How Will a Video Inventory Help if My House is Burglarized?

Video inventories are a great way to keep track of all your most valuable items. When you include a video inventory with your actual list of possessions, it allows your insurance agent to give you a better idea of how much insurance you should have in place to protect your home. at CO Insurance Specialist, the agents can assist Wheat Ridge, CO residents in creating a video inventory that can be used to help replace any items that are damaged in a burglary, house fire or flood.

Provides a Verifiable Record

A video inventory can be used to match existing items with those on your inventory checklist. This can be done by recording each items’ model and serial number. If new items are purchased, record videos of the box as well as the item and its identifiable information. This will go a long way in assisting your agent in recovering your items if they are stolen or damaged.

Shows the Condition of Your Items

A quality video will also show the condition of your items. While this may not seem important, it will show the condition of your item while it was in your possession versus when it was recovered. If there is extensive damage, it may need to be replaced.

In Wheat Ridge, CO, the agents of CO Insurance Specialist can provide you with instructions on how to properly create a video inventory of all your possessions. It is important that you keep a copy and then give one to your insurance agent so that they can have a record of your valuables. If a burglary occurs, contact your agent and they will be able to get your claim processed quickly by using your video inventory!

The Disadvantages of Getting Auto Insurance Through an Auto Dealer

Buying insurance for a new vehicle through an auto dealer is a huge financial blunder. In the excitement of getting a new car, many fall victim to getting pricey auto insurance. This does very little to protect them. It only covers the lender and puts commissions in the pocket of the auto salesperson.

You will likely get a lousy deal if you buy auto insurance through the auto dealer. They cannot let the car go off the lot without it having insurance, but you will get an inferior insurance solution.

How to Get Auto Insurance for a New Vehicle

There is a much easier and better way to do this. First, before you go to the dealership to look at the new cars, contact your agent at CO Insurance Specialist, serving Wheat Ridge, CO and the surrounding area. They will open a file for you, collect all the information needed and leave a blank space for the vehicle information with everything ready to go. You do not have to know what vehicle you will buy. Just go looking.

When you decide, place a call to your insurance agent. The agent will need to know the total purchase price, the year, model, and make, and the vehicle identification number (VIN). The insurance quote is calculated and the agent will fax or email a copy of the certificate of insurance to the dealer. Then, you can drive the vehicle off the lot with that certificate proving coverage.

This process is super easy if you simply take a moment to set it up in advance. For those who procrastinate, all the process, from start to finish, can be done over the phone if you are already at the dealership. Take a time out. Call your agent to get the coverage that not only protects the vehicle but also its driver and occupants.

Insurance Review

If you already have auto insurance and are thinking about getting another vehicle or making a trade-in, your agent can review all your existing insurance policies. It is a good idea to see if there should be some adjustments made to them. To get an insurance review and a quote, contact your agent at CO Insurance Specialist in Wheat Ridge, CO.

Do I Need Commercial Insurance For My Home Business

Owning your own home business in Wheat Ridge, CO can be a dream come true. You are finally your own boss and you make decisions about your time and talent. But with freedom comes the potential to have things happen to your business that is now your responsibility. Since you are running your business from your home you may be wondering if it is covered by your home insurance or do you need commercial insurance for your home business?  At CO Insurance Specialist our team of expert agents will be happy to help you to understand how best to protect your home business. 

The type of commercial insurance that you may need for your home business depends on what type of business it is. Home insurance may give you limited coverage on your business equipment and inventory but there is a real possibility that the limits on your policy won’t be as high as you might need to be able to continue to do business after a covered event. Commercial property insurance can be tailored to your business so that you will be able to get right back into business as soon as your claim is approved. 

For some types of home businesses, it may be a good idea to have professional liability insurance and general liability coverage.  They offer you protection against being sued by customers pr clients. If someone comes to your home to get the service, they may be hurt while visiting. Advice that you gave to a client may be deemed to have caused them harm and they may seek a judgment against you. Liability insurance is great protection for you personally and your home business.

These are just some of the types of commercial insurance that are offered. Visit CO Insurance Specialist in Wheat Ridge, CO or a call our office and we will help you to make sure that your home business is protected.  

What your classic car usage means for your insurance coverage

Classic car enthusiasts in the greater Wheat Ridge, CO area can rely on the team at CO Insurance Specialist for all of their classic car insurance needs. Of course, insuring a classic car is a different situation than obtaining a policy for a typical vehicle, and it’s important to know about the available options. Don’t miss out on finding the right policy for your needs, call us today!

How do you use your classic car? It can make a difference in choosing the right insurance policy

There are certain situations when it comes to classic cars that can affect your insurance coverage. For instance, if you keep your car stored in a temperature-controlled storage unit and only drive it to car shows, your insurance needs might be different from those of someone who keeps their classic car at home and drives it on a fairly regular basis. These are just two examples of the many considerations that go into protecting your classic car with the right policy. Owning a classic car is more than owning a vehicle. These cars are often major investments and therefore require a different type of insurance. Don’t wait to find out that your current policy is inadequate or that you are underinsured. Take the time now to prevent a future catastrophe! Working with an agency that understands the nuances of classic car insurance will help you find the policy that best meets your needs. 

If you want to learn more about the many insurance policies available to classic car owners in the greater Wheat Ridge, CO area we’re here for you. Call or stop by CO Insurance Specialist today and learn more about how we can help you find the right classic car insurance policy for your needs. 

What you need to know about home insurance policy

What is a home insurance policy?

It is a policy that offers coverage for damage to your home, either caused by lightning, hail storms, or fire. The cover provides financial protection for home and belongings. It covers repair or replacement of the house or belongings damaged as a result of specified perils. Liability coverage is also provided for accidents in the home or property. Damage to other people’s property or injuries attained by visitors while within your property are covered by this policy.

Wheat Ridge, CO regularly experiences severe winds and hail storms in summer and blizzards in the winter. Your home must be covered to prevent financial losses from natural disasters. Our dedicated CO Insurance Specialist agents are well familiar with the risks of being a homeowner in this region. There are exemptions to what is covered in a home insurance policy with Earthquakes and floods not being covered.

We know that your home is a valued asset, and CO Insurance Specialist agents will walk with you in identifying the best policy for your home.

The basics of a home insurance policy.

With the risk of property damage very high in Wheat Ridge, CO, here are the basics of what your home insurance cover should entail

  • Coverage of your personal belongings- Furniture, clothes, and personal belongings are covered if damaged by the agreed perils.
  • Coverage for the structure of your home- A standard home policy will pay for repairs or cost rebuilding damaged property from wind, hail storms, or fires.

Coverage for liability protection- You are covered against lawsuits as a result of bodily damage or property damage caused by you or your family member. Limits of coverage vary, and it would be essential to discuss this with CO Insurance Specialist agents

For further information, kindly visit our website or give us a call.



Do I need more than just liability coverage?

As a driver in Colorado, you have a lot to enjoy. The gorgeous scenery can be very distracting as well as enchanting. Colorado does have laws about the amount of auto insurance that you are required to carry.  At CO Insurance Specialist in Wheat Ridge, CO we are proud to be able to offer not only information but an extensive choice of coverage from the best carriers in the business.

In Colorado, drivers must carry liability insurance to guarantee that if they have an accident where they are at fault, the other person will be covered. The minimum required is $25,000 for injury or death to a single person and $50,000 if more than one person is involved. The coverage of the vehicle or property must be $15,000. This certainly protects the other driver and their interests in the event of an accident but what about you and your vehicle? 

For vehicles that have a loan or are leased, collision and comprehensive insurance will be required. But even if you don’t have a lease or a loan, comprehensive and collision offer valuable protection. Most people need their vehicle to go about the everyday business of life, driving to work, errands, school, grocery shopping and so much more. In the event of an accident where you are at fault or an event that damages your vehicle, these two coverages will make sure that your vehicle is repaired or replaced so that life can go on as usual.

If you are looking to purchase your first auto insurance or if you would like to have us take a look at the coverage you do have, at CO Insurance Specialist in Wheat Ridge, CO we would be happy to take the time to recommend a policy to fit your needs. Stop by our office or give us a call for a no-obligation quote.


3 Things to Know About Classic Car Insurance

Classic car insurance in Wheat Ridge, CO is a chance for you to get the coverage you need for something you cherish. These cars aren’t just a mode of transportation for their owners, they’re a link to history and heritage. If you’re looking for the best possible protection, CO Insurance Specialist wants you to know how classic can insurance can work for you. 

It’s Made for You 

Classic car insurance may offer policies that take into account much more than the value of the car. This means that if you’ve spent a lot of time and effort restoring the vehicle, you can negotiate the value of the car prior to taking out the policy. If it’s destroyed, you’ll be paid for the previously agreed-upon value rather than the actual cash value. 

It’s Reasonable

Classic car insurance is made for people who typically keep their cars in the garage. Because they’re so rarely driven, the policy is typically less than that of a standard car. Those with classic cars typically do everything they can to protect them, and the insurance company professionals know it. 

It Helps to Be Prepared 

Taking out classic car insurance in Wheat Ridge, CO is a great way to keep it safe from water damage, accidents, fires: the list goes on and on. If you have questions about the type of policy that’s right for you, CO Insurance Specialist is here to help. Policies may differ based on the age, type, and condition of the car. Whether it’s undergoing restoration or always kept in an enclosed building, we can help you find the right coverage for you. Give us a call today if you’re looking for insurance that will keep your class car in perfect condition. 

Homeowners Insurance and Liability

While most people have a homeowner’s insurance policy, they typically only think of insurance when the home is damaged in some way by a storm. However, homeowners insurance also provides liability protection. Here are some facts about homeowner’s liability insurance in Wheat Ridge, CO from CO Insurance Specialist.


Suppose someone comes to your home, slips on a sidewalk, and falls, breaking a bone. What happens if your dog bites a delivery person who later needs stitches? Your homeowners’ policy will likely pay for the reasonable medical bills that your visitors incur as a result of these accidents.  Even some unusual occurrences may be covered. For instance, if you serve dinner to guests and they become terribly ill from food poisoning, requiring hospitalization, your homeowner’s insurance may cover their medical bills. 

Dog Bites

Dog bites may be covered or they may be excluded. Certain breeds of dogs may be excluded from coverage with some policies. Also, if your dog has previously bitten someone, your insurance company may notify you that they will not cover liability related to a dog bite. If you own a dog, you should ask your agent about your dog bite coverage before you are faced with this kind of situation.

Personal Liability

If a member of your family does something foolish, injuring someone else or causing damage to someone else’s property, you may be protected from a lawsuit by some homeowner’s policies. For instance, if your child gets into a fight at school and hurts someone else, your liability insurance may protect you from a lawsuit.

Property Damage

Suppose your child hits a baseball through a neighbor’s window, breaking it. It’s possible that your homeowner’s policy may pay for the costs of repairing the damage to your neighbor’s home. If your tree falls on a neighbor’s car, your insurance may cover the repairs. 

There are limits to liability coverage, so you can see your agent and find out more information on liability insurance. To ask questions about homeowner’s insurance in the Wheat Ridge, CO area, contact CO Insurance Specialist.

Hitting the Road for the Holidays? Update Your Auto Insurance

Like thousands of people across the country, you may be hitting the road to visit family or friends for the holidays. Before you go, make sure you have the protection you need by updating your auto insurance. You don’t want to be caught unprepared in the event of an accident. The following coverage from CO Insurance Specialist in Wheat Ridge, CO can protect you, your vehicle and others in the event of an accident. 


Liability insurance protects the interests of others in accidents you cause. Like most states, Colorado has minimum liability insurance requirements. Minimum coverage, however, won’t be enough to protect you against serious accidents on the road. Holliday traveling increases your risk of an accident due to adverse winter weather and a greater amount of traffic on the road. Ideally, your liability coverage should be sufficient to protect your assets if you were sued for damages due to causing an accident.


Collision insurance covers the cost of repairing your vehicle if you crash into another car or object. Many drivers choose not to purchase this optional coverage as it raises premium costs. If you don’t have this coverage, you may want to add it to your policy to protect you against collisions on icy roads during your long-distance holiday travels.  


Comprehensive insurance is also optional. It protects your vehicle against theft, vandalism, and damage caused by adverse weather. If your vehicle is damaged by winter weather during your trip or stolen at a rest stop, you’ll be glad you had this extra protection to get you through the holidays. Uninsured/underinsured motorist and roadside assist can also come in handy when traveling far from home for the holidays. 

To learn more about car insurance coverage and costs, call or visit CO Insurance Specialist in Wheat Ridge, CO.

The Differences Between Condo Insurance and Home Insurance

Homeowners who are buying their first condo may wonder if the insurance requirements are different when compared to insuring a home. The answer is that they are. Condominiums are different from homes because they may share walls, ceilings, and floors with other condos. They also share the common areas. The insurance risks are shared too.

Master Insurance Policy

When considering condo insurance consult with an agent at CO Insurance Specialist serving Wheat Ridge, CO, and the surrounding area. Be sure to request a copy of any master insurance policy that covers the condominium building and property, so you can share this policy with your insurance agent.

The building owner should be able to provide a copy of this master insurance policy or if there is a management company or a condominium owners’ association (COA), ask them for a copy.

Individual Condo Policy

For adequate coverage, your individual condo insurance policy picks up where the master insurance policy stops. Many types of damage may be covered in part by the master policy, perhaps in part by another condo owner, and perhaps in part by your condo insurance.

A slip and fall accident illustrates one difference between home insurance and condo insurance. For a homeowner, if someone falls anywhere on their property there may be a claim made be made against their home insurance. 

For a condominium owner, if someone falls in the common areas of the condominium property the master insurance policy for the condominium building is the one that may see the claim. If someone falls inside the condo then the individual condo policy may be responsible for the claim.


To make sure you have adequate condo insurance get an insurance review with the help of your agent at CO Insurance Specialist in Wheat Ridge, CO. Talk about the details and have your agent look for gaps where coverage may be missing.  Be sure to discuss the benefits of having replacement cost coverage and sufficient protection for personal property in your condominium.