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Colorado Insurance Blog

Importance of Having Auto Insurance in Englewood, CO

Residents of Englewood, CO will definitely want to have quality auto insurance coverage for several reasons. Car insurance is legally required by the state of Colorado, and this law exists for the protection of both the driver and the other people that you are sharing the roadways with. Here are the top three reasons why having auto coverage is so essential in this area.

It’s the Law

The law does require drivers to carry several different types of auto coverage, including:

  • Bodily Injury Liability: This provides protection for other drivers who are injured and require medical care due to your actions.
  • Property Damage Liability: This provides protection for vehicles belonging to other drivers if you caused the damage.
  • Uninsured/Underinsured Motorist Coverage: This coverage is almost always grouped with the above two types of coverage. Uninsured/Underinsured Motorist coverage pays your expenses if you’re involved in a wreck with a driver who carries no insurance or who has inadequate insurance.

The law does allow you to carry only Bodily Injury Liability and Property Damage Liability if you wish, however you have to sign a waiver formally stating you don’t want Uninsured/Underinsured Motorist Coverage if you wish to leave it off your policy.

It Protects You

While the state minimum auto coverage described above are primarily geared towards protecting other drivers, auto insurance coverage can also give you excellent protection. Comprehensive coverage (for theft, vandalism, and other damages not caused by driving) and Collision coverage (for damages that happen while you’re driving) are the coverage types focused entirely on protecting you and your vehicle. Your car is a major investment, and protecting it (and yourself) is something that is just a smart move financially.

Don’t get caught without the auto coverage you need. Our independent agents are happy to work with you to help you get the policy you want, and you can check out our free quote comparison tool online to get immediate policy quotes as well.

Homeowners Insurance Coverages Plans in Colorado

Homeowners insurance in the state of Colorado is basically divided into two categories. While some people choose to have only a minimal level of liability coverage for their homeowners coverage, most people elect to get a full coverage policy that includes both premises liability and coverage for the home itself. Keep reading to learn more about these two types of homeowners coverage plans in Colorado.

Liability coverage is a minimum insurance plan that will essentially extend protection to other people who come onto your property. This will include anyone who does not live within the home, for example your friends, your extended family, co-workers visiting your home, and even individuals who come to your home to make deliveries like mail persons.

If anyone happens to get injured, or even killed, while they are on your property or within your home due to your own fault, you are considered legally responsible for their injuries as the homeowner. Your liability coverage will pay for the treatment of injuries that happen to other people while on your property.

With home coverage, you get insurance coverage for your house as well as all of your possessions within it. This type of coverage can compensate you for situations like theft, natural disasters such as floods, and vandalism. Whether your home is burglarized and missing a few important items or whether it was burned to the ground, your home coverage will be what gives you the financial means to recover. You can choose the amount of coverage that you need based upon your current home value and the worth of your personal possessions. If you don’t feel sure about the right amount of coverage, our agents can help you create a policy perfect for your situation.

Don’t allow yourself to be unprotected. Homeowners coverage is something that you need, for your protection and for everyone else’s as well. You can get free online quotes from multiple major providers using our quote comparison tool today!



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