From An Agents Prospective 5/22/2013

This year seems to gone by without any incident so far in 2013. No major hail, no crazy wild fires, well at least not yet. Last year in Colorado, we had a ton of hail and wild fires. Property Insurance companies lost Billions of dollars, homes were destroyed, and people were displaced.

As an indirect consequence, a lot of consumers opened up their home insurance renewals this year, only to see insurance has gone up. For some people, it went WAY up. Especially for people who live in Colorado Springs. Some homeowners saw their premiums double. This is due to the inevitable fact, that the cost of these claims eventually gets passed onto the consumer.

I am hoping we can dodge a couple of bullets this year. The Colorado Property Insurance  market has become incredibly hard for insurance companies to figure out. This is not only due to losses in the Calendar year of 2012, but also previous years.

Lets pray that we get no more wind, hail and wild fires this year. In the long run this will be good for consumers. This is so they don’t keep seeing their pocket-book hit each year, with extra cost in Homeowners insurance.

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Met Life Auto & Home Insurance | Get A Free Quote

We are independent insurance agents and brokers who represent Met Life met-life-auto-and-home-insuranceInsurance. We are appointed under agent code 2HH0031. Please take a look at products we offer thorugh Met Life Insurance.

  • Auto/Car Insurance
  • Home Insurance
  • Condo Insurance
  • Renter’s Insurance
  • Landlord Dwelling Insurance
  • Landlord Condo Insurance
  • Personal Umbrella Insurance
  • And More!

If you would like a free Met Life Insurance Quote, feel free to contact us during normal business hours. Our Local Phone Number is (303) 219-4985.

Homeowners Insurance | Get A Free Home Insurance Quote

Homeowners Insurance Program

At Denvers Insurance & The Ahbe Group, we know that your home is one of your most important investments you could ever make. That’s why we never take short cuts, when we build our home insurance policies. Work with one of our agents, and she/he will guide you through the process to find a policy that is best for your needs. Let us invest time into you, just like you did with your house.

Types Of Policies We Can Write

We can write properties of all types. This could be a small house, to a multi-million dollar one.

  • Dwelling(DP-3) Insurance
  • Home(HO-3 & HO-5) Insurance
  • Condo Insurance(HO-6) (Unit Owners)
  • Renters & Tenants(HO-4) Insurance
  • Seasonal Home(HO-3 & DP-3) Insurance
  • Vacant Home(DP-1) Insurance
  • If you are looking for Landlord Or Investment Property insurance, please click here.

Coverages

We offer comprehensive, “worry Free” insurance coverage.

  • Dwelling Or Structure With (RC)Replacement Cost (some policies don’t qualify for replacement cost)
  • Extended Dwelling Coverage
  • Other Structures
  • Personal Property With (RC)Replacement Cost
  • Medical Payments
  • Homeowner Liability
  • Loss Of Use
  • Sewer Back Up
  • Identity Theft
  • and more!

Homeowners With Previous Claims & Loss History

Helping homeowners who have been non-renewed due to many claims is one of our specialties. If you no longer qualify for a policy with a standard company, we can help you out. This can be anywhere from just a couple of claims, all the way to a full list. We will also counsel on how to avoid non-renewal in the future, and eventually get you back into a standard company.

High Value Home Insurance

We understand that some customers may have high value homes, requiring unique comprehensive coverage. We have multiple markets that offer insurance for high value properties.

Unusual Risk Home Insurance

We know some properties are located in areas that make inherently more risky to insure. We have markets that fulfill needs for hard to place risk. For Example: Mountain houses in wild-fire risk areas with minimal fire protection.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Home Insurance Quote!

We offer up to 10 personal lines companies for home insurance. To get a free home insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

Authorized Foremost Insurance Agency | Get A Free Insurance Quote

Looking for a Foremost Insurance Agency in the Metro Denver area or Colorado? You are at the right place. We are appointed and represent their products. Our agent code is 0501699. We are a full service National insurance agency. Here is a line up of what we do.

  • Auto/Car Insurance
  • SR22 Insurance
  • Specialty Home Insurance
  • Landlord Dwelling Insurance
  • Mobile & Manufactured Home Insurance
  • Motorcycle Insurance
  • High Claims Experience
  • High Risk Properties
  • And More!

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Authorized Progressive Insurance Agency | Car & Auto Insurance

Authorized Progressive Insurance Agency       1-(888)-270-0995  &  (303)-317-6841

We are an Authorized Progressive Insurance Agency located in Denver, Colorado. As independent agents and brokers, we offer some of the most competitive rates in the State. Work with one of our licensed experienced agents, and they will counsel you into a comprehensive insurance policy, that is best for you.

Progressive Insurance Products

  • Auto/Car Insurance
  • Sr22 Insurance
  • Commercial/Business Auto Insurance
  • Motorcycle Insurance
  • Snowmobile Insurance
  • ATV Insurance
  • RV Insurance
  • Home Insurance
  • Renters Insurance
  • Condo Insurance
  • Landlord Insurance
  • Personal Umbrella
  • (EPLI) Employment Practices Liability Insurance
  • And More!

We Insure All Drivers

We insure anyone and everyone. This includes any where from a young driver, to drivers who have a DUI(s) needing sr22, to preferred drivers who have good credit and a clean driving record.

Coverages We Offer:

  • We can write-up to a half million dollar combined single liability limit.
  • We Offer up to $25,000 in medical payments coverage.
  • Under insured or uninsured motorists is available on all policies.
  • Comprehensive and collision coverage is available, with deductibles as low as 100 dollars.
  • Roadside assistance.
  • Lien/Lease Gap Coverage Available.
  • Uninsured Motorists Property Damage Available for “Liability Only” Policies.
  • $50 Deductible Glass Coverage Available.

Visit Our ProgressiveAgent.com Listing

To Visit our ProgressiveAgent.com listing please click here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Progressive Insurance Quote!

To get a free Progressive insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

Landlord & Investment Property Insurance | Get A Free Quote

Landlord & Investment Property Insurance

As a landlord the last thing you should be worried about is your insurance. If you purchase or have insurance through our agency, you won’t. We offer comprehensive “worry free” landlord and investment property insurance. Work with us today to get a free quote on your home or condo. Our agents are licensed and experienced, and can put together a policy that is best for your property.

What if your property burned to the ground tomorrow, do you have adequate coverage? What If there is a slip and fall on your property, does your policy protect you? These are questions that we help answer at our agency.

Types Of Properties We Insure:

We insure properties of all types. This includes dwellings, duplex, homes, condos, small apartment buildings and more. Please consult an agent for details.

Coverages We Offer:

  • Dwelling & building Coverage
  • Interior Dwelling coverage
  • 120% Dwelling Extended Coverage
  • Business Personal Property(BPP)
  • Replacement Cost on BPP & Dwelling
  • Loss Of Rental Income
  • Loss assessment (If Applicable)
  • Landlord Liability
  • Sewer Back Up
  • and more!

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Landlord Insurance Quote!

We offer up to 5 personal lines companies for landlord insurance. To get a free insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

Can A House Or Apartment Fire, Damage A Foundation?

Concrete is used  in many parts of a home or building. This includes the foundation, barriers, support beams and other structures. Concrete is also used as a fireproofing, due to its low thermal conductivity. In a substantial fire, concrete can weaken and sometimes must be replaced. This is the reason why insurance companies account for a foundation, when insuring a building or dwelling.

Facts of Concrete Being Exposed To Fire

Up to 300 °C(572F),  the concrete undergoes regular thermal expansion. Above that temperature, shrinkage occurs due to loss of water. Aggregate continues expanding, which causes internal stress. Up to about 500 °C, the major structural changes are carbonation and coarsening of pores. At 573 °C(1063F), quartz undergoes rapid expansion due to Phase transition, and at 900 °C(1652F) calcite starts to shrink due to decomposition. At 450-550 °C(842 to 1022F) the cement hydrate decomposes, producing calcium oxide. Calcium carbonate decomposes at about 600 °C(1112F). Rehydration of  calcium oxide on the dropping temperture of the concrete causes expansion. This can cause damage to the concrete which sustained the fire without falling apart. Concrete that has experienced a fire and left standing for several years shows extensive degree of carbonation and deteriation.

The Temperture of a house or apartment fire.

  • A House or Apartment Fire can exceed 1100F is 3 1/2 minutes.
  • The Heat from a fire can spread to any room. These temperatures can reach over 300F without an active fire in that room.

Overall if concrete of any sort is exposed long enough to fire, it could cause little or even a lot of damage. This can be a concern, due to the fact that the foundation supports the dwelling or building and supports a lot of wait. A Structural  or Civil engineer can determine if a foundation is safe or not.

Sources:

http://www.fairviewok.org/id71.html

http://en.wikipedia.org/wiki/Concrete#Leaching

Halloween Parties And Your Home Insurance

Halloween is one of the most favorite times of year.  All kinds of events happen on this day, including Halloween Parties.  You will have your friend John dressing up like a giant banana and Suzie dressing up like Little Red Riding Hood.  Some people are going to have Halloween Parties this year.  Here are some things to think about before you host your Halloween Party at your home.

  • Make sure before hosting a party that you have a clear path from the street to your door.  Make sure there are no potential tripping hazards or delinquencies that could cause a slip and fall.  If you have snow on Halloween shovel your driveways, walkways and lay down salt in order to melt ice.
  • Make sure to confine your pets not only because people can trip and fall over them but you don’t want your pet to run away or get hurt.
  • Make sure all areas where people are going to be walking including dining room, living rooms, sidewalks, bathrooms and dens are well lit so people have a clear view of where they are walking.
  • Do not use open flames.  Even though this is a party killer, do not light candles because people have the tendency to knock them over and start a fire.  Use the electrical lights for your candles and your jack-o-lanterns.
  • If you are serving food, make sure that perishables don’t sit out too long.  You do not want your guests to get sick from food you serve.
  • If you are planning to serve alcohol, make sure you don’t serve your guests too much, and make sure they have a way home.  This can be a Taxi Cab or assign a designated driver.
  • Test all safety devices including fire alarms if applicable, test smoke detectors, and make sure your fire extinguisher is up to date.

In conclusion, a renter, a homeowner and a landlord can be potentially held liable for any incidents or accidents that occur on a property.  Make sure your homeowners, renters or landlord policy has enough medical payments liability coverage and premises liability coverage.  We recommend at least $5,000 Medical Payments and $300,000 liability coverage on homeowners. Also make sure that you homeowners doesn’t have an exclusion for liquor being served.  If you have any questions or would like a quote, please feel free to contact us.

The Liability Of Halloween Trick Or Treaters On Your Property

Halloween can be a great and fun time of the year. Those little pumpkins come to the door and say “Trick or Treat” and you give them all kinds of candy. Many Moms and Dads walk along with their children in gathering those little treats, and even sometimes grandmas and grandpas. As We all know they come on your property, ring your door bell and you give out goodies. The unforeseen threat is when the “trick or treaters” come  on your property, you could potentially be held liable for anything that could happen. This is if someone slips o falls, or any other type of “accident”. This could be if you are  a renter, homeowner or landlord. There are a couple of ways to prevent and protect yourself and we are going to explain what to do.

What To Do To Your Property To Prepare For Trick Or Treaters

  • Make sure there is a clear path from the street to your door. Make sure there is enough space for people to walk.
  • Have the area’s well-lit with light. This is so people can see clearly where they are walking on your property.
  • If its snows, shovel your driveway and walkways, and lay down salt. This is to prevent slip and falls.
  • Don’t have any hazards in the way or attractive nuisance’s.  This could be a hole you are digging in your lawn, or a pile of lumber or rocks in your yard.

Check Your Home Insurance Policy

Make sure your homeowners or renters policy has enough liability and medical coverage. We at least recommend having $5,000 in Medical Payments Coverage and having at least a $300,000 liability. Increasing these coverages will at most cost you an extra $50 dollars per year.  If someone sues you or there is a monetary judgement held against you due to an incident, your home insurance policy protects you.

If you take these basic steps it will assure a lot safer Halloween for you as a homeowner, and for your trick or treaters. Happy Halloween. If you have any questions or would like a quote, please contact us. Thanks for reading!