Mountain Insurance in Glenwood Springs, CO

Mountain Insurance in Glenwood Springs, CO

Famous for its scenic Alpine and canyon views, Glenwood Springs, Colorado offers limitless adventure and opportunity. Home of the Glenwood Caverns Adventure Park, Hanging Lake Trail, Iron Mountain Hot Springs, and the Sunlight Mountain Resort, the city promises full entertainment and adventure for its residents and visitors all year long. However, despite the captivating beauty and adventure brought by Glenwood Springs, CO, it is important for those living in the area to always consider the risk of wildfires and be prepared in advance. In the content below, we discuss how you can prepare for wildfires by securing mountain insurance in Glenwood Springs, CO.

Mountain Insurance in Glenwood Springs, CO

It is easy to find yourself quickly immersed in the breathtaking and historical landscape of Glenwood Springs, CO. However, while immersed in the surrounding nature, have you considered the danger and risks associated with living near the mountains? In unpredictable acts of nature with events such as a wildfire, it is comforting to have confidence that you and your family will be properly cared for when covered under mountain insurance.

Update Your Mountain Insurance to Include Wildfire Coverage

Regardless of when the start of wildfire season is, contact your insurance agent to evaluate your individual risks and verify that you have adequate coverage. Keep in mind that once there is an active wildfire in or near your area, insurance plans will be placed on a temporary freeze, meaning that you cannot amend or issue any insurance policies until the fire is both controlled and extinguished.

Most people successfully secure dwelling coverage or homeowner’s insurance with adequate limits to replace any damage to the property in the event of a wildfire breaking out in your area. However, before your insurance policy freezes, here are a few additional measures you can take to adequately insure your home.

Replacement Cost Coverage

When a personal property coverage contains replacement cost coverage on your policy, that means it will reimburse you for any personal items in the event your home is lost in a fire. As a result, this coverage allows a full reimbursement to replace your items at no additional cost to you.

Separate Structures Coverage

Separate structures coverage protects additional buildings that are detached from your home. Examples may include detached garages, sheds, or other structures 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

A major wildfire can quickly destroy an entire neighborhood. Therefore, an additional special insurance coverage to look for is the additional living expense. This coverage refers to the amount paid to you if you need to either evacuate or find temporary living arrangements throughout the duration of your home rebuild. Therefore, if you are currently without this coverage, be quick to solidify an adequate amount of coverage to support the duration of time you would otherwise be out of the home.

Auto Coverage

In addition to extra homeowner’s insurance coverages, do not forget to verify that your auto insurance provides 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 Mountain Insurance in Glenwood Springs, CO with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Glenwood Springs, 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!

Mountain Insurance in Steamboat Springs, CO

mountain insurance in Steamboat Springs, CO

Settled just outside of Rocky Mountain National Park, Steamboat Springs, Colorado offers limitless adventure and opportunity. Home to multiple resorts, the Steamboat Ski Resort, Strawberry Park Hot Springs, Yampa River Botanic Park, and the Alpine Slide, the city promises full entertainment and adventure for its residents and visitors year-round. Although you may be captivated by the evolving beauty of Steamboat Springs, CO, you must always consider the risk of wildfires and be prepared in advance. Is your home in or near the area? We discuss how you can prepare for wildfires by securing mountain insurance in Steamboat Springs, CO.

Mountain Insurance in Steamboat Springs, CO

It is so easy to find yourself quickly immersed in the breathtaking landscape of Steamboat Springs, CO. However, while immersed in the surrounding nature, have you considered the danger and risks associated with living near the mountains? In unpredictable acts of nature with events such as a wildfire, it is comforting to rest assured that you and your family will be properly cared for when covered under mountain insurance.

Update Your Mountain Insurance Policy to Include Wildfire Insurance Coverage

Regardless if you are about to enter wildfire season or it just ended, contact your insurance agent to evaluate your individual risks and verify that you have adequate coverage. Keep in mind that once there is an active wildfire in or near your area, insurance plans are temporarily frozen, meaning that you cannot amend or issue an insurance policy until the fire is controlled and extinguished.

Most people successfully secure dwelling coverage or homeowner’s insurance with adequate limits to replace any damage to the property in the event of a wildfire breaking out in your area. However, before your insurance policy freezes, here are a few additional things you can do to protect your home.

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. Therefore, it is paramount to solidify an adequate amount of coverage for the duration of time you are out of the home.

Auto Coverage

It is imperative that your auto insurance provides 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 Mountain Insurance in Steamboat Springs, CO with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Steamboat Springs, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain insurance specialists, we understand what is takes to insure homes properly, making 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!

What Are the Reasons to Get Commercial Insurance in Colorado?

commercial insurance requirements

Owning a business is a great option for someone that is motivated and wants to be their own boss. If you have a dream of owning your own company, it is very important that you find a good location for it. A great place for anyone to start a business is in the Bailey, CO area. If you do start a business here, you should fulfill the commercial insurance requirement. There are several reasons why someone here needs to get into a quality commercial insurance policy for their business. 

Insurance Gives Important Coverage

One reason that you will need to get commercial insurance for your Colorado business is that it will provide very valuable coverage. Anyone that owns a business will need to ensure it is properly covered. Some ways that you can cover and protect your business is with a commercial insurance policy. This coverage can protect your business assets while also giving you liability protection. 

Insurance is a Requirement

You also will need to fulfill the commercial insurance requirement depending on the situation. It is very common for business owners to take out loans or equity from investors. In these situations, you are bound to have commercial insurance requirements that you should stay in compliance with. 

Fulfill Commercial Insurance Requirements with Centennial State Insurance Agency

As you are looking for commercial insurance for your Bailey, CO area business, it is important to speak with someone that can provide you with guidance and support. The team at Centennial State Insurance Agency can provide you the advice and support needed to choose a quality policy. We will also help you to understand your insurance needs and give insight into policy options that can offer the protection you and your company need. 

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

Homeowners Sewer and Drain Coverage

sewer and drain coverage

Replacing your sewer line is no walk in the park. When handling the expenses and completing insurance claims, it can be costly if you don’t have the right coverages in place. Are you a homeowner? Do you know if your homeowner’s insurance covers sewer and drain backup? Below, we discuss what sewer and drain coverage includes and explore two sewage backup scenarios.

What Does Sewer and Drain Coverage Include?

If the main sewer line off your property backs up and causes flooding into your house, sewer and drain coverage applies to damage to the property in your house. However, coverage only applies if the sewer line backs up off your property line. This means that the main sewer line in the street, or the city and the sewer line malfunction.

New Utility Line Coverage

A new coverage that most companies have come out with is a utility line coverage. What this does is provide coverage for all your buried utility lines, one of them being the most expensive (i.e. your sewer line). This would provide coverage from your house to the property line if that line needed to be replaced, which is difference from the past.

In the past, if there was something in your sewer line that caused damage to it such as tree roots, the insurance company would pay for the resulting damage from the backup into the house, but they wouldn’t pay to replace the sewer line.

So now, with the sewer line coverage, you would be paid, or you would have coverage for the replacement of that sewer line. Common coverage limits can run from $10,000 to $20,000 or even higher. Furthermore, the cost of this coverage amounts to only $30-$70 a year, a low price for great coverage.

Sewer and Drain Coverage Scenarios

Sometimes, real-life examples help solidify the difference between coverages. Below are two scenarios based on your sewer and drain coverage.

Scenario #1. The Main Sewer Line Backs Up into Your House

In this scenario, the sewer line from your street backs up in your house. Unfortunately, it causes damage, and your homeowner’s policy does not include the sewer and drain backup coverage. As a result, you would have no coverage for your personal property and would have to cover the cost out-of-pocket.

Scenario #2: Tree Roots are in Your Sewer Line and On Your Property

In this scenario, tree roots from your property end up breaking through your sewer line. As a result, it causes the sewer to back up in your house. However, your homeowner’s insurance policy includes the buried line utility coverage. As a result, you would have coverage to replace that sewer line since it is damaged.

Ultimately, look at your policy or reach out to your current insurance provider to see if you have these coverages or if they are available to add as an endorsement. 

Secure Your Homeowners Sewer and Drain Coverage Today with Centennial

Are you looking to expand the coverage for your home’s sewer and drain? Our insurance experts at Centennial State Insurance Agency are ready to help! We will review your current policy to make sure you have the right coverages and endorsements in place. Additionally, our agents will provide you with all the protection you need for your home. 

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