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!