RINO Insurance Group

RINO Insurance Group

Insurance Agency that focuses on helping customers with their Auto, Home, Commercial and Life coverages.

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What Is Contents Insurance?

Whether you own or rent your home, the value of your stuff can quickly add up. But what if the contents of your home — furniture, electronics, clothing — were damaged or stolen?

The good news is that renters, homeowners and condo insurance policies usually include coverage for the contents of your home — described in most policies as personal property coverage. This coverage typically helps protect belongings from certain risks, such as fire or theft. So, if someone breaks into your home and steals your laptop or your clothing and furniture are ruined in a fire, you may find that insurance helps cover the loss.

It's important to understand, though, the type of coverage you have as well as how much your policy may pay after a covered loss. Here are some things to consider.

ACTUAL CASH VALUE VS. REPLACEMENT COST COVERAGE
When you purchase a homeowners, renters or condo insurance policy, you'll typically have to choose between two types of personal property coverage. Replacement cost coverage typically helps reimburse you for the cost of replacing a damaged item with one of similar type and quality, the Insurance Information Institute (III) explains. Meanwhile, actual cash value coverage usually factors in depreciation of the item, the III says. So if you filed an insurance claim after your five-year-old television was stolen, a policy with actual cash value coverage would likely reimburse you for a percentage of what you paid for it. Meanwhile, a policy with replacement cost coverage would likely provide enough coverage for you to purchase a replacement in today's dollars.

That's where scheduled personal property coverage may help. Scheduled personal property — often referred to as a rider, floater or endorsement — is an optional coverage you can purchase to provide additional protection for certain valuables such as art, antiques, furs, jewelry or musical instruments. To schedule an item, you'll typically have to have a recent receipt or have the item professionally appraised, according to the III. Other benefits to scheduling items may include coverage for a greater number of risks and no deductible payment in the event that you need to file a claim.

TAKING INVENTORY
So, how do you know how much coverage — and what type — is right for you? One way to start is by taking inventory of your belongings. In addition to listing or photographing your belongings, include details like serial numbers on electronics, makes and models, and year of purchase, suggests the III. It's also a good idea to attach any official documentation, such as receipts and appraisals, to your home inventory. Documenting the stuff you own, from electronics to shoes, can help give you a clearer picture of what you own and how much it's worth. That may help you decide how much personal property coverage you need, and may also come in handy in the event that you need to file an insurance claim.

A local agent can help you review your existing personal property coverage and answer any question you may have. Armed with a better understanding of how insurance helps protect the contents of your home, you will be better prepared as you select the coverages that are right for you.

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Is Jewelry Protected By Renters Insurance?

If you own expensive jewelry, whether it's a diamond engagement ring, a family heirloom or a watch, you may have wondered whether renters insurance covers it.

When it comes to your belongings, it's important to understand what types of risks your renters insurance protects against and how much coverage it provides. In some cases, you may decide that it's worth putting extra protection in place. Here are some things to consider.

WHAT TYPES OF JEWELRY ARE COVERED?
The personal property coverage in a renters insurance policy may help pay to repair or replace belongings, including watches and rings, if they are stolen or damaged by a covered peril, such as a fire. Keep in mind that a coverage limit, which is the maximum a policy reimburses you for a covered claim, will apply. Certain items, including jewelry, often have lower coverage limits. Your deductible will usually be subtracted from the amount you're reimbursed for a covered claim.

Watches and jewelry generally won't be covered if you lose them or they are damaged due to wear and tear. Read your policy to learn what risks it covers.

INSURANCE FOR A DIAMOND RING
Renters insurance may help protect a diamond ring, up to the limits stated in your policy, if it is stolen or damaged by a covered peril. Keep in mind that the ring needs to be insured by its current owner. For instance, if someone buys an engagement ring and is in possession of it before proposing, the insurance needs to be in the purchaser's name. But once the ring is given to another person, it needs to be covered by the recipient's policy.

As with other belongings, a diamond ring would typically not be covered by renters insurance if it was lost. Read your policy to learn what risks it covers.

CAN YOU INSURE A WATCH?
Coverage for a watch works similarly to coverage for other jewelry when it comes to renters insurance. Read your policy or talk with your agent so you understand how much coverage you have on items like jewelry or watches.

Read on to learn more about how personal property coverage limits work for jewelry like rings and watches, and how purchasing extra coverage might offer greater protection.

PERSONAL PROPERTY COVERAGE LIMITS
Insurance policies typically come with limits for each type of coverage. For instance, the personal property coverage on your renters insurance policy may have a $50,000 limit (but check your policy to make sure you know what your own specific limits are). That means that if your belongings were damaged or destroyed by a covered peril, your policy may pay up to $50,000 to help you replace your stuff. However, renters insurance policies usually include sub-limits for certain types of items, such as jewelry.

That means that while you may have up to $50,000 in coverage to help pay to replace your belongings if they are stolen, for instance, you may find that your policy provides only $1,000 in coverage for theft of jewelry. Some insurers may set a "group" coverage limit for an entire category of valuables — for example, a maximum of $2,500 for all of your jewelry.

For this reason, it's important to document how much your jewelry is worth so that you can make sure you have enough coverage in place. Documents like receipts and appraisals are good ways to track the value of your belongings, the Insurance Information Institute (III) says. Such records may come in handy in the event that you need to file an insurance claim.

ADDITIONAL INSURANCE COVERAGE FOR JEWELRY
If you find that a standard renters insurance policy doesn't provide enough coverage for your jewelry, you may want to consider purchasing additional coverage.

Some insurers offer optional extended protection for certain valuations, including jewelry and watches. You may find that this type of protection provides coverage for a greater number of risks. You'd typically need to pay your deductible before coverage kicks in, and coverage is typically capped at a certain amount for each item (for instance, up to $1,000 in coverage per piece of jewelry). Your agent can explain the details of this type of coverage so you can decide if it makes sense for you.

Another type of additional coverage is often referred to as a floater or rider. Scheduled personal property coverage is an example of this type of protection. Scheduled personal property coverage basically helps you insure a specific item — an engagement ring or expensive watch, for instance — for its documented value.

To purchase scheduled personal property coverage, you'll typically need to have each piece of jewelry you want to insure professionally appraised, according to the III.

In addition to increasing your coverage limit for jewelry, scheduled items may also be protected against risks that a standard renters insurance policy doesn't cover. For instance, you'll typically find that scheduled personal property coverage covers an item if it's lost — left behind at a hotel, or dropped down a drain, for example — which a typical renters insurance policy may not cover.

You'll also typically find that you can choose to purchase scheduled personal property coverage without a deductible. Meanwhile, you would likely have to pay your deductible before a standard renters insurance policy kicks in to help cover a loss.

A local agent can help you assess your renters insurance coverage so you can determine whether it offers enough protection for your jewelry or whether you may benefit from additional coverage.

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Car Insurance Frequently Asked Questions

A car insurance policy may help protect you and your vehicle in many scenarios, depending on the coverages you select. Sometimes you may have questions about your coverage before an event occurs—like, "I'm going to rent a car, do I need extra insurance?" But, more often, questions may come up after a mishap—like, "I hit a deer. Am I covered?"

Either way, it can help to read up on some common car insurance coverage questions now, so you can be armed with knowledge for either type of scenario in the future.

I'M GOING TO _______. IS IT COVERED?

Pull a parade float.
As long as you are doing it as a volunteer and are not being paid, insurance will typically offer protection. In the event that something occurs, make sure you know how your insurance may help protect you.

Rent a car.
A personal auto insurance policy typically extends to a rental car as long as you're in the United States. If you pay for a rental car with certain credit cards, you may find they offer free insurance, according to the Insurance Information Institute (III). However, it's important to review your insurance coverage to make sure you have the appropriate coverages in place before saying no to that extra insurance offered by the rental company.

Rent a car abroad.
Typically, your own auto insurance will not cover you abroad. Every country has its own requirements. Before traveling you may want to contact your destination's U.S. embassy to learn of any rental car insurance requirements.

Rent a moving truck.
Some auto insurance policies may help cover a moving truck, but there may be certain exclusions depending on the truck size, according to the National Association of Insurance Commissioners (NAIC). Be sure to speak to your agent to know what size trucks are covered under your insurance policy.

Drive for a ride-sharing company.
The NAIC explains that personal auto insurance may not cover you if you use your car for business purposes. There may be gaps in what your personal car insurance covers and what the ride-sharing company's insurance covers. Some personal auto insurers do offer optional coverage, however, to help fill those gaps.

What Is A Life Insurance Beneficiary?

A life insurance beneficiary is the person or entity that will receive the money from your policy's death benefit when you pass away. When you purchase a life insurance policy, you choose the beneficiary of the policy. Your beneficiary may be, for example, a child or a spouse.

WHAT'S THE DIFFERENCE BETWEEN A PRIMARY AND CONTINGENT LIFE INSURANCE BENEFICIARY?

Your primary beneficiary is the person or entity you select that is entitled to the policy's benefit upon your death. The Insurance Information Institute (III) recommends you also select a contingent beneficiary as next in line for the benefits in case your primary beneficiary cannot be found or dies. For this reason, it is important that you identify each beneficiary as clearly as possible, including full names and Social Security numbers for all named persons.

WHAT'S THE DIFFERENCE BETWEEN A REVOCABLE AND IRREVOCABLE LIFE INSURANCE BENEFICIARY?

If you're the owner of a life insurance policy with a revocable beneficiary, you can change the beneficiary of your policy without consent from the current beneficiary.

On the other hand, a policy with an irrevocable beneficiary requires the policyholder to get the current beneficiary's consent before making a change.

HOW TO CHOOSE A LIFE INSURANCE BENEFICIARY

Selecting a beneficiary is a highly personal decision based on your values and financial circumstances. Your beneficiary can be any person or entity of your choosing, such as a spouse, child, trust or charity, the III says.

Spouse:

If you pass away, consider how losing your income would affect your husband or wife financially. Would he or she be able to make ends meet? Life insurance benefits may be used to cover expenses such as your mortgage, long-term debt and even the costs of a funeral. Keep in mind that certain states require your spouse's permission to name someone else as your life insurance beneficiary, says LexisNexis.

Child:

Do you have dependent children? Life insurance benefits may be used to help pay for their future college educations when you pass away. Keep in mind, however, that minors (defined as under age 18 or 21, depending on the state) cannot be named as direct beneficiaries, says the American Institute of Certified Public Accountants (AICPA). You may wish to create a trust in the child's name or designate an adult custodian for the funds instead. This trust or adult custodian may then be named as beneficiary of the policy, recommends the AICPA.

Charity:

You can name a charity as your life insurance beneficiary. If there's a cause or charitable organization that's near and dear to your heart, you can "donate" your policy's benefit to it when you die.

Multiple beneficiaries:

You may specify that your benefit be divided, for example, in thirds between two children and a surviving spouse. If you choose multiple beneficiaries, you must specify what amount or percentage of the death benefit each beneficiary should receive. Your insurance policy may limit the number of beneficiaries you can select, the III says.

If you do not specify a beneficiary, most life insurance policies typically name a default beneficiary. Usually, the default beneficiary will be your estate, but it's a good idea to check with your agent so you know who the default beneficiary would be on your policy.

HOW TO CHANGE A BENEFICIARY

The birth or adoption of children, marriage, divorce, or other altered life circumstances may prompt you to change your beneficiaries. For example, if your spouse is named as a beneficiary on your life insurance policy, some states have spousal revocation statutes that automatically revoke that designation after a divorce.

That's why it's important to review your beneficiaries after major life events, or at minimum every three years, to ensure your policy is still in accordance with your current wishes, the AICPA says.

Do not assume that making changes to your will is sufficient to change beneficiaries, says the AICPA. If you wish to alter your policy's beneficiaries, the AICPA recommends you request a change of beneficiary form directly from your insurer.

Life insurance can be a source of financial security for your beneficiaries when you're gone. Talk with an agent or a financial professional for help with naming or changing your policy's beneficiary.

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What Does Home Liability Insurance Cover?

Personal liability coverage is a typical component of a homeowners insurance policy. While no one expects to be held liable after an accident at their home, liability coverage may help prevent you from paying out of pocket should the unexpected occur.

Think about, for example, what would happen if someone were to take an unfortunate spill down your stairs. Ultimately, you could be held responsible for their medical expenses if you are found to be legally liable for the accident.

Here are some examples of the ways in which the personal liability coverage in a homeowners insurance policy may help protect you.

MEDICAL BILLS
Liability coverage may help pay for medical bills that result from a visitor's injury at your home — and help prevent you from paying those costs out of pocket. Even if that person has health benefits, you could be held responsible for the expenses if it's determined that the injury happened as a result of your negligence — like if you failed to fix a broken porch step, for example.

PAIN AND SUFFERING
Medical bills are one thing, but beyond that lies the possibility that you could be held responsible for any pain and suffering endured by a person who is injured in your home. If you're found legally responsible, liability coverage may help pay for the cost of a settlement against you.

WAGES
If someone is injured while on your property and that injury results in their inability to return to work, you may be found legally liable for the wages they lose as a result. Liability coverage may help prevent you from paying out of pocket in a situation such as this.

DEATH BENEFITS
Nobody wants to think about the possibility of someone having a fatal accident in his or her home, but it's something that you can't exclude. The average home liability policy also may cover death benefits to the family of someone who passes away as the result of an accident in your house or on your property.

LEGAL COSTS
If you're sued following an accident in your home, you may need a lawyer. Liability coverage may help cover your legal expenses, regardless of whether you're found responsible for damages.

PERSONAL LIABILITY COVERAGE AWAY FROM HOME
Liability coverage also may help cover damages that stem from accidents that happen when you're away from home. For instance, if you accidentally cause damage to your hotel's lobby, this coverage may help protect you if the hotel company seeks reimbursement.

WHAT HOME LIABILITY DOESN'T COVER
Of course, there are some exclusions to home liability coverage. Purposefully inflicted injury typically isn't covered. For example, you may be covered if someone accidentally trips and falls down your stairs — but if it's intentional, it probably wouldn't be covered by insurance.

SET YOUR LIMITS WISELY
Remember, personal liability coverage will only pay up to a set dollar limit. When choosing your homeowners insurance policy, keep in mind that if a liability judgment exceeds your coverage limit, you may be financially responsible for the difference. A personal umbrella policy, which is an optional coverage, may help provide greater liability protection beyond the limits of a homeowners policy.

A local agent can help you learn more about liability coverage options so you can chose the homeowners policy and liability limits that are right for you.

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About Us:

RINO Insurance Group is located in the trendy River North Art District (nicknamed “RiNo”) features contemporary art galleries and hip concert venues in revamped industrial buildings.

The RINO Insurance Group’s mission is to provide its customers with peace of mind and protection. We will fulfill their ever-changing needs through a commitment to excellent customer service and stability.

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3575 Ringsby Court #415
Denver, CO
80216

Opening Hours

Monday 08:30 - 21:00
Tuesday 08:30 - 21:00
Wednesday 08:30 - 21:00
Thursday 08:30 - 21:00
Friday 08:30 - 16:00
Saturday 10:30 - 14:00
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