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Aspen Gold Insurance Brokers

8671 Wolff Court #240
Westminster, CO 80031

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What to Do if You Get Stranded in a Winter Storm

No one wants to think of the possibility of being stranded in a winter storm. Unfortunately, the weather does not always cooperate with your travel plans. As the residents of Westminster, CO know, studded tires and chains offer little security when conditions deteriorate rapidly. Let’s talk about how to survive an unexpected night in your car while you wait for help.

Be Realistic

Weather forecasts are available at all hours on television and with multiple weather apps. If you plan on traveling during a potential weather event, you have two choices. You can wait to leave until after the storm has passed, or you can prepare for the worst.

Ready.gov provides information on how to best prepare for emergencies involving winter weather. One of the biggest recommendations is active communication before, during, and after travel. Plan your route ahead of time and stick to that route. This will allow people to alert the authorities in the event things don’t go according to plan. Accurate information increases the chance you will be found before the situation becomes dangerous.

Be Ready

If you choose to travel, be smart about it. Make sure you have a full tank of gas, and keep it at least halfway full. Keep your phone charged and carry a portable power pack. It’s also wise to pack enough water and food to last a couple of days. A few additional items that can help keep you safe include:

  • Rock salt and kitty litter
  • Shovel
  • First-aid kit and necessary medications
  • Flares
  • Flashlight and radio with extra batteries
  • Waterproof matches and candles
  • Blankets or sleeping bags

Worst Case Scenario

Perhaps not the absolute worst, but it’s pretty bad. First, call the authorities and friends or family for help. Stay in your car. It is a make-shift shelter. Run it sparingly to add warmth. Make sure your exhaust pipe stays clear and crack a window to vent potential carbon monoxide build up.

Share body heat with others and make use of extra blankets or sleeping bags. Snack periodically and stay occupied by reading or playing cards. Candles provide light and a bit of heat, so set up a spot they can burn safely. A survival kit may seem extraneous, but it could make the difference in you getting home to Westminster, CO safely.

What is a Home Insurance Adjuster

Home insurance and everything that has to do with it can be difficult if you do not have some basic knowledge on the subject. There are a wide range of people that work for an insurance agency and one that you might come in contact with is the insurance adjuster. The agents with Aspen Gold Insurance Brokers in the Westminster, CO area can help you learn more.

An insurance adjuster is someone that is versed both in the insurance laws and regulations for their area and for the country and is also versed in basic repairs and what it might cost to have something repaired. They can also spot fraud and are obligated to report is back to the agency. An adjuster will visit your home when a claim is made.

The adjuster will work to document and evaluate what has happened to your home and will ultimately tell your insurance agency if they think a payout should be made or not and will tell them specifically what they found. An adjuster is out to make sure that claims are not fraudulent and that they are based in fact.

They are also there to help document claims and help the process along. When you file a claim an adjuster will visit the home or property to hear what happened and to see for themselves and take notes and photos so that they can document what has happened and help move the claim to completion. Adjusters are there to help work as a proxy between those that are being insured and the insurance agency. These agents might also come to your home to help you raise or lower your coverage and in order to help establish your policy. For those in the Westminster, CO area, the agents with Aspen Gold Insurance Brokers can help explain.  

Tips for Making Your Home Kid-friendly

If you have children, it is of the utmost importance that your home be kid-friendly. Fortunately, there are several tips you can follow to make sure your home is friendly for children of all ages. Here is a quick look at three of these tips. 

Tip #1: Add ample storage space for toys

One of the biggest problems families with kids face is having toys everywhere and tripping over them. Whether it be the mom or the child tripping over the toys, this can be very dangerous. A great way to get past this problem is by having ample storage for all toys. Thankfully, today’s furniture is often versatile in that it serves as storage containers in addition to furniture pieces. Take for example an ottoman in your living room. If you invest in an ottoman that opens up, this is a great place to store some of your kid’s toys. 

Tip #2: Add towel hooks that are easy to reach

You do not want your kids jumping up to reach their towels in the bathroom; this can easily lead to an injury. A great way to avoid this issue is by adding towel hooks that are in the reach of your children. 

Tip #3: Create a play space

If you do not have an area in your home that is specifically designated for play, you should really consider adding one. This does not mean you have to add an extra addition onto your home, rather you can simply transform a current area in your home into a play area. 

To learn more about keeping your home kid-friendly, contact Aspen Gold Insurance Brokers serving the Westminster, CO area. 

Fall Home Checklist

Whether you know it or not, you do need to make sure that you winterize your home on a yearly basis.  Fall is the perfect time to do that.  Here is a look at some of the things that you might want to do.

  • You are probably used to hearing the phrase “get your mind out of the gutter”.  Forget that and get it IN the gutter instead.  You need to inspect all of the downspouts and gutters on your home.
  • Button up your house.  Make sure that all of the cracks and gaps around your doors and windows are sealed with caulk and weather stripping.
  • Take care of any roof issues.  Get on the roof and inspect it for curled and/or damaged shingles, leaky vents and flashing that might be corroded.
  • Walk your drive and walkways.  If you have any damaged steps, driveways or sidewalks, take the necessary steps to repair them.
  • Winterize and drain your outdoor irrigation systems and faucets.
  • Make sure that you have your heating system inspected by professionals.
  • If you have a fireplace, hire a chimney sweep to clean any creosote or soot buildup from your chimney.
  • Clean the pads and/or plates on your humidifier to ensure that it operates efficiently.
  • Take care of any gas problems before they start.  If you have heat provided by gas, make sure to get it inspected by a professional.  You also need to make sure that any manufacturer specified maintenance needs to be performed.
  • If you have a wood stove, get it inspected before using it.

For more information and to make sure that your home owner’s policy is up to date, contact Aspen Gold Insurance Brokers in Westminster, CO today.  They are standing by to answer any and all of your questions regarding your insurance and winterizing your home.

How to Winterize Your Home

As winter approaches, it is time to start preparing for the colder blasts of weather.  Is your home prepared?  At Aspen Gold Insurance Brokers, we want our customers to be armed with the knowledge necessary to keep their homes well-protected throughout each season.  This is especially the case during Westminster, CO winters when the temperatures can drop to freezing levels.  Use these tips to make sure your home is ready for winter.

Winterizing the Exterior of Your Home

As the weather cools down you will probably want to utilize your fireplace this season.  Make sure to check the exterior brick and repair any mortar joints that need to be fixed.  Look in the chimney for bird nests of other debris that need to be removed.  While you are inspecting your chimney, you should also examine your roof.  Make sure the flashing around the chimney is in good shape as this is often a source of water leaks.  Have any damaged shingles replaced and clear the gutters of debris.  Clear any debris such as leaves and branches from your yard and make sure to winterize your sprinkler system.  Drain and disconnect water hoses too.

Winterize the Interior of Your Home

Keeping the inside of the house warm is a must during a Westminster, CO winter.  Make sure that the insulation in your attic is in good shape.  If any ceiling joists are visible, then you will need additional insulation.  Test both your smoke and radon detectors and keep a supply of extra batteries on hand.  Keep cold air from seeping through your windows by caulking them.  Check around your doors to see if the weather stripping needs to be replaced.  Also, it is a good idea to get your furnace inspected and cleaned. The agents at Aspen Gold Insurance Brokers hope that by carrying out these simple tips your home will be in good shape and ready to go this winter.  

Commericial Insurance Checklist

When you’re looking for commercial insurance from Aspen Gold Insurance Brokers, there are a few aspects to consider. It helps to create a commercial insurance checklist to ensure you have all the insurance you need. You’ll feel more at ease knowing you’re covered, even if the law doesn’t require you to have commercial instance. 

1. General Liability

Unfortunately, your business may be at fault for a fall or something that affects another business or party. Even though you may not have intentionally meant for the incident to occur, your business will still need to compensate anyways. If you don’t have commercial insurance to protect your business, you become personally responsible for the charges, in particular if your business isn’t a limited liability company. The expenses of a lawsuit could range from a few hundred to over $100,000. You obviously don’t want to have to pay that, and if neither the company or you have the money personally, you could lose your entire business and be forced to file bankruptcy. You want the policy to cover enough that the remaining expenses won’t exceed what you can afford. 

2. Property Coverage 

If your property gets destroyed, it could harm the aesthetic appeal of the outside of your business. It could harm the function of your company as well, which could potentially hurt your profit. Keep in mind, if anything affects your business in a way that it causes you to shut down even for a few days, you’re losing money. If you don’t have enough insurance to make the repairs, you may have to shut down totally. Property insurance is especially important for those who rent their properties. In fact, the owner may require you to have it. 

3. Necessary Insurance

While property and liability are important insurance coverage to have, they’re not required by law. They may, however, be required by whoever you took a loan from or whoever is the owner of the property you rent. Make sure you inquire with these individuals before you develop a policy.

To learn more about commercial insurance coverage to benefit your business, contact Aspen Gold Insurance Brokers in Westminster, CO at 720-600-7470 today.

Why Your Entire Family Needs Life Insurance

When it comes to life insurance, many people find it difficult to have a conversation about it. Life insurance is a sensitive topic because it forces you to face the idea that you are a mortal being. No one really wants to consider the idea of their death, but it’s a necessary conversation. In fact, your entire family should have a conversation about why everyone needs life insurance.

Primary Breadwinners Must Have Life Insurance

If you are the primary breadwinner in your household, then it’s obvious why you need life insurance—to replace your income in the event of your death. If your family can’t rely on your income, then they may not be able to sustain themselves financially. By purchasing a substantial life insurance policy, you ensure they can make ends meet in your absence.

Spouses that Don’t Work Need Life Insurance Too

Typically, many families only consider purchasing life insurance for the breadwinner, but stay at home moms, and dads need life insurance as well. If the stay at home mom or dad becomes deathly ill, some life insurance policies will help cover the cost of medical bills. This feature is called the accelerated death benefit, and many chronically ill people who have life insurance find it helpful to cover the cost of medical expenses.

Children Should Have Life Insurance as Well

Although your children may not be in the forefront of your mind when it comes to purchasing life insurance, you should purchase coverage for them as well. Life insurance is cheaper when you purchase it young, which can save money years down the road. Additionally, life insurance policies for children are often convertible, allowing them to maintain the coverage you purchased for them after they’ve started their families.

At Aspen Gold Insurance Brokers, in Westminster, CO, we offer life insurance products for your entire family. To find out more about the life insurance policies we offer, we recommend that you visit our website today.

3 Ways to Keep Your Kids Safe on The Water in Westminster, CO

Boating with children presents several challenges when it comes to safety. Naturally curious yet innocent, children sometimes participate in behavior that may cause them harm. Basically, they have no fear. They will try anything once, which can be hazardous while on a boat. That’s why it’s vital for you to protect your kids while boating this summer. Following are three ways to keep your kids safe on the water in Westminster, CO. 

Use Safety Equipment

Make each child wear a properly-fitted life vest at all times, even when the boat isn’t moving. Make sure there are plenty floating rescue devices on board in the event that someone were to fall overboard. Also, keep a working fire extinguisher on the boat at all times.

Always think outside the box when it comes to safety as well. Keep sunscreen on board that has an SPF value of 40 or greater. Apply it every couple of hours. Also, make sure that all food on board stays a safe temperature by using proper food storage.

Teach Boat Rules

Make and enforce boating rules. For example, have a no-running, no-jumping policy. You may also want to make other rules, such as no standing on the seats. If a child breaks a rule, make sure there are consequences. 

Consult Insurance Policy

In the awful event that your child were to get injured on an outing, you want to be covered fully. While the state requires basic coverage, it might not be enough to protect your loved ones fully. Consult your insurance policy to see how much coverage you really have. If you have any questions or feel like you need more coverage, talk to your insurance agent or Aspen Gold Insurance Brokers before putting your boat in the water. 

 

Ways To Make Packing Easier

Everyone hates packing. It is a fact of life. People also hate unpacking. Although, we all love moving to a new and better place. There is no way to magically pack everything up without lifting a finger, but there are some ways that you can make the entire process easier on yourself. The best way to do that is by planning ahead and taking the time to pack everything in an organized way. This will make unpacking and the moving process easier for everyone. Use these tips to do just that. When you are ready to move into your new home, be sure to contact us at Aspen Gold Insurance Brokers for all of your insurance needs. 

  • Color code all boxes. This may seem silly but you will be so thankful for it when you are unpacking. Color code all of your boxes based on the room they go in. When you move it, place those boxes in the corresponding room. Then everything you need for that room will be in there when it is time to unpack. 
  • Label your boxes and take inventory. When you are packing, make sure you take the time to label your boxes and take an inventory. Then, you will know where everything is at all times and if you need to find something, you can go straight to the box that has the item you are looking for. This will save time when you are unpacking and make your life a lot less stressful. 
  • Pack a first night box. After moving, you will want to unpack but you will need some basic items. Make sure you pack everything you need in a first night box so you can easily find it and rest nicely on your first night, without unpacking everything. 

Dodge the Pavement

Driving can seem more like a chore than the joy it is when you only have the straight path of the highway or the cluttered roads of a city. To stave off that urge to scream at other drivers, get the keys to a vehicle that can take you to new places.

Cross Your Fingers and Start Your Motors

Nothing quite compares with the feeling of soaring fifty feet in the air on the back of a dirt bike, the ramps of mud and nearby trees looming below you. You’ll likely want to use a premade course to get the best experience, but it’s nothing like your weekday commute.

Take over the Desert in a Dune Buggy

The tumultuous mounds of pale golden sand sit untouched in front of you under the baking heat of the sunlight streaking through a pure blue sky. You sit on top of an engine strapped to a wheeled cage and accelerate over the waves, sending the shimmering grains behind you as your wheels leave behind the only marks on the untouched desert. That’s what it’s like to spend a weekend at the wheel of a dune buggy

Which Terrain?

Forests? Deserts? Mud? Mountains? Snow drifts? All of the terrain is an option when you’re on the back of an ATV. They may not go quite as fast as a buggy or fly as high as a dirt bike, but no ride is better at conquering the wilderness in whatever form it comes.

Keep Safe On and Off the Road

Whatever type of vehicle you happen to choose, you should call Aspen Gold Insurance Brokers and ask for a quote about protecting your source of adventure and freedom from the perils that you’ll face on the path less taken.