Are DIY Home Security Systems Effective at Protecting My Home?

Bailey, Conifer, Buena Vista, or Salida CO or Flagstaff, AZ residents who are interested in learning more about DIY home security systems can talk to the agents of Centennial State Insurance Agency. DIY home security systems are just as effective at protecting your home as the professional systems, but with a few key differences that you need o know about. The systems are easy to install and can be moved if you chose to relocate to another state. Understanding their limitations and taking responsibility for your home are key factors in protecting your home and family.

Effective Equipment

Most DIY home security systems come with the same equipment as professional systems. You normally receive door and window sensors, a siren, a keypad and motion detectors. You can also purchase additional items like smart door locks, security cameras, and video doorbell viewers that allow you to have more access to your home while you are away.

It’s Up to You!

The main difference between a professional system and a DIY system is that you must do all of the work. From installing the system to monitoring it, it’s up to you as to how effective the system will be. Closely monitoring your system and staying alert when you receive a notification is the key to keeping your home secure.

The agents at Centennial State Insurance Agency are always available to help Bailey, CO residents find the answers they need to all of their home insurance questions. Visit their office today or call and schedule a meeting so you can go over the benefits of having a DIY home security system in place. They have the answers you need to keep your home secure!

What does comprehensive auto insurance cover?

Living in Bailey, CO or Flagstaff, AZ offers all the benefits of a small town surrounded by wilderness. Along with that comes all the hazards that can be really tough on a driver. At Centennial State Insurance Agency we understand what drivers have to contend with when the weather can be a challenge and wild animals can dart into the road without any warning. In Colorado, drivers are required to carry liability insurance but beyond that, unless you have a car loan you don’t need to carry anything else. Comprehensive auto insurance covers many of the hazards that life in the wild can throw at you. 

Comprehensive auto insurance is also known as not collision coverage. What this means is that it covers many of the things that can happen to your vehicle that don’t involve another vehicle. It covers things such as hail which can cause great damage to your paint job and if it is baseball size it can leave lots of dents. High winds can bring down tree branches that sometimes land on your vehicle. You may have your vehicle parked n the street or in a parking lot where it gets vandalized. Most comprehensive policies also cover glass and usually, this has no deductible. Wild animals can dart into the road and be unavoidable.

Theft of your vehicle is probably the most important coverage that comprehensive auto insurance offers. When your vehicle is stolen there is no guarantee that you will ever get it back and even if you do, it may not be in good condition. Being able to repair or replace your vehicle is very important to most people. 

When it comes to car insurance, you have choices. You can decide what kind of coverage works best for you and your situation. At Centennial State Insurance Agency in Bailey, CO our team has the information that you need to make an educated decision. Why not give us a call or stop by our office to discuss the different coverage that is available and get a no-obligation quote.

3 Things to Know Before Selecting a Commercial Insurance Policy

Before you select a commercial insurance policy in Bailey, CO, Centennial State Insurance Agency wants you to keep a few things in mind. Most businesses are required to have some type of coverage, but not every policy is created equal. These tips can make it easier to decide if you’re coming down to the wire. 

1. Consider the Worst

Insurance is all about preparing for both the expected and unexpected. So if a snowstorm causes your roof to collapse, you don’t have to file for bankruptcy. Not every plan will cover certain things, so you need to think about how this will affect you. For example, a standard-issue policy may help the vast majority of the expenses for a roof repair, but it may not cover the income you lost while you had to close up. To get that extra consideration, you would need to purchase more comprehensive coverage. 

2. Liability Concerns 

Customers can sue for any number of reasons, and the legal fees from even a single case can be devastating for commercial business owners. Choosing a policy with a low amount of coverage can end up destroying a business from the inside out. Some people will even go so far as to take out umbrella insurance policies that will give them additional coverage when the hit the limits of a normal policy. 

3. Having a Contact Matters 

Who you choose to cover you is almost as important as the type of plan you purchase. If you have questions about the right options for you, call Centennial State Insurance Agency. We help the business owners of Bailey, CO find coverage that will be of use to them when the tough times strike. Give us a call today to learn more about how we help. 

Home Insurance Basics: What Is A “Covered Peril”?

If you’ve been shopping for homeowners insurance for your Bailey, CO or Flagstaff, AZ home, you may have come across the term “covered peril” and wondered exactly what it means regarding your policy coverage. The short answer is that a peril is any risk that can cause damage to your home or belongings, such as theft or smoke/fire damage. A covered peril means your insurance policy will pay specific reimbursements based on the limits in your policy if the peril is covered. Every homeowner’s insurance policy has lists of covered perils, but not all perils are covered by all policies. For information about specific perils, contact your Centennial State Insurance Agency agent. Here are some of the most common perils and whether most homeowner’s insurance policies cover them. 

Open Perils 

Your homeowner’s policy coverage may be based on open perils. This provides protection from all risks unless your carrier specifically lists and exempts them.  

Named Perils 

Most homeowner’s insurance policies name specific covered perils.  Because they don’t provide as much protection as an open peril plan, policies with named perils are typically lower in cost. These tend to appeal to homeowners who only require insurance against theft, fire, vandalism, hail, and other common risks. 

Common Perils 

The most common perils homeowners face include: 

Fire – Your home, belongings, and other structures such as sheds and garages are usually covered against loss due to fire or smoke damage.  

Hail – Most insurance companies provide insurance coverage for hail damage. 

Theft – Most insurance policies cover theft up to the limit of the policy. 

Windstorm – Tornadoes and hurricanes are generally covered by most property insurance policies., but it may require a higher deductible, and will not cover flooding.  

Flood – Flood insurance is generally not a covered peril in most homeowner’s insurance policies, and requires an additional rider for coverage. 

Earthquake – If you live in an earthquake-prone area, check your policy, because earthquakes are not usually covered by homeowners insurance without an additional earthquake policy.  

Remember that open peril homeowner’s policies don’t cover every loss, and named peril coverage may not be as limited as it sounds. If you have questions about what type of homeowners insurance will cover your Bailey, CO home best, give Centennial State Insurance Agency a call today. 

What You Need to Know About Auto Insurance

Making sure your car’s insured is important because cars can be big investments. You also want to have your vehicle protected since you need it to get to and from work, school, and other places. But what do you really need to know about car insurance? How can you choose the right policy for your needs? At Centennial State Insurance Agency, we can help ensure you have proper coverage for your Bailey, CO or Flagstaff, AZ area vehicle. Here are a few things you should consider about your car insurance.

Auto insurance is required in Colorado and Arizona and there are limits you have to have to comply with state laws. While you don’t need to have collision or comprehensive coverage to be in compliance with the law, you do need to have basic coverage. Still, it’s a good idea to have more than just state minimums, since accidents and other problems can often put a strain on you. The more protection you have, the more peace of mind you’ll have, as well. If you aren’t sure what coverage you should have, or what you need to feel protected and safe, talking to a trusted agent can help with that.

At Centennial State Insurance Agency, we service the Bailey, CO and Flagstaff, AZ area. Come in and talk to us, give us a call, or reach out online, and let us work with you to get the right auto insurance policy for your needs. You should know about the coverage options and requirements, so you can make an informed choice. We’ll do our best to give you all the information you need, and that way you’ll have the opportunity to get a policy that’s truly going to be right for you. That’s a great way to know your car will be properly covered.

Do You Need Commercial Insurance If Your Business Is Located In Your Home?

If you have a home-based business, you probably have questions regarding the type of insurance coverage you need to adequately protect yourself from risk. If your home also serves as the location of your business, you should learn about the types of commercial coverage you need to have a blanket of protection.

Commercial Insurance For Your Home Based Business

If you work from home, there are generally two different types of commercial insurance you will need to purchase to have adequate coverage. The first is commercial liability coverage to protect you from harm to others and damage to your property. The second is commercial property coverage which protects your assets in your home-based business such as your structure. To determine which types you should purchase, as well as the level of coverage, you should consult an experienced insurance agent. 

Finding The Right Agency

Finding an agency that can meet your needs and deliver personalized customer service is a major step towards acquiring the commercial insurance coverage you need to protect your home-based business. If you are looking for coverage options and live near the Bailey, CO area, you can count on Centennial State Insurance Agency to provide you with the tools you need to protect your business and property. They can even help you file a claim during the life of your policy. 

Get the insurance products you need, complete with top-notch customer service from the agents at Centennial State Insurance Agency serving Bailey, CO and the surrounding areas. Call or stop by the office today to speak with an agent or to schedule a consultation regarding coverage for your business. 

Home Security Tips for When You Go on Vacation

Do you know how to keep your home secure when you leave for a vacation? There are a number of things you can do to protect your property, including various technological devices.

Keep Your Home Maintenance Schedules the Same

You should have the pool cleaning guy and landscaping crew visit for their regular appointments while you’re away. This will help prevent any thieves from easily finding out that you are out of the home for an extended period of time.

On the same note, have your newspapers, magazines, and any other mail that’s scheduled to arrive held at the post office. Alternatively, you can have a friend or family member pick up your mail so it’s not left sitting out for days.

Avoid Leaving a Key Outdoors

Do you normally keep a key under a potted plant or yard chair cushion? If so, you probably should give it to a designated person instead. Anyone who will need to enter your home while you’re gone, such as someone who is feeding your pet(s), should have a key anyway.

Keep Social Media Updates to a Minimum

Mainly, keep from mentioning on your social media that you’re away. Share the news with friends in private messages, and save your amazing photos for when you get back. Definitely make sure that your address is not listed anywhere on your profile if you do mention you’re leaving.

Use a Home Monitoring System

Though these tend to be on the pricey side, there are now more options on the market than ever before. This means you can find something more reasonably priced. Set up your system view live video remotely, or even just a reliable camera in the instance that something happens at your home and you will have the proof right there.

If you want information on how to insure your home, contact Centennial State Insurance Agency today. Serving the greater Bailey, CO area, Centennial State is sure to have options that fit your needs.

Safe Driving Tips for a Colorado Road Trip

With summer right around the corner, there’s no time like the present to prepare for your upcoming road trip. The following safe driving tips from Centennial State Insurance Agency in Bailey, CO can help you have a safer, more enjoyable journey.

Service Your Vehicle

Service your vehicle to make sure it’s safe for hitting the road. Ask your mechanic to give it a thorough inspection to include checking the tires, brakes, fluids, wipers, and lights. Get an oil change if needed and check your spare tire to ensure it’s in good shape.

Take Frequent Breaks

If you get tired while driving, take a break. Driving when drowsy increases your risk of accidents. Pull over and rest from time to time to stay alert or switch off on drivers if you’re traveling with companions who can help carry this load.

Map Out Your Trip 

Map out your journey so you can enjoy it to the full and avoid getting lost. Keep your GPS handy and have written directions as a backup to keep you on course. If you decide to deviate for food or pleasure, having a mapped out route will make it easier to get back on course when your detour is done.

Pack an Emergency Kit

Pack a car emergency kit to handle emergencies that may occur on the road. Your kit should have such basics as a cell phone with mobile charger, first aid supplies, drinking water, fire extinguisher, flares, tire sealant, jumper cables, flashlight and simple tools to work with for minor repairs.

Update Your Auto Insurance

Make sure your auto insurance is up to date to protect you on the road. Contact Centennial State Insurance Agency in Bailey, CO today for the auto insurance protection you need to enjoy your Colorado road trip to the full.  

3 Tips for Buying Home Insurance in Bailey, CO

If you own a home, you know what a significant investment this represents. As a result, you need to ensure you protect it. Regardless of the location or price tag on your home in Bailey, CO, using the services of Centennial State Insurance Agency can help make sure your home is protected. Keep reading to learn how to purchase this insurance and how to get an affordable price.

1. Compare Quotes

One of the first things you should do when it is time to purchase homeowner’s insurance is to compare quotes from various service providers. Take some time to “see what’s out there.” By doing this, you can compare offers line by line to find out which one offers the most value. Keep in mind, the insurance company with the most value isn’t always going to be the one with the lowest prices.

2. Bundle Policies

Do you have car or life insurance with an insurer already? If so, you should consider bundling your insurance with this company, too. In many cases, by bundling all your polices with the same provider, you can save a significant amount of money. An added benefit of doing this is the fact that it’s much easier to keep track of everything and ensure it is paid on time month after month.

3. Work with a Reputable Agent

Perhaps the most important thing you can do when buying home insurance is to find a reputable agent. This person will help ensure you get the coverage you need for a price you can afford. If you are ready to purchase homeowners insurance for your home in Bailey, CO, contact the team at Centennial State Insurance Agency to get started. We will help you get the policy you want at the right price.