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Insured by Ignacio CO Insurance Agent 🏔️
Protecting what matters most to you.
🏠 Home • 🚗 Auto • ❤️ Life • ☂️ Umbrella
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10/21/2026

Colorado homeowner policies don’t always use a flat-dollar deductible for wind and hail — many use a percentage of your home’s insured value instead.

On a home insured at $500,000, a 2% deductible means you’d owe $10,000 out of pocket before coverage kicks in on a hail claim (that’s a hypothetical example, not a quote).

After a few seasons of Front Range hailstorms, that number catches a lot of people off guard when a claim finally comes in.

If you don’t know whether your policy has a flat or percentage wind/hail deductible, it’s worth a five-minute look.

DM me DEDUCTIBLE and I’ll help you find it in your declarations page.

10/20/2026

Finished a water heater install last month, then got a damage call three weeks later? That's a completed operations claim, and it's one of the biggest blind spots I see with HVAC, plumbing, and electrical contractors around Denver.

Your general liability policy doesn't just cover injuries while you're on site. It also covers damage that shows up after you've left — a slow leak, a wiring issue, a unit that fails once it's running. Industry data shows average claim severity runs around $35K for water and freezing damage and $80K for fire-related claims, often from routine jobs, not big mistakes.

If you haven't looked at your completed operations limits in a while, now's a good time. DM me CONTRACTOR and I'll walk through your current coverage with you.

Colorado ranks 9th-worst in the country for uninsured drivers. An estimated 17.5% have no coverage at all, well above th...
10/18/2026

Colorado ranks 9th-worst in the country for uninsured drivers.

An estimated 17.5% have no coverage at all, well above the 14% national average, per industry research cited by CPR News.

That’s not abstract if it’s your family’s car that gets hit. Your own underinsured motorist coverage and liability limits are what stand between a serious accident and your household absorbing costs the other driver’s policy can’t cover.

A lot of people haven’t checked those numbers in years — especially once a mortgage, kids, or two incomes enter the picture.

If you’re not sure what your limits are, that’s worth five minutes of your Sunday.

DM me LIMITS and I’ll walk through it, or call (720) 412-0368.

InsuredByIgnacio

If your motorcycle’s going into the garage for the winter, don’t just cancel the policy and walk away.Nationally, insure...
10/17/2026

If your motorcycle’s going into the garage for the winter, don’t just cancel the policy and walk away.

Nationally, insurers have reported well over 2,800 motorcycles stolen every single winter month; most of them sitting in a garage or shed, not out on the road. Add in a fire, a carport that collapses under heavy snow, or a burst pipe, and an uninsured bike can turn into a total loss with nothing to fall back on.

Most carriers will let you drop the riding-related coverages - liability, roadside - while keeping comprehensive active for theft and fire, often for less than your full policy. It keeps your bike protected and your coverage history intact for spring.

If your bike’s about to go into storage, send me STORED and I’ll walk you through what to keep and what you can safely drop.

10/16/2026

Denver dropped to 32° overnight.

The first freeze of the season just hit the Front Range, with a swing back into the 70s by Saturday right behind it. That kind of temperature whiplash is exactly when pipes crack.

Homeowners and renters policies generally cover sudden pipe bursts and the water damage that follows, per the Colorado Division of Insurance.

Insurers can push back if a home sat unheated or unattended without reasonable care… think a rental between tenants or a trip south without the thermostat set above 55.

If you’re a landlord, about to travel, or just don’t know where your main shutoff valve is, now’s the time to check.

DM me PIPES if you want help understanding what your policy actually covers before a freeze turns into a claim.

“I’ve got life insurance through my job.”I hear that one all the time. Here’s the math that usually doesn’t get explaine...
10/15/2026

“I’ve got life insurance through my job.”

I hear that one all the time. Here’s the math that usually doesn’t get explained:

Most workplace life policies are 1-2 x your salary. Sometimes it’s just a flat $25,000–$50,000. That’s it.

Let’s say you make $75,000. You’ve got a $250,000 mortgage and two kids. Your work policy pays out $75,000… maybe $150,000 if you’re lucky.

That covers a funeral, a few mortgage payments, and not a whole lot else.

Most financial professionals start planning around 10x your income, plus whatever’s left on the house.

For a $75k salary, real protection for that family looks more like $750,000–$1,000,000.

Work coverage gets you a fraction of the way there.

Here’s the part that catches people off guard: it’s not your policy to keep. If you leave the job, you lose the policy.

Converting it later on your own costs a lot more than locking in your own term policy now, while you’re young and healthy.

Doesn’t mean cancel the work plan: stack a term policy underneath it and you’re covered no matter what happens to the job.

Takes about 10 minutes to see where you actually stand. No pressure, just numbers. Call or text (720) 412-0368

Most people think Colorado’s fire season ends with summer.Tell that to Boulder County.December 30, 2021. Not a forest fi...
10/14/2026

Most people think Colorado’s fire season ends with summer.

Tell that to Boulder County.

December 30, 2021. Not a forest fire. Not July. A grass fire that started behind a shopping center, pushed by 100+ mph wind, through two suburban towns — Louisville and Superior.

In under 12 hours: 1,084 homes and 7 businesses gone. Over $2 billion in damage. The most destructive wildfire in Colorado history… and it hit neighborhoods that never thought they needed to worry about it.

Here’s the part that catches people off guard on their own policy: your dwelling coverage is supposed to match what it costs to REBUILD your home… not what it’s worth on Zillow.

Construction costs have climbed for years. If that number on your policy hasn’t kept up, you could be tens of thousands short right when you need it most.

Worth a 10 minute check, especially if it’s been a few years since anyone looked at that limit.

Call or text (720) 412-0368 and I can run it for your home.

Most people think their homeowners policy only kicks in for a fire or a hail storm.Fine print says otherwise.Power goes ...
10/13/2026

Most people think their homeowners policy only kicks in for a fire or a hail storm.

Fine print says otherwise.

Power goes out for a weekend, your freezer’s ruined – spoiled food is often covered.

Someone breaks into your car and grabs your laptop — that’s usually covered too, even though it happened nowhere near your house.

Your kid breaks a $400 vase at a friend’s birthday party — liability can follow you off your own property.

Here’s the part people miss: off-premises theft usually only covers stuff that isn’t normally kept there.

Leave your golf clubs in the trunk every day and get broken into? That one gets trickier.

Most homeowners have never actually opened their policy past the declarations page.

Take five minutes and look at yours. Or send me a message and I’ll go through it with you — no charge, no pressure.

(720) 412-0368

Colorado just landed the worst ranking in the country for this.Nearly half of Colorado drivers… 49.7%, don't carry enoug...
10/12/2026

Colorado just landed the worst ranking in the country for this.

Nearly half of Colorado drivers… 49.7%, don't carry enough insurance to cover a real accident. Highest underinsured rate in the entire U.S. On top of that, almost 1 in 5 CO drivers carry none at all.

Here's what that actually means for you: someone rear-ends you on I-25. They hand you their insurance card. You think you're covered. Then the ER bill comes in at $60,000 and their policy maxes out at $25,000.

You're on the hook for the rest, unless your OWN policy has uninsured/underinsured motorist coverage (UM/UIM).

Most people don't even know they have a choice here. Colorado law requires insurers to offer UM/UIM equal to your liability limits, but you can reject it in writing. A lot of folks did, without realizing what they gave up.

It's usually a small add on to your premium. Worth checking before you need it, not after.

Text or call me, (720) 412-0368. I'll pull up your policy and tell you in two minutes if you're protected.

74 million Americans have zero life insurance. Another 25 million know they don't have enough. That's most of the countr...
10/11/2026

74 million Americans have zero life insurance. Another 25 million know they don't have enough. That's most of the country walking a tightrope with no net.

Ask why, and almost everyone says the same thing: "it's too expensive."

Here's what it actually costs. A healthy 40-year-old can lock in $1,000,000 of coverage for 10 years for around $46 a month. Less than a lot of phone bills.

When people are asked to guess that number, they usually come in 6 to 12 times too high. That's not a small miss. That's the whole reason so many families go without.

The real cost was never the premium anyway. It's what your family has to cover the month after you're gone — mortgage, groceries, the car payment, whatever the kids need — on one income instead of two, starting immediately.

If you don't know what you're currently carrying, or you've never actually run your own numbers, let's do it. No pressure, just math.

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Aurora, CO
80010-80019, 80040-80047 (ALL BUT 80045 PO BOXES), 80137, 80247

Telephone

+17204120368

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