking for high-quality insurance products to give them peace of mind, should call or stop by Centennial State Insurance Agency, proudly serving Bailey, CO, to find out more about how to protect their vehicle and find insurance that gives them confidence.