(800) 253-1482Landlord Insurance CO
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 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 MoreHow to Get Home Insurance to Cover Your Air Conditioner: A Step-by-Step Guide
Getting your home insurance to pay for your air conditioner can be straightforward for some, but coverage varies depending on your policy. Even if you have valid coverage, you might encounter resistance from your insurance provider. Fortunately, there are steps you can take to resolve coverage issues for your HVAC unit. Understanding Homeowners Insurance Coverage…
Read MoreColorado Landlord-Tenant Law: Know Your Rights
Tenant-landlord law in Colorado aims to provide a variety of guidelines and protections, but there is a lot that goes into the arrangement. This includes drafting contracts, a variety of rights, and navigating the ins and outs of real life that can be difficult to simply put onto paper.
Read MoreDoes switching home and auto insurance often raise my rates?
The Short Answer; Switching home and auto insurance frequently in pursuit of lower premiums might seem like a savvy financial strategy. However, this approach can sometimes backfire, leading to higher insurance costs in the long run by simply chasing teaser rates for new customers. Insurance companies know your entire insurance history and how often you…
Read MoreEverything you need to know about the home insurance claims process
Home insurance claims can be a bit daunting if you’ve never navigated the process before. Here’s a comprehensive overview: 1. Understand Your Policy: Before you can file a claim, it’s essential to understand what your policy covers. Most standard homeowners insurance policies provide coverage for: Dwelling (your home’s structure) Other structures (sheds, fences, etc.) Personal…
Read MoreThe Risks of Becoming a Landlord in Colorado
Entering the world of real estate investment by becoming a landlord is often considered a lucrative endeavor. While there’s potential for substantial financial returns, one must not overlook the array of risks associated with this venture. Understanding these risks is crucial for potential landlords who wish to make informed decisions and navigate the complexities of…
Read MoreColorado Springs Landlord Insurance – Affordable Rental Coverage
Protecting your investment and finances is important for any landlord but if you’re paying too much for coverage, it can defeat the purpose. This is why the team at Freedom Insurance Group prides itself on helping you enroll in coverage that makes sense for your rental endeavors.
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