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COLORADO’S PREMIER HOME AND AUTO INSURANCE PROVIDER SINCE 1994


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Brush Up On Your Basics Part II

Welcome back! In part two of our Brush Up on Your Basics series we are going to dive into some of the optional coverages you will find available on an auto insurance policy.

February 2018 Blog

Collision Coverage –

This coverage is helps repair or replace your vehicle in the event of a collision. If you are leasing or have a loan on your vehicle it is typically required by your lender. Collision coverage is subject to a deductible of your choosing and the higher the deductible the lower the premium. The most common deductibles for collision coverage are $500 or $1000 though most of our carriers offer deductibles higher or even lower than these. The deductible will be a determining factor when considering whether to file a claim. Any damages to your vehicle that do not meet or exceed your set deductible are usually best paid for out of pocket.

February 2018 Blog

Comprehensive Coverage –

Often referred to as “Other than Collision Coverage”, comprehensive coverage helps repair or replace your vehicle for damages caused by a variety of events. Some examples being – hail, theft of your vehicle, vandalism, fire and falling objects. Like the collision coverage, comprehensive claims are also subject to a deductible and is often also required by leasing and financing companies.

February 2018 Blog

Loss of Use –

This coverage is oftentimes referred to as “rental reimbursement coverage”. Say you’ve gotten into an accident, filed a claim on your insurance and now your car is in the shop. For some, this is no problem, but many people don’t have a spare vehicle at their disposal. The loss of use coverage is going to help get you in a rental car by paying a portion or all your daily rental fees. The daily coverage amount will vary depending on what you’ve chosen but may be anywhere from $25 a day to $50 and generally maxes out at 30 days.

February 2018 Blog

Roadside Assistance –

Also called “towing and labor coverage”, roadside assistance can help get you out of trouble. With the costs being quite low, it’s an indispensable coverage that will grant you peace of mind. A flat tire fix, tow, fluid fill up or jump start is just a call away. Most of our carriers have dispatchers to send someone out to you and others offer you reimbursement for those unexpected disablements. Add it today and rest assured that your spouse, son or daughter are driving with that extra layer of protection courtesy of your insurance carrier.

February 2018 Blog

Gap Coverage and Loan/Lease Coverage –

So you finally bought that shiny new car you’ve been longing for. Unfortunately, after yesterday’s accident you’ve totaled it. Are you now on the hook for the remainder of your auto loan or lease? Gap or loan/lease coverage can help by paying the difference between what you owe on your car and what it is worth at the time of the accident. There are some limitations to how long you must add this coverage, so we recommend doing so when you are first adding your vehicle to the policy. The cost is relatively low and sometimes cheaper than the option offered by the dealership.

February 2018 Blog

Uninsured Motorist Property Damage -

This coverage is available specifically to those who have opted for liability only coverage on their vehicle(s). It will help repair your vehicle should it get damaged by a driver with no insurance. Since the driver has no insurance you are not able to file a claim for the damages leaving you with the bill. Because of the high rate of uninsured drivers in the state we, as an agency, recommend this coverage to everyone with liability only coverages on their vehicle.

STAY TUNE

WILL BE BACK WITH MORE BLOGS :)

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Special Note-


These examples are for reference only. All claims will be subject to your individual policy terms and conditions. These examples will not change or amend any insurance policy.


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We hope that you were able to learn a little bit more about the auto policy coverage options available to you. We’re here to help! If you are interested in adding or discussing these coverages call our Service Team at 720-283-1722.


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MARCH 2018 BLOG


Brush Up on Your Basics, Part III

We welcome you back for another installment in our Brush up on Your Basics series. For part three we are going to dive into some of the aspects that make up a home insurance policy. For our purposes we will examine some standard coverages for a single-family home since this is one of the most common types of dwellings.

March 2018 Blog

Dwelling coverage –

The dwelling coverage is the meat and potatoes of your home insurance policy. It pays for damage to your home and any attached structures up to the dollar amount listed. Coverage is subject to your individual policy so it’s wise to read up on what perils are covered. Dwelling coverage is determined by many factors including the age of your home, age of your roof, square footage of your home and even how many bathrooms you have. The dwelling coverage will help cover the rebuild costs of your home. Do keep in mind that the dwelling coverage amount does not include the value of your land. Should a total loss occur the insurance will rebuild your home, the land that it is on will remain. Most of the companies we work with do offer special endorsements that extend your dwelling coverage by 25%, 50% or even 100%. These endorsements are normally just a couple of dollars a year and add a considerable level of coverage.

March 2018 Blog

Personal Liability –

The liability portion of your homeowner’s policy helps protect you and your family should you be found responsible for injuring someone or damaging another person’s property. This coverage can vary in value from $100,000 to $500,000 and is directly responsible for protecting your assets. For example, should a visitor injure themselves in your home and if you are found to be responsible, the liability coverage can be called upon to protect you should they take legal action. Our agency always recommends the highest level of liability coverage possible. We can even offer an umbrella policy option which can add another million dollars’ worth of coverage to your existing homeowner’s liability coverage.

March 2018 Blog

Personal property coverage –

The personal property coverage protects your belongings. It helps replace your property should it be damaged or destroyed by a covered peril. Which items are covered? We like to explain it this way: if you took your home turned it upside down and shook it, anything that falls out would be your personal property. There is no set dollar amount that you must choose as far as coverage but if there was a total loss to your home, think about everything you would have to replace. From a pair of socks to your dining room table, your personal property coverage will help replace it. As your family grows and you begin to collect things, consider increasing your coverage to reflect that. Higher valued items should be scheduled on your policy to guarantee they are insured properly as there are certain limitations built into your policy.

March 2018 Blog

Deductible –

– The deductible is the amount of money you pay before filing a claim on your insurance. There are different dollar amounts you may choose from, but the typical minimum for home insurance is $1000. Deductibles for home insurance may be listed a few different ways. Depending on your carrier, they may have one single deductible called an All Perils deductible which will apply to all possible claim situations. More commonly though we find a separate Wind/Hail deductible in addition to the “All Perils” deductible. What does this mean for a policy holder? Simply put, if you have a “Wind/Hail” deductible and an “All Perils” deductible you’ll find that any loss caused by wind or hail will be subject to that specific deductible and all other losses will be subject to the “All Perils” deductible. The deductible itself will help you determine the worth of filing a claim. If a hail storm passes through your area and you find $1000 worth of damage to your home but have a “Wind/Hail” deductible of $2000 you are not going to exceed your deductible. In this case you are better served to pay for the damages out of pocket.

March 2018 Blog

Other Structures –

The Other Structures coverage of your homeowner’s policy will help repair or rebuild the unattached structures that make up your home. This may be a detached garage, shed, barn or in some cases a fence. This coverage is oftentimes a percentage of your dwelling coverage as a starting point but may be increased if necessary. If you add any of these structures to your property or add onto your garage let us know and we can easily update your policy.

STAY TUNE

WILL BE BACK WITH MORE BLOGS :)

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Special Note-


These examples are for reference only. All claims will be subject to your individual policy terms and conditions. These examples will not change or amend any insurance policy.


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Let us know if you have any questions specifically regarding your home insurance policy. Our service team is always happy to discuss these or any of your home policy coverages with you. We can be reached at 720-283-1722 or by e-mail at service@cissinsurance.com .


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APRIL 2018 BLOG


Brush Up on Your Basics, Part IV

For our final installment in our Brush Up on Your Basics blog series, we present to you some additional home insurance coverages available to you. While these coverages are optional, our agency always recommends you carry them. This is due mostly in part because of the valuable protections they provide. In keeping with the theme on our last blog post, these coverage guides will apply to a typical single-family owner-occupied home. Coverage definitions may vary for other types of dwellings including apartments, rented homes and condos.

April 2018 Blog

Loss of Use –

This coverage on your home policy kicks in when you have suffered a loss to your home, have filed a claim and if the damage to your home is to an extent that you are forced out of the home while repairs are made. The loss of use coverage will help cover most additional living costs you might be subject to. Some examples include the cost of alternate lodgings, meals, or other comforts to maintain your standard of living while you are displaced. Most carriers allow for this coverage to be used anywhere from 12 to 24 months, depending on your policy coverage and the time it takes to restore your home.

April 2018 Blog

Medical Payments –

The medical payments coverage on your policy will be like the coverage on your auto insurance policy with one major difference. Unlike the auto insurance policy, the medical payments coverage on your home policy is payable to individuals other than residents of the household. This means that should you or one of your family members be injured while in your home, you should not expect a claim on your home insurance to pay for your own medical bills. If, however, you have a family friend over to your home and they happen to trip on your front step and break their arm, the medical payments can help cover their medical bills.

April 2018 Blog

Ordinance or Law Coverage –

Should you find yourself amidst a home claim that requires rebuilding your home, you might learn that some building ordinances or code laws have changed since your home was originally built. This ordinance or law coverage helps cover any increased costs that may come up while restoring the home and getting it back up to proper building code. Your insurance carrier will help cover these costs to upgrade or replace aspects of your home that are out of code and it may cover increased demolition costs.

April 2018 Blog

Sewer and Water Backup –

In broad terms, this coverage helps when water backs up through or overflows from a sewer, drain or sump pump and causes damage to your home or personal property. This does not cover damage caused by flood, surface water or water below the surface of the ground that leaks through a home’s foundation. Should you suffer a loss related to sewer and water backup, your coverage will likely help with the removal of the water, restoration of the home and replacement of your personal property.

STAY TUNE

WILL BE BACK WITH MORE BLOGS :)

........

Special Note-


These examples are for reference only. All claims will be subject to your individual policy terms and conditions. These examples will not change or amend any insurance policy.


BLOG SPOT

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We hope that this series has helped breakdown your policy coverages to be easily understood. If you have questions on other coverages for your home or auto policy give us a call. Our fully staffed service team is here for you. If you want to explore adding or increasing your coverages you can reach us by phone at 720-283-1722 or by e-mail at service@cissinsurance.com .


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MAY 2018 BLOG


RV’s, and Campers, and Trailers Oh, My!

Now that things are heating up here in Colorado, it’s likely that you are breaking out your recreational trailers and vehicles. As you clean and prepare your home away from home, don’t forget another facet of preparation – insurance. You may be asking yourself, “What type of insurance should I get”? Well, RV’s or motorhomes that have motors and are not towed behind a vehicle require coverage just like a car would. The policy itself will have elements like a standard auto policy, including bodily injury liability coverage, uninsured and underinsured motorist coverage and deductibles. Oftentimes, there will be the option for roadside assistance or even glass or windshield coverage. Most carriers we work with offer optional coverages such as emergency vacation expense, which provides you with alternate lodging and transportation if your RV is damaged during a trip, as well as special coverage for your personal belongings while they are in your RV. What about travel trailers, toy haulers and fifth wheels? With these pull-behind recreational trailers you will typically find that the liability coverage will extend from whichever vehicle is towing it. While it may be covered liability-wise that doesn’t mean that there will be any coverage for repairing damage. Should you get in an accident or suffer a loss from a hail storm, an insurance policy will help take care of the costs associated with repairing your trailer. Comparable to RV policies, you will have options to add comprehensive coverage, collision coverage, roadside assistance, glass and vacation liability. Utility trailers are also eligible for coverage, like travel trailers, liability coverage will extend from the vehicle pulling the trailer. If you would like physical damage coverage for your utility trailer, you can insure it as well, and for a nominal fee for the year.

Special Note-


These examples are for reference only. All claims will be subject to your individual policy terms and conditions. These examples will not change or amend any insurance policy.


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If you just bought or are bringing out your recreational vehicle for the season, consider getting it insured. Give our Service Team a call at 720-283-1722 or e-mail them at Service@cissinsurance.com for quick and easy coverage.


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June 2018 BLOG


When Hail Hits

Hail season is upon us. Whether you’ve been lucky in the past or suffered hail damage yourself, we are all keeping an eye on the skies. Weather can be pretty unpredictable here in Colorado. This time last year, many of us were left reeling when one of the largest and costliest hail storms in Colorado history swept through the state. The Rocky Mountain Insurance Information Association (RMIIA) estimates that the damage caused by the storm cost approximately 2.3 billion dollars1. As we brace ourselves for another hail season, we’d like to share with you some tips for how to deal with the aftermath. Whether you are dealing with damage to your home, rental home, travel trailer, RV or car, it can be daunting to figure out where to start and what to do after a storm. Hail itself can be particularly damaging because you are oftentimes dealing with a two-part problem, damage caused by the hail hitting, and water damage caused by the accompanying storm or melting hail. Hail damage can range anywhere from pockmarks on cars and siding to broken windows and water-logged carpets. Damage to your vehicle will likely be cosmetic in nature with the exception of broken windows which should be mitigated to reduce further damage to the car. After the storm, we recommend bringing your vehicle to your local trusted auto body shop. They should be able to provide you with an estimate for the cost of the damages to your car. That will help you determine whether it is cost effective to file a claim or not. Damage caused by the hail will be subject to your comprehensive coverage so, if you have collision only coverage or liability only coverage on your vehicle, you should expect to pay for any repairs out of pocket. Hail damage to your home is usually a more pressing issue to address. Dented roofs and broken windows can cause even more trouble if another storm passes through. Make sure that you are mitigating the damage early on. Cover broken windows to avoid leaking water, set up fans to dry any water that may have gotten into your home and consider putting a tarp on your roof if you found that it has developed leaks. Once you’ve mitigated the damage, we recommend you call a restoration, roofing or home repair company to come out and provide you with an estimate for the repairs. If you feel that you may need to file a claim, we recommend that you consider your home deductible. This may be expressed as an “all perils” deductible or “wind/hail” deductible on your home insurance depending on how it is written. If the estimate of the damages exceeds your deductible you may want to continue to file the claim. If the estimate of the damages does not meet or exceed your deductible you are likely better suited to pay for the repairs out of pocket. If you do need to file a claim, we will refer you directly to your insurance carrier and their department of licensed claims adjusters and specialists.

Special Note-


These examples are for reference only. All claims will be subject to your individual policy terms and conditions. These examples will not change or amend any insurance policy.


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Our Service Team is always on hand to help answer your questions and give advice. While the ultimate decision of whether to file a claim or not is up to you, we can always help provide guidance when you need it. Reach us today by phone at 720-283-1722 or by e-mail at Service@cissinsurance.com. http://www.rmiia.org/catastrophes_and_statistics/Hail.asp


MEET THE TEAM


MIKE MATHISEN

President

Office:

720.283.1722

Cell:

720.244.7393

Email:

Mike@cissinsurance.com

"Mike Mathisen Bio"

President Of Colorado Insurance & Arizona Insurance

MEET MIKE MATHISEN

Mike has been in the insurance industry since 1990 and if his many years of experience have taught him anything, it’s that the Insurance business is the People business. He is driven by his mission of protecting the assets of clients and their families in the event of unexpected financial disaster. Colorado Insurance is built on a foundation of customer values providing the best price, protection and service in the industry. A local family man, Mike lives in Littleton, Colorado and cherishes the time he is able to spend with his three grown children and his many grandchildren. He enjoys mountain backpacking, golf, fishing and loves to cook for family and friends.


CALEB M. ATCHISON

Vice President

Office:

720.283.1722

Cell:

720.323.7474

Email:

Caleb.Atchison@buycoloradoinsurance.com

"Caleb M. Atchison Bio"

Vice President Of Colorado Insurance

MEET CALEB M. ATCHISON

Caleb joined Colorado insurance in May of 2005 after graduating with a business marketing/management degree from Colorado State University. Caleb began his career as an independent agent, growing and developing under the direction of agency President, Mike Mathisen. After 5 years of steady growth and success as an independent agent, Caleb assumed the role of Junior Partner to the agency in August of 2009. During this time period, Caleb’s core focus was marketing, recruiting, training, and operations development.


SARAH ZAMBRANO

Operations Manager

Office:

720.283.1722

Fax:

720.283.1726

Email:

Sarah@cissinsurance.com

"Sarah Zambrano Bio"

Operations Manager Of Colorado Insurance

MEET SARAH ZAMBRANO

Sarah has 14 years’ experience in the insurance industry. She was born and raised in San Diego, CA and has lived in Colorado for 9 years. Helping people solve their problems is what she does best. Since joining the agency, Sarah has become a valued leader in the office. As Customer Service Manager, Sarah is responsible for the day-to-day operations of the customer service department and promotes the leadership philosophy where each staff member plays a critical role in the success of the business as a whole. She enjoys spending her free time with her 2 children and watching their various sporting activities.


RYAN MATHISEN

Vice President of The Business Protection Team

Office:

720.283.1722

Cell:

785.979.3089

Email:

Ryan@thebusinessprotectionteam.com

"Ryan Mathisen Bio"

Vice President Of The Business Protection Team

MEET RYAN MATHISEN

Ryan grew up in Highlands Ranch, Colorado and studied at the University of Kansas. He has been involved in the insurance business his whole life and has a professional background in both sales as well as internet technology. He is happily married to his wife, Kami, and has just recently welcomed a new baby boy named Max to his family. Ryan is a big fan of the Denver Nuggets, Denver Broncos as well as the Kansas Jayhawks!


CHAD MAXEY

Director of Sales

Office:

720.283.1722

Cell:

720.283.1722

Email:

Chad.Maxey@buycoloradoinsurance.com

"Chad Maxey Bio"

Director Of Sales For Colorado Insurance

MEET CHAD MAXEY

Chad has been working in the insurance industry for over fifteen years. He loves meeting clients building a long lasting trust with them and helping them find the most comprehensive coverage that meets their needs. Chad has lived in Colorado for over 24 years and loves everything the state has to offer. In his spare time he’s an avid fly fisherman and plans to tackle climbing more fourteeners in the near future. The best thing in his life is his family and he cherishes spending every moment with his best friend and wife Lindsey and their children.


ANDY MATHISEN

Marketing Director and Director of Sales

Office:

720.283.1722

Cell:

720.299.4585

Email:

Andy.Mathisen@buycoloradoinsurance.com

"Andy Mathisen Bio"

Marketing Director and Director Of Sales for Colorado Insurance

MEET ANDY MATHISEN

Andy brought his marketing experience to Colorado Insurance from a Denver start-up company where he dealt with a variety of marketing strategies. He grew up in Highlands Ranch, Colorado and, with the exception of four years of college at the University of Kansas, has lived here his whole life. At KU he acquired a degree in Communications and a minor in Business. His main focus at Colorado Insurance is digital marketing, brand building and establishing outside relationships with partners. Andy is a sports fanatic, especially when it comes to his passion for the Denver Broncos and Kansas Jayhawks.

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720.283.1722 / Fax 720.283.1726


Location

7901 Southpark Plaza #110, Littleton, CO 80120


Contact

Service@CissInsurance.com


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