Mountain Insurance in Gunnison, CO

mountain insurance in gunnison, co

Home of the Blue Mesa Reservoir, the Black Canyon of the Gunnison National Park, the Gunnison Valley Observatory, and multiple areas for scenic wildflower hikes, the city of Gunnison, CO promises full entertainment and adventure for its residents and visitors year-round. However, with the city’s evolving beauty, there is always a risk of wildfires. When living near the mountains, we discuss how you can prepare for wildfires by securing proper mountain insurance in Gunnison, CO.

Mountain Insurance in Gunnison, CO

The call for adventure and exploration beckons in the breathtaking landscape or Gunnison, CO. However, while engaging with the surrounding nature, have you considered the danger and risks associated with living near the mountains? During sudden acts of nature such as a wildfire, it is comforting to trust 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 wildfire season just ended or is about to begin, evaluate your individual risks with your insurance agent to verify you have adequate coverage. It is imperative to remember that once a wildfire becomes active in or near your area, insurance plans are temporarily frozen. As a result, insurance companies are prohibited to amend or issue any insurance policy until the fire is controlled and extinguished.

However, before your insurance policy freezes, there are a few things you can do to protect your home.

Update Your Dwelling Coverage

Reviewing your dwelling limits with your insurance provider is of utmost importance. Confirm that your agent is aware of any upgrades or changes recently made to the home and that they made the appropriate changes to your coverage.

  • Have you added an addition to your home?
  • Did you recently renovate your kitchen?
  • Have you replaced the roof or siding on the home?
  • Was the driveway recently re-paved?
  • Did you landscape your yard with trees and shrubs?

Endorse an amendment to your insurance policy that reflects these changes within 30 days of the update to ensure it adequately covers the most current condition of your home. Most insurance agents will use a replacement cost guide to input the information about your home and get an estimate of the cost to rebuild.

Examine Your Detached Structures Coverage

Does your property include detached structures such as sheds, barns, a guest house, or garage? Most policies include coverage for detached structures, but it is important to ensure that you have the right coverage.

With today’s technology advances, use it to your advantage! With your smart phone, take photos or videos of your personal property and contents. Walk around the interior and exterior of your home, shed, and garage to document what is in and on your shelves, dressers, safes, drawers, closets, and jewelry boxes. Doing so not only confirms what items you had and their value, but it will also help you remember what you had in the junk drawer.

Secure Your Mountain Insurance in Gunnison, CO with Centennial State Insurance Agency

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

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!

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!

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!

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.

Buying Home Insurance in Bailey, CO: Our Top 3 Tips

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 value of your home in Bailey, CO, using the services of Centennial State Insurance Agency can help make sure your home is protected accordingly. In the content below, we discuss three tips for buying home insurance and how to get it at an affordable price.

Buying Home Insurance in Bailey, CO: Our Top 3 Tips

Tip #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.

Tip #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.

Tip #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.

Practice Makes Perfect: How Often Should You Review Your Home Insurance Policy?

Is It Necessary to Review Your Home Insurance Policy Annually?

If you are like most people you do not have a clue as to the details of your home insurance coverage. In fact, most people do not take the time to familiarize themselves with the details of any of their insurance policy coverages. Typically, consumers wait until calamity strikes before they search for the policy. In other words, people wait until they need the coverage.

It is a great idea to review your insurance policy each time a renovation is in the works or a new pet or family member joins your household. Any major life event should include a review of your policy to make certain that the ramification of the item do not involve additional liability. Staying covered FULLY in any event is the best policy.

A review is simply that – a review. It is important to have the initial view or reading as soon as possible. In the excitement of purchasing a home, it is easy to be preoccupied with the myriad of things that are going on all at once. Take the time to carefully read the policy so that you have an idea of what your protection is. You may want to add or subtract some items but should consult with Centennial State Insurance Agency in Bailey, CO first.

Don’t Stay in The Dark About What Coverage You Currently Have or Will Need

We are excited to help you with your questions regarding your home insurance policy. Please come in today to find our more about what your insurance options are. Centennial State Insurance Agency is located at 12 Rosalee Road, Bailey, CO 80421. If you prefer to contact us via telephone, our friendly and knowledgeable agents and staffers can be reached at 303-838-0554.

Is Home Insurance Different From State to State?

Home insurance is a necessity that many people neglect to learn about fully. There are hundreds of different coverage types, kinds of policies, and needs that are part of creating a home insurance policy. Though many home policies are similar, they are also different, and needs may differ from state to state. For those in the Bailey, CO area, the agents with Centennial State Insurance Agency can help you find the policy that works best for your home.

Home policies, though they all cover the same basic things like fire and theft, they also include different things based entirely on where the home is located. A home in Colorado, for instance, is going to need more coverage for something like snow or ice than a home in Arizona would since there are no snowstorms typically in Arizona. It is vital that when you create your home policy, you take not only your actual home and its value into consideration, but also the special circumstances that are particular to where you live.

Another thing to keep in mind is that when you are taking out a home policy, you may also need to add specialty policies based on where you live as well. If you live in an area where flooding is a regular occurrence, you may need flood insurance as well. If you live where a hurricane is likely to happen, you may need a hurricane policy as well. While the basic home policy does not change from state to state, the particular needs of the policyholder may vary. For those that live in the Bailey, CO area, the agents with Centennial State Insurance Agency may be helpful regarding creating your perfect policy dependent on where you live and what your home needs.