Category: Home Insurance

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.

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.

You likely recognize the necessity of having cleaning supplies around the house for various tasks, but sometimes you have to look beyond the label to realize the value of what’s within. These versatile products can do a lot for you if you just give them a chance. Cut down on your broom closet with these tips. 

Liquid Soap Is a Cure-All

There are several different uses for liquid dish soap you may not have realized. When you use it as part of a trio of white vinegar and salt, you can start killing the weeds in your sidewalk. Take one tablespoon of soap, a cup of salt and a gallon of white vinegar and then just pour it in the crack. Works much better than pulling every few weeks. You can also put it in a bag and then place in the freezer to make an effective ice pack. 

Window Washing As a Pest Killer 

Take down bugs by spraying window washing fluid where they stand. You can actually use this as a stain fighter on your couches and chairs too if you happen to spill and need an emergency fix. 

Denture Tablets 

From time to time, your drains probably clog up with dirt, debris and hair. Unfortunately, products to unclog your drain can be costly, but denture tablets can be used as an alternative to break up the damage and clear it away. Just break the tablet open, put it down the drain and run the hot tap right over it. 

From cleaning supplies to having the right insurance, you care about your home in Denver, CO. AFI Insurance is here to protect it, and we want you to call us if you need more information about available policies or just need a quote!

As the head of your household, the thought of something happening to your family is inconceivable. However, your family may be vulnerable while they are inside of your home when it comes to weather-related threats. At AFI Insurance, we recommend that you take the following steps to protect your family in each room of your home.

Equip each room with emergency lights. Having the ability to see during an outage can protect you from other dangers. You should outfit each room in your home with battery-operated lighting to keep everyone safe.

Place emergency kits strategically throughout your home. The number of emergency kits you have and the contents of each depends on your family’s needs. With at least two emergency kits in your home for a family, a four will help you ensure they are safe during a weather-related emergency. One kit in your kitchen and another in your bathroom will allow any family member to access easily each kit when it’s needed.

Store extra food and water in the kitchen. It’s not enough to simply have more food than you need in your kitchen at any time. You must deliberately pack a kit full of extra food and water so that you will have enough for a few days. Relying on the food you have in the refrigerator will not work during a power outage, since it could spoil.

In addition to extra food, placing a fire extinguisher in your kitchen will help you in the event of fire.

Purchase communication devices. When you know what is going on, you have a better idea of how to protect your family. You should have a radio and a corded phone in your living room.

Protect your family with smoke and carbon monoxide detectors. In your entryway and near each of your bedrooms, you should have a smoke and carbon monoxide detectors. With these devices strategically placed near bedrooms, even sleeping family members will spring awake at the sound of the alarms.

Additionally, homes with multi-levels should have a prepared exit strategy for individuals that may become trapped in their rooms. Exit strategies should include emergency ladders, extra blankets, and emergency lighting.

At AFI Insurance, we do all we can to ensure our families are protected, including offering homeowner’s insurance. If you are paying too much for your existing policy, take a look at the features included in our policy on our website.

You made it! It has been your wish to get the family into your first home before the holidays.  What a Christmas this will be! 

Give yourself the best present this year. Rest assured by making certain your home insurance has coverages that include the issues that occur during extreme cold weather emergencies,

Cold Weather  To Do List

Prepare a cold emergency kit. Planning is key in the cold since roads may be closed and you can not access necessary items. Make certain you have appropriate cold weather apparel for the entire family: gloves, hats, scarves, etc. Keep extra ice melt on hand as well if you need to clear an outdoor area to access your car. You also don’t want people to slip and fall in front of your home.

Make certain your furnace or boiler is operating correctly. Checking it now may help you avoid a costly repair during a cold emergency. Inspecting your chimney is also important as it should be cleaned once per year.  

Repair or maintain stairs and outside areas now, before the snow is key to making certain the added weight of the snow doesn’t exacerbate an easy fix. 

Stagnate water in pipes may freeze. If you are going away when there may be a cold freeze, remember to clear your pipes before leaving. 

These brief reminders are just the tip of the iceberg – no pun intended. Please follow the link to learn more about how you can protect your home and loved ones this winter and beyond by acquiring an affordable and comprehensive home owner’s policy. AFI insurance agents are the experts when it comes to your locale and can help you enjoy your new responsibility worry-free.