Local Fort Collins insurance agency for home, auto, life, and more across Colorado and Wyoming. Real people who answer the phone. Request a free quote.https://covenantinsuranceinc.com/https://covenantinsuranceinc.com/blog/auto-insurance-doordash/https://covenantinsuranceinc.com/blog/auto-insurance-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.Mon, 01 Jun 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/auto-policy-motorcycle/https://covenantinsuranceinc.com/blog/auto-policy-motorcycle/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.Mon, 25 May 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/homeowners-non-renewed-wildfire/https://covenantinsuranceinc.com/blog/homeowners-non-renewed-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.Mon, 13 Jul 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/how-much-life-insurance/https://covenantinsuranceinc.com/blog/how-much-life-insurance/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.Mon, 11 May 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/is-25-50-15-enough/https://covenantinsuranceinc.com/blog/is-25-50-15-enough/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.Mon, 29 Jun 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/my-agency-was-sold/https://covenantinsuranceinc.com/blog/my-agency-was-sold/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.Mon, 27 Apr 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/percentage-hail-deductible/https://covenantinsuranceinc.com/blog/percentage-hail-deductible/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.Mon, 06 Jul 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/renting-out-old-house/https://covenantinsuranceinc.com/blog/renting-out-old-house/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.Mon, 18 May 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/replacement-cost-vs-market-value/https://covenantinsuranceinc.com/blog/replacement-cost-vs-market-value/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.Mon, 22 Jun 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/roof-hail-coverage/https://covenantinsuranceinc.com/blog/roof-hail-coverage/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.Mon, 15 Jun 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/what-is-a-declarations-page/https://covenantinsuranceinc.com/blog/what-is-a-declarations-page/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.Mon, 04 May 2026 00:00:00 GMThttps://covenantinsuranceinc.com/blog/what-is-fire-mitigation/https://covenantinsuranceinc.com/blog/what-is-fire-mitigation/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.Mon, 08 Jun 2026 00:00:00 GMT