June 17, 2026
AgencyWhat Is Loss of Use Coverage and When Does It Apply?
Unexpected events such as wildfires, hail or plumbing issues may make a Colorado home temporarily unlivable. Loss of use coverage, also known as additional living expenses (ALE), can help cover related costs. can help you understand how this coverage works. What Is Loss of Use Coverage? Loss of use coverage is a component of most homeowners insurance policies that can help pay for extra living expenses if your home […]
May 27, 2026
AgencyWhat’s the Difference Between Replacement Cost and Actual Cash Value?
Understanding your home insurance options is essential to choosing coverage that aligns with your current financial situation. One of the most important decisions you’ll face is whether to insure your home and belongings for replacement cost or actual cash value. Here’s what you need to know about these two coverage types. What’s the Difference? When it comes to home insurance, the way your property is valued […]