Tag: Denver Home Insurance

What Is Gap Insurance?

Landscaping Losses: Are They Covered by Insurance? Your neighbor's teenager drove over your beautiful flower beds. That old oak finally fell, and it took out your fence on its way down. If a disaster hits your landscaping, is this covered by homeowners insurance? In many cases, yes. As part of your home, your landscaping is often covered by your homeowners policy, but not always. Here's...

Animal Invasion: Are You Covered?

Animal Invasion: Are you covered? Your dog ate your couch. Birds destroyed your gutter. A family of racoons overran your garage. Will your homeowners insurance cover these animal invasions? Yes and no. Here's the scoop: Infestation: If your home suffers damage at the hands (or legs) of insects, rodents, or vermin, the cost probably won't be covered by your homeowners insurance. Whatever damage these unwanted...

What Ingredients Go into My Auto Insurance?

What Ingredients Go into My Auto Insurance Cost? It's not a secret family recipe, but your auto insurance cost does include three unique ingredients: you, your car, and your coverage. These three factors combined determine the risk and cost that shape your premium. You: Your insurance carrier considers your driving record, age, and gender. Those with clean driving records generally pay lower premiums. As for...

Using Landscaping to Lower Insurance Premiums

Landscape Your Way to Lower Premiums on Your Property Properly maintained landscaping can add beauty and value to a property. Poorly developed or neglected landscaping does the opposite. Did you know landscaping has the same effects on insurance premiums? Applying specific landscaping techniques can help keep your premiums low. Here's how: Keep trees trim. Overgrown oaks and extended evergreens can cause property damage, which results...

How to Enjoy a Claim-Free Holiday Season

How to Enjoy a Claim-Free Holiday Season No one puts "insurance claim" on their holiday wish list. Most would rate this item right below a lump of coal. Yet, due to a lack of safety measures, this is what many people get. Accidents and fires related to decorations are fairly common during the holiday season, but they are avoidable with the proper precautions. Avoid holiday...