Does a Disability Disqualify Me From Buying Life Insurance?

Posted on July 31, 2025July 14, 2025 by agentinsure

If you have developed a disability due to a motor vehicle accident or an illness, you may begin to worry about how to provide for your family. One of those concerns could involve your ability to get life insurance in Colorado Springs, CO. Having a disability doesn’t automatically disqualify you from buying a life insurance policy, but there are additional factors to consider. A Westco Insurance LLC agent can help guide you through the process.

Disability Severity and Type Matter

While having a disability doesn’t automatically disqualify you from obtaining life insurance, the type and severity of your disability will impact how easily you can get a policy. You will have an easier time finding coverage if your disability doesn’t affect your life expectancy. Conditions such as blindness or hearing loss generally don’t affect your ability to get coverage. However, underwriters may still consider your condition a risk, which could lead to higher premiums. Being honest about your disability and how it affects your life is crucial. Failure to disclose such information can result in policy termination or denial of benefits.

Weigh Your Options

Even if your disability impacts your life expectancy, you can still get coverage, but your options may be limited. One option involves completing a pre-sale application form where you explain your disability and detail your medical history. This document can help you determine which insurers are willing to issue coverage. If you can’t get traditional insurance, consider guaranteed-issuance life insurance or burial policies, which don’t require medical exams.

Working with an agent experienced in finding such policies can help you secure the best life insurance policy for your circumstances. To learn more about life insurance coverage for disabled individuals, contact Westco Insurance LLC, serving residents of Colorado Springs, CO. Call today to get started.

Does Auto Insurance Cover Property Damage?

Posted on June 30, 2025June 13, 2025 by agentinsure

Auto insurance is a legal requirement for operating safely on the road. It provides the coverage needed to manage costs associated with accidents and protects others on the road as well. While most people focus on the benefits of auto insurance in accidents involving other drivers, what happens if the accident involves only you and someone else’s property? Are you covered in these situations? Let’s explore what happens when an accident involves property rather than people and how you can stay ahead of these damages with support from Westco Insurance LLC in Colorado Springs, CO.

Does Auto Insurance Cover Property Damage?

Not all auto accidents involve another driver. Sometimes, mechanical issues with your car can make steering difficult, or you may need to swerve to avoid a pedestrian or an obstacle in the road. In such cases, you might end up hitting a fence, mailbox, or another part of someone’s property. Does auto insurance cover these costs? Generally, yes. If you crash into someone’s property and are found liable for the accident, your insurance should cover the damages. However, the amount your insurance will pay depends entirely on the coverage you have. If you only have minimum coverage, it may not be enough to cover the full cost of the damages. Always think ahead and choose comprehensive coverage to protect yourself in these situations.

Get Property Damage Coverage and More With Westco Insurance LLC

Looking for quality auto insurance? The team at Westco Insurance LLC in Colorado Springs, CO, is here to help! Get started by comparing quotes with us today, or reach out if you have any questions.

Why You May Need Cyber Insurance

Posted on May 30, 2025May 21, 2025 by agentinsure

As a business owner, there’s always something that needs attention. With so many types of commercial insurance that you may need, some may fall through the cracks. One of these is called cyber insurance. It’s suitable for a wide range of businesses of any size. If you think you may need cyber insurance and want to find out more about it, contact us at Westco Insurance LLC in Colorado Springs, CO.

Business Computer Networks

Almost every aspect of a business is now on the computer network that the business uses. More and more functions are being moved to these networks, and record-keeping is one of them. That means that there is a lot of data on these networks that could be sensitive information. This may be employee data, payment data, personal data, etc. All of this could be stolen by a criminal, even if your business is a very small one. Small businesses are targeted for these attacks just as large businesses are.

Data Breaches

When a data breach happens, you will be liable for many of the costs that are incurred. This may be data about your company, financial data, etc. Whatever it is, it can be stolen and put online for all to see. When you have cyber insurance, it protects you against what happens after a data breach. It can pay a lot of the costs that come up after such an event. Without cyber insurance, a business that uses a computer network is vulnerable to that kind of liability.

Get Cyber Insurance in Colorado Springs

A cyber insurance policy is necessary to protect your company against hackers’ damage. Call Westco Insurance LLC in Colorado Springs, CO, to find out more and get started.

Home Insurance Add-ons to Enhance Protection

Posted on April 30, 2025April 18, 2025 by agentinsure

Westco Insurance LLC provides comprehensive protection for your home and possessions in Colorado Springs, CO. Occasionally, homeowners encounter unique circumstances that standard home policies do not cover. In such cases, we suggest considering additional coverage or incorporating a rider.

Addressing the Uncommon

Riders, also known as add-ons, allow policyholders to extend coverage for unique situations such as a home-based business or hobby equipment like photography or music recording gear. Scheduling coverage allows individuals to protect high-value items, such as jewelry or collectibles, including stamps and coins. Scheduling an item ensures it’s covered for its actual value.

While many home policies include coverage for possessions, each policy has its coverage limits. Within these limits, certain categories of items have restricted coverage under a sub-limit or special limit. Understanding this special limit can help you determine the extent of additional coverage required for your possessions.

Common Add-ons for Home Insurance

When exploring suitable add-ons, it’s helpful to familiarize yourself with some industry terms. Insurance companies often refer to these add-ons as endorsements or floaters. Here’s a brief list of items typically scheduled:

Antiques
Artwork
Bicycles, trikes, unicycles
Collectibles, including coins, comics, memorabilia, stamps
Electronics, including computers and peripherals, cameras, and camera lenses
Firearms
Furs
Jewelry
Medical devices, including hearing aids, glasses, contact lenses, prosthetics, and wheelchairs
Musical instruments
Sports equipment, like golf clubs and fishing gear
Watercraft, including equipment and trailers.

Get in Touch Today

Ensure your possessions are adequately protected under your home insurance policy. Contact Westco Insurance LLC today to schedule coverage for your collectibles and high-value equipment. We’re here to help safeguard your home in Colorado Springs, CO, and all it contains.

Life insurance as a gift for grandchildren

Posted on March 28, 2025March 18, 2025 by agentinsure

If you have grandchildren, you probably have witnessed them being showered with toys and gifts for their birthdays and holidays. Just how many toys does a child need?

For those in the Colorado Springs, CO, area, Westco Insurance LLC has a unique idea that can literally pay dividends for years. Consider the gift of a permanent, whole life insurance policy.

Why an Insurance Policy for Grandchildren Could Be a Good Idea

Yes, it may be a little unique, but buying a life insurance policy for a child makes sense.

A permanent life insurance policy can build value over the years. This equity can be used to help pay for college, buy a first car, or even get an early start on a retirement plan.
Life insurance is more affordable when young. This means you can secure a large amount of insurance at an affordable price.
It provides life insurance protection while it builds value. This also helps assure insurability.
You can choose payment options. You can pay for the policy upfront in a lump sum or make payments over time, which provides flexibility in budgeting.
As a grandparent, you probably appreciate how quickly time passes. The longer a whole-life policy is in force, the more opportunity it has to increase in value.

Learn More Today

If you live in the Colorado Springs, CO, area and would like to discuss the options for giving the lasting gift of life insurance to a grandchild, we invite you to contact us at Westco Insurance LLC. We can show you how an affordable policy can build value over the years, quote a price, and get you started. Contact us today.

When is choosing basic auto insurance not the best option?

Posted on February 28, 2025February 17, 2025 by agentinsure

In the state of Colorado, drivers are required to carry liability coverage. The mandatory amount is 25/50/15. This protects other drivers from an accident where you are the responsible party. At Westco Insurance LLC in Colorado Springs, CO, we want all of our customers to have the right auto insurance, which may be basic insurance for some. For others, that coverage will not be adequate or allowed.

The mandatory liability amount in Colorado translates to $25,000 for the first person hurt in an accident, with a maximum of $50,000 for all injuries in that accident. The $15,000 is for damages to the property. Given the cost of medical care and of a car or a telephone pole, this insurance may be too low to protect your assets. If you are leasing your vehicle or have a car loan, you will be required to have coverage to protect the vehicle in the form of collision and comprehensive coverage.

If you have very few assets, an old car, or don’t use your car often, then basic auto insurance may be your best option. But if you are like most people and use your vehicle every day to run errands, drive to work or a million other things, then you need to be able to get your vehicle replaced or repaired if it is damaged. If you can afford to pay for the repair or replacement yourself, then basic insurance can be what you need. But if paying out that amount of money would be a hardship, then getting more comprehensive coverage is something that you need to consider.

For all your auto insurance needs, contact our team at Westco Insurance LLC in Colorado Springs, CO. Stop by the office, visit our website, or give us a call today.

Commercial Transportation Insurance for Accidents and Theft

Posted on January 24, 2025January 20, 2025 by agentinsure

A commercial transportation insurance policy can protect you against accidents and theft, covering expenses incurred while your commercial vehicles are in use or parked.

Liability Insurance

Commercial transportation insurance can protect you against accidents that are your fault or the fault of one of your drivers. A liability insurance policy will cover collisions that occur during inclement weather or unsafe driving conditions. This type of insurance will cover the cost of repairing the vehicle that you or one of your drivers is responsible for damaging.

Collision Insurance

Collision insurance is a type of commercial transportation insurance that covers damage to your own vehicles. This coverage protects against body damage and mechanical failures that directly result from an accident. Collision insurance is an optional coverage that a commercial business owner may benefit from. If a business owner relies on the use of commercial vehicles for day-to-day operations, having access to collision insurance will ensure that vehicles can be restored after a motor vehicle accident occurs.

Theft Insurance

The theft of a commercial vehicle or the equipment installed inside a vehicle could devastate a business owner. Having access to theft insurance will minimize the impact of such a loss. This type of coverage will handle costs associated with the loss of a vehicle or its contents.

Westco Insurance LLC: Serving Colorado Springs, CO

Protect the commercial vehicles you use during regular business hours by contacting one of our representatives at Westco Insurance LLC. An agent will schedule a consultation with you to discuss the types of commercial transportation insurance that will benefit you.

Homeowners Insurance for Historic Homes

Posted on December 23, 2024December 17, 2024 by agentinsure

Colorado Springs, CO, boasts some amazing historical neighborhoods, including Old Colorado City, Old North End, Skyway Park, and Manitou Springs. Houses in these areas feature unique designs and architecture that are sure to charm any aspiring homeowner. However, it’s important to note that regular homeowner’s insurance may not always be the best fit for a historical home.

What Does Homeowner’s Insurance for Historic Homes Cover?

HO-8 insurance is a policy designed to meet the needs of old houses with outdated plumbing, electrical wiring, and other systems. Such a policy typically covers the same forms of damage as a regular home insurance policy; however, it provides compensation based on the actual cash value of the home’s structure rather than replacement cost. This means you may have to pay high fees out of pocket if your home is significantly damaged or destroyed.

High-value home insurance is another option for historic homes. This policy is ideal if your home has a high net worth. It includes dwelling coverage, and you can add extended dwelling coverage to the policy to cover the high cost of having the home repaired or rebuilt using the same materials that were originally used in the home’s construction. If your historic home includes valuable furnishings and antiques, you can ask your insurer about a scheduled personal property policy endorsement to cover high-value belongings.

Contact Westco Insurance LLC for More Information

Your home is likely one of your most valuable assets. Moreover, its emotional value can’t be calculated in dollars and cents. At Westco Insurance LLC, we take pride in helping Colorado Springs, CO homeowners find insurance to meet their exact needs. Call us at your convenience to find out more about insuring a historic home at the best possible price.

Five benefits of life insurance that are underappreciated.

Posted on November 20, 2024November 18, 2024 by agentinsure

At Westco Insurance LLC, we are pleased to serve families in the Colorado Springs, CO area with various valuable insurance products. Among these insurance programs is life insurance.

We are here to help answer your questions, explore your options, and secure protection that fits your budget. We can also explain some of the benefits of insurance that may not be fully appreciated.

Here are five aspects of life insurance that you should be aware of.

1. Quick Access to Cash Following a Claim

A life insurance policy can quickly provide needed cash to a family following a death, helping ease the stress of a difficult time.

2. Tax benefits

Life insurance proceeds are generally tax-free, meaning a family would receive the full value of their policy.

3. Accidental death benefits

Many life insurance policies may pay a multiple of the face value should death occur as the result of an accident.

4. Easy to change beneficiaries

The beneficiary of a life insurance policy can be easily changed. This can be helpful in situations such as marriage, divorce, or death.

5. Potential to build cash value

Many whole life or permanent insurance policies have a cash value element that can build equity as payments are made. This is a value that can be tapped into for future opportunities and emergencies. Ask our agent if you want to build cash reserves with your life insurance policy.

Get a Life Insurance Quote Today

Because life insurance premiums are based on the insured’s age and health, it may never be more affordable than right now. If you live in the Colorado Springs, CO area and want to see how affordable it may be, contact us at Westco Insurance LLC.

We look forward to assisting you in protecting your future.

Getting Insurance Coverage for Your Custom or Classic Car

Posted on October 21, 2024October 16, 2024 by agentinsure

Classic or Custom Car Insurance: Protecting Your Unique Vehicle

Owning a classic car or customizing a modern vehicle is an investment in time and money. You need an insurance policy that mirrors your efforts and ownership. At Westco Insurance LLC in Colorado Springs, CO, we can assist you in obtaining a policy that covers your car’s uniqueness while protecting you from liability in the event of an accident.

The Necessity of Classic or Custom Car Insurance

The state of Colorado mandates that all vehicles traveling on public roads have, at a minimum, liability insurance. This means you need to have at least a minimum liability policy on your vehicle. However, there’s more to it than just meeting legal requirements.

A classic or custom vehicle isn’t as easy to repair as a regular vehicle, as off-the-shelf parts may not be readily available. Repairing such vehicles requires a specialized repair shop capable of restoring damage to the body and engine and knowledgeable in sourcing or machining parts.

What Does a Classic or Custom Auto Insurance Policy Cover?

This type of insurance offers coverage for accidents, personal injury, medical payments, and underinsured/uninsured motorists. It also includes roadside coverage so that you can get a tow or other assistance. The major distinction from traditional auto insurance is that this coverage is based on the value of your vehicle and is tailored to its unique repair needs following an accident.

Secure the Coverage You Need to Safeguard Your Investment

At Westco Insurance LLC, we understand the challenges associated with insuring unique vehicles. We specialize in insurance coverage for classics, reproductions, antiques, and customized vehicles. Contact us today to discuss your vehicle, its unique features, and the type of coverage you’re seeking. We’ll help you find a policy that protects your investment and more.

WestCo Insurance LLC

Insurance Blog

Disability Severity and Type Matter

Weigh Your Options

Does Auto Insurance Cover Property Damage?

Get Property Damage Coverage and More With Westco Insurance LLC

Business Computer Networks

Data Breaches

Get Cyber Insurance in Colorado Springs

Addressing the Uncommon

Common Add-ons for Home Insurance

Get in Touch Today

Why an Insurance Policy for Grandchildren Could Be a Good Idea

Learn More Today

Liability Insurance

Collision Insurance

Theft Insurance

Westco Insurance LLC: Serving Colorado Springs, CO

What Does Homeowner’s Insurance for Historic Homes Cover?

Contact Westco Insurance LLC for More Information

1. Quick Access to Cash Following a Claim

2. Tax benefits

3. Accidental death benefits

4. Easy to change beneficiaries

5. Potential to build cash value

Get a Life Insurance Quote Today

Classic or Custom Car Insurance: Protecting Your Unique Vehicle

The Necessity of Classic or Custom Car Insurance

What Does a Classic or Custom Auto Insurance Policy Cover?

Secure the Coverage You Need to Safeguard Your Investment

Get a Quote

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