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
- 1 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
- 1 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
- 1 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
- 1 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
- 1 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
- 1 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
- 1 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, 2022
- 2 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, 2022
- 2 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, 2022
- 2 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, 2022
- 3 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, 2021
- 3 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, 2021
- 4 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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