How to Properly Insure Home Sweet Home

Whether this is your first home or one of many, here is a great tip.  Make sure you have adequate insurance coverage in case of a calamity.

The best home insurance from 1st American Insurance Agency is an insurance  policy that covers as much as possible and it is NEVER used.

Sleep Well at Night
This is the “sleep well at night” stuff that makes homeowners feel confident. If some unexpected thing happens, a great home insurance policy from 1st American Insurance Agency steps up to help make a very bad situation less painful.

Home insurance is a really great thing. Serious accidents happen rarely. All the homeowners who have great home insurance contribute to helping themselves and to helping others. If one particular homeowner has a big, unexpected problem the underwriters of the home insurance have enough money to help.

Consult with the agents at 1st American Insurance Agency and pay attention to the details about what is covered and what is not covered. For example, most home insurance does not cover damage by a flood. If you happen to be in an area that experiences damage from a flood, you need to have flood insurance as well as home insurance.

Guidance
The agents at 1st American Insurance Agency will help you to understand the specifics of your home insurance policy.

They are kind, considerate, and very patient in explaining all the details. Be aware you get what you pay for, and that means drilling down to the specifics of the coverage. A cheap price is not necessarily the best deal, when better insurance coverage is more appropriate.

Find a Great Insurance Agent with Expertise
Check with your insurance agent at 1st American Insurance Agency to make a review of your home insurance or get advice on a new policy that covers everything needed, which includes the home, its contents, and exposure to liability.

The agents at 1st American Insurance Agency are extremely qualified to help and they are ready to do this. Give us a call today or stop by our office in Lafayette!

Borrowing A Car 101

Borrowing a car may be something that is necessary from time to time. You may also want to be a good friend and allow someone to drive. Before you do anything, there are a few things you want to check out to prevent any problems.

Lending a Car

If you’re going to lend a car to someone, be sure they are licensed to drive. You may also want to look into their driving record since they are going to be behind the wheel of your car. Set up some rules, too. You may only want them driving during the day or locally. If they are going to use the car for any kind of commercial activity, be sure your insurance covers it. Many times, it is not going to have enough coverage for that kind of activity.

Finally, make sure your insurance is up to date and that the necessary coverage is in place to allow a driver other than yourself to drive your car.

Borrowing a Car

If you’re going to borrow a car, get permission from the owner. Find out what they are allowing you to do, whether it is to go to and from work, cross state lines, and more. Familiarize yourself with the rules and regulations of the area. You should also find out where they keep registration and insurance in the event you are pulled over at any time. It’s also a good idea to find out the name of the dealership or mechanic they use in case there are any maintenance issues that need to be addressed.

At 1st American Insurance Agency, we want to make sure you are safe when you borrow a car or even let someone else borrow your car. Call and speak to our agents to discuss auto insurance coverage in Colorado today.