Tips For Driving Safely on Icy Roads

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Navigating Winter Roads Safely: Key Tips for Driving on Ice

With ice, snow, and freezing temperatures, winter in Greeley, CO, can transform roads into slippery pathways. At Maanen Insurance Group, we prioritize your safety and want to ensure you handle icy conditions securely. Here are some indispensable tips to consider when roads become treacherous.

Slow and Steady Wins the Race

The prime rule of driving on ice is to curtail your speed. Speed limits are penned for ideal conditions, not icy roads. Reducing speed grants you heightened control and additional time to react to unforeseen situations. Remember, gentle movements can help avoid skidding.

Maintain a Safe Distance

Keeping a safe distance from the vehicle ahead of you is critical. Icy roads can significantly prolong stopping distances. By affording yourself more breathing space, you’ll have plenty of time for gentle braking and avoid collisions.

Brake Wisely

Braking on ice calls for finesse. Instead of abruptly slamming the brakes, apply slow, gentle pressure. If your vehicle is equipped with anti-lock brakes, avoid pumping them. Let the system take over to prevent wheel lockup and maintain optimal steering control.

Stay Alert and Focused

Steer clear of distractions and stay vigilant. Keep both hands on the wheel and consistently scan the road for potential hazards. Black ice is nearly invisible and can catch even seasoned drivers off guard.

Get Your Vehicle Winter-Ready

Ensure your car is prepped for winter. Check your tire tread and pressure, and consider installing winter tires for enhanced grip. Verify that your windshield wipers and defrosters are functioning properly to ensure optimal visibility.

Your safety is our top priority at Maanen Insurance Group, proudly serving the greater Greeley, CO region. Contact us to evaluate your auto insurance policy and ensure comprehensive coverage for winter’s demands. Drive with safety and confidence, knowing we’re here to support you.

Major Home Improvements And Your Home Insurance

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Many homeowners in the Greeley, CO, area have held their homeowner’s insurance policies for years and even decades. However, your insurer may not be aware if your coverage is sufficient. This could be the case if you have significantly improved your home over the years.

Home improvements can increase your home’s value and potentially add square footage. This can impact whether your home insurance is sufficient.

When should you call your agent?

When you execute a significant kitchen or bath remodel, expand the main bedroom, or add a room, you should contact your home insurance agent. They should also be contacted if you add a deck, a sunroom, a pool, or a hot tub.

While this may seem obvious, life does happen. You might be more interested in completing those improvements than ensuring you’re sufficiently insured. However, this isn’t a situation you want to find yourself in should you need to file a significant claim.

Maintaining communication.

It’s easy to forget about homeowners insurance, so reviewing your policy every year or two is advisable. This can provide you with peace of mind and ensure your coverage is up to date. We’re here to assist.

Get in touch with us for a homeowner’s insurance review and quote.

When you contact Maanen Insurance Group in Greeley, CO, we can answer any questions about your current coverage, regardless of the issuing company. We can offer suggestions where your coverage might be lacking or if it’s sufficient. We’ll also provide a quote, potentially saving you money, improving your coverage, or both.

For homeowners in the Greeley, CO, area, it’s time to stay connected to their homes. Contact us at Maanen Insurance Group.

What’s the NFIP?

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A surprising number of homes in Greeley, CO, are at high risk of localized flooding. The NFIP program may provide affordable flood insurance coverage to help protect these homes.

Understanding the NFIP

The National Flood Insurance Program (NFIP) was established by the U.S. Congress in 1968 and is managed by the Federal Emergency Management Agency (FEMA). Its primary goal is to offer property owners affordable insurance options and encourage communities to adopt floodplain management regulations.

The program is mainly for those in high-risk areas, although high-risk areas can also be highly localized. Even a tiny brook or pond could cause flood damage.

NFIP Flood Insurance Policies

NFIP policies are explicitly designed to protect homes and businesses from such disasters. By providing financial protection against losses due to floods, the NFIP can fill in coverage gaps. Homeowners insurance (and most commercial insurance) doesn’t protect against flood damage, even if they do protect against other causes of damage.

Moreover, NFIP policies are subsidized so that they can be affordable to the average homeowner. Coverage is often much more affordable than it would be through the private market, and sometimes, it’s the only way to get flood coverage.

Enrolling in the NFIP

To protect your home better against flood damage, contact us at Maanen Insurance Group. Our insurance agents know the details of the NFIP and can help you determine whether coverage makes sense for your Greeley, CO home. Assuming it does, our agents at Maanen Insurance Group can set you up with an NFIP policy so long as your home qualifies.

Why Every Business Needs Commercial Insurance

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If you own or run a business, you quite likely have a lot on your hands. There are so many risks and worries that business owners must contend with. While it’s impossible to eliminate every risk, there are steps you can take to mitigate many of them. If you live in or near Greeley, CO, and are looking for an insurance agent serving the area, contact Maanen Insurance Group to discuss commercial insurance options.

How Commercial Insurance Reduces Risks

Where there are rewards, there are usually risks. Businesses must deal with tough competitors, fickle customers, changing technologies, and more. Business challenges could make or break a company. Economic factors aren’t the only thing at play, however. There are many other threats to consider.

Many businesses rely on expensive equipment, from advanced robotics to laptop computers. What happens if someone were to break in and steal that equipment? Likewise, what if a tornado strikes your commercial property? Or a fire breaks out?

These risks are hard to predict, but protecting your business from them is pretty straightforward. The right commercial insurance policy could provide protection against those events and more.

Of course, what specifically is covered will depend on the specific insurance policy. Fortunately, you can work with an insurance agent to mitigate risks and protect your business. If an unfortunate event unfolds, the right commercial insurance plan could be the difference between rebounding or folding. As such, it is crucial for every business to take out commercial insurance coverage.

If you’re looking for an insurance agent that serves Greeley, CO, get in touch with Maanen Insurance Group. We would be happy to explore commercial insurance policies and how best to protect your business or organization. So get in touch at your earliest convenience.

Insurance For Different Home Types: Which Category Are You?

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Did you know that the type of house you live in can affect your home insurance rates? It’s true. Home insurance rates in Greeley, CO, can vary wildly depending on what kind of home you own. Here’s a breakdown:

  • Single-family homes: These homes are the most common and usually require an HO-3 policy. But it’s important to note that the actual insurance rate for this type of home will depend on factors like your home’s size, location, construction type, and age.
  • Older or historic homes: Older homes are required to have an HO-8 policy. Since they’re not built to meet current building codes and because rebuilding or repairing them costs more, they’re often more expensive to insure.
  • Condos: Condos typically need an HO-6 insurance policy. This type of policy provides coverage for the interior of the unit and the personal property it holds inside. The condo association usually has a policy that covers common areas and the exterior of the building.
  • Manufactured or mobile homes: Mobile homes require an HO-7 policy. These types of homes are more vulnerable to weather and fire damage, so their insurance rates are higher.
  • Renters: Renters need an HO-4 insurance policy. This policy provides coverage for personal property and liability, but it doesn’t cover the physical building. That is the landlord’s responsibility.

The type of home insurance you get will depend on the type of home you own and your specific wants and needs. Each policy offers different coverage levels, so its price differs from the other. At Maanen Insurance Group, it’s essential to understand what each policy covers and choose the one that best fits your needs.

Flood-Proof Your Investments with 5 Expert Flood Insurance Tips

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Living in a flood-prone area such as Greeley, CO, can be both rewarding and potentially risky. The captivating landscapes and closeness to nature can often obscure the hidden dangers of potential flooding until it becomes too late. Learn how to protect your home from flooding with the trusted local specialists at Maanen Insurance Group.

1. Determine Your Flood Risk

The key to protecting your investments starts with understanding your flood risk. A reputable insurance agency can help you judge your property’s vulnerability to flooding based on crucial factors such as location, elevation, historical flood patterns, and proximity to water sources.

2. Understand the Importance of Flood Insurance

Many new homeowners in Greeley, CO, mistake that flood insurance comes bundled with their homeowner’s insurance policy. Unfortunately, not all home insurance policies provide cover for natural calamities and flooding. Consult with a trusted local insurance agent to gain insights about your coverage options.

3. Regularly Review Your Flood Insurance Policy

It is paramount for homeowners to understand that their insurance needs may change along with the shifts in their everyday lives. Adding or removing home features, property renovations, or updates to local flood maps can all contribute to your flood insurance requirements.

4. Amend Coverage as Needed

Once you’ve reviewed your flood insurance policy and determined areas requiring attention, explore options to add supplemental coverages. Consult your insurance agent on how to obtain coverage for structural damage and personal property.

5. Secure a Comprehensive Flood Insurance Quote

Please don’t delay protecting your home, belongings, and family from the devastating effects of sudden flooding, floods resulting from natural disasters, and structural flooding. Contact the knowledgeable and amicable insurance agents at Maanen Insurance Group to get a comprehensive quote today!

Commercial Insurance for Every Type of Business

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All businesses grapple with unique challenges, irrespective of the industries they operate in. Whether your business is centered around high-risk activities like underwater welding or it’s a relatively low-risk operation such as a customer service center, commercial insurance can significantly make a difference. This truth is why businesses across the scenic Greeley, CO region depend on the professional and trustworthy agents at Maanen Insurance Group.

Bespoke Protection for Various Business Types

While commercial insurance is a requisite for specific business types due to the risk posed by their operations, others need it primarily to safeguard themselves from claims and non-high-risk liabilities. This fact stresses the importance of securing the correct tailor-made insurance for your company’s requirements, where professional agent insights and industry experience play a decisive role.

Aside from mitigating risks ranging from industry-specific to those beyond, commercial insurance can significantly enhance a company’s reputation. Several clients perceive businesses with comprehensive insurance as trusted partners, which uplifts the company’s image.

Securing the proper insurance makes good business sense regardless of your business type or industry. Commercial insurance mitigates repair costs from accidental damage and guards your company against claims and other liabilities.

Tailored Commercial Insurance Solutions

If you are a business owner based in the broader Greeley, CO locale and have unanswered queries about commercial insurance solutions and decisions, the competent and friendly team at Maanen Insurance Group is here for you. Contact us today to acquire more knowledge and safeguard your business with commercial insurance solutions specifically crafted to suit your business and its requirements.

Commercial Insurance Considerations for Businesses with a Fleet of Vehicles

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Commercial Insurance: A Must-Have for Businesses Relying on Vehicle Fleets in Greeley, CO

Operating a business that depends on a fleet of vehicles necessitates the right commercial insurance coverage. The vehicles might range from delivery trucks to service cars. Fleet insurance involves several unique aspects that ensure absolute protection.

Essential Coverage for a Vehicle Fleet

Businesses employing a fleet of vehicles commonly need varied insurance coverages to protect their staff and assets effectively. Such coverages incorporate:

  • Commercial Auto Insurance: This offers coverage for vehicles utilized for business-related activities, including liability for property damage or bodily injury and coverage for comprehensive and collision vehicle damage.
  • Cargo Insurance: Defends the products and goods transported by the fleet vehicles against theft, loss, or damage during transit.
  • Uninsured/Underinsured Motorist Coverage: Gives protection if a fleet vehicle is involved in an accident with a faulted driver who is uninsured or underinsured.
  • General Liability Insurance: This includes coverage for third-party property damage or bodily injury claims from operating your fleet vehicles.
  • Workers’ Compensation Insurance: Takes care of lost wages and medical expenses for employees injured while performing tasks related to the job or driving company vehicles.

Selecting Coverage Limits: Key Considerations

When picking commercial insurance coverage for a fleet of vehicles, businesses need to ponder their potential liabilities and specific needs. Factors like the size of the fleet, types of vehicles, and nature of business operations influence deductibles.

Adaptability and Customization of Policies

Many insurance providers offer policies that can be customized, enabling businesses to adjust coverages as per their specific needs. As their fleet evolves, businesses can add or remove coverages and alter coverage limits to suit changes in regulations or operations.

Maanen Insurance Group: Your Guide for Commercial Insurance

We at Maanen Insurance Group are equipped to answer all your queries regarding commercial insurance. We cater to the Greeley, CO area. Chat with us today.

How to Increase the Chances of Your Homeowners Insurance Claim Being Approved

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The necessity to file a homeowners insurance claim can be a stressful one, regardless of your reason for filing. Ensuring your claim is submitted and approved quickly can alleviate some of your stress. However, there is no way to guarantee that your claim will be approved because it’s at the discretion of your insurance company to approve or deny it. Even though you can’t guarantee your claim will be approved, there are ways to increase your chances of approval. Here are some tips for increasing your chances of having your homeowner’s insurance claim approved:

Be as Thorough as Possible

The more thorough you are when submitting your claim, the more likely your insurance agency will process and approve it quickly. What does being thorough entail? Providing details of what happened, along with any proof. Answering all questions thoroughly, documenting the incident carefully, taking clear photographs, and more. 

Being Responsive and Cooperative

Once you have submitted your claim, your adjuster may need to ask you questions. The more responsive and cooperative you are, the quicker your claim can be completed and approved. Insurance agencies don’t want to waste unnecessary time on claims but must perform thorough investigations. Part of their investigation includes interviewing you, which is why your responsiveness and cooperation can be helpful.

So, if you’re a Greeley, CO resident searching for a new insurance provider, you might want to consider us at Maanen Insurance Group. We here at Maanen Insurance Group have been providing top-notch customer service and policies to our customers for years, and we’re ready to provide the same for you. We provide coverage for Greeley Co, in addition to other areas. Give us a call today for a quote. 

Does Your Fleet of Commercial Vehicles Have Adequate Protection?

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The Maanen Insurance Group is here to help businesses in the Greeley, CO area protect their commercial fleet. When your company relies on commercial vehicles to get the job done, you want to ensure they’re protected. When your fleet is out of commission, your bottom line can suffer. Let us help you protect your commercial vehicles today.

Don’t Forget to Protect Your Commercial Vehicles

When vehicles in your commercial fleet are in the shop or otherwise out of commission, you want them back on the road as soon as possible. That’s why having the appropriate insurance in place is so important. Our team is here to sit down with you today to review your commercial insurance needs and review your current policies.

Fleet coverage can vary from company to company, and having an adequate amount of protection is important. No matter the type of commercial vehicles you use or the size of your fleet, we can help you with your insurance policies. Our knowledgeable agents can help you make an informed decision when selecting a comprehensive policy to protect your business.

We understand how much hard work and dedication goes into operating a successful business, and we want to help you ensure that you are protected, no matter what the future holds. 

Contact Our Team Today

If you’re a business owner or operator located in Greeley, CO, and the nearby communities, it’s time to get to know the team at the Maanen Insurance Group. We’re here to help you protect your business today and well into the future. Contact our office today to schedule your appointment.

We look forward to working with you!