Skip to content
Send us a Text Click to Call
AFI

3900 West 38th Avenue
Denver, CO 80212

Get Directions

Colorado Insurance Blog

Fall Home Checklist: How to Stay Safe

Denver, CO can see some cold, snowy winters. That’s why homeowners begin preparation for the colder seasons starting in the Fall.  While the weather is still nice, this is the time to get outside and do some preventative maintenance around the house that will guarantee and safe and cozy home until it’s time for next year’s spring cleaning.  

Check for Escaping Heat

Look for cracks along windows and door frames and caulk any areas where heat could be escaping.  Do the same for any cracks you find along walls.  The roof is another area where heat likes to find an escape.  Every Fall it’s a good idea to give your roof a thorough inspection. This will keep your property’s carbon footprint smaller along with a smaller energy bill. 

Look for Peeling Paint

Inspect the exterior walls of your property and any outbuildings for peeling paint, which is a sign that the paint needs to be replaced to keep what is underneath protected.  Old paint can no longer support siding and over time the siding will deteriorate leading to expensive repairs.  

Install Storm Windows and Doors

Before the first snowfall, it is a good idea to secure the more vulnerable parts of the property, namely the doors and windows.  Winter storms bring strong winds that rattle windows and doors, trying to make its way in.  By securing your windows and doors with quality storm replacements, you’ll keep the storm where it belongs – outside.  

Homeowner’s or Renter’s Insurance

Having insurance to weather any storm that comes your way, will keep your home safe and protected for all the days you will there.  At AFI Insurance, we will assist you in getting the right insurance for your home or rental property.  Don’t let anything stand to chance in Dever, CO.  Protect yourself and your loved ones with AFI Insurance guiding the way.  Contact us today for more information.  

 

 

How to Prepare Your Car For Winter in Denver, CO

Winter is nearly upon us once again. For most Denver, CO residents, the winter is their favorite time of the year due to the colder temperatures and the bevy of winter activities available in the area. Without a properly working vehicle, you will struggle with things like getting to work on time. The colder temperatures of winter can cause a car to perform sluggishly if it has not been maintained properly. When trying to get your vehicle ready for the coming winter weather, here are some of the things you need to do.

Checking the Condition Of Your Tires

The only part of your vehicle that actually touches the ground are the tires. As time goes by, the rubber that your tires are made of will begin to deteriorate. Before the roads begin to ice over due to colder winter temperatures in the Denver, CO area, you will need to get your tires checked out by a professional. If the tires are worn, it will be very hard for them to grip the road tightly when ice is present. This can lead to accidents and a lot of damage being done to your vehicle. Getting a new set of tires will help you stay safe regardless of the road conditions.

Ensuring the Car’s Heater is Working Properly

In order to combat the ice cold temperatures that winter can bring, your car’s heater will have to be working properly. If things like the heater core begin to leak, you will need to get it replaced before winter arrives. Taking the vehicle to a mechanic who is familiar with automotive heating systems is the only way to ensure there are no repair issues to address. If components of the heating system are broken, the mechanic will be able to replace them quickly.

Making sure that you have adequate car insurance coverage is easy when working with AFI Insurance. The team at AFI Insurance have the experience needed to get you the best possible coverage for the best price.

How to Prepare Your Car For Winter in Denver, CO

Winter is nearly upon us once again. For most Denver, CO residents, the winter is their favorite time of the year due to the colder temperatures and the bevy of winter activities available in the area. Without a properly working vehicle, you will struggle with things like getting to work on time. The colder temperatures of winter can cause a car to perform sluggishly if it has not been maintained properly. When trying to get your vehicle ready for the coming winter weather, here are some of the things you need to do.

Checking the Condition Of Your Tires

The only part of your vehicle that actually touches the ground are the tires. As time goes by, the rubber that your tires are made of will begin to deteriorate. Before the roads begin to ice over due to colder winter temperatures in the Denver, CO area, you will need to get your tires checked out by a professional. If the tires are worn, it will be very hard for them to grip the road tightly when ice is present. This can lead to accidents and a lot of damage being done to your vehicle. Getting a new set of tires will help you stay safe regardless of the road conditions.

Ensuring the Car’s Heater is Working Properly

In order to combat the ice cold temperatures that winter can bring, your car’s heater will have to be working properly. If things like the heater core begin to leak, you will need to get it replaced before winter arrives. Taking the vehicle to a mechanic who is familiar with automotive heating systems is the only way to ensure there are no repair issues to address. If components of the heating system are broken, the mechanic will be able to replace them quickly.

Making sure that you have adequate car insurance coverage is easy when working with AFI Insurance. The team at AFI Insurance have the experience needed to get you the best possible coverage for the best price.

Why Flood Insurance Isn’t Part of Homeowner’s Insurance

New homeowners are regularly educated on what they’re required to take care of when financing a home purchase, and that includes a home insurance policy to protect the asset from harm. However, if read closely, one is going to find that while the policy protects against general hazards like theft, fire, structural damage and similar, one particular risk is left out: flood damage.

Flood protection has for many years been an issue addressed by the federal government. The National Flood Insurance Program, or NFIP to the industry, is administered by the Federal Emergency Management Agency (FEMA) to both provide homeowners insurance coverage against flood risk as well as to push for proactive flood planning in communities at high risk for flooding. However, NFIP benefits are not directly accessible to private homeowners. Instead, NFIP underwrites and supports policies provided by traditional home insurance providers. The program works very similarly to how mortgages from home lenders are backed and supported by the federal government. Should there be a flood and claims are triggered, the provider acts as the go-between with the homeowner and NFIP. Up to a predetermined limit, claims are processed and funded, and the provider is then taken care of by the NFIP program.

However, NFIP eligiblity for flood insurance doesn’t happen automatically. Homeowners need to secure a policy first. Some regions are determined as high risk and flood insurance is required by mortgage lenders on financed homes. However, other regions and non-financed homes have no such requirement. If flooded and no policy is in place, NFIP cannot help such properties if a flood does occur.

For those in the Denver, CO greater area, flooding doesn’t need to just be near a river or lake. It can happen with flash floods from rain watersheds, particularly at the base of mountains. To find out more about how NFIP can help, folks can contact AFI Insurance for details and how to start a flood policy.

 

 

What is Advertising Injury and How Does Commercial Insurance Protect My Business Against It?

When you go to buy commercial insurance, one of the add-ons is advertising injury coverage. This may leave you wondering what this is and how it can protect your business. Here is some information you should know if you are curious about this topic.

What is Advertising Injury?

It is becoming more and more common for consumers to file lawsuits against businesses claiming that their products don’t do what their advertising campaigns claim it does. The product may not make their skin softer, improve their feet or whiten their teeth. The consumer files a lawsuit against the business and asks for advertising injury and unfortunately, these generally turn into class action lawsuits.

How Can Advertising Injury Coverage Protect My Business?

Regardless of whether these lawsuits have any merit or not, they can be costly to a business to defend. Having advertising injury coverage protects your business against these lawsuits. Your insurance policy will cover your legal expenses and pay for anything the courts may award, up to the value listed on your policy documents, helping to ensure your business does not go bankrupt if you are facing one of these lawsuits. This can be the difference between your business staying afloat or going under.

Do you need commercial insurance in the greater Denver, CO area? Or are you trying to improve upon your current policy? Let AFI Insurance give you a hand. They can look over your current policy or help you craft one to fully protect your commercial business. Give them a call today to find out more!

Why You Need Auto Insurance

In the most simple sense, auto insurance is essentially just smart planning.  This planning can end up saving you from surprises that can be expensive and even sometimes devastating.

When you consider your complete financial plan, auto insurance needs to be a part of it.  It is actually a very powerful tool that can assist with:

  • Safeguarding the investment that you have made in your vehicle
  • Paying for any medical bills incurred by a vehicular accident
  • Shielding you from expensive damages that can be the result of a lawsuit related to an accident
  • Guarding your valuable assets that you have worked so diligently to collect.  These can include things like bonds or stock investments, retirement funds, and even your home.
  • Protecting you from under insured or even uninsured motorists
  • Paying for damages and repairs that can be caused by natural disasters, vandalism and/or theft
  • Strengthening your overall peace of mind…each and every time you hit the road.

It is important to remember that not all of the auto insurance policies out there, and carriers of insurance for that matter, are created equally.  You need to ensure that you have a complete understanding of your specific policy.  This includes knowing what exactly needs to be protected and how each option of your policy covers it, or doesn’t.

AFI Insurance, in Denver, CO can actually assist you in targeting the level of insurance coverage that will best suit your needs.  They can also reveal savings and discounts that can be quite valuable while also pinpointing the requirements in Colorado.  They can also help you by letting you know what other people are covering.  As soon as you get the chance, you should call or come by to make sure that you have the coverage you need right when you need it.

 

The Basics of Auto Insurance

Auto insurance, especially if it is something that you are not used to looking at on a regular basis, can be very complicated. It is easy to fall into a trap and end up paying too much for insurance you do not need. Instead of guessing when you are looking at auto insurance, it is important to learn the basics. These tips from AFI Insurance serving Denver, CO, can help you prepare for your auto insurance search.

  • Not all auto insurance policies are created equally. When you are in the market for an auto insurance policy, you may find a lot of varying policies and prices from various companies. It is important, however, to keep in mind that not all polices are the same. Different companies have different reputations and the makeup of the policy can differ vastly.
  • It may be required by state law to have auto insurance. Auto insurance is something that you cannot avoid in some states. There are many states that set forth a minimum coverage amount in order for you to operate a vehicle that you own. It is important to know what these minimums are so you find a policy that meets these requirements.
  • A low price is not usually a good thing. If you are comparing policies and find that one price is substantially lower, it is often because the company offers insurance that is cut rate and has many gaps in coverage. You should examine these policies carefully before you sign up for them because you could end up with insurance that does not meet your needs or a company that will not help you.

If you are in the market for auto insurance or you would like to get some quotes, be sure to contact AFI Insurance serving Denver, CO.

Colorado Motorcycle Insurance Laws and How it Prepares You for Safety

In the state of Colorado, all motorcycles must maintain compliance as it relates to the insurance laws. Other than the necessary protective gear, eye protection, foot rest and other safety instruments, financial responsibility is an essential aspect of preparing for safety on the roadways. Accidents are possible, whether you are driving a motor vehicle or a motorcycle. For that reason, having motorcycle insurance will make sure that you can pay for injuries or damages suffered by yourself and others.

The Restrictions

As a motorcyclist, if you don’t have insurance, you will be restricted to:

  • Filing a complaint for insurance, in the event that there is a collision
  • Liability coverage to protect you and anyone involved in the collision

The Liability

According to the insurance laws in the state of Colorado, you are mandated to carry liability insurance. There are specific state limits, which you have to discover from an insurance carrier. However, for your safety, it is recommended that you get coverage for bodily injury and property damage. It is important to seek several quotes for motorcycle insurance before making a decision which insurance carrier to go with. This could save you thousands of dollars. You also have optional coverage.

Optional Insurance Coverage

The law does not force you to accept optional insurance coverage, but it will only serve to prepare you for safety. So, it is advised that you check with an insurance carrier in your state to discuss if the minimum requirements are enough to ensure that you are adequately and safely covered. Some of the optional insurance coverage includes:

  • Repairs during a collision
  • Medical payments if there is an injury
  • Comprehensive coverage to handle natural disasters, fire, theft or vandalism
  • Labor and towing
  • Uninsured motorcyclist during a collision
  • Underinsured motorcyclist during a collision

Don’t be caught off-guard without motorcycle insurance coverage you need. Rather, it is easy to receive an online comparison quote with AFI Insurance. This will allow you to make an informed decision to remain safe on the Denver, Colorado roadways, subsequently protecting yourself. To find out more about how you can do this, contact AFI Insurance today.

Get Premium Home Insurance from AFI Insurance

Home insurance is a mandatory requirement for all homeowners.  Your insurance protects you from the financial burden of rebuilding or restoring property after expensive damages.  Even though renters insurance is similar to home owners insurance AFI Insurance in Denver, CO wants consumers to know of the various benefits homeowners insurance provide.

An insurance policy gives you financial protection against critical financial loss in the event of damages to your home.  Replacing after damage usually costs more than the initial cost of building. This poses a monetary burden most families can’t handle.  Homeowners insurance gives you the money to rebuild your home and your life.

Collecting insurance gives you a bulk sum which allows you to repair or replace after damages much faster than out of pocket.  Insurance pay outs help families to get back on their feet by repairing their homes in the shortest amount of time possible.  Not only does this restore normal living, but it also aids in psychological health, stress reduction and feelings of loss.

Homeowners insurance covers the various ways that properties become damaged.  This includes fire, natural disasters, theft or vandalism.  The policy includes interior and exterior damages to your home and, in some cases, stretches to cover destruction of personal property in and outside your home.  Homeowners policies can even cover injuries sustained to persons on your property.

One of the outstanding benefits of homeowners insurance is that policies give financial coverage that goes the extra mile.  Additional coverage for unique provisions may boost policy premiums, but the benefits are worth it.  We include coverage for jewelry and expensive artwork or other areas that are unique to your geographical situation or personal life.  Coverage for unique provision vary with each state or individual.  Visit our website for more information.

 

How To Find The Best Deals On Life Insurance

When you live in Denver, CO, you want to do all you can to take care of yourself, as well as your family. A life insurance policy can provide financial protection in the event you pass. This is money that can be used by your spouse, your children, your parents, or anyone you deem as your beneficiary.

Finding the best deals is important and there are some tips to help you as you shop around.

Term vs. Whole

One of the biggest decisions you have to make is whether you want term or whole life, and it may vary. Term is great for an affordable premium while whole can provide long-term benefits. Understanding the differences is important and you want to make sure you choose wisely.

Compare Rates

Not all life insurance companies offer the same rates. This is why it’s so important to contact at least three companies to get rate quotes. It will allow you to make some comparisons so you know what you could end up paying for your premiums.

Explore the Amount of Life Insurance You Need

The more life insurance you want, the more it is going to cost you. However, you want to be sure you have enough. A simple rule to follow is 10 times your annual income, which can be enough to help your family tremendously.

Work with an Independent Agent

You never truly know what’s out there for insurance until you work with an agent. Agents can talk to you about the different discounts that are out there and help you to find the best company to work with, as well as the best premium.

Contact us at AFI Insurance today to get personalized assistance with finding a life insurance policy in Denver, CO for you and your family.

 

Categories

Archives

Partner Carriers

  • Agile Premium Finance
  • Allstate
  • Attune
  • BackNine
  • biBerk
  • Bristol West
  • BTIS
  • Chubb
  • CNA Commercial
  • Coterie
  • Cover Whale
  • Covr
  • Cowbell
  • Dairyland
  • Encompass
  • Falcon Insurance
  • FCF Premium Finance
  • Foremost
  • Goto Premium Finance
  • Hagerty
  • Mexipass
  • Nationwide Insurance