Three Myths About Colorado Flood Insurance

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There are many misconceptions about flood insurance and what it covers. While many homeowners understand that the National Flood Insurance Program (NFIP) handles this coverage in most areas, you may wonder where to get it. If you want to know more about flood insurance in Greeley, CO, turn to the helpful team at Maanen Insurance Group. We’ve compiled the three most common myths about flood insurance in the Rocky Mountain state to get you started. 

Myth #1: You Can Only Get Flood Insurance if You Live in a Floodplain

If you live in a floodplain, your mortgage lender will probably require you to purchase flood insurance. Fortunately, Greeley is a member of the National Flood Insurance Program (NFIP), meaning anyone living here can seek coverage through the organization. Keep in mind that it takes up to 30 days for coverage to kick in.

Myth #2: Homeowners Insurance Covers Flood Damage

In most cases, homeowners insurance won’t cover flood damage. Instead, you need a flood insurance policy that you can purchase separately. Speak with your agent to find the right coverage for your home or business. Because of a potential coverage delay, purchasing flood insurance as soon as you buy your home is a good idea.

Myth #3: If Your Property Has Previously Flooded, You Can’t Get Insurance

You can protect your business, apartment, or home against future flood damage, even if it has previously been damaged. Greeley, CO, and other member communities offer residents access to the National Flood Insurance Program (NFIP), so they don’t have to stress about potential damage from natural flooding or other events. 

You can’t always rely on FEMA to reimburse you, even if the government declares a national emergency. Contact the agents at Maanen Insurance Group to learn more about flood insurance coverage in Greeley, CO. 

Navigate Colorado’s Rocky Roads with Auto Insurance

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While many Colorado drivers understand that having minimum liability auto insurance is mandatory and a legal requirement for all drivers in the state, not everyone understands what having other forms of car insurance does for drivers. 

Navigate Colorado’s Rocky Roads with Auto Insurance

Navigating the winding mountain roads gives Colorado drivers a unique perspective as this rock-filled terrain presents its own set of challenges. Protecting your automobile with insurance is one of the best ways to shield your auto investments from financial loss if your car is in an accident. 

Colorado auto insurance can also protect drivers against unpredictable weather that can wreak havoc on local roads, causing winter pileups and ice-related car accidents. 

Auto Insurance with Comprehensive Coverage Offers Non-Collision and Collision Related Protections

Driving on rugged mountain terrain means that Colorado drivers may find themselves coming into contact with steep inclines and curves that lead to major or minor accidents. 

Collisions with deer, elk, or bears also concern Colorado drivers. Having adequate comprehensive collision insurance can help shield drivers from financial loss.

Friendly Insurance Agents Can Help You Choose the Right Policy in Greeley, CO

Knowledgeable and friendly insurance agents at Maanen Insurance Group in Greeley, CO can talk to you and your family about the best options for getting auto insurance based on your circumstances and driving history. 

Agents can explain the differences in common insurance types, which include liability, collision, and comprehensive collision coverage. You can also get a free quote to see what your options are based on your personal circumstances, budget, and your driving history. 

Please don’t wait until it’s too late to protect your wallet from an auto accident. Talk to the auto insurance experts at Maanen Insurance Group and get a quote today! 

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

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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 is Flood Insurance Important?

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As a homeowner, there are not too many things worse than watching water enter your basement, crawl space, or house due to flooding. Many homeowners have incorrectly assumed that flooding is included in their regular home insurance policy, but that is not usually the case. Our agents at the Maanen Insurance Group serving the Greeley, CO area want you to know that both flood and earthquake insurance policies can be added to your home insurance policy so that you will be covered if a disaster occurs.

What Does Flood Insurance Cover?

A flood insurance policy will help cover the structure of your home and any of your personal belongings, appliances, electronics, furniture, and other items affected by a flood. Since more flooding occurs throughout the United States each year, it is better to be safe than sorry and have a flood insurance policy in place, even if you do not live in a flood-prone area.

Your house is probably one of the most significant investments of money, time, and energy you will ever make, so you will want to ensure that it is adequately covered for all different types of situations, including flooding.

Flood insurance policies are designed to cover up to a certain amount of the value of your property. This comes in handy if a flood, hurricane, or other weather event happens and causes flooding in your house.

Contact Maanen Insurance Group

To create the best flood insurance policy for you and your home, contact our agents at the Maanen Insurance Group serving the Greeley, CO area today and get the peace of mind you deserve.

Why your home business needs commercial insurance

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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

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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. 

Flood

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

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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!

The Best Ways to Protect Your Small Business

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As a small business owner, you’re probably aware of the many vulnerabilities you may be open to. Luckily, the Maanen Insurance Group in Greeley, CO team understands what you’re up against and is here to help you find the best ways to keep your business safe. Let’s take a closer look at just some of the ways you can be sure that your business has the resources in place to stay protected.

Get Serious About Cybersecurity

As technology advances and becomes a more significant part of our lives, so does the risk of data breaches. Make sure you take the time to ensure that you have all of the necessary preventative measures in place through a comprehensive cybersecurity plan. It’s vital that you keep your security practices up to date and properly train your employees in an effort to fend off would-be hackers.

Make Sure You’re Compliant

You need to be aware of countless business rules and regulations for your long-term survival. Maintaining compliance with these laws can ensure that you stay in good standing with both the local and federal governments. Compliance can range from digital and physical security practices to taxes and licenses. Keeping up with your compliance can work to help you avoid headaches in the future.

Help Protect Your Assets With Commercial Insurance

Arguably, one of the most effective ways to protect your assets is to work with a Greeley, CO insurance agent to get the best commercial insurance for your business. There are many different types of commercial insurance, and each company has its own unique risks to consider. To get the best coverage at the best rate, contact the Maanen Insurance Group today for a personalized plan. We can’t wait to speak with you!

What Does Commercial Property Insurance Do?

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Commercial property insurance is not a requirement by law for those living in Greeley, CO, but it can help protect you in various situations. If you own retail space, for example, that you rent out to others, this can indemnify you if you have to seek legal action due to nonpayment. Other problems can arise, such as property damage for which repairs are needed or disputes between you and the other party. 

Commercial property insurance is a good option for many business sectors, including automobile repair, wholesale retailers, and companies that house their offices in a building instead of remotely employing workers. Warehouse owners, distributors, and shop owners can also benefit.

Inventory can be stored in sheds, barns, or other structures, and these can suffer loss when affected by the fire. You may also temporarily lose income, and property insurance can help restore some of this to you. Your Maanen Insurance Group representative can review this benefit’s particulars with you. 

If you own a store and come into contact with the general public, you risk a customer slipping and falling and injuring themselves. Your commercial property insurance helps cover costs related to their medical expenses and lost wages. 

High winds or heavy winds can also affect your building, and if you live in an area prone to hurricanes or tornadoes, these can cause severe financial outlay. Commercial property insurance also helps you when you are a victim of theft or of vandalism to keep these costs from coming out of pocket. 

Maanen Insurance Group Can Insure You

We help those living in the Greeley, CO, area and look forward to working with you. Please get in touch with us by phone or online to schedule your appointment to speak with us in person. 

Will Home Insurance Cover Hail Damage to Your Roof?

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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.