Personal

🏠 Your Home Is Covered—But What About Your Lifestyle? When Colorado homeowners think about home insurance, they often focus on protecting the structure of their house. But what happens when a covered claim makes your home temporarily unlivable? That’s where Additional Living Expense (ALE) coverage steps in. Also known as Loss of Use coverage, ALE…

The holidays are full of surprises—new jewelry, luxury handbags, art pieces, watches, skis, collectibles, and even high-tech gadgets that cost more than most people realize. While you’re busy celebrating, unwrapping, and making memories, there’s one small but important step that ensures your new treasures are financially protected: 🎁 Scheduling your holiday gifts on your homeowners

You Rebuild. The City Says “Upgrade.” Who Pays? Imagine this: a kitchen fire causes major damage, and your homeowners insurance policy covers the cost to rebuild. But when the contractor gets started, you find out your electrical system and insulation no longer meet current building codes. Suddenly, you’re on the hook for thousands in required

Understand how these two coverages work together to protect your vehicle in Colorado. When reviewing your auto insurance policy, you’ve probably come across the terms comprehensive and collision coverage. While they’re often bundled together as part of your car insurance, they protect your vehicle in very different scenarios—and deciding whether to carry one, both, or

Buying a new car is exciting — but navigating the insurance that goes with it can be confusing, especially in Colorado. Whether you just rolled a new SUV off the lot in Denver or upgraded your commuter car in Broomfield, it’s important to understand how our state’s unique driving conditions, weather, and insurance regulations can

Life is full of milestones — marriage, children, career changes, retirement. Each new season is exciting, but it also comes with new responsibilities. For Coloradans, these transitions are the perfect time to pause and ask: Does my insurance still fit my life today? Insurance isn’t one-and-done. As your circumstances evolve, so do your risks —