What are the available add-ons for a homeowners policy?

In Longmont, CO, as well as the rest of the United States, a homeowners insurance policy is vital to cover emergency issues, such as theft or natural disasters. But what if you experience a sewage backup, as many unfortunately do? Most policies do not have this coverage, so owners end up paying thousands out of pocket to clean up the mess! The add-on for coverage of sewage backup is often only in the ballpark of $50 per year. 

It is essential that you speak to an agent at 1st American Insurance Agency, serving the needs of Longmont, CO, in order to discuss a plan that works for you. Basic homeowners insurance policies cover possessions (like art and jewelry), damage to the physical structure from certain disasters (fire, for example, but not floods), and the medical expenses and/or lawsuits against you caused by someone’s injury within your dwelling. Again, individual policies differ, so talking to an agent at 1st American Insurance Agency is vital.

If you own pieces that are very valuable, consider special coverage for them, whether individually or as a collection, which drops the deductible and adds additional coverage like theft from the premises or breakage. 

If you live in an area that is more prone to disasters such as earthquakes or floods, separate plans are necessary, as they are not covered by a standard policy. 

If you own recreational or watercraft vehicles and store them at your house, chances are they won’t be covered by your basic policy, either. A rider to cover the cost of these apparatuses must be purchased.

Additionally, if you have a home-based business, your homeowner’s policy will exclude it from coverage. If you are going to have a business, be sure to get an add-on just in case there is damage to electronic equipment, computers, etc.

Keeping Auto Insurance Costs Down in Longmont

The best way to keep your auto insurance costs down may have nothing to do with calling a variety of insurance company and comparing rates side-by-side. The more you know about how insurance cost rates are calculated, the more likely it is you will find ways to keep them down. Let 1st American Insurance Agency give you a few tips about what to do if you live in Longmont, CO, and want to tighten up your budget.

Brushing Up Your Skills 

No matter how many years you’ve been driving, there are always ways to get better. Becoming more mindful of what’s on the road all starts with practice. Whether you tend to get heated up under the collar when a driver cuts you off or you just find yourself bored on the road, there are ways to become a better defensive driver. The fewer speeding tickets you get, the fewer accidents you cause, and the fewer near-misses you see on the road all add up to better insurance rates. Breathing techniques, schedule changes, and even just learning more about what defensive driving looks like can really help. Sometimes all it takes is avoiding the times when traffic is at its worse to become safer on the road.

Finding Help 

If you live in Longmont, CO, then now is the time to call 1st American Insurance Agency to find out more about how you can plan for the next few years. Let our agents answer any questions you may have. We know just how much it matters to take a few deep breaths before you find yourself in a situation that could have been avoided. Give us a call now if you’re gathering information about rates, and let us work out the right policy for you!