Archives: November 2011

Disconnect the water hose and avoid a home insurance claim!

Disconnect the water hose and avoid a homeowners insurance claim! Cold weather is here and colder weather is coming.  The simple process of disconnecting a water hose from your outside water faucet will make it very unlikely to freeze and break.  Leaving the water hose connected means the specially designed outside faucet can't work properly and it is very likely to freeze and break....

Should I file a small home insurance claim?

Should I file a small homeowners insurance claim? Probably not and here is why.  Imagine the following scenario: You have a $1,200 bike stolen from your garage and you have a $500 deductible and file a claim so minus your deductible you get a check for $700.  A year goes by and a hail storm damages your roof, not something hard to imagine in Colorado! Now you...

Glad I don't have the auto insurance on this valet!

If I let someone borrow my car does my auto insurance cover this? Yes, if you give the person permission then your car insurance will cover them on a primary basis.  So even if the person borrowing the car has their own car insurance your auto insurance is still the first to respond.  Obviously you want to be careful with who you let use your car. If your...