What can happen if you don’t have homeowners insurance?

Homeowners insurance is a very important thing to have. To understand why it is so important one must understand what homeowners insurance is. Homeowners insurance is a form of property insurance that is designed to protect ones home against damages to the house itself or the possessions that are in the home. It can also provide liability coverage against accidents that take place in the home or on the property. In the United States there are seven forms of homeowners insurance that have become standardized.

Disasters can strike at any time and in Lafayette, CO it is important to be covered. Many things can occur in Lafayette, CO such as severe storms, floods, wildfires, and more. The weather in Colorado changes so often that a small storm can drop a funnel cloud or tornado for a quick warm up to melt off the snow with the intensity. Luckily the National Weather Service relays weather messages, but if your home is not protected then it can be a disaster. Wind, wind driven rain, falling objects, or the collapse of a structure can cause damage to one’s home and if they are not insured then that can cause a lot of pocket expenses. Severe storms can cause floods and water damage to the home, which can lead to mold.

Wildfires threaten homes and personal property in Lafayette, CO, and without the homeowners insurance the home can have smoke damage and fire damage to the property and no help will be provided for damages. With those damages it can get expensive, but with homeowners insurance it can help cover your home and personal property for the actual cash value.  Contact an agent at 1st American Insurance Agency to learn more today.

Safe Driving Tips for the Morning Winter Commute

Living in Lafayette, CO means also living with snow for part of the year.  While people in Colorado love the great outdoors when the snow the falling – hiking skiing, sledding, snowmobiling and having fun in the snow are always on the do list.  But what usually isn’t so much fun is the morning commute during nasty weather.  This is a time to be extra careful so that you can avoid an accident.  Read on to lean about some driving safety tips you can start applying to the morning commute now.  

Stay at or Under the Speed Limit

Driving slowly during the morning commute when the roads are slick will give you ample time to stop if the vehicle in front of you suddenly stops.  You will also be able to respond faster in the event you needed to swerve out of the way, for example.  

Avoid Aggressive Drivers

Being in a hurry when driving in bad weather can be a disaster waiting to happen. Provide distance between yourself and any driver that is speeding and constantly switching lanes.  

Don’t Take Your Eyes off the Road

Accidents can happen in a split second, and those chances increase when the weather is bad.  Fiddling with the controls, reaching for a ringing cell phone, or turning around to talk to someone in the back should be avoided during a morning commute with nasty weather.  

Be Insured

Even when you do your best to remain safe during a drive into work when the roads are dangerous, accidents can still happen. That’s why it is important to have excellent auto coverage insurance in Lafayette, CO. At (agency name) we help you find the right coverage at the right price that will give you peace of mind as you brave the morning roads during a heavy snow fall.