Benefits of Working With an Independent Home Insurance Agency in Greeley, CO

Working with an independent agency is always the best option when you need home insurance. You can expect these benefits when working with an independent home insurance agency in Greeley, CO.

1. Personalized Service

Independent agencies have a long, proud history of excellent customer service. You’ll be able to work with an insurance agent who will get to know you and your family. This way, they can better understand your needs and find the right home insurance policy for you.

2. More Choice

Working with an independent home insurance agency gives you more choice in finding a policy. Independent agencies have access to different insurance companies. You can compare rates and coverage to find the perfect policy for your needs.

Your Maanen Insurance Group representative can help you find the best Greeley, CO home insurance policy for your needs. Call us today to get started!

3. Easy Claims Process

Working with an independent home insurance agency will make the process easier if you ever need to file a claim. Your agent will be there to help you every step of the way, from filing the claim to getting the settlement you deserve.

4. Focus On Your Needs

An independent agency isn’t aligned with one particular insurance company. This means they’re not trying to sell you a policy that isn’t right for you. Their only focus is on finding the best possible home insurance for your needs.

These are just a few of the benefits of working with an independent home insurance agency in Greeley, CO. If you’re looking for the best possible coverage at the best possible price, contact Maanen Insurance Group today. We’ll be happy to help you find the perfect policy for your needs.

Do I Need Flood Insurance?

Even if flooding isn’t common in your area, you may still need flood insurance. At Maanen Insurance Group in Greeley, CO, we offer flood insurance policies that meet the needs of local homeowners. 

Flooding Basics 

Floods are the most common natural disaster in the United States. When you think of a flood, you may picture submerged homes. However, even a few inches of water can significantly damage your home. 

Flooding is more common in some areas, but it can happen anywhere. Heavy rains, spring snow thaws, and hurricanes are common flooding causes. 

Who is Required to Have Flood Insurance? 

Some homeowners are legally required to have flood insurance. These are homeowners in a high-risk flood area who have a federally insured or backed mortgage.

Even if you don’t meet these criteria, your lender can require you to purchase flood insurance as part of the terms of your mortgage. 

Do I Need Flood Insurance? 

Do you need flood insurance? In short, yes. A standard homeowner’s policy doesn’t typically cover flooding. A flood policy will cover damage even if a state of emergency isn’t declared. 

Remember, even a few inches of water can damage your home. If you don’t have flood insurance, you’ll need to pay for repairs out of pocket. 

You may be wondering about federal disaster assistance. This comes in two types. One is a loan, which must be repaid-with interest. The other is a disaster grant, which averages about $5,000 per household. These types of relief will still leave you paying a great deal out of pocket to repair damages if a disaster is declared. 

Flood Insurance at Maanen Insurance Group

If you need flood insurance in Greeley, CO, contact us at Maaneen Insurance Group. We’ll help you choose the best policy for your needs and situation. 

Protect your inventory with commercial insurance

If you are a Greeley, CO business owner who needs to protect their inventory, you can count on the team at Maanen Insurance Group. Covering your company with the right commercial policy is an integral part of keeping your business protected now and in the future. We are here to help!

Protect your inventory with the right commercial insurance policy

Inventory management is a key part of any business’s success. If your company has a significant amount of inventory, it’s important to have the right amount of coverage. When calculating your coverage needs, it’s important to value your inventory at its highest level. This is especially true for seasonal businesses. For example, if you have a large amount of winter sports equipment like snowmobiles but are obtaining your policy in the summer, consider those higher inventory levels.

When you have a local agent that is your insurance partner, these decisions can be made a lot easier. Knowing the level of protection that you need makes choosing the commercial policy more straightforward. A comprehensive commercial policy is the first step in crafting an insurance portfolio that will provide the protection your business needs.

Without an inventory, there is no business. And, if yours is destroyed or damaged during a covered event, it can cause a major disruption to your operations and cash flow. Fortunately, recovering from such a loss is much more manageable when you have the proper protection from your commercial policy. Find out more today to protect your company.

Make sure you have the right commercial policy today

Maanen Insurance Group is here for the Greeley, CO business community. If you need to increase your inventory protection or have any other commercial insurance concerns, call our office today.

Protect Your Business in Greeley, CO

As a business owner in Colorado, you need to protect your property in case of an accident or natural disaster. Commercial insurance protects against large-scale events that are beyond your control. Here are a few options to consider when insuring your business.

Liability Insurance

This type of insurance protects your business against lawsuits. If an injury occurs on your property or because of your business operations, liability insurance can help cover the costs of medical bills and legal fees. Your Maanen Insurance Group agent can help you choose the right coverage for your business.

Property Insurance

Your business is likely your most significant investment. Property insurance can help protect that investment in case of a fire, theft, or another covered event. It’s vital to have property insurance to rebuild or replace your business if something happens.

Business Interruption Insurance

When a covered peril forces your business to close, business interruption insurance can help with the cost of lost income. This type of insurance may keep your business afloat while you make repairs or wait for customers to return. How much and how long the coverage lasts depends on your policy.

Commercial Auto Insurance

Commercial auto insurance is a must if you use vehicles for your Colorado business. This type of policy covers you in case of an accident while driving for work. It can also help protect your employees if they travel on company business.

Make sure your business is fully protected by talking to an agent at Maanen Insurance Group in Greeley, CO. We can help you choose the right coverage for your needs. Call us today.

Buying A New Home? When Do You Need To Procure Homeowners Insurance

Don’t Put The Cart Before The Horse.

Buying a new home is one of the most exciting experiences a human being can have. There’s indeed a thrill no matter how many times you’ve sat at the table to close the deal on your new or newest home. A new beginning. Maanen Insurance Group has a professional team to assist you in insuring the brand new opportunity inherent in your home. Colorado, as well as many states, require that you have home insurance before your closing date.

Maanen Insurance Group in Greeley, CO has a staff that’s efficient and proficient in many insurance policy needs. Home insurance is not the only insurance that they provide service for. However, the professionalism demonstrated will make you think it is their specialty. Many home insurance needs are unique to the individual’s situation.

There are some general options that you will note on a multitude of policies. Colorado and other states have standard options that include:

  • coverage for your dwelling
  • coverage for personal loss
  • coverage for others on your property
  • coverage for other structures on your property

Greeley, CO Residents are Our Neighbors

This beautiful area has a heart as well. Residents take pride in their homes and look out for their neighbors. An insurance company that looks out for you is key to a great home insurance experience. Staff at a quality home insurance agency will let you know if you need additional coverages or riders on your policy. Your home insurance policy should be as individual as you are.

Contact the staff at Maanen Insurance Group by phone or email. We will help you navigate the home insurance acquisition process. 

Does Your Business Need Commercial Vehicle Insurance?

If you utilize your personal vehicle to run errands for your small business, you may be wondering whether this is alright or if you need to purchase a commercial auto insurance policy. Ideally, the best way to determine what you need is to consult with one of our agents at Maanen Insurance Group. However, here is some basic information for Greeley, CO small business owners.

When Do You Need Commercial Auto Insurance?

Your standard auto insurance coverage will only apply when you are using your vehicle for personal use and not any kind of business-related tasks. In the event, something occurs while you are using your vehicle for business purposes, you will be solely responsible for any damage, expenses, etc.

It is important to understand that this is true even if you only drive your vehicle for business purposes every now and then. A commercial auto insurance policy is necessary. Otherwise, you will face the financial burden of any property repairs, medical bills, and the like. These expenses can add up rather quickly.

In some instances, you may not need an entirely new policy. Instead, you may be able to add an endorsement to your personal auto insurance policy.

In either case, commercial auto coverage will offer more coverage than a personal auto insurance policy.

Contact Our Team to Schedule a Consultation

When you aren’t entirely sure whether you are in need of commercial auto insurance, get in touch with our insurance team at Maanen Insurance Group. We can sit down with you, discuss your individual situation, and get you set up with a commercial auto insurance policy (if needed) in Greeley, CO.

When Should I Consider Flood Insurance

At Maanen Insurance Group, we are always considering the insurance risks for our clients. You don’t have to spend as much time, but you should know the key points in time to consider purchasing flood insurance.

When Purchasing a New Home

Picking a home also means you pick the geography and climate of its surroundings. Unless there has been recent flooding, other concerns can make it easy to consider floods a far-off problem that might never happen. A home purchase can stay with your family for hundreds of years, and that’s the time scale that flood risk prediction uses. Knowing the flood risk of the house and its surroundings might influence your long-term outlook. 

When the Floodplain Maps Are Updated

FEMA updates its flood risk maps with the help of locals. Greeley, CO has been working to update these maps, and they are expected to come into effect in 2022. As these maps are updated, your home might be moved into a different flood risk zone that influences your insurance rates and liabilities. If you act quickly after a change, you may be eligible for short-term discounts.

Regular Disaster Risk Checkups

Examining the threat of disasters to your home and family gives you a chance to recognize danger before it can strike. For floods, the long-term nature of the risk means an annual checkup of the same research you did before purchasing a home or flood insurance should be enough. With the time it takes to update floodplains maps, you should see upcoming changes in plenty of time to get any discounts. For example, Greeley, CO residents who checked at any point this year would know when the new maps are expected.

Right Now

Even if you are not in an area where flood risks are high, not having flood insurance leaves a vulnerable gap in your financial future. Maanen Insurance Group will get you into the right policy as fast as possible to get your monetary sandbags in place.

The Impact of a Speeding Ticket on Colorado Auto Insurance

When you get a speeding ticket in Colorado, of course, the cost of the ticket will be a stress on your mind. But there are other ramifications to getting a speeding ticket in Colorado that you will also consider.

The impact of a speeding ticket on your Colorado auto insurance could also be steep, but it will depend on the circumstances. It does not mean that you won’t be able to get car insurance again.

At Maanen Insurance Group, we want Greeley, CO drivers to get the coverage they need, regardless of their driving record. We can help.

The Cost of Speeding Tickets

The actual cost of your speeding ticket is never going to be the actual cost. You are going to see a hike in your insurance premiums as well. This is just how the system works.

In Colorado, however, you have to be careful of the rate of your speed. Any conviction for speeding over 25 miles an hour could result in a criminal misdemeanor charge, large fines, and potential jail time.

If you don’t have a ticket that bad, you will still get demerit points on your license and will see changes to your insurance premiums.

This all becomes part of your driving record which is used by auto insurance companies to determine the cost of your premiums. 

The Impact on Your Car Insurance

You are not required to tell your car insurance company when you get a ticket when it happens. Most people don’t. It is likely that they will find out when your policy renews though.

You can expect a hike of approximately 25 percent on your car insurance after a speeding ticket of any size.
Depending on the problem with your ticket, you may also be considered a high-risk driver. That could mean an additional impact on insurance premiums. 

Get a Quote

It is normal to get a speeding ticket. It happens to almost everybody. At Maanen Insurance Group, we want Greeley, CO residents to get the auto coverage they need without worry. Call us for a quote today.

How to Assess Flood Risk in Greeley, CO

Whether you’re a potential transplant considering making your home in a new town or you’re a long-time resident, you should always know the flood risk level of any home you own or plan on owning.

FEMA maintains a website where you can sort through flood risk maps by location. If you want a reliable resource from a government source, start here. Updates to the map are also dependent on the local floodplain coordinators, so maps from different areas may not be the same age. If you search for Greeley, CO where Maanen Insurance Group is proud to offer flood insurance brokerage, you can see maps ranging from a few years old to less than a year old. Once you find the grid with your home in it, you can see the exact locations of flood risk zones and other features relevant to assessing flood risk.

For a faster breakdown of information from a wider range of sources, FloodFactor is an easy online tool made by a non-profit and relied on by notable real estate companies. The information is quickly broken down into a digestible format whether you look at a house, a city, or a larger area. With the adjustable map, you can see the same information available on the FEMA site with zoom and scroll features. While the more user-friendly of the two features, you should use both to double-check.

Even if these websites didn’t have sobering facts, like that there are over 700 homes in Greeley, CO with over a 26% chance of a flood within 30 years, there is a chance that flooding could happen. Maanen Insurance Group can pair you with the right flood insurance policy to protect your home from a risk that is nearly inevitable over time but still could happen at any moment without warning.

Is It Time to Update My Home Insurance Policy?

After working so hard to own your home, buying home insurance is the next best decision you can make. Since you’ve probably spent your entire savings building that home, it makes sense to invest in home insurance to secure your home. However, after buying a home insurance policy, it doesn’t mean you forget about your coverage. With house improvements that happen from time to time, your policy can become inadequate and leave you vulnerable to losses. 

To that end, it’s paramount to keep updating your home insurance from time to time. Wondering when to update your insurance? Maanen Insurance Group got you. Here are the reasons why you should review your home insurance.

You’ve remodeled your home

When you upgrade your roof, kitchen, or add a bathroom, you must let your insurance agent know. Home improvements have a significant impact on the value of your home, and your coverage needs adjustment to cover the upgrade adequately. While your premium may rise by a few dollars, it’s essential to have the right coverage in the event of a claim.

You’ve sold or bought an expensive item

In addition to covering your structure, your home insurance covers your belongings to a specific limit. As you purchase new items and sell out others, you must update your insurance to cover these changes.

You’ve purchased a new pet

Home insurance provides liability coverage in case of a dog bite. If you welcome a new pet in your home, you should update your insurance to include your pet in your liability claim.

Home insurance in Greeley, CO

Folks, there you have it. There are tons of reasons why you need to upgrade your home insurance. If you’ve made any change in your home, and you are unsure whether you need an upgrade, talk to your insurance agent for clarification.

Ready to upgrade your insurance? Please contact Maanen Insurance Group to initiate the conversation.