Archive for the ‘Colorado’ Category

10 Ways to Save Money at Home!

As a homeowner, you should constantly be looking for ways to save on bills, energy, and your Colorado insurance. While it may seem almost impossible to do so at times, that could not be any further from the truth! There are always ways to save and we have ten easy ones to share, right here!

#1: Keep your thermostat set on automatic at the same temperature. Messing with the temperature over and over will affect your bill.

#2: Nix paper and plastic purchases by using ceramic or glass dishes, cups and silverware.

#3: Insulate your attic and close off rooms that are not in use. This will save on your heating bill.

#4: Unplug any appliances around your home that are not consistently in use, such as the toaster, electric tooth brushes, etc.

#5: Keep up with your home’s maintenance to avoid any big repairs, damages or issues.

#6: Instead of cranking the heat, invest in a few space heaters to use around your home.

#7: Bundle your policies with the same Colorado insurance company. Having auto, home and life with the same company is sure to save on your premium.

#8: Only run full loads of laundry and dishes. This can help you save on water costs.

#9: Make sure you do not have “too much” coverage. Speak with an expert about having the proper coverage in place without coverage gaps.

#10: Avoid eating out during the week. Not only is it worse for your waist, but it can drain your bank account. Fill up your fridge with healthy options and cook at home.

As you can see, there are always ways to save money at home! All it takes are a few mindful choices and the proper coverage. Be sure to speak with our Colorado insurance company today about putting the proper home insurance in place!

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Top 10 New Year’s Eve Safety Tips!

In only a few days, 2012 will be here! Can you believe it?

While we all enjoy celebrating New Year’s Eve with friends and family, we also realize just how dangerous it can be without the proper precautions. It is fact that New Year’s Eve is the night with the highest rate of drunk-driving accidents and collisions. If you and your friends are not careful about driving and throwing parties, you are sure to become a part of that statistic.

In order to keep you safe this holiday, our Colorado insurance agency has put together a list of the top 10 safety tips for New Year’s Eve. Take a look!

  1. If you are hosting a party, always serve food and non-alcoholic beverages along with the alcohol.
  2. Make sure your home is ready for guests to spend the night.
  3. Put away all fragile items and valuables in your home to prevent an accident or damage.
  4. Stop serving alcohol at LEAST an hour or two before guests will be leaving.
  5. Call your local cab agency to find out their rates and hours.
  6. If you will be driving home later, make sure you find a designated driver.
  7. If you are going over a friend’s place, always pack an overnight bag; just in case.
  8. Whether you have been drinking or not, always be alert on the drive home. You never know who is driving next to you!
  9. Be careful setting off fireworks. If you never have done so, it may be best to pass on this.
  10. Make sure your pets are safe and sound; many may be afraid of loud noises, fireworks, crowds and the rowdiness in your home.

These top 10 safety tips are only a few ways to help you avoid an accident on New Year’s Eve. As long as you are mindful of your actions and monitor your alcohol intake, you should be okay!

If you do experience an unexpected accident at home or on the road, have no fear. At Dagley Insurance and Financial Services, we make it easy for you to bundle your auto and home insurance policies. This way, you will have the proper coverage in place for an affordable price. If there is any time to have Colorado insurance, the time is now.

Happy New Year!

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New Year, New Home, New Colorado Home Insurance!

What better way to start off the New Year than to start over in a new home? Many Americans decide to make the move to start fresh! However exciting this move may be, it is sure to be somewhat stressful. To make this transition as smooth as possible, we have a few tips to share with you- including the best ways to organize yourself and the best Colorado home insurance for your new place!

#1: Make a to-do list. Be sure to write down all the tasks that must be completed. Without a written reminder, important tasks may slip your mind; a sure way to start stressing out!

#2: Label your boxes. You can never label your boxes enough. Whether you color coordinate, use stickers or just label with a sharpie, you will feel much more organized knowing what items are in which box.

#3: Pack the essentials. Dedicate one or two big boxes for the “essentials.” This box may hold a specific kitchen item or even extra moving clothes. Whatever it is, it is an essential that will need to be found ASAP once you are moved in.

#4: Look into coverage. Your new home is in dire need of reliable Colorado home insurance. Make sure you at least choose a typical policy to cover the physical structure of your home, liability, personal possessions, replacement costs and additional living expenses.

#5: Notify friends, family, and post office. It is important to let important people in your life know about your new address and telephone number. Be sure to change your address on your license and other documents as well!

#6: Keep important documents close. Any important documents or valuable items should not be packed away and handled by the movers. Be sure to keep them close by.

#7: Learn the area. Get to know your new area before moving day. Check out the closest banks, markets and even post office.

#8: Introduce yourself. Introduce yourself to the neighbors as soon as you get the chance!

Hopefully, the move goes as smooth as possible! With these few moving tips, you should be off to a good start for the New Year. Good luck!

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Are You Ready to Budget for College?

Can you believe the school year is just about halfway over? After winter break, high school students will only have a few months left until they graduate. For those who are planning on starting college in the fall, have you started to budget? College costs are NOT cheap! In order to prepare yourself for the costs ahead, it is always a good idea to budget. An easy way to do this is to use a budget calculator!

A college budgeting calculator will put all your expenses into consideration and figure out exactly what you will need. It looks at expenses such as:

-College tuition

-College textbooks

-Campus housing/room and board

-Food/groceries

-Travel costs (gas, maintenance, etc.)

-Personal toiletries

-Savings and investments

-Entertainment and activities

-Personal expenses

-Colorado insurance

-Miscellaneous and much more.

When you start to write down and see all these expenses on paper, it can be overwhelming! However, at Dagley Insurance and Financial Services, we want to help you budget. We can help you develop a practical investment plan that will grow.  Saving for college tuition and costs does not have to be as stressful as it may seem. We promise!

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Prep for the Party with Colorado Home Insurance

‘Tis the season to be throwing parties! This time of year means lots and lots of family and friend get-togethers. If you are planning on throwing a holiday party this year, it is important to properly plan. This includes preparing for your guests arrival and protecting your home with Colorado home insurance. The proper planning will result in a stress-free time.

Here are a few tips!

#1: Send out invitations early. Having your guests RSVP early will give you a better idea of how many people will be attending. This will help you plan much better!

#2: Clean up your home. Be sure to fully stock the bathroom, clean the living room and even the bedrooms. If you will be having children over it is important to child-proof the rooms, too.

#3: Clean your yard. Icy walkway? Throw down some salt. It is important that your walkway is clear and your yard is properly cleaned up. The last thing you need is a slip and fall on your property!

#4: Plan the menu. Figure out the dishes you will be making ahead of time to avoid last-minute scrambling. Do not feel bad asking guests to bring a dish, either!

#5: Protect your home. Having the proper coverage is crucial when you are having others over your home. Colorado home insurance will cover liability, the structure of your home, personal possessions and more.

#6: Ask for help. Have a family member or friend come help out before the big day. A few hands are much better than one!

#7: Set the mood. Decorate your home for the occasion to set the tone and mood of the party. Themes are not only for children!

Once you have properly prepared for the party, you should be able to enjoy yourself and mingle! Those who do not have to worry about the unexpected are sure to have a much better time. With our Colorado home insurance, you will not have to worry about an unexpected injury on your property or any unexpected damages.

Enjoy the party!

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