Auto and Homeowners Insurance Information for Colorado, New Mexico, Utah, Wyoming

May 9, 2020

For authoritative information and resources on COVID-19, including situation reports, guidance, and more, visit CDC’s website, CISA.gov/coronavirus, Colorado Department of Health and Environment, Colorado Governor Resource Page, New Mexico Resource Page, Utah Resource Page, Wyoming Resource Page

Rocky Mountain Region Insurance Bulletins: CO Insurance Payments, Renewals and Cancellation Provisions; FAQ for Renewals and Cancellation Provisions (5.38) CO Governor Press Release on Delivery Drivers; CO Delivery Driver Provisions; New Mexico Insurance Bulletin, Colorado DOI Business Interruption Insurance & COVID-19 FAQ

FEMA Flood Insurance Grace Period: News Release

SBA Coronavirus (COVID-19): Small Business Guidance & Loan Resources

https://www.sba.gov/page/coronavirus-covid-19-small-business-guidance-loan-resources?fbclid=IwAR3O5jQir9rGFWfx7FeUvpvq9vUAT0uAnPJ40OJFcrwjsLtwQCoyGbDjym4

NICB COVID-19 Resource Center

Colorado Emergency Preparedness Partnership: Readiness information for businesses to plan for potential organizational/workforce impacts from COVID-19. CISA.gov/insights. Register for the Colorado’s Business Emergency Operations Center (CO BEOC) for access to situation reports, coordination calls for needed resources and services.

“Is there business income coverage if a governmental authority requires

Mississippi Insurance Department – Homeowner’s Insurance

May 6, 2020

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Home > Consumers > Homeowner’s Insurance

Use the index below to go directly to a particular section on this page:

Homeowner’s Insurance And You

Most people do not think about homeowners insurance until they experience a loss. Homeowners’ insurance can protect you from significant financial loss by
providing a package of both liability and property coverages.

Whether you own a home, condominium or mobile home, rent an apartment, or live on a farm, homeowners insurance is valuable protection that you should not be
without. Your home probably is your largest and most important investment. A homeowners policy will help you protect that investment. Most lenders require that
you have homeowners insurance in place in order to protect their interest. The focus of this page is to help you better understand home owner’s
coveage and to provide tips on lowering your cost.

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Basic Coverages Included

Best Homeowners Insurance Companies: What Perks and Benefits Do They Offer?

May 4, 2020

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There are so many good things about owning a home: you can fix it up and sell it for profit, rent it out to someone else to earn income, or simply live in it yourself and never have to worry about rent. The downside is that there is insurance to consider. There is a variety of coverage options depending on where you live and what kind of house you own. What is it that the best homeowners insurance companies offer?

When shopping around for house insurance quotes, you need to know exactly what needs to be insured and what is included in the policy.

Some of the things you might need insurance for include:

• Protection for the dwelling itself, as well as any other buildings on the property like a storage shed or detached garage.

• Protection for the contents INSIDE the dwellings, like electronics, jewelry, furniture, appliances, etc…… Read More

Understanding Your Homeowners Insurance Policy

May 4, 2020

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Homeowners insurance is a policy that protects homeowners from financial liability resulting from damage caused to or on their property. There are several types of insurance policies with different options that protect owners from risk.

Insurance policies cover many risks such as: (1) lightning, (2) theft, (3) vandalism, and (4) falling objects in storms. Other potential issues such as: (1) explosions, (2) civil unrest, (3) falling objects, (3) vehicles, (4) smoke damage, (5) weight of ice snow or sleet, (6) freezing, (7) heating and air-conditioning (8) fire protection systems, (9) appliances, (10) fences, and (11) other dwellings, may be covered under your insurance policy. Standard insurance policies also cover damage from snow and damage to electrical and plumbing systems. Most insurance policies provide a $100,000 per person /$300,000 total per incident liability coverage. There are some surprising items covered under a standard homeowners insurance policy which include other household members’ … Read More

Homeowners Insurance Options – What is Good Neighbor Property Damage?

May 4, 2020

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There is a certain type of coverage option that is often included in a standard homeowners insurance policy that many people are not aware of. It is called the good neighbor property damage coverage. For people who have it, and many do, it will provide you terrific protection for damage caused to your neighbors home that you would be considered liable for.

How does it work? Simple. Coverage is provided for damage caused to a neighbors home by you cutting down a tree and having it smash in their fence. Or, coverage is provided if your kids are playing ball in the front yard and a ball goes through a neighbors window. Surprisingly, coverage is provided even if your neighbor can prove that your kids did damage to their home intentionally.

Damage caused to your neighbors house by pets is also covered with this good neighbor property coverage. If your … Read More

Challenges Of Homeowner’s Insurance and Dogs

May 4, 2020

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Dogs are a very important part of most modern day families. They can be considered children in several households. There are even day spas for dogs now. There’s no question that owning a dog is the standard. However, many people fail to realize that their homeowner insurance policies can be affected by owning a dog. Yes, that beautiful animal that cherish so dearly can also cost you more than just dog food and leashes. Did you know that the specific breed of a dog can cause increased rates or complete coverage denial on your homeowners policy?

Pit bulls, Doberman Pinschers, Rottweilers, German Shepherds, Chows, Great Danes, Akitas, Siberian Huskies and Wolf Hybrids are just a few of the dog breeds that may cause insurance companies to increase rates, deny coverage, or exclude from policies. Even just a mix of these breeds can often times be a problem for your insurance … Read More

Florida Homeowners Insurance | Kin Insurance

May 4, 2020

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While other insurance companies withdraw from Florida because of the high cost of hurricanes, Kin is proud to offer quality, affordable coverage to homeowners who need it most.

So what is the average cost of homeowners insurance in Florida? According to our data, Florida homeowners insurance is about $1,091 a year on average (though cost varies depending on your home’s characteristics, where you live, and other factors).

The best Florida homeowners insurance covers your home, other structures, and belongings for major risks, such as hurricane, sinkhole, and flood damage. If you want to experience peace of mind firsthand, get a quote today.

The average homeowner who switches to Kin saves $500 a year.

Creating the Best Homeowners Insurance in Florida

We are a fully licensed Florida home insurance carrier with a financial stability rating of “A – Exceptional” from Demotech, Inc. That means we have the financial strength to pay

Homeowners Insurance Policy Quote Guide: What You Need to Know About Standard Coverage and Add-Ons

May 3, 2020

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While you might not necessarily “legally” have to have home insurance, there is really no good reason NOT to have at least some type of coverage. After all, for the average person, their home is the most important asset – even more so than any vehicle. Even if you’ve already paid off your mortgage, it’s still in your best interest to search for the ideal homeowners insurance policy quote.

The basic components include coverage for the home and structures (electrical wiring, heating, plumbing fixtures, external fixtures, and so forth) as well as contents (furniture, electronics, clothes, plants, etc… ) What is it all protected from? This varies from policy to policy. However, it typically protects from common threats such as fire, theft, and water damage. There are certain regional threats that might require coverage, such as hurricanes, earthquakes, heavy snow, or tornadoes.

Since even small streams could potentially become ranging … Read More

Best Homeowners Insurance Buying Guide

May 3, 2020

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Options, add-ons, and separate coverages will increase the cost of a standard policy. But they could save you a lot of money in the long run.

Keep in mind as you price shop that some carriers may include these extras in their basic coverage while others may will charge you an added premium. The National Association of Insurance Commissioners offers a homeowners insurance shopping worksheet as part of its free shopping guide to help you approximate apples-to-apples comparisons.

Here are add-ons to consider:

• Sewer backup. This coverage would protect you if, say, a municipal line failure caused sewage to back up into your home, says Loretta Worters, a spokeswoman for the Insurance Information Institute. (Sewage backup could also be caused by tree roots growing into the sewer line.) The cost is $40 to $100 per year.

• Earthquake, hail, and windstorm. In our 2018 homeowners insurance survey, 6,940 CR

Your Homeowners Insurance May Not Cover Woodpecker Damage

May 1, 2020

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Meet Amy, City Girl that became a small town resident upon her marriage to George. The stark difference between living in the very center of urbanized civilization and township dwelling was somewhat of an adjustment for Amy. Sure she loved the sights and sounds of nature exposed: the lake, the trees, grass, flowers and the vibrant color of winged birds. Nonetheless, how she missed the hustle and bustle and – yes – even the noise of what she had always recognized as the center of commercial shopping, auto and bus traffic – honking included – and life as she had been bred to appreciate!

Though noise has always been the core of her existence, the incessant pecking on the side of her roof in small town America where she currently had set up residence did absolutely no good for her nerves. Five o’clock in the morning, you see was far … Read More

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Tag: Homeowners