Admitted vs Non-admitted Insurance Options for Community Associations
The Advantages of Admitted Insurance vs. Non-Admitted Insurance When choosing an insurance policy, understanding the differences between...
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Devon Schad
Sep 8, 20233 min
The Domino Effect: How Low Interest Rates Have Impacted Insurance Rates Across the United States
Insurance is a fundamental aspect of financial stability for individuals, businesses, and communities. However, over the past few years,...
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Devon Schad
Mar 28, 20231 min
What are CC&Rs?
Covenants, conditions, and restrictions (CC&Rs) are a set of rules and regulations established by a homeowners association (HOA) to...
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Devon Schad
Mar 21, 20231 min
What If My Ball Hits Someone While Playing Golf?
It depends on the specific circumstances and the coverage in your homeowners insurance policy. Most standard homeowners insurance...
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Devon Schad
Mar 21, 20231 min
How Much Liability Coverage Should I Purchase?
The amount of insurance liability coverage that is enough varies depending on an individual's specific circumstances and assets. The...
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Devon Schad
Mar 14, 20231 min
I Was Assessed a Share of a Deductible By My Condominium Association. Will My Policy Pay?
A condominium owner with an HO6 insurance policy may be able to use their loss assessment coverage to help pay for a deductible assessed...
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Devon Schad
Mar 7, 20231 min
What is a wind and hail percentage deductible?
A wind/hail deductible is a type of insurance deductible that applies specifically to damages caused by windstorms or hail. This type of...
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Devon Schad
Feb 21, 20231 min
Are there benefits to living in an association?
As one of the largest insurance agencies for insuring homeowners associations we know living in an HOA can bring with it ups and downs,...
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Devon Schad
Feb 14, 20231 min
Is Vandalism to My Rental Property Covered?
First check what type of policy you have. Most rentals (single family to 4 units) are covered under a dwelling policy form. With a...
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Devon Schad
Feb 7, 20231 min
Insurance Simplified: 5 Most Important parts to Home Insurance
The 5 most important parts of a homeowners insurance policy typically include: Coverage for the structure of the home: This covers...
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Devon Schad
Dec 20, 20222 min
Why You Should Purchase Uninsured Motorist Coverage
Uninsured motorist coverage is an important part of your car insurance policy that provides protection for policyholders in the event of...
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Devon Schad
Dec 13, 20222 min
Three Reasons Why Insurance Costs Continue to Rise For Condominium and Townhome Associations
The COVID-19 pandemic, the 2021 collapse of Champlain Towers South, Hurricane Ian, years of hail in Colorado, the Marshall Fire and now...
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Devon Schad
Jun 3, 20222 min
The ABC's of Building Ordinance
Ordinance or Law coverage for commercial property consists of 3 main segments: Coverage A – Undamaged Portion of the Building Coverage B...
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Devon Schad
Jan 15, 20223 min
Devastation in our Backyard - A look at insurance and what we can learn from the Marshall Fire
Growing up in Louisville, Colorado, I like many others, could have never imagined the scene that unfolded on December 30, 2021. Early in...
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Devon Schad
Aug 25, 20213 min
Landlord-ology Renters Insurance benefits both Landlord and Renter: Protect Your Assets and Your Inc
By Devon Schad, The Schad Agency THE BASICS For most tenants, purchasing renter’s insurance is not at the top of their to-do list. Coming...
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Devon Schad
Aug 25, 20214 min
10 Tips for Choosing a Community Association Insurance Policy
By Devon Schad, Schad Agency Every year, an association must renew or select a new insurance policy for the association. Often boards...
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