Name: Avalue Insurance
Address: 7700 E Arapahoe Rd., Ste. 330, Centennial, CO, 80112
Telephone: 303-773-3332

How Umbrella Insurance Can Help Centennial Residents Avoid Financial Hardship After a Lawsuit

Posted on August 29, 2025August 29, 2025 by admin

Centennial is a community where families and businesses enjoy a high quality of life. However, unexpected events like lawsuits can disrupt financial stability and put your assets at risk. Umbrella insurance offers Centennial residents an extra layer of protection, ensuring they’re covered when liability claims exceed their primary insurance limits. Avalue Insurance helps local residents safeguard their finances with comprehensive umbrella insurance policies. Learn more at Avalue Insurance.

What Is Umbrella Insurance?

Umbrella insurance is a type of liability coverage that goes beyond the limits of your standard home, auto, or other primary insurance policies. It provides additional protection for legal fees, settlements, and judgments in cases where your existing coverage falls short. For Centennial residents, this can be a lifesaver in situations involving costly lawsuits.

Common Scenarios Where Umbrella Insurance Helps

Centennial homeowners and drivers face liability risks every day. Umbrella insurance can protect you in situations like:

Auto Accidents: If you’re found at fault for a major accident, umbrella insurance covers damages that exceed your auto policy limits.
Property Liability: If someone is injured on your property during a backyard barbecue or pool party, umbrella insurance can cover medical expenses and legal fees.
Defamation Claims: Protect yourself from lawsuits related to libel or slander, which are becoming more common in the digital age.

Avalue Insurance works with Centennial residents to customize umbrella insurance policies that address these risks. Visit Avalue Insurance to explore your options.

Why Centennial Residents Need Umbrella Insurance

Centennial’s growing population and active lifestyle mean liability risks are everywhere. Whether you’re hosting a neighborhood event or driving on busy streets like Arapahoe Road, accidents can happen. Without umbrella insurance, a single lawsuit could jeopardize your savings, home, or other assets.

Affordable Protection for Peace of Mind

Umbrella insurance is surprisingly affordable, especially when compared to the financial losses it can prevent. For Centennial residents with high-value assets or significant liability exposure, this coverage is a smart investment.

Get Covered Today

Don’t let a lawsuit threaten your financial future. Contact Avalue Insurance today to learn more about umbrella insurance for Centennial residents. Visit Avalue Insurance to get started and protect your assets from life’s uncertainties.

The 5-Minute Insurance Check-Up You Can Do Right Now

Posted on August 19, 2025August 19, 2025 by Emilie Hagopian

Because peace of mind shouldn’t take all day.

We get it. Reviewing your insurance policy isn’t exactly anyone’s idea of a good time. But what if we told you that you could spot major gaps in your coverage right now, with just five minutes and a few quick questions?

Think of this as a mini check-up — not the full doctor’s appointment, but enough to catch anything that might need attention before it turns into a crisis.

Ready? Start your timers.

1). Has anything in your life changed recently?

New job? New baby? New side hustle? If you’ve had a major life event in the last year, your insurance needs have likely changed, too.

For example:

A new job with a longer commute might affect your auto risk.
A growing family might mean your life insurance coverage needs to be updated.
Starting a business from home might require extra protection on your homeowners policy.

If your policy doesn’t reflect your current reality, you might be underinsured without even knowing it.

2). Could you afford to replace everything in your home out-of-pocket?

If the answer is “no” (and for most of us, it is), then ask yourself: do I have an up-to-date home inventory?

Most people think their homeowners or renters insurance covers everything — until they file a claim and realize their stuff was undervalued or undocumented.

Take five minutes to walk through your house with your phone and record a quick video. Narrate what you’re seeing. It’s not glamorous, but if you ever need to file a claim, future-you will be so glad you did.

3). What’s your deductible — and could you cover it today?

Knowing your deductible ahead of time helps you avoid sticker shock during an emergency. If your deductible is $1,500, do you have that amount set aside?

If not, you might want to talk to your insurance agent about adjusting your deductible or setting up a small emergency fund to cover it.

4). Do you know what’s NOT covered?

Many policies don’t include things like flood damage, mold, or sewer backups — and finding that out after the fact is the worst time to learn.

It’s worth checking:

Do you have loss of use coverage if your home becomes unlivable?
Does your auto insurance include roadside assistance or rental reimbursement?
Is your jewelry or laptop fully covered?

If any of those made you pause, it’s a good time for a quick policy review.

5). When was the last time you talked to your insurance agent?

If it’s been a while (or you’ve never met them), that’s okay — but a real person can help you sort through what matters way faster than reading a 40-page policy.

Want help with your check-up?

At Avalue Insurance, we believe insurance should be understandable, personal, and built around your real life — not just your paperwork. Whether you’re in Colorado, Texas, Arizona, or Indiana, our team is here to help.

Contact us today to request a free, no-obligation insurance review. We’ll help you make sure your coverage still fits your life. Give us a call at 303-773-3332, shoot us an email at info@avalueinsurance.com, or request a consultation right here online!

“We Thought We Were Covered”

Posted on August 11, 2025August 11, 2025 by Emilie Hagopian

A Cautionary Tale from the Thomases

When the laundry room light started flickering, Mrs. Thomas made a mental note to have someone look at it. But with three kids, two jobs, and a dog that hated the vacuum, that mental note was soon buried beneath her ever-growing to-do list.

One week later, while the Thomases were out at a soccer game, a short circuit sparked a small electrical fire. The fire was contained quickly, thanks to a neighbor who had called 9-1-1. But the smoke and water damage made the home completely unlivable. Their entire downstairs was soaked, and the air reeked of melted plastic and scorched drywall.

Still, the Thomases felt relatively calm. They had homeowners insurance. This is why you have it, right?

But when they sat down with their claims adjuster, they made a horrifying discovery:

Their policy didn’t include loss of use coverage.

No hotel reimbursement. No meal allowances. No transportation help. Just the home repairs — nothing more.

Where Do You Go When You Can’t Go Home?

With no coverage for temporary living expenses, the Thomases were left scrambling.

Mrs. Thomas and the kids stayed with her sister in a small two-bedroom apartment. Mr. Thomas took Moose, their anxious golden retriever, to a pet-friendly motel nearly 45 minutes from work. It wasn’t ideal. But it was all they could do.

What started as a minor inconvenience turned into a logistical and emotional mess. The kids missed school because of transportation issues. Mrs. Thomas had to take unpaid time off to juggle pickups and paperwork. Mr. Thomas was exhausted from the commute. And everyone missed their routines — their beds, their dog, their dinner table.

After just two weeks, the family had spent nearly $2,000 on food, gas, and makeshift housing. The worst part? None of it was reimbursable.

“We thought we were covered,” Mr. Thomas sighed. “But we didn’t know what we didn’t know.”

So, What Is Loss of Use Coverage?

The Thomases didn’t know either — until they needed it.

Loss of use coverage, sometimes called Additional Living Expenses (ALE), helps pay for your everyday costs if your home becomes temporarily unlivable after a covered event.

Things like:

Hotel stays or short-term rentals
Restaurant meals or groceries
Laundry and clothing
Pet boarding
Mileage or transportation
Even moving or storage fees

It’s not automatically included in every policy, and when it is, the limits might not be enough for a full family displacement. That’s why it’s so important to talk to a trusted agent about your actual coverage needs, not just your square footage.

Don’t Let This Be Your Story

The Thomases eventually moved back home. Their house looks great. But the stress, financial strain, and months of disjointed living left a real impact.

Don’t let this become your story, next. At Avalue Insurance, we’re not just here to protect your house; we’re here to help protect the life you’ve built inside it.

Let us review your policy, explain what’s covered (and what’s not), and help you fill in the gaps before life throws you a curveball. Because peace of mind shouldn’t be optional.

Request a quote online today or give us a call at 303-773-3332— we’re here to make insurance easier to understand, and easier to trust.

Avalue Insurance

Get a Quote

Month: August 2025