Making sure your home is prepared for an emergency

The world is full of hazards. You never know when one will strike. Making sure your home is prepared for an emergency is one of the best things you can do. It should involve not just your home but your entire family and even the children need to know the details. Not every location is susceptible to every hazard but knowing the ones that can affect you can help you to pinpoint your response. Having a good home insurance policy is one way to be prepared. In Denver, CO, AFI Insurance has an experienced team who looks forward to earning your trust and your business. 

Have a plan

You should have an emergency plan in place and make sure all members of the family know the plan. It can be where to go in the event of a tornado or finding out where the nearest hurricane shelter is. 

Have food and water

Have an adequate supply of bottled water and non-perishable food. You need to make sure the food is in a container that doesn’t require electricity to open and can be eaten cold in the event you don’t have a way to warm them. The alternative is to have a portable propane stove to cook them. 

Flashlights and batteries

Nothing is worse than being stuck in the dark during an emergency. Large battery-operated LED lights provide a great deal of light and you will be able to avoid lighting candles or hitting in the dark. 

Power supply

Having a generator or another alternate power supply can make all the difference and can keep the food in your fridge and freezer safe when the electricity has gone out and kept your cell phone charged. 

Store important documents safely

Know where they are and have them in a fire and waterproof box or envelope. 

Contact AFI Insurance in Denver, CO for help with your home insurance needs. 

Do I need auto insurance in Denver?

The Denver, CO area is a popular place for people to live. This is a large city that also has access to the Rocky Mountains and all of the activities that come along with them. To enjoy the city and mountains as much as possible, you should get your own car. Along with the purchase of a vehicle here, you will also need to get an auto insurance plan. There are many reasons why you need to get an auto insurance policy when you are here. 

Insurance Protects Car

A key reason that you need to get auto insurance is that it can protect your car. Those that buy a car in Colorado will be making a big investment that needs to be protected. With a full collision and comprehensive plan, you will have the auto insurance coverage necessary to repair or replace your vehicle. This coverage will also be required if you have taken out an auto loan.

Insurance is Required by State

You will also need to get an auto insurance plan to drive your car in Colorado. Similar to rules that are set in other states, all drivers in Colorado are required by law to carry liability auto insurance. When you have this coverage, you will have the financial resources necessary to pay for any damages that you caused during an accident.

Those that would like to get an auto insurance plan in the Denver, CO area should call AFI Insurance. Picking auto insurance is never easy and AFI Insurance can help you get into a plan that is right for your situation. The team is able to do this because they spend time assessing your situation to figure out what your specific needs are when it comes to coverage. 

How Financial Planning Insurance Can Help You in Denver, CO

If you live in the city of Denver, CO and are interested in financial planning insurance, you should consider what AFI Insurance has to offer.

Financial planning can be very important. Basically, it is the process of managing your finances properly, so that you can meet your life goals. Life insurance can be very important in a strong financial plan that you can make for yourself. Life insurance becomes more important as you grow older since you will want to be able to take care of your family in the event of your passing.

There are few common areas in which life insurance can be very important in financial planning. Paying off a mortgage is one of them. For the majority of people, this is one of their biggest expenses. You want to make sure that your family is able to afford this once you are gone. Another part of your financial planning is a lump sum of cash that should be used for final expenses. Your family should be able to pay for your funeral, rather than having to dip into emergency savings that may not even be there. Funding for college is also very important if you want to be able to provide for your child’s education whether you are around or not. If you are caring for aging parents or special needs children, this is another major reason why financial planning is important in relation to life insurance. These are just a few of the things that you need to consider during the financial planning process.

If you are interested in learning more about financial planning insurance in Denver, CO, you should feel free to contact the professionals at AFI Insurance. These individuals will be able to answer questions that you may have about this type of insurance and give you advice in terms of the policy that you should be choosing for yourself.

Specialty Insurance Can Protect Unique Situations

If you have a unique situation or item in your life, but you need to make sure you have adequate protection for it, specialty insurance may be just what you’re looking for. This insurance is designed to cover things that most standard policies don’t include, and it can make a big difference in your peace of mind. If you’re in the Denver, CO area and think you might need this type of insurance coverage, AFI Insurance can help. We have a lot of options for you to consider, and our agents are ready to help you find the kind of policy you need to cover your specialty situation or unique item properly.

Some examples of the situations this type of insurance can cover are educational liabilities, public entities, power sports vehicles, race cars, and more. By thinking outside the box, you can discover whether you have anything in your life that might need this type of coverage. While it’s not for everyone, you might be surprised at how many people can use this kind of coverage for something in their life. Even a house with an older roof, that won’t allow for a standard homeowner’s policy, could be eligible for specialty coverage under certain circumstances.

If you’re in the Denver, CO area and think specialty insurance might be right for you, or if you have questions about this type of coverage, reach out to us at AFI Insurance today. We can help you get the information you’re looking for and get all your questions answered. We can also work with you on specific policies so you can find the one that fits your situation. That way you’ll have coverage and peace of mind for all the things that matter most in your life, even if they’re unique or different.

Who should get life insurance?

When you live in the Denver, CO area, it is important that you spend time thinking about your personal insurance needs. A form of insurance that many people should consider getting is life insurance. This is an important form of insurance protection that can ensure that your dependents have the financial resources that they need. There are a few situations when someone should get life insurance. 

Life Insurance Gives Protection to Dependents

A key reason that people here need to get life insurance is that it gives protection to their dependents. When you have people that rely on you, it is important that you ensure their future is protected. One great way to do this is by getting life insurance. When you get a proper life insurance plan, it will give the financial protection that they need to continue to live the same lifestyle. 

Those that Want to Invest

You should also consider getting a life insurance plan if you would like to invest in your future. Those who choose to get a whole life policy will see some of their monthly premium payments accumulate in an account that they can liquidate in the future. This also grows with interest and is considered a conservative addition to someone’s investment portfolio.

When you are in the Denver, CO area there are many important forms of coverage to get, but life insurance may be the most important of all. When you are assessing your life insurance needs and options, calling AFI Insurance would be a good option. The team with AFI Insurance understands the unique complexities that come with picking insurance plans in this area. They can help you better assess your life insurance needs and options so you can choose a plan that is ideal for your situation. 

Required Commercial Insurance for Colorado

If you have a business in Colorado, there are certain types of insurance that are mandatory for you to have. These mandatory coverage types help to protect your business financially as well as protecting others. There are other types of commercial insurance that also may be needed by your business, though those are simply recommended and not required. If your business needs coverage, call us at AFI Insurance in Denver, CO to discuss your commercial insurance needs. 

Workers’ Compensation

Workers’ compensation insurance, often called workers’ comp, is coverage that pays for the injuries and illnesses of employees who become sick or injured while they’re at work. This insurance is required for every company that has any number of employees. If someone does work for a business, the state presumes that they are an employee, even if the arrangement has not been made legal. 

Commercial Auto Coverage

Every vehicle in Colorado that is owned by a business must be covered by a commercial auto policy. In Colorado, there is a specific, set minimum amount that you must be covered for when it comes to bodily injury liability for a single person injured in an accident as well as another amount required for everyone injured in the accident as a whole. There is also a small amount required for property damage liability coverage. If you have a vehicle that is used to do work for the business but is not owned by it, there is a different policy type that is recommended. There is a policy type called hire and non-owned insurance that should be used to cover these vehicles. 

Get Your Commercial Insurance

If you need commercial insurance, call us at AFI Insurance in Denver, CO to talk to an agent about the commercial coverage you need. 

Three things to remember when purchasing home insurance

The best thing you can do to protect the investment you make in your home is to purchase quality home insurance coverage. We can help with that at AFI Insurance. We insure the homes of consumers in Denver, CO.

The following are three things you should remember when you purchase home insurance.

Home insurance coverage generally won’t include flood insurance.

Every homeowner needs to realize that a standard home insurance policy doesn’t generally cover flood damage. You need to invest in flood insurance separately.

You should be aware of the flood risk of your area as well as any possible FEMA flood insurance subsidies when you purchase flood insurance for your home. 

You need to make sure outbuildings are covered.

Another detail of your flood insurance policy you definitely want to look into is outbuilding coverage.

You can’t automatically assume that outbuildings like detached garages or barns will be covered under a standard policy. You need to read the fine print. You might have to invest in added coverage to get your outbuildings covered. 

You may benefit from investing in home improvements. 

Before you select a home insurance policy, it might be worth your while to look into the benefits of doing some home improvements. Home insurance providers might give you a better deal if you make some improvements to your home that enhance safety and security. 

Home improvements can do more than just get you a better deal on home insurance. They can also mean you’ll be more safe and secure in your home. Moreover, improvements can also bring up the resale value of your home. 

Would you like to learn more about purchasing home insurance in Denver, CO? Let us come to your assistance. Contact us at AFI Insurance with your inquiries and questions when it comes to your home insurance choices. 

Do all Denver car owners need auto insurance?

When you are living in the Denver, CO area, you are going to want to be able to get around the metro area as efficiently as you can. A great way to make your transportation process easier is by owning a car. If you do want to own a car here, it is important that you get the right insurance for it. There are several reasons that the typical car owner here needs to have insurance for their vehicle.

Insurance is a State Law

It is very important to get auto insurance in Colorado because it is a state law. Anyone that is here and owns a car has to abide by state laws regarding liability coverage. If you are going to drive on a public road, you will be required to have liability auto insurance in place at all times. This will ensure that you could pay for any damages that you may cause during an accident.

Insurance is Required by Lenders

Buying a car is a major investment that often requires taking out a loan. If this is the case for you, the lender will have certain auto insurance requirements that normally will include having a policy with full coverage. This requirement is designed to ensure that the lender’s collateral is protected until the loan is repaid. 

Car owners that are in the Denver, CO area have to ensure that they maintain proper insurance at all times. If you are looking for ways to cover your vehicle, it would be a good idea to call AFI Insurance. Anyone that works with AFI Insurance will find that their friendly and knowledgeable service is geared to helping people pick quality insurance policies. This can ensure that anyone remains properly covered and protected at all times. 

An Overview Of What Specialty Insurance Entails

AFI Insurance assists Denver, CO residents by helping them find insurance coverage. We strive to help our clients find policies to protect their most important assets. We take pride in providing excellent customer service to our clients and treating them like family.

Specialty Insurance

If you enjoy a lot of hobbies in your spare time, specialty insurance is an asset. Specialty insurance protects your assets from the normal risks that you encounter when you operate them. If you enjoy traveling around Colorado in your RV, you can add specialty coverage to protect you. The policy covers your RV if you are involved in a collision or if your RV is stolen. You are also protected if your RV suffers engine trouble and you need emergency assistance.

If you enjoy traveling in your boat during the summer, the insurance coverage will protect you. The policy covers your boat if you are involved in a collision or if your boat is vandalized. Also, liability coverage protects you during times when you host family and friends and an accident occurs. You also have the option to amend your policy to cover you if your boat capsizes.

During the winter in Denver, CO, many people enjoy riding their snowmobiles and exploring the Rocky Mountains. While you are having a fun time in the snow, snowmobile coverage will protect you if you are involved in a collision or if your vehicle causes damage to another object. Snowmobile coverage is a valuable asset because the snowy weather is often unpredictable. The policy will cover many of the possible risks that are associated with operating the vehicle.

AFI Insurance Will Help You Protect Your Prized Possessions

Visit our website to learn more information about specialty insurance.  

Exploring The Benefits Of Financial Planning Insurance

AFI Insurance proudly serves the Denver, CO community by offering residents multiple types of insurance coverage. We strive to simplify the process of searching for insurance for our clients. Providing excellent customer service is one of our core values.

Exploring The Benefits Of Financial Planning Insurance

Setting goals and plans for the future can be difficult, especially in regards to your finances. Financial planning insurance can help alleviate some of the stress that you may feel as you look towards the future. The policy allows you to help get your affairs in order so that there will be a smooth transition once you pass away. You’ll have to figure out the type of life insurance policy that you want. Whole life policies will cover you throughout your lifetime, while term life policies will cover you for a specified period of time. Planning for the future helps ensure that your loved ones will have a foundation in place in an accident were to arise.

If you are a parent, financial planning insurance provides a guideline to help you take care of your children if something were to happen to you. If your child is suffering from a serious illness, financial planning insurance will help ensure that they receive the treatment that they need. If your child is preparing to go to college and looking at local Denver, CO schools, the policy can help cover your child’s tuition.

It’s important to start researching policies as soon as possible. Do not wait until you are only a few years away from retirement. You want to make sure that you have plenty of time to assess your options. Financial planning insurance is an asset regardless of your income level. The policy allows you to maximize the assets that you have.

AFI Insurance Will Help You Plan For The Future

Visit our website today to learn more information about financial planning insurance.