(800) 253-1482Colorado Insurance Articles
Can You Have Two Different Home Insurance Policies on the Same House?
You can insure the same home with two different policies, but the real question is whether you should. For most homeowners, doubling up on coverage doesn’t double your protection. Instead, it usually creates extra paperwork, slower claims, and higher premiums without meaningful benefits. In this guide, we’ll walk through how dual policies actually work, why…
Read MoreCan You Change Insurance Agents Within the Same Company?
You can switch insurance agents without changing companies by submitting a Broker of Record letter. Your coverage stays the same while your new agent handles service and support. It’s a simple way to get better communication, guidance, and overall insurance experience.
Read MoreDo Auto Insurance Companies Use New or After Market Parts?
Auto insurance companies can use either Original Equipment Manufacturer (OEM) parts or aftermarket parts when repairing a vehicle after an accident, depending on the circumstances, policy terms, and applicable laws in your jurisdiction. Original Equipment Manufacturer (OEM) Parts: These are parts made by the vehicle’s manufacturer or an authorized supplier. They match the parts that…
Read MoreFinding the Best Emergency Roadside Assistance
Summary: Roadside assistance offers help with flat tires, fuel delivery, lockouts, and towing to nearby repair shops when needed. Coverage varies by provider and some plans cover longer towing distances or fuel delivery, though fuel costs may apply. Services usually include spare tire installation or winching for stuck vehicles. Monthly costs range from $5 to $25,…
Read MoreHow Does My Mortgage Escrow Pay My Home Insurance?
When you have a mortgage, your lender might require you to set up an escrow account to ensure that property taxes and homeowner’s insurance are paid on time. Here’s how the process typically works: Setting Up the Escrow Account: When you close on your home, your lender will often set up an escrow account for…
Read MoreHow Your Insurance Score Affects Your Home & Auto Premium in Texas
Summary: Your insurance score is composed of many factors and carriers look at them to determine how much you pay in premiums. One of the closest tied factors to insurance scores is credit scores. While carriers can use an insurance score to determine premiums, among other things, the Texas Department of Insurance (TDI) regulates these actions…
Read MoreColorado Wildfire Insurance – How To Protect Yourself
In The Centennial State, wildfires are a growing threat, and the need for Colorado wildfire insurance continues to grow. Learn how to protect your home.
Read MoreProtecting Against a Fender Bender in Colorado
Yes, a fender bender is considered to be a minor car accident. 70% of car accidents involve multiple vehicles but that means a sizeable number does not. The most common type of accident is a fender bender and Colorado drivers will need to decide whether or not they need to file a claim when facing such losses alone.
Read MoreMedical Payments Coverage Guide for Colorado Drivers
Every driver is required to maintain liability coverage and besides being the law, it’s an important coverage to help restore the loss of property and bodily injury for another party. But if all you have is liability coverage, you may have to pay out of your own pockets to cover your own medical expenses.
Read MoreIs Denver a Good Place To Live?
Discover the Appeal of Living in Denver, Colorado: A Vibrant Mix of Urban Amenities and Nature. Find out about its strong economy, abundant recreational opportunities, and attractive amenities. Explore if Denver is the ideal place for your lifestyle.
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