Straight answers

Insurance, explained.

Helpful tips and updates on protecting your home, car, and family in Northern Colorado. Every post answers one question a real person asked.

Jul 13, 2026
Why did my homeowners insurance get non-renewed for wildfire?
Your carrier re-scored the wildfire risk on your property and the new score came back too high, which is not about anything you did and is usually fixable.
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Jul 6, 2026
What is a percentage hail deductible and do I have one?
A percentage hail deductible is a share of your dwelling limit instead of a flat dollar amount, and your declarations page will tell you which kind you have.
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Jun 29, 2026
Is 25/50/15 enough car insurance in Colorado?
For most drivers, no, because Colorado's minimum liability limits run out well before the real cost of a serious accident does, and whatever exceeds them comes from you.
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Jun 22, 2026
Replacement cost vs market value: which number is on my policy?
The dwelling limit on your policy is a replacement cost number, meant to rebuild the house at current prices, and it can sit far from what the house would sell for.
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Jun 15, 2026
Does my homeowners policy cover my roof after hail?
Almost certainly yes, but the size of the check depends on your deductible type, whether the roof is settled at replacement cost or actual cash value, and any cosmetic exclusion.
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Jun 8, 2026
What does fire mitigation actually mean, and does it lower my premium?
Fire mitigation is the work of making your house harder to ignite, and while it can earn a discount, its bigger financial effect is keeping your house insurable at all.
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Jun 1, 2026
Does my auto insurance cover me driving for DoorDash?
On most personal auto policies, no, you are not covered while you are logged into a delivery or rideshare app unless you added coverage for that work.
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May 25, 2026
My auto policy doesn't cover my motorcycle. Why not?
An auto policy only covers the vehicles listed on it, and a motorcycle needs its own policy, ideally one that also accounts for anything you added to the bike.
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May 18, 2026
I'm renting out my old house. Do I need different insurance?
Yes, a house with a tenant in it needs a landlord policy, because a homeowners policy is written for a house you live in and may stop covering one you rent out.
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May 11, 2026
How much life insurance do I actually need?
For most people the answer is term insurance, held for about as long as the mortgage and the kids at home, and usually less of it than they have been told.
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May 4, 2026
What is a declarations page and where do I find mine?
A declarations page is the short summary at the front of your policy, usually the first page or two, listing who is insured, what is covered, your limits, your deductibles, and your premium.
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Apr 27, 2026
My agency was sold. What happens to my policy?
Nothing happens to your policy when an agency sells, because your policy, your coverage, and your renewal date are a contract with the carrier, not with the agency.
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Insurance, explained.

Why did my homeowners insurance get non-renewed for wildfire?

What is a percentage hail deductible and do I have one?

Is 25/50/15 enough car insurance in Colorado?

Replacement cost vs market value: which number is on my policy?

Does my homeowners policy cover my roof after hail?

What does fire mitigation actually mean, and does it lower my premium?

Does my auto insurance cover me driving for DoorDash?

My auto policy doesn't cover my motorcycle. Why not?

I'm renting out my old house. Do I need different insurance?

How much life insurance do I actually need?

What is a declarations page and where do I find mine?

My agency was sold. What happens to my policy?