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. 

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.

Most Common Home Insurance Claims Filed in Colorado

The most frequently filed home policy claims provide a guide for how you can reinforce your home to be heartier, so Maanen Insurance Group serving Greeley, CO wants you to know what causes individuals to need to file claims here in Colorado. Your home does not have to incur damage although named perils still occur.

In Colorado, five named perils likely cause damage to your home:

  • Wind
  • Hail
  • Fire
  • Lightning
  • Water

Thunderstorms, tornadoes, and other strong winds cause damage to your home. Hail also causes damage, stemming from thunderstorms. These storms cause average damage of $11,200. Roof damage tops the type of damage caused by these storms. The wind blows shingles off of the roof; hail knocks the shingles off or knocks dings and holes into the roof. You can have your roof reinforced after a roofing inspection. This adds a layer of protection to your home that makes it tougher for wind or hail to damage it.

Lightning also causes similar damage to roofs but also spawns fires. While this ranks as the second most common type of damage, it costs more. Fire damage claims cost nearly $80,000 on average. Fire damages the exterior and interior of the home as well as destroying property inside. You can add fire retardant protections to the inside and outside your home, including fire-resistant wallboard and paint.

The last most common damage type is water damage.  This occurs from snowmelt, rain, plumbing leaks, and burst pipes. The tears in your roof allow snowmelt or rain to enter the attic area or top floor if you have no attic. This causes damage to the home itself and the items inside. Conducting appropriate maintenance on your plumbing can help alleviate pipe bursts and related issues. The aforementioned roof reinforcement helps to prevent water damage from snowmelt and rain.

Learn more about how you can hazard proof your home by contacting Maanen Insurance Group serving Greeley CO and the surrounding area. Let us help you protect your home with homeowner’s insurance.

House Cleaning Tips for Winter

Cleaning your home for winter can save on energy costs and double work due to dust and debris buildup. The Maanen Insurance Group wants you to know that in Greeley, CO, you should start cleaning your home before winter, and here are you a few tips to help you get started.

Refrigerator

Although you may regularly clean out the inside of the refrigerator, you may forget to clean the outside. The refrigerator coils are either located on the back or the bottom, depending on what type of fridge you own. Once you locate them, vacuum the dirt and debris from the coils. You may need to use a damp cloth to get some of the stubborn dirt off. If these coils go uncleaned, it can cause your refrigerator to work harder using more energy and decreasing the life of your appliance.

Windows

It’s a good time to clean your windows and glass doors before it gets too cold. Use a bucket of soapy water to clean your glass and once it dries, go over it with a window cleaning solution. A natural solution is a water mixed with vinegar and lemon juice.

Air Filters

Replace your air filters so that your home’s air continues to stay clean and fresh. The size of the filter is written in the old one. Just pull it out and replace it with a new one. You can find air filters at your local home improvement stores or online. Replacing the filters will also keep the dust level down, so you won’t have to vacuum or dust your furniture as often.

Do a deep clean before winter starts, so you can enjoy the season and if you’re in Greeley, CO, you can stop by Maanen Insurance Group to see what types of insurance coverage you can get for your home.

Importance of Updating Your Home Insurance

Like many homeowners, you may be in the habit of renewing your home insurance annually without taking time to review your policy. Home insurance, however, needs to be reviewed periodically to ensure your coverage is up to date. Changes in your home structure or personal lifestyle could alter your coverage, making it less effective in protecting your Greeley, CO property. By discussing home upgrades or lifestyle changes with your Maanen Insurance Group agent, you’ll have a better idea of when it’s necessary to update your policy. 

Home Renovations

Major home upgrades like a new back patio or kitchen remodel can increase your home’s value. If you insured your Greeley, CO home at a lower rate, you’ll need to increase your dwelling coverage to ensure your home is fully protected against any eventuality. Otherwise, you could be caught short in the event of a total loss. You’ll also need to add renovations to your coverage so they’ll be protected against damage or loss.

Some renovations like a new roof or upgrades in your electrical or plumbing system could qualify you for a discount on your home insurance as they lower your risk of water or fire damage. You can discuss possible discounts with your agent when you update your policy.

New Furniture/Appliances

If your renovations include the purchase of costly electronics or an upgrade in major appliances, you may need to increase the limits of your property coverage to protect these investments against theft or loss. By getting replacement cost coverage for valuable goods, you’ll be compensated for their full value if they are stolen or destroyed in a covered peril.

Lifestyle Changes

Lifestyle changes like retirement, getting a dog or downgrading your home can also alter your home insurance or affect its cost. To update your policy and maintain the protection you need, contact Maanen Insurance Group today. 

Does Home Insurance Cover A Detached Garage?

Obtaining home insurance is a must when you’re in Greeley, CO. It ensures that you have protection over your home and everything that’s in it. If you have a detached garage, it’s essential to know that it is adequately protected. At Maanen Insurance Group, we can make sure you have a policy that is built specifically for your needs.

What does home insurance include?

Home insurance policies are innately the same, at first. They include coverage of:

  • Your home
  • The belongings in your home
  • Liability

Depending on the policy, it may or may not include other structures on your property, such as a detached garage. This is why it’s critical that you ensure that it is covered. Otherwise, if it is damaged in a storm, a fire, or something else, it may be your financial responsibility to repair it.

Whether the garage was there when you bought the home or it was recently built, you have to be sure that the insurance company states that it’s covered as part of your policy. Otherwise, claims involving the detached garage can be denied.

What are insurance add-ons?

Some add-ons can be included in your home insurance policy to provide customization. This allows you to include other structures on your property, higher levels of coverage for expensive belongings, and even different types of damage, such as wind or flooding.

To ensure that your home insurance policy includes your detached garage and anything else that may be on your property, you can use insurance add-ons to build the policy to your specifications.

When you’re ready to customize a home insurance policy in Greeley, CO, contact us at Maanen Insurance Group. One of our knowledgeable insurance agents will provide recommendations and help you to build a policy.

 

Does Home Insurance Cover Damage Caused By Wild Animals?

The terms and conditions of insurance policies are detailed and require an in-depth understanding of insurance protection. That is why it is essential to work with a skilled, professional insurance agent. They can answer all of your questions and help you find coverage that protects you from a variety of threats. For example, you may need protection from wild animals that may cause property damage if you live in certain parts of the country. An agent can help you find the policy that matches your needs in that situation.

Wild Animal Property Damage

In some parts of the country, damage as a result of wild animals is a common occurrence. Luckily, most home insurance policies cover wild animal damage as long as the animals is not a rodent such as rats and mice. Other common animals such as bears, deer, opposing, and raccoons can cause damage that is covered by a home insurance policy. To determine if a particular insurance policy provides wild animal damage protection, consult with your insurance agent before purchasing a policy.

Working With An Agent

If you are located in an area where wild animals are plentiful, you should make sure that you have an agent who is familiar with home insurance coverage that includes damage as a result of wild animals. Residents who live in and around the Greeley, CO area, should check out Maanen Insurance Group to get policy options and find out more about the limits of coverage as a result of animal damages. 

If you live in an area that is known for claims as a result of wild animals, then you should consult Maanen Insurance Group for more details about policy options. They proudly serve the residents of Greeley, CO and the surrounding areas. Call or stop by for more details.  

Do I really need a home inventory?

Living in Greeley, CO means being close to history and seeing the beautiful sights of nature, so many you may get used to them and forget to appreciate them after a while. But trouble can strike anywhere, and when you bought your homeowners policy from Maanen Insurance Group, you were being smart to protect yourself and your family from an unexpected loss.

You may be like many people who stopped here without making a list of all the valuables in your home. It seems like a huge job when making a list of all your possessions and their identifying markers. But if you ever suffer from a burglary or fire, that information may be invaluable when you try to make an insurance claim.

Why Need a Home Inventory

If you experienced a burglary, the person stealing your belongings was probably not careful when searching for something worth stealing. Your home is probably a mess, and it may be difficult to figure out exactly what is missing if you don’t have a list.

A fire would make the job even more difficult, and there will probably also be damage from attempts to put the fire out. It may not be safe for you to go through and try to list the damages.

Making an Inventory

Luckily, the job is not as difficult as it seems. One way to make it is easier is to walk around and take a video, zooming in on serial numbers and other identifiers. Then you can use an app or a simple spreadsheet to list the items at your leisure. 

If you have a home in Colorado, try to keep your home inventory somewhere safe so you can still get to it if something happens. If you have any questions or would like to talk about how to save money on youhomeowner’srs insurance, please feel free to call Maanen Insurance Group in Greeley, CO today.