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Colorado Insurance Blog

10 Life Changes You Should Tell Your Insurance Agent About

Most people buy insurance for their home and auto and don’t think about it much unless the rates go up or they need to add a new car. The policy you bought 3 years ago might not be the right coverage for you now if you’ve had any life changes.

Here are some examples of changes you should tell your insurance agent about to make sure your coverage reflects your current situation.

1. You’re having a baby or adopting a child

Congrats on the new addition!

Health insurance is probably the only kind of insurance you think about after having a new baby, but it’s important to tailor your insurance portfolio to your current stage of life. That might mean updating your life insurance or increasing your MedPay limits on your auto policy.

2. One of your children is going to college or moving out

Insurance covers members of the household. Anytime the household members change, it’s important to talk to your agent about your policy. If your child moved out, you might need to take them off your auto policy and have them get their own. When a kid is away at college, they can often still be covered by your policy.

Talking to a licensed agent can help you decide the right way to cover your entire family.

3. You got married or moved in with a significant other

When moving in with a significant other, it’s important to adjust your insurance accordingly. You’ll need to list your partner as a driver on your auto insurance, and it often makes sense to combine your insurance for additional savings.

Your marital status can also impact insurance rates, so you might get a slight discount after you get married.

4. You’re moving

It can help alleviate stress if you call ahead of time to get your ducks in a row. You can get a quote for a your new address and have everything set for when your moving day is here. Even if you only have auto insurance, you should still call to update your address.

5. You’re buying a new car, boat, motorcycle, or other recreational vehicle

Whenever you buy a new vehicle, you’ll need to update your auto policy. If you’re buying your first motorcycle, boat or other recreational vehicle, you might need to get a new policy to cover it. It helps to call before you’re ready to purchase your new car or toy so you can have an idea of what the insurance will cost before you sign anything.

6. You’re buying a second home or investment property

Most insurance carriers require each home to be on its own policy. Talk to your agent if you’re considering purchasing a new property so you can get a policy set up.

7. You’re updating or adding onto your home

Whenever you make improvements to your home, your homeowners insurance should be updated. You may need to adjust your dwelling coverage limit to ensure you have enough coverage to rebuild if there was a loss.

8. You’re working from home or starting a business out of your home

Many home policies have limited or no coverage for home businesses. That means any liability risk you have and your business property (like computer or merchandise) may not be covered if there’s a loss. Talk to your agent to go over what your risk is and if there’s any coverage you can add to your policy.

9. You completed more education or changed careers

Higher education usually means bigger discounts on auto insurance, and your career can impact your rates as well.

10. The lender for your car or home changed

Make sure your policies are updated when your loan changes so the correct lender gets important correspondence. Your mortgage company might be responsible for paying your home insurance, so it’s especially important for your policy to have the right mortgage company listed.

4 Facts You Must Know About Umbrella Insurance

If you want to invest in umbrella insurance, you need to get your facts right to make an informed decision. Given that umbrella insurance is one of the most misaligned insurance policies, bumping into myths and misconceptions isn’t uncommon.

Here are the facts you need to know about umbrella insurance, courtesy of Integrity First Insurance, serving many locations in Colorado.

4 Facts You Must Know About Umbrella Insurance

Fact #1: Almost everyone needs umbrella insurance

You will hear some people say that umbrella insurance is for the super-wealthy only. The fact is that umbrella insurance is suitable for anyone earning a livelihood. Since everyone is at risk of lawsuits in America, umbrella insurance is a worthwhile investment to protect your assets.

Fact #2: Umbrella insurance is affordable

You are likely to hear that umbrella insurance is expensive coverage. People usually assume umbrella insurance is a costly affair, perhaps because of the high coverage it gives. The reality is that umbrella insurance is a super-affordable policy because it takes over after the underlying policy has been exhausted. If you still don’t believe it, please get in touch with us for a quote.

Fact #3: Umbrella insurance is liability coverage

Because of the name umbrella, most people assume that umbrella insurance covers all risks. That’s not entirely true. Umbrella insurance is liability coverage — it covers you when accused of bodily injury and property damage by other people. Umbrella insurance won’t cover damage to your property or injuries to yourself.

Fact #4: Umbrella insurance has no geographical limitation

Unlike insurance policies like car or home insurance limited within American borders, umbrella insurance has no geographical limitation. This policy can cover you anywhere and anytime, as long as your policy is updated.

Want more information about umbrella insurance? Of course, there is a lot more you can learn about umbrella insurance. Call us today for more insights on umbrella insurance.

Insurance Claim Terms Broken Down

The claims process can be difficult to navigate, especially when the insurance company is throwing around terms you’ve never heard.

Here’s a breakdown of some of the common terms relating to insurance claims:


An adjuster is the trained claim representative assigned to help you if you file a claim. They’ll examine the damage to your covered property and review your policy to determine what coverage you have. The adjuster is also responsible for issuing payment for your claim.

Actual Cash Value (ACV)

Actual Cash Value (ACV) coverage takes depreciation into account at the time of the loss. If you have ACV coverage, your policy won’t pay to replace what is damaged. Instead they will pay the depreciated value, which subtracts for age and condition. ACV is calculated by subtracting depreciation from the replacement cost.


Many items lose value over time due to age, wear and tear and the manufacturing of newer and better products. That reduction in value is known as the depreciation. Cars are notorious for depreciating as soon as they are driven off the lot, but many household items also depreciate.

Replacement Cost

The cost to actually replace a lost or damaged item, regardless of age and condition at the time of loss. For example, if you bought a TV 10 years ago for $300 but it costs $700 to buy a comparable TV today, Replacement Cost coverage would pay the full $700 to replace the TV if you had a covered loss.


Your deductible is the amount you have to pay before your insurance company will payout for a claim.  The insurance company will generally subtract the deductible from the total payout.

If you have a $1,000 deductible and had a claim for $4,000, the insurance company would issue payment for $3,000 and you’d be responsible for the other $1,000.

Policy Limits

The dollar limits for each coverage on your specific policy. The policy limits are the maximum amount your policy will pay out under each coverage for a loss. Many policies also have “sublimits” for certain classes of property, like jewelry, coins, or other valuables.


If someone else is responsible for causing damage to your property, your policy may pay for the damage and then seek reimbursement from the responsible party. If the insurance company has received reimbursement, you may get some or all of your deductible back.

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