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Denver, CO 80212

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Colorado Insurance Blog

Four Ways to Protect Your Vehicles

If you have a vehicle of your own, then you understand how important it is to protect it. Your vehicle is your means of transportation and you want to do all you can to make sure it lasts as long as possible. The longer it lasts, the longer you can keep from having to go buy a new one. Here at AFI Insurance serving Denver, CO, we put together a bit of helpful information to help you understand how to protect your car. 

Get Auto Insurance

Everyone who owns or drives a vehicle needs auto insurance. You are sure to rest easier at night knowing you are protected with auto insurance because if something was to happen, your policy could kick in and provide awesome coverage. The level of coverage you have is, of course, going to be determined by the type of policy you have. You will need to speak with your agent to get a good understanding of your policy. 

Keep Them in a Garage

Instead of living your vehicles out on the streets or in a driveway, you should keep them in a garage if possible; this helps protect them against thieves.

Don’t Park Near Other Cars

When parking, try to park away from the other cars; this helps ensure you don’t get door banged or people don’t lean up against your car when walking by it and accidentally scratch it. 

Keep Them Locked at All Times

Lastly, you will want to keep your doors on your car locked at all times. Even if you don’t keep anything valuable in your car, you want to make sure no one gets in and vandalizes it. 

To learn more about protecting your car, contact AFI Insurance serving the Denver, CO area today.

Misconceptions about Home Insurance

Some homeowners believe when they have home insurance in Denver, CO, that they are covered no matter what happens. However, that’s not the case and there are a few common misconceptions about home insurance.

Flood Damage Is Covered

Home insurance won’t cover flood damage and you will need a separate policy in order to be covered in the event of a flood.

Medical Expenses Are Covered

The medical payments option in your home insurance is not designed to protect you or your family in the event of an injury, but instead is used to protect any guests that get injured on your property.

Making an Inventory List Is a Waste

The inventory lists actually serves as your proof of ownership, so when you need to file a claim you will be asked to list all the items that were lost. Don’t forget anything so that you can maximize your reimbursement.

Insurance Covers All Your Valuables

Expensive valuables, such as jewelry and furs, may not be covered. You should double check with your agent at AFI Insurance to see how much coverage you have, and then get an extra policy that covers the possessions you need protected.

Home Insurance Will Cover Mold

Many times home insurance will not cover mold or damages that are caused by poor maintenance. Insurance is not there to help you maintain your home and you alone are responsible for home maintenance.

You Are Required to Have Home Insurance

Many mortgage lenders will require you to have home insurance, but after you pay off your loan you aren’t required by law in Denver, CO to have home insurance. Home insurance is a good investment to have to protect your home, but you don’t need to have it.

Contact AFI Insurance to get a quote on home insurance.

 

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