Who needs home insurance in Longmont?

If you are in the Longmont, CO area, there are many forms of insurance coverage that you may need to have. One form of insurance that many people here need to have is home insurance, which can provide you with protection for your dwelling and give liability protection. There are several scenarios when having coverage is a necessity. 

Anyone with a Mortgage

Due to the amount of money that it can take to purchase a home, the majority of home buyers will end up taking out a mortgage when it comes time to close. If you do take out a mortgage, there are certain rules and requirements that you will need to abide by. One important rule to follow is regarding insurance. Your lender will have specific insurance requirements that will need to be met at all times. 

Those in a Home Association

If you have purchased a home that is part of a larger association, you are also going to need to understand the rules that are in place. Any home association will have a rule book that you need to follow. One section of this will display the insurance requirements that all members need to have. Most of the time, it will also be a requirement that you provide recurring evidence of this insurance.

As you are looking for home insurance in the Longmont, CO area, it is very important that you carefully consider your personal needs. There are many situations when having this form of insurance is going to be a necessity. If you are looking for insurance here, you should call the 1st American Insurance Agency. The team at the 1st American Insurance Agency can help you by answering any questions and helping you to build and get into a quality policy. 

Does Auto Insurance Cover Vandalism in Longmont?

Vandalism to a car in Longmont, CO can be done for any number of reasons. In some cases, the damage is intentional while in others, it’s purely accidental. But no matter how it occurs, your car will still need to be fixed. 1st American Insurance Agency wants you to know more about whether this will be covered under your policy. 

Check Your Terms

Vandalism is generally covered under your auto insurance policy, as long as you have extended coverage for it. If you simply have liability for it, then the damage will not be covered.  Vandalism is a crime, which means that the law does require the offending party to pay for the damages.  However, because vandalism is often completed far from the eyes of witnesses or law enforcement officials in Longmont, CO, you may not ever be able to get the justice you’re looking for. 

What You Can Do 

There are a number of ways to protect your car from vandalism. The simple act of finding a garage to park it in it can go a long way toward keeping others away. This may mean paying extra for valet or taking the time to pull into the garage every night. Or you might consider getting a dashcam to ensure that you can at least see who the person is who vandalized your car or how it occurred. 

If you’re concerned over whether your policy covers this particular act, call 1st American Insurance Agency today to find out more about the conditions of your contract. We’re here to help you get a handle on what might happen, and how you can have the right safety net should it occur. You might need to change your policy to ensure that you get what you need, so start the conversation with us today.