During winter, homeowners face the dreaded possibility of frozen pipes. When water freezes inside pipes, it expands, leading to cracks or bursts, causing significant damage and inconvenience. By implementing preventive measures and taking prompt action, you can reduce the risk of frozen pipes or effectively manage the situation should it arise.  How to Prevent Frozen Pipes  Use the following tips to prevent frozen pipes:  Insulate your pipes. Insulation sleeves or wrapping materials can be easily found at hardware stores and are simple to install. Concentrate on insulating pipe ..read more

Denver, renowned for its stunning views and first-rate breweries, may not immediately evoke images of flood-ravaged streets or inundated neighborhoods. While the Mile High City may not face the same risks as coastal regions, its unique geographical and meteorological characteristics make flood insurance a vital investment for residents and businesses. Do Denver Homeowners Need Flood Insurance? Nestled at the foot of the Rocky Mountains, Denver’s topography presents its own challenges when managing water flow. Sudden downpours, rapid snowmelt and flash floods pose significant risks to properti ..read more

When you’re in your 20s or 30s, you’ve hardly had time to adjust to your independence and the responsibilities that go along with it. Life insurance is probably the last thing on your mind, and it might even seem frivolous to you if you aren’t married or if you don’t have children.  The fact is that at this stage of life, most of us expect to have a long life ahead of us. But that one fact alone isn’t enough reason to put off buying life insurance. There are good reasons to seriously consider buying life insurance before you reach an age when you expect to have an increased need for it ..read more

Insurance premium increases, also called premium rate hikes, have become a concern for policyholders across various insurance sectors. From auto and home insurance to health and business coverage, the cost of insurance is rising. Below are some of the factors that contribute to increased insurance costs. Risk Assessment and Claims History One of the primary factors influencing insurance premium increases is risk assessment. Insurance companies base their rates on statistical data and historical claims information. If certain types of claims, such as natural disasters or accidents, become more ..read more

Condos or townhomes are unique homes, offering many benefits for non-traditional homeowners. However, unlike traditional houses, condo owners are only accountable for the interior of their units. The condo or townhome association is typically responsible for the roof and exterior of the buildings, grounds and common areas like elevators, recreational spaces, outdoor spaces, and hallways, which they protect through a master insurance policy. And even though the association purchases the master insurance policy, they usually share the cost with condo owners through recurring fees. What Protectio ..read more

Many college students live off-campus, renting apartments they sometimes share with roommates or live in alone. Today’s students often keep various forms of technology in their apartments. Laptops, phones and other electronic devices are prized by thieves seeking opportunities to steal. Protecting these belongings and other prized possessions they may have in their rental is vital to a student’s livelihood. Renters insurance gives students the protection they need for their belongings. Do I Need Renters Insurance? Although students may rent their homes, they’re still responsible for what happe ..read more

Commercial property insurance may help a business recover from unexpected incidents that result in property damage. Without commercial property insurance, a single event (e.g., a fire) could leave it with significant financial losses and put it at risk of bankruptcy or closure. What Does Commercial Property Insurance Typically Cover? While specific coverage may vary depending on the policy and insurer, commercial property insurance typically covers the following business-related assets: • Physical building or workspace • Equipment and tools • Furniture • Fixtures • Inventory • Electronics Com ..read more

Flood insurance is a type of property insurance designed to help provide coverage for damages due to flooding. Contact J J Insurance in Denver, Colorado, to learn more about your flood insurance options. Why Is Purchasing Flood Insurance Important? Standard home insurance policies may include various coverages. Floods are considered a “vis major” event in many places, which means the damage or destruction caused by them is not covered under standard property insurance policies. If you have concerns about potential flooding or own property located in an area prone to flooding, it’s crucial to p ..read more

Mountain driving can be much different than driving through flatter areas of the country. Steep inclines, tight switchbacks and altitude can present unique challenges, especially for inexperienced drivers. Here are a few things to keep in mind as you drive through the Colorado mountains: • Keep your speed low. Slower speeds help you stay in control of your vehicle. Never travel down a mountain faster than you can go up it. • Watch your vehicle’s temperature gauge. If your car overheats, pull over as quickly and safely as possible. Turn your car’s heat on full blast and call someone for help. N ..read more

Insurance provides crucial financial protection for individuals and families. Appropriate insurance coverage can help cover your personal liability and help protect valuable property. While many people rarely think about their insurance coverage, reviewing your policies and any relevant changes to your situation may impact the coverage you need. Contact JJ Insurance in Denver, Colorado, today to get help reviewing your coverages. What Is a Policy Renewal? Insurers typically issue auto, home and business insurance policies for a specific time, known as a policy term. Generally, personal insuran ..read more