Everyone who owns a car relies on it for so much of the normal day-to-day activities they participate in. Most people would be lost without their vehicle, from work and school to shopping and socializing.
Generally speaking, anyone that lives in your household and has a driver’s license is required to be rated on your auto policy. Your car insurance can also extend to licensed drivers who you give permission to drive your vehicle.
Auto insurance makes sure your vehicle is protected, but it also protects you and your assets with liability coverage. Almost every state requires drivers to carry basic liability insurance, and Colorado is one of them. Liability coverage helps to pay medical bills for injured people due to an accident caused by the driver of your vehicle. This is something to consider before you allow someone to drive your car. Depending on the amount of coverage you have for liability, legal action against you could be very expensive.
Coverage for your vehicle itself is optional unless you have a lease or an auto loan. Then you’ll need to carry coverage for your vehicle in the form of collision and comprehensive. Collision coverage protects your vehicle itself in the event of an accident where the driver of your vehicle is at-fault. You’ll have to pay your deductible, which is also something to consider before allowing someone else to drive your vehicle. Comprehensive coverage protects your vehicle from things other than an accident. That can include fire, hail damage, theft, and more.
Integrity First Insurance has been doing business in Colorado since 2008. We are an independent agency with a focus on integrity and education. We want our clients to trust their insurance and we offer the residents of Colorado service beyond their expectation. Our agents will be there for them in the good times and the bad. Check out our website for more information about the products we offer.
Most mortgage lenders in Colorado these days require homeowners to carry home insurance as part of their contracts. But what if you’ve paid off your home in full and don’t have a mortgage? Do you still need home insurance?
Here’s the short answer: legally, you do not need home insurance in Colorado, but there are many reasons why you’ll probably still want a policy. At Integrity First Insurance, we’re here to answer all your questions!
What Does Home Insurance Do?
While mortgage lenders may refer to home insurance as protecting their financial investment, it’s really about protecting yours as well. After all, you’ve already put a lot of time (and funds) into your home, and this goes tenfold if you’ve paid it off in full and don’t have an active mortgage. A good home insurance policy prevents you from having to pay for many potential damages to your property out of your own pocket, therefore making sure your investment is not wasted.
Does it Matter if I Live in an Urban or Rural Area?
Colorado is a very geographically diverse state, and our beautiful land is home to both rural and urban communities. Homes in both areas face different kinds of risks, and they are both still in need of home insurance as a result. Fortunately, insurance providers recognize this and offer different ranges of coverage options as a result.
How Do I Get a Policy?
When you’re ready to learn more about your home insurance coverage options, give us a call at Integrity First Insurance. We’re homeowners in Colorado ourselves, and we understand there’s no “one size fits all” policy. We’ll get to know you and your property, as well as any specific needs you have for coverage. Then, we’ll be able to present you with the policy options that fit best. Don’t wait to protect everything you’ve already invested into your home — reach out to us today!
Integrity First Insurance provides Colorado residents with access to several different types of insurance coverage. Evaluating your insurance options can be a difficult process. That’s why Integrity First Insurance is here to assist you. We are committed to helping our clients find the coverage that they need.
Common Winter Commercial Insurance Risks
Commercial insurance helps you protect the future of your business. As a business owner in Colorado, operating the business daily can be a difficult process. That’s why commercial insurance is an asset. The policy covers your business during potential liability disputes. Your equipment is also protected if something were to happen. Workers Compensation allows you to protect the interests of your employees as well as your business. As the weather changes and starts to get colder, the likelihood of a potential disaster increases. Here is a look at some of the common insurance risks businesses face during the winter.
During harsh winters in Colorado, your business is at risk of developing frozen pipes at different parts throughout the building. Make sure that your building is fully insulated. Consider using heating cables. During closing hours, shut off the valves.
Potential Customer Injuries
As more snow starts to fall or ice builds up, the potential for one of your customers to slip and fall increases. During serious cases, a potential accident may lead to severe sprains or broken bones. In order to prevent potential liability disputes, make sure that you shovel the snow around the building and put down salt regularly. If you have cracks on the concrete outside your building, try to get those repaired before winter starts.
Make sure that you have a backup generator on hand if a power outage happens. You can add business interruption coverage to your policy.
Consult With Integrity First Insurance
Visit our website to learn more information about commercial insurance.