Category: Home Insurance

Your home insurance policy from Laine Insurance protects your Colorado home in various ways. The general home insurance policy covers the structure and its contents under distinct policy types. It encompasses perils coverage, which covers damage from occurrences like fire, tornado, and wind. Also, these policies include liability coverage. Let’s analyze each of these coverage types separately.

Perils Coverage

All home policies include perils coverage. You select the degree of perils coverage you want, starting with a policy that covers the ten most common perils and ranging up to one that covers all perils. When you purchase all perils coverage, it doesn’t list each peril in the policy because it covers every conceivable peril, no matter how unique or unusual. Perils coverage applies to your home’s structure and its contents.

Liability Coverage

Liability coverage applies to the entire home, yard, and everything therein. If someone sustains injuries while visiting your home and jumping on a trampoline, the liability segment of your coverage provides you financial protection by paying for the injured person’s medical costs and any settlement resulting from the injury.

Other Structures Coverage

Some home insurance policies include coverage for other structures, including structural and contents coverage for sheds, detached garages, workshops, etc. If your garden shed gets damaged by high winds and it also harms your lawnmower, this coverage settles for repairing or replacing the shed and the mower.

Let Us Help You Design Your Home Policy

You aren’t a cookie, so don’t select cookie-cutter home coverage. Let Laine Insurance assist you in designing a home insurance policy that fully covers your Colorado home and the possessions you store inside it.

Nothing can be more frustrating and upsetting than having your Colorado home incur some type of damage, and then you file a claim through your homeowners’ insurance policy, only to have it denied. Unfortunately, not every homeowners’ insurance claim is going to be approved, but having yours denied can be like a blow. So, just what do you do if you’ve filed a legitimate claim, and it was denied? 

Read the Explanation for the Denial

Your insurance company is likely to either contact you by email or by regular mail with the denial letter. This letter will contain a thorough explanation as to why your claim was denied, as well as what you can do about it. 

Contact Your Agent

If you want further clarification as to why your claim was denied, your agent can provide that for you. The agent can also explain what steps you need to take to possibly get your claim approved. 

File an Appeal

Each time your insurance company makes a decision, it is always your right to file an appeal if you don’t agree with their decision. By filing an appeal, you’re forcing your insurance company to revisit your claim and reconsider it. It’s a good idea to submit supporting documents, if possible, such as police reports, photos, etc.

Reach Out To Us

Instead of becoming upset because your homeowners’ insurance claim was rejected, you should take action. Whether you decide to appeal or request mediation, chances are you’ll eventually get the results you’re looking for. If you live in Colorado and you’d like to find a new insurer, give us a call at Laine Insurance. At Laine Insurance, we go above and beyond to ensure our customers are happy, and we make the claim process easy. Contact us today for a quote, and one of our licensed agents will be happy to assist you. 

The state of Colorado has been one of the quickest-growing in the country as many people come here to enjoy the expanding job markets, nice weather, and range of outdoor activities. Those that are looking to live here should consider purchasing a home. If you are in the market for a property in this state, getting insurance for it needs to be a top priority.

Having a home insurance plan is an important investment for many reasons:

Ensures Assets are Covered

A reason all people need to have a home insurance plan in this state is to ensure their assets are covered. If you intend to purchase a home, you will be making a very significant investment and the best way to ensure it is supported is with insurance. If you have coverage, you will have support to offset costs associated with fire damage, bad weather, theft, and other perils. 

Comply with Obligations

You should also have a home plan to ensure you’re able to comply with your obligations. Anyone that buys a home will have some home insurance needs. If you are in a home association or have financed the purchase with a loan, you will be obligated to carry insurance. Having this coverage will keep you in good standing with your various agreements. 

Give Us A Call

When you are going to buy a home in Colorado, you need to make sure you are properly insured. One of the best ways this can be done is by calling our team with Laine Insurance. There are always going to be big decisions to make when looking for this coverage and our professionals at Laine Insurance will help you create your next plan. This will provide assurances that you remain fully insured and protected at all times.