Spring Maintenance Tips To Perform While Getting Used To Daylight Savings Time Changes

Monday, March 17th, 2014

Most people are still trying to get used to Daylight Savings Time and losing an hour to their day. Yet they also have lots to look forward to with the coming of spring.

Longer days and warmer temperatures await. People can also start getting their yearly spring maintenance done for their home so they can enjoy the great outdoors more. Some common maintenance tips you may want to complete this year:

Testing smoke alarms and CO detectors. You might have already heard the chirps starting from the smoke detectors as the batteries begin to die. While changing out the batteries, you should also test the smoke detector and CO detectors to make sure they are in good working order.

Perform appliance maintenance. You should get spring maintenance on your furnace and air conditioning unit at this time. It is also a good idea to have all the filters changed for both HVAC systems as well as for your refrigerator, dishwasher, air purifiers and vacuums. Don’t forget to drain the water heater to flush out the built-up sediment.

Get rid of old medication. Some medications can actually be harmful to you if they are taken after the expiration date. They also start to lose their effectiveness. Look at the dates on all prescription and over-the-counter medications in the house and toss anything old away.

For more information about personal and business insurance in Colorado and Texas, please contact Warrior Insurance and Services Group located in Monument at 719-425-2121.

Do You Have An Uninsured Home?

Friday, January 24th, 2014

If you own a home, you most likely have insurance on it. But do you have enough insurance? Many people don’t realize they are underinsured until it is too late. Here are some tips to get the best coverage on your home. 

Do Not Go Cheap

When you are buying homeowners insurance, you cannot afford to go cheap. Tell your insurance agent that you want the best possible coverage you can buy.

Get Disaster Coverage

You should definitely consider getting disaster coverage because floods and earthquakes are usually not covered under a typical homeowner’s insurance policy. You just never know when a serious disaster will hit your area.

Look At the Loss of Use

It is important to check out the loss of use policy before buying a home insurance policy. If your home needs rebuilt, your insurance policy should give you money to pay your rent for two years. 

For more information about homeowners insurance in Colorado or Texas, contact Warrior Insurance and Services Group.

The Facts About Renters Insurance

Monday, January 20th, 2014

If you are like a lot of renters out there, you might not realize the importance of carrying renter’s insurance. The truth is that renter’s insurance is more important than you think. Here are some important questions that are commonly asked about renter’s insurance.

What Does It Cover?

A typical renter’s insurance policy covers personal property protection, reimbursed living expenses, liability protection and guest medical protection.

Do I Need Insurance If I Don’t Own Any Expensive Things?

Even if you don’t own the most expensive jewelry or electronics, your belongings still mean something to you. If someone robbed your home or a fire broke out, you would not have these items anymore. 

What Exactly Is Personal Liability Insurance?

Personal liability insurance is usually included in a renter’s insurance policy and can protect you if someone gets injured in your home. If you have renters insurance, you will not have to pay for the damages out of your own pocket.

For more information about renter’s insurance in Texas or Colorado, contact Warrior Insurance and Services Group

Important Home Maintenance for Fall

Wednesday, October 23rd, 2013

Fall is a good time to inspect your home and do necessary maintenance to prepare for cooler weather. The following offers some maintenance tips to put your house in order for the season.

  • Clear gutters of fallen leaves and twigs and unblock drainage areas so water can flow freely when it rains or snows
  • Replace old, worn wood around windows and doors and add weather-stripping to keep out the cold.
  • Check your roof for cracked shingles or wear and tear. Repair any damage in preparation for winter snows. 
  • Depending on your budget and need, autumn is an opportune time to repaint the outside of your home.
  • Clean out your fireplace and chimney and do any needed repairs
  • Clean or replace the filters on your heating system or furnace. If necessary, hire a HVAC professional to service your furnace or gas heater.
  • Insulate water pipes by wrapping with heating tape to keep them safe from freezing.
  • Check the insulation on your home to ensure you are well prepared for cold weather. 

Keeping your home well maintained and in good condition can help reduce your homeowners insurance costs. For more information on home maintenance or homeowners insurance in the Colorado or Texas region, contact Warrior Insurance.   

Fire Safety Tips: Preparing As A Family

Tuesday, October 15th, 2013

During Fire Prevention Week firemen and insurance agents attempt to make homeowners aware of the damage that can be caused by fires. In October, brochures are containing fire safety tips are handed out in schools and various agencies to encourage everyone to recognize the need to reduce the risk of fire.

Teaching fire safety tips to your family will ensure they have the right tools to protect themselves in case a fire breaks out. As a family, create and practice using an evacuation plan. Teach every child how to dial 9-1-1 and make sure they know their address and the name of every family member.

Never leave burning stoves, space heaters, or lit candles unattended. Check electrical cords for signs of fraying or wear, and repair or replace any to prevent an electrical fire.  While you’re at it check all smoke detectors and replace their batteries.

Warrior Insurance and Services Group serve both Colorado and Texas. Residents in those two states who have questions about fires safely and what they can do to reduce their risk should call the staff at Warrior. In some cases, having an approved fire safety plan can save you money on your homeowners insurance.


Are Plumbing Leaks Covered By Home Insurance?

Monday, August 5th, 2013

The loud crack sound of a busted pipe is not the type of thing you want to hear first thing in the morning while you are taking a shower. Yet plumbing problems can happen anytime, and they can cost a lot of money to repair. One question you may have as a homeowner is whether your home insurance covers plumbing leaks?

Put aside your worries. Most home insurance will cover plumbing problems so long as you report it to the insurance company as quickly as possible. You will have to check out your insurance policy to see what type of coverage you have. All policies will be different, but you may find the following items covered:

  • Cost of tearing out the wall to fix the leak
  • Water damage
  • Mold removal and repair
  • Cost of repairing the wall

The actual repair of the leaking pipe may be the only thing that won’t be covered by the insurance policy. Review your policy with your agent to find out all the details. Most policies will cover sudden accidental plumbing leaks. Only a few will provide coverage for leaks that have been long term.

To find out more about home insurance and basic coverage, please contact Warrior Insurance for your needs.

Consider Insuring Your Fine Art

Wednesday, July 31st, 2013

When you keep expensive pieces of art in your home, it is a good idea to protect those items with the appropriate insurance coverage. Homeowners insurance may provide some simple protections for your personal property, but it may not provide enough if your pricy paintings, statues or other works of art are damaged or stolen.

Make an Inventory of Artwork

Before you get coverage for your pricy paintings, sculptures or other artistic items, make an inventory. Take pictures of each item you want to insure and get appraisals for the value. The pictures and appraisals provide proof of the current value of the items. Keep the pictures, appraisals and other documents in a safe place away from your home, such as in a bank’s safe deposit box.

Obtain Coverage

You have two options available to protect your works of art: add them to your homeowners policy or get a separate insurance. Adding it to your homeowners policy may be enough if you have a limited collection, but you should consider separate coverage if you have several pricy items.

Getting the proper coverage for your personal belongings requires more than the basic homeowners policy. To learn more about keeping your pricy artwork safe in Monument, contact Warrior Insurance.

Expert Advice on Insurance. Is your Home Properly Insured?

Friday, July 26th, 2013

When it comes to getting the proper insurance for your home, it is important to understand the potential risks you may face. In the state of Colorado, the proper coverage will need to focus on items that you may overlook when you first obtain coverage.

Reviewing the Policy

The first part of obtaining the right coverage is reading through your policy. Advice from experts always suggests that you find out about the protections you already have so that you can make appropriate changes to counter other risks that may be missing. In Colorado, you will want to make sure your home coverage has avalanche protection and earthquake protection.

Making Changes

If you discover that your policy does not protect you from the common risks you may face, then it may be necessary to make changes. Identify the elements that are missing and then talk to your insurance provider to see about protecting your home from the damage you may face.

Keeping your financial asset safe is the entire purpose of insurance. If you do not have the right coverage, then you are not protected when the unexpected occurs. To learn more about protecting your home in Monument, contact Warrior Insurance.

Causes of Homeowner’s Insurance Losses

Friday, May 3rd, 2013

Your homeowner’s insurance policy covers a lot with its benefits. It will pay out for many things related to the home for a wide variety of perils. Here are some things that your homeowner’s policy will cover in the event that you have a question about coverage.

Perils Your Homeowner’s Policy May Cover

  1. Thunderstorms present several ways that your home can be damaged. Excessive rainfall, hail, lightening strikes and high winds are just a few ways you can suffer an insurance loss.
  2. Earthquakes are another way your home can be damaged. An earthquake can happen just about any place. Make sure your policy covers for this peril.
  3. Vandalism is a big problem for many homeowners. All it takes is a person walking by your home to take 30 seconds to damage your property.
  4. Every few seconds in the United States a person falls victim to theft. Your home policy might just be the thing to cover any losses that you may suffer.

For more information about your home policy in the Colorado Springs area, please contact Warrior Insurance and Services Group. They can help determine if your insurance policy is ready to handle the many sources of losses that you can experience. They can also help get your policy ready to meet your needs and they can answer all your questions.

A New Way of Conducting a Home Inventory

Monday, April 29th, 2013

As a homeowner, it’s always a good thing to have a home inventory. A number of things could take place; you never know when you’ll really need it. Being able to put your hands on your list will come in handy when you’re facing a natural disaster, break-in, or even if you’ve decided to move to a new location. Knowing what you have will make getting what you need a lot smoother. A home inventory also allows you to assess the value of your items in an efficient way. There’s a new, effortless way to conduct a home inventory. Know Your Stuff is a free, online home inventory tracking program that makes the task of creating a home inventory a little bit easier. Accessible from any computer, you can update your information as soon as you have added or gotten rid of household items. The easy-to-use interface has guided instructions that are easy to follow and is very thorough, giving you real-time records, insurance information and more, all in one location. For more information about insurance and conducting a home inventory in the Colorado area, contact the Warrior Services and Insurance Group.