Archive for the ‘Homeowner Insurance’ 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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The Holidays Are Here! Are your Decorations Up?

With the holidays only a few days away, we thought we would check up on the status of your decorations! While many Americans may have their décor all ready, others are scrambling to put up the tree. While holiday decorations are beautiful and fun for all, they can also be extremely dangerous without the proper care or caution.

In order to avoid a decoration disaster, our Texas insurance agency has put together a few safety precautions.

#1: Check your holiday lights. Holidays lights are beautiful both indoors and out. However, it is important to make sure that all bulbs are working properly, not cracked and the wiring is not damaged. Be sure to also check the label for a UL or ETL label to make sure they are safe to use!

#2: Hang up the stockings. Decorating the fireplace and mantle is great around this time of year, but be careful with placement. Make sure stockings are not too low, or else a jumping ember could start a small fire.

#3: Put up the tree. Whether real or fake, it is important that you keep your tree away from any heat sources to avoid a fire. Place your tree in a study stand to avoid a fall and pass on glass decorations if you have children!

#4: Put out the Menorah. If you are celebrating Hanukkah, it is time to light the Menorah! However, remember to put out the flames if you are not around or sleeping.

#5: Keep your pets safe. Avoid using tinsel on the tree. Tinsel is a choking hazard for animals, especially cats. It is also important to make sure you pass on the mistletoe and poinsettias because both are toxic to animals if ingested. Your pets should be able to enjoy the holidays, too!

If you have yet to decorate, get moving! You only have a few days left to enjoy these decorations! As long as you are careful and mindful of placement and these safety tips, you should not experience a holiday mishap.

However, if you are faced with a fire or any other damages to your home, our home insurance policy is sure to keep you safe.  You will have coverage from your personal possessions to the physical structure of your home. Be sure to speak with our Texas insurance agency if you are concerned with your policy.

Happy holidays!

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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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‘Tis the Season to Child-Proof Your Home!

Before we know it, the holidays will be here! This is a great time for families and friends to get together and celebrate- all ages. To prepare your home for your small guests this season, it may be a good idea to child-proof your home. You wouldn’t want any accidents or injuries on your property to put a dent in your finances. Luckily, your Colorado homeowners insurance will be there as back-up, too!

#1: Hide your fragile pieces. Have an expensive vase in the family room? As nice as it looks, it is a good idea to put it away.

#2: Use the back burners. You will be doing an awful lot of holiday cooking, especially when family is over! If you can, use the backburners to avoid any grabbing or reaching from small passer-bys. If you need all burners, remember to turn the handles inward.

#3: Put the animals away. We understand, your puppy is a part of the family too! However, if any of the children are too rough, your dog may nip at them. The last thing you need is a dog bite!

#4: Stay covered. The holidays are usually a good time to increase your coverage. For extra protection, update your Colorado homeowners insurance with additional policies such as valuable articles and animal liability.

#5: Decorate wisely. Be sure to put all your fancy, glass, and expensive decorations at the TOP of the Christmas tree, where children cannot reach. If not, you can consider your favorite decoration shattered.

We realize that it is only the first week of November, but you can never start preparing too soon! Thanksgiving and Christmas will be here before we know it; and those little ones will be running around the house.

If you are planning on updating your Colorado homeowners insurance, do it soon! It’s better to be safe than sorry, especially during the holidays!

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DIY: Slab Leak Prevention for Texas Homeowners

As a Texas homeowner, you are probably well aware of slab leak issues. For those who are not: a slab is a leaking pipe inside or underneath the concrete of a foundation. While these leaks may happen unexpectedly and unknowingly, homeowners will eventually find out; whether he or she notices a wet spot on their floor or even feel a shift in the foundation.

If you are worried about a slab leak costing you hundreds of dollars, have no fear! Your Texas home insurance can be designed to cover the damages. However, we have even better news for you: there are ways you can prevent slab leaks in your home!

Here are a few options:

#1: Watch your water pressure. If your water pressure is too high, a pipe may accidently burst. Your water pressure doesn’t have to be painfully low- as long as you find a balance!

#2: Monitor the water’s pH level. Again, find a balance when it comes to your waters pH level. Levels that are too high or too low will have a corrosive effect on your pipes.

#3: Have a professional come in. Having a professional plumber come in and check your pipes every few years may be a good idea. This way, you will be able to monitor its status and track any changes or damages.

#4: Watch your use of chemicals. You may need that Drano to unclog your shower but be careful! Too many chemicals may have a negative effect on your pipes.

Maintaining your home’s plumbing is crucial in order to prevent slab leaks from happening. However, these prevention tips are not always going to stop Mother Nature. It is best to play it safe and make sure your Texas home insurance covers these types of damages!

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