It Only Takes a Minute

Lafayette, Colorado is home to quite a few fun and interesting events. It is home to an oatmeal festival, a wine festival and even a peach festival. We like to have fun and enjoy our sense of community. Many enjoy entertaining in our homes, never giving our homeowners insurance a second thought. The problem is; it only takes a minute for someone to accidently get hurt. Are you properly prepared for a significant personal injury claim?

A personal injury claim can result from a throw rug or a slippery stair. They can come from an uneven concrete walkway or a hole in your backyard. They can originate from a neighbor or friend, delivery person or the guy who mows your lawn. It only takes a minute, and every day it occurs to people who once said “Yeah, but that would never happen to me.”

If you are unsure about how well your homeowners insurance liability coverage would help in the event of a personal injury claim, it’s time to get a homeowners insurance review. A review of your homeowners insurance will verify where you think you are covered and what the actual limits are. Many people don’t look at their homeowners insurance policy for years. That can be dangerous. It also may be costing you money.

You see at 1st American Insurance Agency, we are an independent agency. As an independent agency, we can review the homeowners insurance policies of any company. If you like, we can get quotes that can save you money. In fact, you can try for yourself. Visit our website and get a comparative quote on your homeowners and auto insurance. We think you will like what you see.

Contact us at 1st American Insurance Agency today. After all, it only takes a minute.

Spring Inspections: Your Roof and Your Foundation

As we get into spring, your home in Colorado has two major areas that deserve your attention. The first is the roof and the second in the foundation. These two critical components serve as sort of the bread to the sandwich of your home in stability and protection.

You should take some time to visually inspect your roof from every angle. Look for uneven areas, missing shingles or other signs of wear. If you notice any, get them repaired quickly. They will not get better and the damage that a un-repaired roof can cause could be severe.

You should also check your foundation inside and out. Look for cracking between bricks or cinder blocks. Pay attention to sticking doors and windows. If your porch is sinking have it attended to quickly.

Your next question may be “Will my homeowners insurance cover these problems?” The answer will lie in an insurance review. The problem may be however, that this is a question that should have been asked prior to the problem occurring.

An insurance review can update you on where your policy stands against various perils. If you are lacking in coverage, an independent insurance company like 1st American Insurance Agency can help. We can search a variety of providers to find you a great rate without sacrificing coverage. Compare at our website. Get a quote on your auto or homeowners insurance right online. If you would like an insurance review, contact us.

Make sure you are protecting the important components of your home like they are protecting you and your family. Contact us and ask about roofing and foundation coverage for your home. At 1st American Insurance Agency, we are here to assist you in protecting the value of your family’s home.