What is an Umbrella Policy? – Aurora CO

Hi, we’ve been getting a lot of calls about umbrella policies. What is an umbrella policy, and what does it cover? Well, it’s designed to extend the liability limits of the underlying policy.
For example, on the auto, let’s say you carry $300,000 for bodily injury to others. A $1 million umbrella would provide you a total of $1.3 million, for example, in the event that you injure somebody. It kicks in after the policy limits are exceeded.
An example on the home, your family driveragent plus register key liability protection is what covers you. So let’s say your dog gets loose and bites somebody or bites the neighbor dog and you’re sued. That would be covered under your family liability protection, and an umbrella policy would kick in if those limits are exceeded.
You’re burning leaves and the embers blow and catch the neighbor’s house on fire. Again, family liability protection on the home would kick in. If you have an umbrella, you would have another $1 million, for example, on top of that to pay for any lawsuits. electrax vst free download crack
Defamation is also covered. If you leave a negative review and somebody doesn’t like your review and they sue you, if you’re on Facebook and you say the wrong thing about somebody and they end up suing you, that would also be covered as well.
An umbrella policy is really there to protect your assets in the event that you’re sued. If your assets exceed the limits that are built into your auto or your home policy, you really need to talk to your agent about an umbrella policy. indiafont v3 crack An umbrella policy starts around $1 million dollars and adobe photoshop cs5 extended serial number crack  can go up to $10 million, and they’re relatively inexpensive. So please talk to your agent and see if an umbrella is right for you. Thanks. security monitor pro 5.46 crack

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Full Coverage? – Aurora CO

Hi, everybody. I wanted to do a quick video. We’re getting a lot of phone calls and questions every day. And people don’t seem to understand the coverages that they have. And we want to make sure that you not only understand your coverage, but you know where every dollar’s going. So we talk to people and they say, “I have full coverage.” Do you?
Generally, what they’re referring to in that case is comprehensive and collision, the combination of those two. So with the collision portion of your insurance, you’re driving along and you hit something, whatever you hit is always going to be paid for under your visual studio 2017 crack yapma property damage coverage. But if you have collision coverage, we’ll fix your vehicle as well. So for older vehicles, it may make sense to drop the collision and you can add what’s called UMPD, uninsured motorist property damage. So if your car doesn’t carry collision, but it’s involved in either a hit and run or you’re hit by an uninsured motorist, Allstate would pay to fix your vehicle or they would write you a check and total it out. So you can still have some coverage without the collision piece. iobit malware fighter 6.3 key
The comprehensive is what we’re seeing more claims on today. And I want to cover the comprehensive piece. So that’s theft, vandalism, hail damage, broken glass, or broken windshield, hit a deer, hit an animal, hit an object in the road that you can’t avoid. Those are all things that are outside of your control. They’re not your fault. They don’t count against you. And in most cases, people want to keep a lower deductible for comprehensive coverage. And I think, in Denver, in this market, thefts are at 1,000% right now, auto thefts, and catalytic converters are being stolen like they’re in Walgreens in California. So we need to keep the deductible and talk to your agent as low as you can afford so that you’re not out-of-pocket $500 or $1,000 if your catalytic converter gets stolen. electra2 vst crack
So talk to your agent. These are all great questions, but I want to make Havij sure everybody understands what coverage they have and where their money is going. Have a great day.

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Homeowners Tips for Total Loss – Aurora CO

Hi. Today, instead of answering a question that we received through email, I want to take a few moments and talk about the Marshall Fire that recently came through, and the devastation that we’ve seen. Over a a thousand homes were a total loss. And I did have clients that were impacted.
And so I wanted to reach out to the homeowners, and give you a few points of advice, some things to go over with your agent. Number one, make sure that your dwelling is sufficient. You have sufficient dwelling coverage to rebuild your home. Reconstruction costs can vary widely from county to county, from city to city. And you actually serial number proshow producer 7 want to break it down on a price per square foot. So you want to know what reconstruction costs are per square foot, and then make sure your policy matches accordingly.
The next thing, your contents, so what do you have in your home? Well, take video, take pictures, walk around your home and take video of each room and document those things. If you’re an Allstate customer, you have access to a feature within your account called a digital locker. And you can upload the video and pictures for storage on the cloud.
So that’s one way of knowing, because if everything is gone, how are you going to recall what was in the home? And that’s what we call unscheduled personal property.
The last piece that I want to cover is scheduled personal property. So if you have valuables, or items, expensive jewelry, furs, watches, things that would go over the built in limits of your policy. A trading card collection, for example, may only be covered up to a thousand dollars. If that secureline vpn license file 2016 collection is worth $4,000, you should schedule that with your agent on your policy individually so it has its own coverage and its own deductible.
And that way, should anything happen, that those items would be covered in their entirety. So those are just a few things that I think all homeowners should look out for. And thank you for your time.

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Will Homeowners Insurance Cover Water Heater? – Aurora CO

Hi, this is Patrick and we’re going to answer another question that we received from a customer through email. They asked, “Will homeowners insurance cover my water heater?” The answer is no. So the water heater is the responsibility of the homeowner and as they get older, they will fail. When the water heater fails, if water goes all over the floor in the basement, any damage caused by the failure of the water heater would be covered. That’s sudden and unexpected, very similar to a pipe bursting, so any damage caused by the flooding of the water heater would be covered under the water damage. That is not the same as water backup. So this would be water damage. We would cover anything that is destroyed by the water from the water heater, but we would not replace the water heater. That is the responsibility of the homeowner. Great question. Happens very frequently. Thank you.

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Business Insurance Coverages – Cases #5 and #6 – Aurora CO

The final segment in our video series about what insurance a small business actually needs.

Bad Luck Case #5
We review the need for Employment Practices Liability Insurance.

Bad Luck Case #6

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A Key Man Life Insurance Policy would have been very helpful, giving the business valuable time to recover from the loss.

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Business Insurance Coverages – Cases #3 and #4 – Aurora CO

As we continue our series of business insurance examples…

See how Bad Luck Case #3 might have been improved with a Property Insurance Policy that included Debris Removal Coverage, along with Business Income Insurance.

Bad Luck Case #4 reveals a very real need for Cyber Liability Insurance with Data Ransom Coverage

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What Auto Insurance Do I Need? – Aurora CO

 

Hi, this is Patrick from the Conaway Insurance Agency. Today, we’re going to answer another question from one of our customers, “What auto insurance do I need?”
I’d like to take this opportunity to address uninsured/underinsured motorist protection, because I think that that’s probably one of the areas of your auto insurance that’s misunderstood the most, and when we look at uninsured/underinsured motorists for bodily injury, first of all, that’s not state-mandated, so it’s not mandatory coverage. You’re not required to carry it. You’re required to carry bodily injury and that’s to protect you in the event that you cause an accident and injure someone else, so that’s bodily injury to others. That protects the other person. The uninsured/underinsured motorist protection also has nothing to do with your car, so in the majority of accidents, your car is the only thing that’s injured, not you, and if your car is hurt, if you carry collision coverage, Allstate will fix your vehicle. You’ll pay the deductible, and we’ll get you back on the road.
In order to collect from the uninsured/underinsured motorist for bodily injury, you actually have to be injured in an accident from another driver and they either don’t have enough insurance to pay for your injuries, at which point Allstate would kick in and start paying, or they don’t have any coverage at all and they’re driving without insurance and we’re seeing an increase, especially in the state of Colorado.
So hopefully that clears up the uninsured/underinsured motorist for bodily injury. Again, it’s not mandatory coverage, it’s not state-mandated, but for those that don’t have health insurance, et cetera, it is good coverage to have and we are seeing an increase in motorists that don’t carry insurance, so talk to your agent and see what level of coverage and if that coverage is for you. Thank you.

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Can Auto Insurance Deny A Claim? – Aurora CO

Hi, it’s Patrick from Conaway Insurance Agency. We’re going to answer another question today from one of our customers. Can auto insurance deny coverage? Yes. I’ll talk about the three main reasons that we see coverage or claims being denied, especially at Allstate and here in our agency.
Number one is kids. So kids are painfully expensive to insure, and a lot of times parents don’t want to add them to the policy. They’re off at college, what have you. But if you’re financially responsible for that child, they technically still reside in your household for at least 90 days. They need to be listed on the policy and that gives them the ability to drive all of the vehicles, and it eliminates the chance that Allstate or your insurance company would deny a claim because they’re listed on the policy. So it’s the right thing to do.
The second thing is business use. Oftentimes we see somebody has a van insured and it’s 100% or primarily used for business and they have it listed on their personal policy. So if there’s an accident, claim shows up and inspects the vehicle and they see Kristen’s Flooring, LLC on the side of the van. Obviously that van is purposed for business and a claim can be denied because you have it listed on your personal policy.
The last one I would say, and this is growing in popularity over the past five to six years, is Uber, Lyft, Grubhub. So if you’re driving your vehicle for any of those reasons and you don’t have what’s called a ride for hire endorsement, you need to speak with your agent and inquire about adding that to your policy so that you’re covered in the event that you’re picking up a passenger or on your way to pick up food for Grubhub, et cetera. So talk to your agent. They’ll explain that more in detail, but with Allstate, it’s called a ride for hire endorsement. If you add that, it’ll make sure that you don’t have a claim denied. Thanks for the question. Great questions.

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Business Insurance Coverages – Cases #1 and #2 – Aurora CO

What insurance does a small business actually need?
Much of a business’s success depends on how well it can overcome obstacles.

Conaway Insurance Agency is here to help guide you through the perils that you likely don’t anticipate.

Bad Luck Case #1
In this example, the hefty legal and judgment costs would have been covered by Hired and Non-Owned Auto Liability Insurance, up to purchased policy limits.

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Bad Luck Case #2
ACME had Worker’s Compensation Insurance that covered Julie’s expenses, but not Colleen’s. The state identified that ACME had misclassified Colleen, which led to hefty penalties and judgments for medical costs and damages.

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