Insurance For Different Home Types: Which Category Are You?

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.

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

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. 

Tiny Homes, Big Coverage: What You Need to Know About Insuring Tiny Homes

Tiny homes have become a big trend in recent years, offering a minimalist lifestyle with maximum efficiency. These pint-sized dwellings are not only environmentally friendly but also budget-friendly. However, when it comes to insuring your tiny home, Maanen Insurance Group, serving Greeley, CO, wants to inform you about a few key considerations to remember.

Choosing the Right Coverage

Insurance for tiny homes is different from traditional homeowners’ insurance. While it covers many of the same perils, such as fire and theft, it’s tailored to the unique needs of tiny house owners. Make sure to select a policy that covers your tiny home’s specific features and your personal property inside.

Factors Affecting Premiums

Several factors can impact your tiny home insurance premiums. These include the location of your small home, its size, the materials used in construction, and your personal insurance history. Be prepared to provide detailed information about your tiny house for an accurate quote.

Customization and Add-Ons

Just like traditional homeowners, tiny house owners can customize their insurance policies. Consider adding coverage for solar panels, appliances, or other valuable additions to your tiny home. Working with an insurance provider who understands the unique aspects of tiny homes and can tailor coverage to your needs is essential.

Insuring your tiny home is critical in protecting your investment and ensuring peace of mind. By choosing the right coverage, understanding the factors affecting premiums, and considering customization options, you can safeguard your tiny home and enjoy all the benefits of this compact, eco-friendly lifestyle. If you want to ensure any sized home in the greater Greeley, CO area, contact Maanen Insurance Group for assistance today. 

Why your home business needs commercial insurance

Home businesses have become increasingly popular for many reasons, and it has raised some very valid concerns about whether or not a home business needs to have commercial insurance. At Maanen Insurance Group in Greeley, CO, we are always available to discuss any insurance concerns you have. Our team of independent insurance agents can help you make the best decision for your business. 

Commercial property insurance

While you own the physical building and have home insurance, you still need to consider commercial property insurance to cover the things you use to conduct business. Home insurance will cover the walls, but your business will not get the coverage it requires. If you want to get into operation quickly, having commercial property insurance is vital.

Commercial liability insurance

Home insurance has liability coverage that protects you from injuries to guests in your home. That coverage does not extend to people who visit to do business. Insurance won’t cover their injuries if you provide services or goods at home and clients or customers visit your home. You need to have commercial liability insurance to protect yourself. 

Commercial auto insurance

If you have a personal auto that you are using for business, whether it is visiting customers or clients or delivering goods, you may be shocked to find out that your traditional auto policy does not cover business use. You need a commercial policy to get the coverage you need to protect yourself and your vehicle. 

Contact Maanen Insurance Group in Greeley, CO, when you are in the market for commercial insurance or have concerns about your coverage. Give our office a call to get the assistance you require. 

Things that aren’t covered by home insurance

Home insurance offers you the protection you need to sleep at night. Buying a home is probably the largest purchase you will ever make in your life. It makes sense to ensure you have enough coverage and the right kind of coverage to protect that investment. At Maanen Insurance Group in Greeley, CO, our team has the knowledge and experience you need to get the right policy for your needs.

Earth movement

Earth movement is not just one thing. It means earthquakes, sinkholes, mudslides, and landslides. All of these are excluded from a traditional home insurance policy. If you live in an area where any of those pose a risk, you can purchase the additional coverage to give you the protection you need. 


Floods are one of the most costly and damaging of natural disasters. They can happen almost anywhere. Unfortunately, floods are not covered by traditional home insurance. Flood insurance is provided by the NFIP (National Flood Insurance Program). It can be purchased in two parts, one for the structure and one for the content. 

Owner neglect

Maintaining your home is something that the insurance company expects you to do, and they will not pay for any damage that results from your not keeping things in good shape. They will also not pay for the results of wear and tear. If your roof is old and leaks, it will not be covered. If your home gets termites, they will not be covered; you are expected to get treatment before they cause damage. 

Sewer backup

A sewer backup is one of the most disgusting things that can happen to your home. Even more disturbing is the fact your home policy doesn’t cover it. 

Contact us at Maanen Insurance Group in Greeley, CO for all your home insurance needs. 

Tips to prepare your house for a thunderstorm

When the weather gets stormy here in the Greeley, CO area, ensuring your home is prepared for the worst is essential. Here are a few tips from us at Maanen Insurance Group on how to protect your house from a thunderstorm: 

  1. Secure any outdoor furniture and objects that could be blown away in strong winds. Make sure all windows and doors are shut firmly to prevent water damage. 
  2. Check and clean up gutters to ensure proper drainage in case of heavy rain. 
  3. Unplug all electronics, appliances, and electronic devices – power surges can occur during storms and cause them to malfunction or even catch fire. 
  4. Turn off your main electricity switch before the storm arrives in case of a power outage, and turn off gas valves if you have one. 
  5. Secure loose items like bookshelves, curtains, and other heavy objects that can fall over during strong winds caused by thunderstorms. 
  6. If you have flashlights or lanterns handy, have them ready if the power goes out so you can still see your way around safely in the dark during a thunderstorm. 

Remember that safety comes first when preparing for a thunderstorm – ensure everyone is inside and secure any items outside your home that may become dangerous if not taken care of beforehand!

For more tips or to protect your home and family with a flood insurance policy, call us at Maanen Insurance Group today. We proudly serve the Greeley, CO area and would be happy to help you find a policy that meets your needs and your budget. Call us today!

Will Home Insurance Cover Hail Damage to Your Roof?

Anyone living in Greeley, CO knows that the weather can change instantly. The seasons are vast, and you get everything, including hail, from time to time. Your home insurance plays a crucial role in protecting your living situation when the weather takes a turn for the worse. One of the common questions the Maanen Insurance Group gets is about hail and whether or not home insurance will cover hail damage to your home’s roof.

Dwelling Coverage

Most homeowners insurance policies will include what is known as dwelling coverage. The dwelling coverage will help cover the costs to either do a repair or a replacement to parts of your home as a result of hail damage.

The piece of the puzzle that you need to remember here is the deductible. You need to pay your deductible before getting anything out of your coverage. If you have a $1,000 deductible, that is the amount you pay out of pocket before collecting from your insurance company. If the damage cost is less than the deductible, think twice about filing a claim with your provider.

Roof Replacement Cost Coverage

When it comes to hail damage and a roof, you can add to your homeowner’s insurance policy. One of the coverages you can add includes roof replacement cost coverage. With this, the coverage will help with the cost to repair hail damage done to your roof at its actual cash value or ACV. This comes out to the value of the roof today.

Talk to the team at Maanen Insurance Group about home insurance and where roof replacement cost coverage comes into play. You can never be prepared enough with the weather in Greeley, CO.

What You Can Do To Prevent Slip and Fall Injuries Around Your Home?

One of the lesser-known ways home insurance can protect you is by helping you if you are sued for a slip and fall injury on or around your property. However, one of the best ways to protect yourself from slip-and-fall accidents is to take steps to minimize the chances of someone slipping and falling on your property. Read along as Maanen Insurance Group, serving the Greeley, CO area, offers tips on preventing slip and fall injuries around your home. 

Ensure Your Concrete is Level

Concrete that is cracked can start to become unlevel. When this happens, part of the concrete slab can rise or sink, which creates a tripping hazard. You can do things, including concrete repairs or replacing your concrete surface, to help ensure your concrete is level and minimize the chances of someone tripping and falling. 

Using De-Icers in the Winter

Another tip that can help to minimize slip and fall accidents around your home is to use de-icers in the winter months. Sprinkling your driveway and walkway with salt can help melt ice, which can help prevent someone from slipping. 

Keep Your Property Well Lit

Lastly, always ensure that your property is well-lit. People are more likely to get hurt on a dark property. Ensuring your property is well-lit can go a long way in minimizing slip and fall accidents. 

Unfortunately, there is only so much that you, as a homeowner, can do to help prevent slip and fall accidents. Having the right home insurance is vital if a slip and fall accident occurs at your home. Here at Maanen Insurance Group, serving the Greeley, CO area, we can work to ensure that your homeowner’s insurance covers you in all situations. Call us today to learn more. 

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.

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.