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

Pet-Proof Policies: What Homeowners and Renters Need to Know About Insurance

Posted on June 30, 2025June 30, 2025 by Emilie Hagopian

Your dog may be your best friend, but he’s not your landlord’s. Just ask the renter whose golden retriever turned on the tub faucet while chasing a toy and flooded three apartments!

Pet damage is a lot more common (and expensive) than many homeowners and renters realize. From scratched-up hardwood floors to waterlogged ceilings, our furry companions can leave more than just paw prints behind. Understanding how (and when) your insurance policy steps in is essential for anyone with a pet at home.

So, does your insurance cover pet damage?

The short answer: it depends.

For Homeowners

Most standard homeowners insurance policies include liability coverage for pet-related incidents involving others. If your dog bites someone or knocks over a neighbor’s expensive electronics, your policy will likely help cover medical bills or property damage. However, if your own dog chews through your drywall or floods your living room, that’s usually considered damage to your own property — and it’s not covered.

In other words, your homeowners policy will help if your pet damages someone else’s property, but not if they destroy your own.

For Renters

Renters insurance also includes liability protection. If your cat knocks over a candle and damages a neighbor’s unit, your policy may kick in. But, like homeowners policies, renters insurance typically doesn’t cover damage to your own belongings caused by your pet. So, if your puppy tears through your new couch, that cost is likely coming out of your pocket.

Many landlords now require renters to carry insurance — and if you have a pet, they may also require a separate pet deposit or even specific pet liability coverage. This varies from lease to lease, so it’s always a good idea to ask and get clear in writing.

What Can Pet Owners Do?

Here’s how to stay ahead of potential pet problems:

Review your policy. Look specifically at liability coverage and any exclusions related to pets.
Consider pet liability insurance. Especially if your pet is large, high-energy, or has a track record of chaos.
Talk to your landlord. Understand what their insurance covers and what they expect you to carry.
Keep documentation. If you do end up filing a claim, photos of the damage and a clear record of what happened will help speed the process along.

At Avalue, many of us are pet owners ourselves. We know firsthand how much joy pets bring to our lives. But we also know that accidents happen—and when they do, you want the peace of mind that comes from knowing you’re covered.

That’s why we offer comprehensive home insurance solutions. We’ll help you understand what’s covered, what’s not, and how to fill in the gaps so you’re not caught off guard when your four-legged friend gets a little too curious.

Not sure what your current policy includes? Let’s talk. We’re happy to review your coverage with you and help you find a home insurance policy that works best for you and Fido. Give us a call at at 303-773-3332, email us at info@avalueinsurance.com, or request a consultation right here online!

The Top Home Insurance Claims in Centennial: What Every Homeowner Should Know

Posted on June 25, 2025June 25, 2025 by admin

Centennial, CO, is a beautiful place to call home, with its stunning views of the Rocky Mountains and vibrant community. However, like any area, it comes with its own set of risks for homeowners. From hailstorms to plumbing leaks, Centennial residents face challenges that can lead to costly repairs. Understanding the most common home insurance claims in Centennial can help you prepare for the unexpected and ensure your property is protected.

1. Hail Damage

Colorado is known for its unpredictable weather, and Centennial is no exception. Hailstorms are a frequent occurrence, often causing significant damage to roofs, siding, and windows. Even a brief hailstorm can leave dents, cracks, and leaks that require immediate attention.

Home insurance typically covers hail damage, but it’s important to document the damage and file a claim promptly. Regular roof inspections and maintenance can also help minimize the impact of hailstorms on your home.

2. Water Damage

Water damage is another common issue for Centennial homeowners, often caused by plumbing leaks, burst pipes, or appliance malfunctions. A small leak can quickly escalate into a major problem, damaging walls, floors, and personal belongings.

Most home insurance policies cover water damage caused by sudden and accidental incidents, but they may exclude damage from gradual leaks or poor maintenance. To protect your home, consider installing water sensors and regularly inspecting your plumbing system.

3. Fire Damage

While Centennial is not as prone to wildfires as other parts of Colorado, fire damage remains a significant risk for homeowners. Fires can start from cooking accidents, electrical issues, or even lightning strikes during storms.

Home insurance typically covers fire damage, including repairs to your home’s structure and replacement of personal belongings. To reduce your risk, install smoke detectors, keep fire extinguishers on hand, and create a fire evacuation plan for your family.

4. Theft and Vandalism

Centennial is a safe community, but no area is completely immune to theft or vandalism. Break-ins and property damage can leave homeowners feeling vulnerable and result in costly repairs or replacements.

Home insurance can provide coverage for stolen items and vandalism-related repairs. To protect your home, consider installing a security system and ensuring all doors and windows are properly secured.

5. Liability Claims

Liability claims are often overlooked but can be financially devastating. If someone is injured on your property—such as slipping on an icy driveway—you could be held responsible for their medical expenses and other damages.

Home insurance includes liability coverage to protect you from these claims, but it’s important to take preventative measures, such as clearing walkways and addressing potential hazards around your home.

Real-Life Examples from Centennial Residents

At Avalue Insurance, we’ve helped many Centennial homeowners recover from unexpected events. One family faced extensive roof damage after a hailstorm, but their home insurance policy covered the repairs, allowing them to restore their home quickly.

Another homeowner experienced water damage from a burst pipe during the winter. Thanks to their insurance coverage, they were able to replace damaged flooring and furniture without financial strain.

Partner with Avalue Insurance

Homeownership in Centennial comes with its challenges, but you don’t have to face them alone. At Avalue Insurance, we specialize in helping Centennial residents find the right home insurance coverage to protect their properties. Visit our blog for more insights, or contact us today to learn how we can help safeguard your home.

Don’t wait until disaster strikes—get the coverage you need to protect your home and enjoy life in Centennial with confidence.

Is Your Insurance Ready for Summer?

Posted on May 30, 2025May 30, 2025 by Emilie Hagopian

You’ve booked the flights, packed the bags, and even remembered to water the plants before leaving town (go you!). Whether you’re off for a two-week beach vacation or heading south for the season, there’s nothing quite like the feeling of a good old fashioned summer vacation.

But here’s a friendly reminder: taking a break doesn’t mean you’re immune to risks, and life can still happen even while you’re on vacation.

While you’re away relaxing, life keeps moving back home — and unfortunately, so do potential risks. From frozen pipes to break-ins or even liability issues, things can go sideways when no one’s around to notice. So, before you hop on that plane or head off in your RV, here are a few insurance tips to keep your peace of mind packed right next to your flip-flops.

1). Check Your Home Insurance Before You Leave

If your house is going to be empty for a while, especially for long-term travelers or snowbirds, make sure your homeowners insurance covers extended absences. Some policies have time limits, and certain coverages may be limited if the home is unoccupied.

Quick tip: Let your agent know how long you’ll be gone and ask if you need an endorsement for a vacant or unoccupied home.

2). Update Your Auto Insurance (Even if You’re Not Driving)

If your car will be parked in the garage while you’re away, you might be tempted to cancel or reduce your auto insurance. But hold up! If your vehicle is still registered or financed, dropping coverage could cause headaches (or even penalties).

Instead: Talk to your agent about switching to a “comprehensive-only” policy while it’s in storage. It can still protect your car from theft, fire, or weather damage without paying for unnecessary liability coverage.

3). Snowbirds: Don’t Assume One Policy Covers Two Homes

Owning homes in different states? That’s awesome! But you’ll want to make sure both properties are properly insured, especially if one sits vacant for part of the year. Insurance requirements (and risks) can vary depending on location, climate, and time of year.

Pro tip: Work with an independent agent who can help coordinate your coverage across multiple properties and states.

4). Consider Umbrella Insurance for Extra Protection

Because what summer vacation is complete without a good umbrella?

When you’re away, accidents can still happen. And if something goes wrong, your standard liability coverage might not be enough. That’s where umbrella insurance comes in. It provides additional protection beyond your home and auto policies, covering things like major accidents or lawsuits.

Why it matters: If someone slips on your icy sidewalk while you’re out of town, or you’re held liable for damages that exceed your policy limits, umbrella insurance helps pick up where your other policies leave off.

5). Let Someone You Trust Check In

This one’s not exactly an insurance policy, but it might as well be: have a neighbor or friend check on your home while you’re away. Not only can they catch any small issues before they turn into big ones, but some insurance policies even require regular check-ins to maintain full coverage!

Let Us Help You Enjoy Your Summer

Vacations are for relaxing — not worrying about what could go wrong back home. With the right insurance coverage and a little planning, you can fully enjoy your time away knowing you’re protected.

Ready to talk insurance? Get in touch with us today before you hit the road or runway! We’ll make sure you’re fully covered so you can enjoy your summer vacation to the fullest. You can give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a consultation right here online!

Top 5 Things Colorado Homeowners Forget to Insure

Posted on April 22, 2025April 22, 2025 by Emilie Hagopian

Let’s be honest. Home insurance can be a little… boring. And it’s not something we think about every day — until something goes wrong and we wish we’d paid a little more attention. The truth is, most homeowners have coverage for the big stuff (your house, your roof, maybe even your favorite couch), but there are a few sneaky items and situations that often slip through the cracks.

Here are five things that Colorado homeowners commonly forget to insure — and how to make sure you’re not caught off guard when life throws a curveball.

1). Your Favorite Jewelry

Most home insurance policies cover personal belongings, but high-value items like jewelry, watches, and collectibles often have coverage limits. So, if you’ve got a sparkling engagement ring, grandma’s antique necklace, or a custom piece from a Colorado artisan, you’ll want to ask about adding extra coverage for those high-value items. We recommend insuring them on a separate personal articles policy rather than adding them to your homeowners insurance.

2). Your Home Office Setup

Since the work-from-home world exploded, we’ve seen an uptick in people with expensive tech setups — dual monitors, ergonomic chairs, high-end laptops. If you’re running a business from your basement or just have a killer setup for Zoom calls, don’t assume all that gear is automatically covered. Business property in the home often needs special attention in your policy.

3). Detached Structures

Detached garages, sheds, and workshops are common in many Colorado homes — especially in places with more land, like Falcon or Black Forest. But guess what? That gorgeous shed you spent your summer building might not be fully covered unless your policy specifically lists it. Same goes for fences, gazebos, and even tiny greenhouses.

4). Sewer Backup and Flooding

In Colorado, we might not get hurricanes, but heavy rain, flash floods, and even snowmelt can cause some major headaches. Standard home insurance policies typically do not cover flood damage or sewer backups — and trust us, nobody wants to deal with a basement full of water (or worse).

Groundwater entering your basement is typically excluded from coverage.

That means if water seeps in through the foundation, walls, or floor due to heavy rain, melting snow, or rising groundwater, your homeowners policy likely won’t pay for the damage.

This type of water intrusion is usually considered a maintenance issue, not a sudden and accidental event, which is why it’s not covered under standard policies. Adding flood or sewer backup coverage is usually affordable and totally worth it.

5). Your Liability for What Happens on Your Property

If your friend slips on your icy driveway in the winter or your dog decides to play linebacker when the mail carrier shows up, you could be held liable. Liability coverage is included in most policies, but the default limits might not be enough if things get serious. It’s worth reviewing, especially in Colorado where weather and wildlife keep us on our toes year-round.

Don’t Let a Gap in Coverage Catch You Off Guard

Home insurance isn’t just about checking a box; it’s about protecting the life you’ve worked hard to build. At Avalue Insurance, we help Colorado homeowners take the guesswork out of coverage. Whether you’re in Denver, Colorado Springs, or anywhere in between, we’ll help you review your policy, identify potential gaps, and make sure you’re fully protected — without paying for things you don’t need.

Get in touch with us today, and let us help you get fully covered! Give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a quote right here online!

Home Insurance: Your Ally in Homeownership Challenges

Posted on March 28, 2025March 28, 2025 by admin

Homeownership is a rewarding journey, but it’s not without its challenges. From natural disasters to theft, unexpected events can cause significant damage to your home. That’s where home insurance comes in. At Avalue Insurance, we believe that home insurance is more than just a policy; it’s your ally in navigating the challenges of homeownership.

Home Insurance: More Than Just Coverage

Home insurance does more than just cover the cost of repairs or replacement if your home is damaged. It also provides liability coverage if someone is injured on your property, and it can even cover living expenses if you have to temporarily move out of your home due to a covered loss.

Navigating Homeownership Challenges with Home Insurance

Homeownership comes with a unique set of challenges, from maintaining your home to protecting it from potential risks. Home insurance can help you navigate these challenges by providing financial protection and peace of mind. Whether it’s a burst pipe, a break-in, or a natural disaster, you can rest easy knowing that you’re covered.

Choosing the Right Home Insurance Policy

Choosing the right home insurance policy is crucial. You need to consider factors like the value of your home, the level of coverage you need, and your budget. At Avalue Insurance, we can help you assess your needs and choose the right policy for you.

Trust Avalue Insurance for Your Home Insurance Needs

At Avalue Insurance, we’re committed to helping you navigate the complexities of home insurance and ensuring you’re adequately protected. If you have any questions about home insurance, don’t hesitate to contact us. We’re here to help!

Do You Need Home Insurance for a Vacation Property?

Posted on January 30, 2025January 30, 2025 by Emilie Hagopian

Ah, vacation homes. Cozy cabins, beachside bungalows, mountain retreats — there’s nothing like owning your own little slice of paradise. But just because it’s not your primary residence doesn’t mean it doesn’t need protection. In fact, insuring your vacation property is just as important (if not more so) than insuring your main home.

Let’s talk about the key coverages you’ll want to consider for your home-away-from-home.

Types of Coverage that Every Vacation Home Needs

1). Dwelling Coverage

Dwelling coverage helps cover the cost of repairing or rebuilding your vacation home if it’s damaged by a covered event like fire, storms, or vandalism. From fixing a storm-battered roof to restoring a vandalized front porch, this coverage ensures your home-away-from-home is covered — even when you’re not there to keep an eye on it.

2). Other Structures Coverage

Vacation properties often come with fun extras like detached garages, sheds, or even pole barns. Other structures coverage steps in to protect these out-buildings from damage. So, if a falling tree damages your garage or your shed takes a beating in a storm, you won’t be left footing the repair bill.

3). Personal Property Insurance

Think about all the things that make your vacation property cozy — furniture, appliances, linens, and even outdoor gear. Personal property insurance covers these items if they’re stolen or damaged. If your kayak gets swiped or your cozy cabin couch gets ruined by a burst pipe, this coverage has your back.

4). Liability Protection

Vacation homes are often shared with family, friends, or even rented out occasionally. Liability protection is crucial in case someone gets injured while visiting your property. Whether it’s a slip on the deck or an accident during a weekend stay, this coverage protects you from costly lawsuit expenses.

5). Medical Payments Coverage

Accidents happen, even in paradise. Medical payments coverage helps with minor medical expenses if someone is injured on your property, without the need for a lawsuit. It’s a simple way to avoid awkwardness if your neighbor twists an ankle at your lake house BBQ.

6). Short-Term Rental Coverage

Thinking about turning your vacation home into a money-making getaway on Airbnb or VRBO? That’s a great way to earn extra cash! But before you hand over the keys to your next guest, make sure you’re covered. Standard homeowners insurance typically doesn’t extend to short-term rentals, which means if something goes wrong — like accidental damage, liability issues, or even a guest injury — you could be stuck footing the bill.

That’s where optional short-term rental coverage comes in. This type of policy bridges the gap, providing protection for your home, your belongings, and potential liability claims while it’s being rented out. Whether you rent occasionally or have a steady stream of guests, this coverage ensures that your investment (and your peace of mind) stays intact.

Don’t Leave Your Vacation Property Unprotected

Your vacation property is your haven — don’t let unexpected events turn it into a headache. A comprehensive home insurance policy ensures that your slice of paradise stays just that: paradise.

At Avalue Insurance, we understand the unique needs of vacation homeowners. Whether you’ve got a cabin, cottage, or beach house, we’ll help you find the perfect coverage to keep your retreat safe.

Let us handle the insurance so you can focus on making memories! Contact us today at 303-773-3332, info@avalueinsurance.com, or request a quote right here online!

Protecting Your Home from Wildfires in Colorado

Posted on December 31, 2024January 6, 2025 by admin

Wildfires are a real threat in Centennial, CO, and having the right home insurance coverage is crucial. Avalue Insurance is here to help you understand how home insurance can protect your home from wildfire damage.

Wildfire Coverage in Home Insurance

Most home insurance policies cover damage caused by wildfires. This includes damage to the structure of your home, other structures on your property like sheds or garages, and your personal belongings inside the home.

Additional Living Expenses Coverage

If a wildfire makes your home uninhabitable, your home insurance policy can also cover your additional living expenses. This includes the cost of temporary housing, meals, and other expenses you incur while your home is being repaired.

Preventing Wildfire Damage

While home insurance can provide financial protection after a wildfire, it’s also important to take steps to prevent wildfire damage. This includes maintaining a defensible space around your home, using fire-resistant materials in your home’s construction, and having a home evacuation plan.

Protecting Your Home with Avalue Insurance

At Avalue Insurance, we understand the importance of protecting your home from wildfires. We’re committed to helping homeowners in Centennial, CO, find the right home insurance policy for their needs. Contact us today to learn more about our home insurance options.

The Importance of an Annual Home Insurance Review for Colorado Homeowners

Posted on September 30, 2024September 30, 2024 by admin

Being a homeowner in Colorado comes with its own set of challenges and rewards. One of the most important yet often overlooked aspects of homeownership is ensuring your home insurance policy stays updated. At Avalue Insurance, we believe a regular home insurance review is a must. Here’s why.

Property Value Changes

Over time, your home in Colorado may appreciate due to fluctuating market conditions or home improvements. An annual review of your home insurance policy ensures that your coverage accounts for these changes, offering sufficient protection to rebuild your home in case of total loss.

Significant Purchases and Sales

Throughout the year, you may acquire or dispose of personal items. These include new electronics, high-value jewelry, or fine art. These changes in your possessions should be reflected in your home insurance policy to ensure they’re adequately covered.

Discount Opportunities

You could lower your insurance premiums by making certain home improvements like installing a new roof or a security system. An annual review ensures you are receiving all available discounts.

Changes in Your Living Situation

Significant changes in your life—from getting married to welcoming a new baby, or downsizing your home—all necessitate a review of your home insurance policy. This exercise ensures your coverage still aligns with your current circumstances.

Annual reviews of your home insurance policy with Avalue Insurance can ensure you’re not underinsured, overpaying, or missing out on potential discounts. Reach out to us to schedule a comprehensive policy review. At Avalue Insurance, we are dedicated to providing the support you need, making us a trusted home insurance provider in Colorado.

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