Buying a Car in the New Year? What to Know Before You Get the Keys
A new year often means new wheels. Whether you’re upgrading your family vehicle or buying your first SUV for Colorado mountain travel, there’s more to car ownership than signing the paperwork. Before you drive off the lot, make sure your insurance is ready. Colorado buyers face specific risks and costs—here’s what to check off first. […]
Winter Sports, Snowmobiles & Insurance: What’s Covered and What’s Not
Colorado winters bring more than just skiing and snowball fights. Snowmobiles, ATVs, and winter sports gear are a huge part of local recreation. But too many people assume their homeowners or auto policy automatically covers these activities. It usually doesn’t. Here’s how to make sure your winter fun doesn’t lead to spring regret. 1. Snowmobile […]
Winter Driving in Colorado: What to Check in Your Auto Policy Before the First Storm
Driving in Colorado during the winter is no joke. Between black ice in Boulder, whiteouts on I-70, and surprise snow squalls in Colorado Springs, winter conditions bring serious risk. It only takes one storm to turn your commute into a potential insurance claim. Before the snow starts to fall, now is the time to review […]
Snowbirds from Colorado: How to Insure Your Property Before You Head South for Winter
Every fall, thousands of Coloradans pack up their homes and head to warmer states like Arizona, Texas, or Florida. Whether you’re escaping the snow in Highlands Ranch or leaving your Fort Collins home behind for the beach, being a seasonal “snowbird” comes with specific insurance responsibilities. Your home doesn’t stop needing protection just […]
Holiday Guests and Home Accidents: What Your Colorado Policy Should Cover
The holidays in Colorado are full of warmth, snow, and celebration. Whether you’re hosting Thanksgiving dinner in Boulder, a New Year’s party in Colorado Springs, or a multi-day family gathering in a mountain home near Breckenridge, there’s something magical about welcoming people into your space. But the reality is, more people means more risk. Accidents […]
Expecting a Baby in the New Year? It’s Time to Review Your Colorado Coverage Now
Bringing home a baby changes everything. It’s emotional, overwhelming—and a critical time to lock down your insurance coverage. Here’s what Colorado parents-to-be need to get in place before the due date. 1. Life Insurance: Don’t Wait If one or both parents die unexpectedly, the financial impact can be devastating. Life insurance replaces income, pays […]
New Job, New Commute: How a Career Move Impacts Your Colorado Insurance Needs
Starting a new job is more than just a professional upgrade—it can be a full lifestyle shift. In Colorado, that might mean relocating to a new city, adjusting to mountain weather, or setting up a home office in a ski town. Each of those moves impacts your personal insurance in real and potentially costly […]
Splitting Up in the Centennial State: How Divorce Impacts Your Personal Insurance in Colorado
Divorce changes everything—including your insurance. In Colorado, as you sort through property, custody, and finances, don’t forget to untangle your insurance policies too. Missed updates can leave you overpaying, unprotected, or accidentally covering someone you no longer live with. Auto Insurance If both spouses are listed on one auto policy, it’s time to split […]
Buying a Home This Fall in Colorado? Don’t Let Home Insurance Be an Afterthought
Buying a home in Colorado this fall? Then you’re navigating one of the toughest insurance markets in decades. The combination of inflation, natural disasters, and a spike in claims has created a “hard market”—where premiums are up, underwriting is strict, and some insurers are even pulling out of high-risk areas. That means getting insurance […]
Empty Nest, New Risks: Insurance Considerations When Colorado Kids Move Out
When the last kid moves out, your Colorado lifestyle shifts. Whether you’re in Highlands Ranch or Grand Junction, this phase often comes with new opportunities—downsizing, traveling, or investing in your home—but also new risks that your insurance should still cover. Auto Insurance Adjustments If your child takes a car to college, let your insurer know. […]
