Mountain Insurance in Littleton, CO

mountain insurance in Littleton, CO

A setting perfect for a new National Geographic documentary, Littleton, Colorado offers limitless adventure, beauty, and history. Just a short drive from the South Platte Park, Carson Nature Center, Arapahoe Greenway Trail, and Chatfield State Park, this adventurer’s paradise promises entertainment and refuge for its residents and visitors year-round. However, despite the captivating beauty brought by Littleton, it is important for those living in the area to always consider the risk of winter storm damage and be prepared in advance. Below, we discuss how you can prepare for winter storm damage by securing mountain insurance in Littleton, CO.

Mountain Insurance in Littleton, CO

It’s so easy to find yourself quickly immersed in the captivating, scenic landscape of Littleton, 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 severe winter storms, it is comforting to rest assured that you and your family will be properly cared for when covered under mountain insurance.

Explore below the importance of securing proper winter storm damage insurance and how to prepare your home for the winter season.

Update Your Mountain Insurance to Include Winter Storm Damage

As locals are well aware, the mountains can accumulate vast amounts of snow throughout the winter season. That said, it is important that you provide adequate coverage for your home, auto, and business.

Despite how most traditional policies for your home already include coverage for damages caused by winter-related storm damage as a result of wind, snow, ice, freezing rain, and severe temperatures, take some time to review your homeowner’s policy to verify which wintertime perils are covered specifically.

Furthermore, it is important to note that standard homeowner’s insurance policies do not provide coverage for flood damage. As a result, if your home suffers damage caused by winter-related flooding (like a heavy snow melt), this claim would be excluded from coverage unless you also secured a separate flood insurance policy in place.

How to Prepare Your Home for Winter

While your insurance may provide some coverage for winter storm damage, the best option is to take steps to prevent winter-related damage from occurring in the first place. The following are some tips to help protect your home from harsh winter weather:

  • Clean your gutters and downspouts to allow melting snow to flow away from your home
  • Inspect and repair roof shingles and flashing to prevent water damage
  • Trim tree branches on your property, especially ones near the exterior of your home
  • Apply weather stripping and caulking around doors and windows and inspect storm doors and windows for broken glass
  • Drain water from pipes leading to exterior faucets and remove garden hoses
  • Insulate pipes that are susceptible to freezing
  • Have your heating system cleaned and inspected
  • If leaving the house unattended for longer than thirty (30) days, shut off the water and drain interior pipes

What If the House is Unattended During the Winter?

In the event your home suffers damage while left unattended during the winter season, there are some additional issues to consider. If your home is unattended for more than thirty days at a time, it is paramount that you properly winterize the entirety of the home’s interior and exterior to prevent any winter storm-related damages from escalating, beginning with the list above.

Failing to do so will result in costly repairs made on your dime as most homeowners policies exclude coverage for any damages accrued after failing to properly winterizing the premises.

How to Prepare You and Your Family for Winter

Although it is important to put proper measures in place to protect your home, you cannot be replaced. Therefore, be sure to follow the following protocols provided by the Colorado Division of Homeland Security & Emergency Management before the arrival of a severe winter storm:

  • Be familiar with winter storm watches and warnings.
  • Service snow removal equipment: have rock salt on hand to melt ice on walkways and kitty litter to generate temporary traction.
  • Winterize your vehicle and keep the gas tank full. A full tank will keep the fuel line from freezing.
  • Make sure you have sufficient heating fuel as regular fuel sources may be cut off.
  • Insulate your home by installing storm windows or covering windows with plastic from the inside to keep cold air out.
  • Have safe emergency heating equipment available such as a fireplace with an ample supply of wood, or small, well-vented, wood, coal, or camp stove with fuel.
  • Keep pipes from freezing by wrapping pipes in insulation or layers of old newspapers, covering the newspapers with plastic to keep out moisture, and letting faucets drip a little to avoid freezing ─ know how to shut off water valves.
  • Have disaster supplies on hand in case the power goes out. Include a flashlight and extra batteries, portable, battery-operated radio and extra batteries, a first aid kit, a one-week supply of food (include items that do not require refrigeration or cooking in case the power is shut off), a manual can opener, one-week supply of essential prescription medications, extra blankets and sleeping bags.
  • Develop an emergency communication plan in case family members are separated from one another during a winter storm (a real possibility during the day when adults are at work and children are at school) and have a plan for getting back together.
  • Ask an out-of-state relative or friend to serve as the “family contact” because after a disaster, it is often easier to call long distance. Make sure everyone knows the name, address, and phone number of the contact person.
  • If you will be going away during cold weather, leave the heat on in your home ─ set to a temperature no lower than 55° F.

Once the blizzard arrives, be sure to stay indoors, have plenty of warm blankets and coats, and stay hydrated. Furthermore, keep the thermostat set to the same temperature both during the day and at night. By suspending the use of lower nighttime temperatures, you may incur a higher heating bill, but you can prevent a much more costly repair job if pipes freeze and burst.

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

If you are looking for the right coverage while living near the mountains in Littleton, 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 mountainous 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 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!

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!

How Much Homeowners Insurance Do I Need?

how much homeowners insurance do I need

Having adequate home insurance coverage is one of the foolproof ways to ensure peace of mind. With that said, not buying enough coverage is likely to cause headaches should an issue ever arise. When it comes to understanding how much homeowner’s insurance to purchase, there are a few simple rules to follow.

How Much Homeowners Insurance Do I Need?

First, you want to have enough coverage to rebuild your home to its current standard which is known in the insurance world as extended dwelling coverage. Additional factors to consider are enough coverage to replace your personal property, cover the expenses associated with damages and injuries that occur on your property (liability), and to reimburse any living expenses that may happen due to a loss at the home (additional living expenses). 

Determine the Replacement Value of Your Home

When deciding how much coverage to purchase, start by determining the replacement value of your home which will dictate the dwelling coverage. Keep in mind that the replacement cost of your home may not be the same price as what you paid for it with factors like building materials, labor, and real estate trends in your area playing a role in the overall cost.

Factor in Any Upgrades and Remodeling

Furthermore, any upgrades that have been done to the home post-move such as remodeling a kitchen or finishing a basement need to be factored into the replacement cost. Lastly, having adequate liability coverage is imperative to protect yourself and your family from being sued or held responsible for someone else being injured while at your house.

Secure Your Homeowner’s Insurance Today with Centennial State Insurance Agency

If you are looking for the right coverage in the Centennial area, 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.”

When it comes to finding the perfect home insurance policy, give the friendly and professional team at Centennial State Insurance Agency in Bailey, CO a call to discuss your options. Contact us to compare quotes and properly insure your home, property, and automobile today!

Mountain Insurance in Edwards, CO

mountain insurance in Edwards, CO

Nestled in the Vail Valley, Edwards, Colorado is becoming one of the fastest growing cities in Eagle County. Home to multiple resorts, the Beaver Creek Hiking Center, the Bearcat Stables, Vail Valley Anglers, and Larkburger, the city promises year-round entertainment and adventure for its residents and visitors. However, with the evolving beauty of Edwards, CO, there is always a risk of wildfires. Is your home in the area? When living near the mountains, we discuss how you can prepare for wildfires by securing mountain insurance in Edwards, CO.

Mountain Insurance in Edwards, CO

Adventure beckons in the breathtaking landscape of Edwards, 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 assurance 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, contact your insurance agent to evaluate your individual risks and verify that you have adequate coverage. Remember, 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.

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

Evaluate Your Dwelling Coverage

Discussing your dwelling limits with your insurance provider is of utmost importance. Make sure that your agent knows about any upgrades or changes recently made to the home.

  • Have you added an addition, or renovated the kitchen?
  • Did you replace the roof or siding on the home?
  • Was the driveway recently re-paved or your yard landscaped?

Amend your insurance policy to reflect these changes within 30 days of the update to ensure it adequately covers the current condition of the 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, use it to your advantage! With your smart phone, take photos or videos of your personal property. Walk around the interior and exterior of your house, shed, and garage to document what is in and on your shelves, dressers, safes, drawers, closets, and jewelry boxes. This not only confirms the types of items you had but it will also help you remember what you had in the junk drawer.

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

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

Colorado Car Insurance: Does It Cover Me or My Car?

colorado car insurance

When you buy car insurance you may wonder what exactly is covered. You know the kinds of coverage you have chosen. In Colorado, you need to carry liability insurance and then you can choose additional amounts of coverage in the form of collision and comprehensive. But do you know if you are covered if you drive your friend’s car? Is your friend covered if they drive your car? Very good questions. If you have Centennial State Insurance Agency in Bailey, CO you will have an experienced team on your side to answer any questions you may have. 

Let’s face it, you will probably not be the only person who ever drives your car. Chances are a family member or a friend at some point will use your vehicle. What if they have an accident?

Colorado Car Insurance Explained

In the state of Colorado, the insurance follows the car. That means the coverage you have on your vehicle, is always there no matter who is driving. You are the primary coverage which means it is also your premium that will rise if your insurance has to pay a claim and you who will owe any deductible. This is only the case if the person has your permission to drive your car. If they have insurance and no permission their insurance is primary. 

If someone is a regular user of your vehicle it is a good idea to list them on your policy as a driver. In Colorado, you can also exclude people from your insurance due to a poor driving record or other reasons. 

Secure Your Insurance Today with Centennial State Insurance Agency

Car insurance is important coverage and making sure you have an agent you trust gives you peace of mind. At Centennial State Insurance Agency in Bailey, CO, we are an independent agency and offer our customer choices when it comes to carriers. Give us a call to set up an appointment for a no-obligation quote. 

How Do I Know if I Need Commercial Insurance?

commercial auto insurance vs personal auto insurance

If you own a business, you may need commercial insurance. However, the line between personal and commercial policies can be confusing. If you are a sole proprietor, you will have different insurance needs than a large corporation. At Centennial State Insurance Agency in Bailey, CO, our agents help clients understand their insurance needs. 

Commercial Auto Insurance vs Personal Auto Insurance

The line is often blurred when it comes to personal vs commercial auto insurance. You don’t have to own your own business to need a commercial insurance policy. If you use your vehicle to commute to work, you don’t need a commercial auto insurance policy.

However, if you frequently use your vehicle to transport things for your job, you do. This includes delivering pizzas or transporting people. If you carry equipment to the job site, you may need commercial auto insurance as well.

Another rule of thumb, if you are driving while you are on the company’s time, you will probably need commercial insurance. If you work for a company, the company may cover you under its commercial policy, but you need to be sure before you drive as part of your job. 

Commercial Insurance vs Homeowner’s Insurance

This is another grey area. In many cases, it’s clear. If your property is strictly for business use, you will need a commercial insurance policy. If you work from home, it’s not so cut and dry. Commercial insurance is much more flexible than residential insurance, so it’s possible to tailor a policy to your needs. If you own a home-based business, commercial insurance can cover your business equipment and liability associated with your business. Your homeowner’s policy isn’t likely to cover a customer getting injured on your property or lost inventory. 

Which policies you need can be complex. At Centennial State Insurance Agency in Bailey, CO, our agents will discuss all your options and help you decide which policies are best for your needs. 

Mountain Insurance in Avon, CO

Mountain Insurance in Avon, CO

Home to the Beaver Creek Resort, the Walking Mountains Science Center, Avon Whitewater Park, and Nottingham Lake, the city of Avon, CO promises adventure and opportunity, surrounded by nature. This town offers countless activities 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.

Below, we explore how wildfire insurance is imperative to those living near the mountains, and how you can prepare for wildfires in Avon, CO.

Mountain Insurance and Wildfire Insurance

Enjoying the mountainous views of Avon, CO invokes breathtaking forestry, lakes, and a snow-capped skyline. However, while soaking in the nature around you, it may be easy to forget the danger that living near the mountains can bring.

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. Below, we explore how to prepare for wildfires in Avon, CO.

How to Prepare for Wildfires in Avon, CO

There are multiple ways in which you can best prepare for wildfires. From clearing excessive brush on your property to updating your mountain insurance in Avon, CO, we discuss three helpful ways to prepare your home for wildfire season.

Clear Excessive Brush and Move Fuel Sources

It is recommended that you clear away any brush that is within 30 feet of your home. Therefore, rake pine needles, keep grass and weeds cut short to lower their fuel potential, remove any dead brush from under decks, and close any holes on your deck or stairs that would allow dead brush to get under decks.

Additionally, move any other fuel sources, such as gas cans and propane tanks, away from the home. If you have a wood pile, make sure the pile is stored a safe distance from your home. Keep your gutters, chimney, and roof clear of needles and leaves.

Help Make Your Home Wildfire Resistant

Did you know that there are steps you can take to make your home more fire resistant? Utilizing metal, clay, or a non-combustible roofing material lowers your risk of the home catching fire from wind-blown embers or crowning tree fires. You can also purchase a less combustible siding material like brick, masonry, stone, or hardboard.

Additionally, when the time comes for you to replace your deck, consider installing trek or composite decking material. Furthermore, upgrade your windows to double or triple pane, and limit the number of windows and size of the windows that open to your largest area of vegetation.

Update Your Policy with Wildfire Insurance Coverage

Before wildfire season kicks in, contact your insurance agent to discuss your individual risks and to see if you are adequately insured. It is important to note that once there is an active wildfire, insurance temporarily freezes, meaning that you cannot amend or issue an insurance policy until the fire is over.

Update Your Dwelling Coverage

It is crucial that you discuss your dwelling value with your insurance provider. Make sure that your agent knows about any upgrades you recently made to the home.

  • Have you added an addition or renovated the kitchen?
  • Did you replace the roof or siding on the home?

Make sure your insurance policy reflects these changes and that your dwelling coverage will adequately replace the current condition of the 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.

Detached Structures

Confirm that you have enough coverage for detached structures, including sheds, barns, or garages. Most policies have some coverage for detached structures built into the policy, but it is important to ensure that you have enough.

With today’s technology it is a great idea to use your smart phone to take photos or videos of your personal property. Walk around your house, shed, and garage. Document what is on your shelves, dressers, safes, drawers, closets, and jewelry boxes. This not only helps prove the type of item you had, but will also help you remember what you had in the junk drawer.

Valuables

Most insurance companies have a built-in limit for jewelry, fine arts, guns, and collectibles. Consider the value of these items, talk to your agent about the built-in limits, and inquire if scheduling these items would benefit you. When you schedule these items, they are covered for the appraised value.

Special Motorized Vehicles

Many people are unaware that motorized vehicles are not covered on a homeowners policy. If you have a classic car, motorcycle, ATV, snowmobile, trailer, or motorized boat in your garage or barn, they will not be covered by the homeowners policy. Make sure to cover them under their own policy with at least comprehensive coverage.

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

If you are looking for the right coverage while living near the mountains in Avon, 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.”