Things You Should Always Keep in Your Trunk in Denver

No matter how little or how much you drive in Denver, CO, you can never really anticipate when an emergency will occur, especially during the winter months. For that reason, it is a good idea to have a few necessary items stored away in your trunk – just in case.  

Jumper Cables

A dead battery late at night, in the middle of nowhere, or even in your driveway is cause for concern.  Never be left stranded again by keeping jumper cables in your trunk.  This way, you can always help someone else in an emergency, too.

First Aid Kit

For minor cuts and scrapes, a first aid kit should be readily available in the trunk of your car.  If there is an injury, you need to attend to before the paramedics arrive, a first aid kit just might save someone’s life, including yours.  

Kitty Litter

Stuck in the snow in Denver, CO? Grab some kitty litter from the trunk and throw it on the ground to gain some traction. It works just as good as sand but has a bonus – it also keeps your trunk smelling fresh!

A Spare Tire

Getting a flat tire happens and you never expect it.  Even if your tire is brand new, you could still run over a nail and before long, you tire is flat or even blown out. Be prepared with a jack and a spare so you can change your tire yourself or call roadside assistance to help you.  Along with the spare tire, keep a florescent vest handy in case you have to change the tire at night. This way other motorists can easily spot you on the side of the road.  

Thinking ahead and putting these and other safety items in your trunk will keep you safe in the event there is an emergency.  At AFI Insurance, we work with clients to find the best auto insurance policy for their vehicle – many of which offer roadside assistance. To speak with a reputable insurance agent at AFI Insurance, contact us at 866-433-2888.   

 

Home Insurance Brings Relief

Whether it’s a snowstorm or an accident that happens on your property, there are times when you can feel like you have relief in the midst of a crisis. This is when you’ve met with your insurance agent and they tell you that everything is going to be OK. At AFI Insurance our agents can do some amazing work for you by finding the best insurance for your property with the coverage you need. Let us bring you that peace of mind even when nothing is going wrong.

Proudly serving the Denver, CO area, AFI Insurance offers information to help you become the kind of home owner you envision yourself becoming. If it’s as important as making your property more safe and secure, we can guide some of your decisions concerning safety features that work dependably. We know a great deal about accident prevention, and we are always happy to educate our customers. Visit us and discuss your coverage and other concerns.

Perhaps you have taken on a home improvement project to turn a spare room into a game room. With an investment like that, you want to be assured of sufficient home insurance coverage to protect your efforts. Working with our agents, you can find the best insurance rates available in the Denver, CO region for the coverage you need on your latest floor plan.

Home ownership can be fun when you have the opportunity to plan and build something new. It might seem less fun if you need to determine where electrical outlets should be placed. Good maintenance and reliable insurance coverage help the fun times be even better. Knowing you have all your bases covered lets you relax and enjoy your home. Let us help you achieve that. Contact us today.

 

What to Look For When Selecting a Home Insurance Agent

There are many benefits to selecting the right home insurance agent for your home insurance needs. The right agent can ensure that your home and valuables are fully protected, that you are not paying more than you should for coverage and be there to help when you have to file a claim. But you may find yourself wondering what to look for when selecting an agent to help you find the right one for you. Here are a few factors to pay close attention to.

The Experience of the Agent

One of the key factors to consider when selecting a home insurance agent is how much experience the agent has. An experienced agent can guide you to the right coverage amounts and insurance companies.

How Easy the Agent is to Reach When Calling

Another factor to consider when selecting a home insurance agent is how easy the agent was to talk to when you called. If you had to leave message after message and wait days to get a phone call back, you may find yourself in the same situation if you need to file a claim. You want a responsive agent.

What Insurance Companies the Agent Works With

Lastly, consider what insurance companies the agent works with when selecting one. Some work with multiple companies, while other agents work only with one company. An agent that works with multiple insurance companies can help you find the best policy among a variety of carriers.

Are you looking to start a new home insurance policy? Or are you looking for a new agent to work with? Then contact AFI Insurance, serving the greater Denver, CO area. Our agents are friendly, warm and knowledgeable. Contact us now to find out how we can help you get the right policy for you.

What is A High Risk Driver?

Auto insurance can be confusing, but for those in the Denver, CO area, the agents with AFI Insurance can help make understanding a bit easier. One term that we often hear that might still be a bit foggy is a high-risk driver. So what is a high-risk driver?

In layman’s terms, a high-risk driver is anyone that is likely to be in an accident and therefore likely to cause a claim and to cost the insurance company money. This means someone that has a poor driving record, and that has had multiple claims and accidents, even those that have been unreported. Another high-risk factor is being under the age of 25. This is because younger drivers have less experience and are therefore more likely in the eyes of the insurance agency to get into an accident.

Being a male is also a high-risk factor because studies have shown that more males are involved in accidents than females. Another high-risk factor is being over a certain age as well. Older drivers have a harder time seeing other drivers, being able to follow traffic rules and more. No matter what your high-risk factor is, there are ways that you can counter these premium rises. Having a driver over the age of 50 can help to reduce premiums, being married can help, having a job, having a house, and having a reason to avoid accidents essentially can help reduce premiums.

Your agent can also look for discounts that you may be eligible for to help reduce and counter your high-risk drivers. If you live in the Denver, CO are, the agents with AFI Insurance can help you figure out what policy is going to work best for you and which are not.  

How Does Home Insurance Vary From State to State?

You might imagine that the insurance requirements from state to state for your home are as varied as the requirements for auto insurance. If you go by this assumption you would be wrong. The real difference lies in the insurance needs of each state versus the next. For those that live in the Denver, CO area, the agents with AFI Insurance can help you find the policy that is right for you.

The main difference in policies between states is the needs of each geographic location. A good example of this is Denver, CO, in Denver there is a great deal of snow each year, this means your winter coverage is going to be far higher than someone that live in Arizona for example where there is no snow. Similarly, someone in Denver is not going to need hurricane insurance because there are no hurricanes in Denver but in a state like Florida, there are.

It is important that your home insurance not only be tailored to your home and to the needs of rebuilding your home, but also the area in which your home is built. Your agent will talk with you about what policies you definitely need and what policies you might benefit from based on the specific geographic location that you live in.

No matter where you live, it is important to make sure that your insurance policy is tailored to your specific situation. This is important because even if you have a great policy in place, if it is not tailored to both where you live and to your home, you are likely going to have gaps in coverage that will make getting your home repaired in the event of a disaster very difficult. For those in the Denver, CO area, the agents with AFI Insurance can help you get the perfect policy.  

What Is Contents Coverage for Auto Insurance?

Your auto insurance plan has multiple types of coverage within it. Each component of your plan helps to cover a different type of risk. For example, most car insurance policies have liability insurance. This protects you from lawsuits and claims filed against you as a result of an accident or damage incident you cause. Contents coverage is another type of coverage you likely have. At AFI Insurance, our team can help you to have the right coverage for any need.

What Does Contents Insurance Do?

Perhaps you are at an event and your car stereo is stolen. You could see your entire vehicle be stolen in other cases including your expensive laptop in the backseat. Content insurance is a specific type of coverage to provide financial protection from losses of belongings normally found within the vehicle. This type of policy will cover items that you typically keep in your vehicle while using it or while it is parked. Keep in mind that this policy has limits.

Most of the time, contents coverage on your auto insurance is only available up to a certain level. This is typically $1,000 per item or event, but it can differ significantly. In addition, the coverage only applies when the reason for the loss is a covered claim, such as theft. It may not be covered in instances not typically covered by your auto insurance plan.

Contact Our Team for the Coverage You Need

To make sure your vehicle has the protection it needs, contact our offices today. At AFI Insurance, we help those in Denver, CO and the surrounding area to have a policy that meets their specific needs. Call our team to learn more about how you can update your plan to cover the valuables you keep in your car.

 

Automobile insurance Needs For Older Policyholders

Factually stated, not any of us are getting any younger. Serving the Denver, CO area the varied age folks at AFI Insurance treat each customer with respect and courtesy, informing all clients what their insurance responsibilities are so there are no surprises in the event of an accident. Like everything else, things change with our driving habits and abilities as we age. As a result, our automobile insurance needs change since effective insurance reflects our individual status.

Most states follow the mandate that states that insurance rates are higher for those drivers who are under 25 and over 65. The rates change for older drivers as a natural course that they are more likely to get into accidents due to declining vision along with other health concerns. State to state statistics bears out this truism as younger drivers are more likely to get into accidents due to being more impulsive and less careful.

Defend Yourself

Fortunately, we can enact counter measures to combat the natural effects of aging by proactively becoming better drivers. Taking defensive driving classes as well as other extracurricular driving instruction is a great idea for older drivers. Undergoing special eye examinations that test for driving acuity is yet another helpful measure to ensure safety. Actively becoming a better more informed driver is the key to remaining vital on the road.

Whether you are interested in purchasing insurance for your home, auto, or life, the conscientious staff at AFI Insurance can give you the information you need to make an informed decision about taking care of the business of protecting your assets and your peace of mind. Also we have insurance products to protect your commercial interests as well. Centrally located in beautiful “Mile High City,” (that’s plain old Denver, CO to you non-Denverites) come into our office at 3900 West 38th today.

Buying a Home in Denver, Co

As of September 2016, the Denver, CO housing market has seen a 10 percent appreciation in value since the year before, according to Channel 9 News, a local news agency in Denver.  According to Zillow, the median price for a home in Denver is $341,400.  This price must be good because Redfin has reported that Denver sees houses on the market for an average of 11 days before selling, making it number two in the country for fastest real estate sales.  It falls slightly behind Seattle which sees houses on the market for a mere ten days before selling. And it’s no wonder real estate goes so quickly considered the desirability of these areas.

According to the US News and World Report’s 2016 Best Places to live in the USA, Denver came in at number one.  Why? Because Denver is a city that still offers the American Dream.  It’s a place where people are free to explore everything.  It’s a progressive place that encourages fitness, nature and individual rights and freedoms, even if those may seem controversial to the rest of the country.  It has an “all for one and one” kind of vibe that residents love.

If you’re looking to buy a home in Denver, CO, you may need to be the kind of person who is able to make a quick decision.  Basically, if you find a home you love, don’t wait.  Go for it. And when you get it, give us a call at AFI Insurance to discuss homeowner’s insurance for your new Denver, CO home. Our agents at AFI Insurance are highly skilled, professional, and patient when it comes to providing you will at the information you need to make a decision on the right homeowner’s policy for you.  Call us today at 303-433-8888.

Auto Insurance in Denver, CO

Auto insurance is mandatory for drivers in the United States. Drivers in Colorado must meet the minimum criteria to auto insurance liability, or comprehensive coverage depending on their driving record. AFI Insurance of Denver offers auto insurance to drivers in Colorado State.

The main categories of auto insurance available to Colorado drivers:

Liability Coverage – the mandated minimum auto insurance requirement every Colorado driver must meet to register a vehicle and driver in the state, covers another driver’s injuries and property damage after an accident claim.

Property Coverage – auto collision coverage compensates for vehicle repairs or replacement in response to an accident or vandalism claim.

Medical Coverage – compensates an insured for any medical bills hospitalization, funeral expenses, as well as lost wages due to injury.

Comprehensive Coverage – a single policy combining liability coverage, property damages, and medical expenses.

Colorado auto insurance premiums are indexed at a higher rate. Depending on a driver’s accident and traffic ticket record, auto liability insurance may be supplemented with collision or part of a comprehensive auto insurance agreement. Comprehensive auto insurance policies cover medical bills, vehicle repair bills, and attorney fees if a lawsuit should ensue after an accident claim.

A driving record that has negative marks for accidents or traffic tickets may be categorized as a risk; requiring a driver to meet comprehensive auto coverage requirements to register a vehicle, as well as apply or renew a license. Colorado drivers with a good driving record may benefit from discounts offered through their insurer. Ask your insurance broker about your eligibility for a good driver discount.

To find out about auto insurance coverage policy premiums, claims grace periods, and terms and conditions in Colorado, and to request a quote, contact AFI Insurance, Denver CO.

When is a Damaged Roof Covered By Home Insurance?

The roof on your house helps to keep outside elements out of your home. However, when it is damaged or in poor condition, water may seep into your home, causing substantial amounts of damage. Unfortunately, roof repairs or re-roofing your home can be costly. Fortunately, sometimes these repairs may be covered by your home insurance. Here is some information on what types of damage may be covered and what types may not be covered by your home insurance policy.

When Roof Damage is Covered

Generally speaking, if something caused damage to your roof other than regular wear and tear, your home insurance will pick up the damage. For example, if a hail storm damaged your roof, home insurance will pick it up. Or if strong wind gusts suddenly blew a large number of shingles off your roof, your home insurance will likely pay for the repairs or for a new roof, if warranted.

When Roof Damage is Not Covered

Home insurance will generally not pay to repair or replace roofs that need work due to normal wear and tear. Most roofs only last about 20 to 30 years when properly cared for. During this time period, regular exposure to rain and sunlight may wear shingles or tiles down or cause a couple here or there to be damaged. When this occurs or when your roof has reached the end of its lifespan, home insurance typically won’t make the repairs or pay for the new roof.

When you are shopping around for home insurance, it is important that you understand what is and is not included in the policy. This helps ensure your policy best fits your needs. Here at AFI Insurance, serving the greater Denver, CO area, we sit down with our customers and go over their policy, helping to ensure they have a full understanding of it. If you are in the market for a new policy, let us help you. Contact us today to set up an appointment to get started.