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
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.
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.
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.
Having home insurance is a very important part of protecting your investment, whether it is a house that you have just moved to or one you have lived in for some time. As soon as you buy or build your new Greeley, CO home, you will want to make sure you have the right level of insurance, and if you already have a policy, you need to know it is right for you. You can get that information through Maanen Insurance Group. Here are six things you should know before you buy.
- Home insurance doesn’t cover every possibility
- You may need additional coverage depending on exactly where you live
- You should review your coverage limits every year
- Your insurance agent is a great resource when you have questions
- Your mortgage lender may require a certain level of insurance
- You should make sure you understand your policy
Never be afraid to ask plenty of questions about your home insurance policy. Your agent should be happy to give you all the information you need and will work with you to make sure you know what you have, what is covered, and what you may need an additional policy for. With all of that in mind, you want to make sure you have an agent you can rely on. Not knowing who to turn to when you have insurance questions can be stressful and frustrating, but the right company and agent takes all of that stress away. Whether you need a new policy, have to make a claim, or just have a question, you want to know who to turn to.
When it comes to protecting your Greeley, CO home, rely on Maanen Insurance Group to provide what you need. Reach out to us today, and let us help you get the coverage options that are right for your home, so you can have peace of mind.
Buying a new home is an exciting time. Whether you have moved across town or to another city, a new home represents many new memories together as a family. The first task, however, is to get the appropriate amount of home insurance. If you have a mortgage lender, they will stipulate the types and amounts of coverage that they require. This protects their investment in the property, but it also protects you as the homeowner. The agents at Maanen Insurance Group understands the needs of their clients in the Greeley, CO area. They can answer any questions that you may have and provide information on the policy options that are available to you.
A basic home insurance policy will provide coverage in the event of damage from a fire or weather damage. It will also protect the contents of the home and your personal possessions. The policy will also provide liability protection should an individual be injured while on your property if you are deemed to have been negligent. It can cover their medical expenses and legal fees if they sue. These costs can potentially be exorbitant so being protected as a homeowner is important.
There is a wide range of options available for homeowners, so it is essential to understand all of the terms. For instance, fair market value and replacement cost are two different options homeowners have. Regarding your personal costs, they present various advantages and disadvantages. Also, realize that flood damage is not covered by homeowners policies. If you are in an area that is at risk of flooding, you will need to consider additional flood insurance. The agents at Maanen Insurance Group in Greeley, CO can help you understand the coverage options that are available and what is best for you. Get the coverage you need today!
Both new homes and older structures share the same risk: a loose fitting or a broken pipe can quickly cause thousands of dollars of damage with leaking water. And the problem can be magnified if the leaking is on a second floor, dripping down through the floor onto the first-floor furniture and carpet. Most residential plumbing is designed to last for years, but if it is badly installed or the fittings have aged significantly, the results can be the same. And once water under pressure finds a leak, it doesn’t back off. The water will continue to flow and widen the hole until the source is shut off, usually well after the damage has occurred for a quite a period of time.
Water damage can be particularly bad because, like fire, it spreads and permanently ruins what ends up in direct contact with the moisture. Worse, water can also lead to mold damage, which can create greater problems both with staining as well as causing a toxic environment. No surprise then, cleanup has to be comprehensive and detailed, making sure all the damage is collected and repaired, not just what is immediately visible.
Because water damage can be a real risk in homes, homeowner’s insurance typically covers the risk. However, generic policies may not be enough, especially in areas that freeze during the winter which can be a major cause of pipes bursting into a home. The Maanen Insurance Group can help Greeley, CO residents find the right policy for their needs and ensure that coverage is complete. Homeowners don’t need to play a guessing game with their home’s protection; call the Maanen Insurance Group in Greeley, CO today and be comfortably protected in winter or summer, regardless of what might occur with plumbing in Colorado, Florida, Georgia, and surrounding areas.
Many homeowners have experienced power outages and water disruptions that ranged from a mere inconvenience to a long-term catastrophe. It makes sense to store some water and nonperishable foods and to consider alternate means of power such as a generator for the house. It also makes sense to have sufficient home insurance coverage to assist in recovery following the emergencies we often face in this life. Reliable coverage includes some weather-related incidents, accident and injury, and liability.
Home Insurance in Colorado
Home insurance is not required by Colorado law, but then, neither are generators. Either could prove valuable at some point. Of course, your mortgage company may require home insurance. It rests with the homeowner to make wise decisions concerning methods for protecting a home. Give us a call at Maanen Insurance Group, and we’ll tell you what home insurance coverage you need. This way, you’ll be prepared for those possible and unfortunate eventualities. Planning prevents many expensive incidents, and it reduces the financial strain that could not be avoided.
Visit us at Maanen Insurance Group in Greeley, CO where our experienced agents can research the best insurance available for your home, find discount packages, and set you up with reliable coverage that will see you through when life turns unpredictable. We proudly serve the Greeley, CO area and hope that all our neighbors have a safe and fun winter.
We know how important it is to prepare for weather events and accidents on your property. We can also answer questions that may help you make your home safer for your family and visitors. Safety takes planning, and planning takes knowledge. Give us a call and let us know how we can help you today.