Is It Time to Update Your Home Insurance Policy?

If you have owned your Longmont, CO home for more than 10 years, it might be time to review your home insurance policy with your agent at 1st American Insurance Agency.  While your policy met all the requirements of your bank back when you moved in, does it really protect your most valuable investment now?

Are Your Home Improvements Covered?

Long-term homeowners often will add an extra room, install an in-ground pool, or erect a garage at some point.  If your home has not been reassessed since you’ve completed such projects, it may not be sufficiently covered by your home insurance policy. In a case of total loss, your policy should allow you to rebuild your home exactly as it stands today, not 15 years ago.

Could You Rebuild in the Current Market?

Since the housing crash nearly a decade ago, many real estate markets have fully recovered.  If you have paid off your mortgage, there’s a good chance that your existing policy only has your home assessed at pre-crash values.  It’s time to sit down with your agent and make sure that the structure and possessions have sufficient coverage to protect all your investments, ensuring that your home continues to provide for you for years to come.

Is Your Liability Up to Snuff?

As time goes by you might start a new business and begin to enjoy all the benefits of a good life.  However, if your liability portion of your home insurance policy only meets minimum requirements, your lifestyle can come under fire if somebody suffers an accident on your property.  Make sure that your Longmont, CO home insurance policy is able to cover most medical expenses in an accident by reviewing it with 1st American Insurance Agency today.

Summer Vehicle Maintenance Tips

This summer will be all the more fun if your car is looking great and well maintained. When the weather becomes warmer, there are certain things you can do to keep your car running with ease. The Longmont, CO agents at 1st American Insurance Agency have information regarding summer vehicle maintenance.

Air Conditioning and Coolant Systems

One of the most important things to do during the summer is to stay cool. You are not the only one who needs to hydrate; your vehicle needs water too. Make sure the fluids in your coolant system are at the right levels and that any hoses are free of leaks. Your vehicle will go longer distances and keep you cooler throughout the summer if your air and coolant systems are maintained.

Windshield Wipers

During the summer, the dry dusty air can hamper your vision. Dirty windshield wipers leave streaks and could make things worse when it starts to rain. When you wash your vehicle, make sure that you clean your windshield wiper blades. If they continue to produce streaks even after they’ve been cleaned, replace them with new ones. You can find replacement blades at your local auto parts store. You will just need the year, make, and model of your vehicle to get you started with the right size wiper blades.

Tire Pressure and Safety

Your tires are what keep you on the road. You may even spend more time on the road in the summer time. Tires can take a beating and you should check the pressure regularly. Low pressure can lead to rapid tire damage. Many contemporary vehicles have a Tire Pressure Monitoring System (TPMS) on the dashboard to alert you to a low tire pressure.

Your insurance partners at 1st American Insurance Agency in Longmont, CO are waiting to get you set up with auto insurance.