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DIY Landscaping 

8/31/2016

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Ready to revamp the exterior of your home? Landscaping can do wonders for the value of your property. Below are some "Do It Yourself" ideas on how to get stunning yards. 

FRONT YARD

First off, if you are on a budget, start with the front yard. The backyard is where you do most of your living, but the front yard is what people see and what will add value to your home.
  • Get everything constructed before moving to the visuals. For example, you want to get your deck built and your fence up before planting delicate flowers.
  • Create a pathway to your front door with planters. This is a clean inviting look for the front. 
  • Like applying makeup to your face, plants and flowers should be used to help enhance the natural beatuy of your home, not cover it up. So make sure to plant low growing plants and keep shrubs groomed. For trees, try planting them further away from the house or on the corner of your house. This will frame your home nicely, making the house itself the point of focus instead of making the tree the showstopper. 
  • Keep in mind when planting to put plants that need sun in sunny areas and plants that don't need sun in the shady areas. Maybe even take some time to observe when the sun rises and sets and how it hits your yard during the day. Once you have done your research, start planting!
  • Change up the texture of your yard and create an eye catching display. This can be done  by coupling smooth and rough plants together and small and big leaved plants next to eachother. 
  • Give your plants the best environment to grow by prepping your soil to be loose and fertile. To help fertilize, add organic matter to your soil.

BACK YARD

The backyard is your sanctuary. So, make it nice and increase your living area by extending some square footage to the back. This will make summer nights and entertaining a dream. 
  • Give yourself extra living and entertaining space by sprucing up your backyard with decks and nice seating areas. Investing in patio furniture that will hold up against the weather is worth it!
  • Unlike the front yard, we want to use plants for privacy. So, feel free to plant higher growing plants and shrubs along the fence in your backyard.
  • Extend your kitchen to the back. Not only will this allow the chef to be apart of the outdoor fun, but cooking on a grill or sitting by a fire pit is always a crowd pleaser. 

MAKE IT LAST

Final words of advice is protect your investment. Make sure to water your plants and keep replacing  mulch as needed. This will keep your yard beautiful for years to come.
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Just Listed Broomfield Home

8/29/2016

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​Just Listed  Broomfield 80023- Asking $505,000

​Why buy new and wait ten months for a new build when this lightly lived in Taylor Morrison two story is waiting just for you! This 4 bedroom and 3 bathroom home begs for the most particular of buyers to fall in love with this decorated residence. Upon entering the foyer is the warm feeling of stunning hardwood flooring and mosaic tiled fireplace. Migrate to the gourmet kitchen with the gas cooktop, wall oven and all the quartz counter-space the Chef in you would dream of. Ascend the wrought iron staircase to the enlarged loft, 4 upper bedroom including the master suite and five piece bathroom, as well as the upper laundry room for convenience. Save your money for furniture since the front and backyard are professionally landscaped and enjoying your barbecue on the enormous concrete patio. If the kids would like to play in the park it is a stone’s throw away.

Keep up to date on this listing by visiting our Properties Page
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August 26th, 2016

8/26/2016

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Colorado is a mecca for outdoor activities and beautiful views. One place that enriches Colorado's natural beauty is Rocky Mountain National Park. Just in the backyard of Boulder, this quick day trip is perfect for seeing Colorado wildlife, ecosystems and stunning views within this massive protected land.

When you first approach the park, a visitor's center welcomes tourists and natives alike to help guide their guests to the best destinations in the park. If you want to camp, hike to waterfalls and lakes or observe animals in their natural habitats, this is a place not to miss. But, be cautious, the park is so massive, you might not be able to see everything in one day. So, get to the park early or buy a week pass to take full advantage of your admission fee.

Pictured above is Mills lake, which lies just past Alberta Falls. Not too far from the Estes Park entrance to the national park, you will come across these two stunners in the same hike. One thing that is nice about Rocky Mountain National Park is its ease for outdoor adventurists and families alike. The hike to Alberta Falls is generally mild and the trail is well kept, making it easy to maneuver and find your way up the trial. Take a moment to become mesmerized by the sound of rushing water forcing its way through large rocks before hitting the tranquil stream below. 

If you are a more advanced hiker and want to keep going, head towards Mills Lake or follow signs to the other majestic show stoppers in the area. Towards Mills Lake, about 2.5 miles from Alberta Falls, you will walk parallel to a the river, walk through forestry and pass over large rocks that have been delicately colored with mint green moss. Once at Mills Lake, prepare to soak in the peace and quiet that comes with it. The lake, which is speckled with fish, is clear and ripples gently with the light breeze that sneaks past the lake's protective mountainous walls. Sitting and relaxing, you can see how far you have traveled, as the Alpine line is all of a sudden shockingly close. 

After your trip to Rocky Mountain National Park, it might be nice to stop for a beverage or some food in Estes Park. If you are in a hurry to get back to Boulder, however, Lyons or North Broadway are great stops as well. 

For more information on Rocky Mountain National Park, visit https://www.nps.gov/romo/index.htm
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Escape to The Awe-Inspiring Seven Falls

8/22/2016

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Denver was rated as the Number one place to live by the Denver Post on March 2, 2016. And, as the city becomes more and more crowded, many people are moving to South Denver. This has especially become popular for young professionals, who have moved to the ever growing Denver Tech Center. But, when you need an escape from the city life, where should you go?

If you are looking to enjoy the outdoors, feel pampered and maybe even experience a sense of exhilaration, the Broadmoor Seven Falls is the place for you! Made from a series of seven cascading waterfalls, the Seven Falls may just be the nicest hike you will ever experience. Leading up to the falls, perfectly placed wildflowers guide your way and benches are placed along the river to relax or take advantage of a quick picnic. A general store, a restaurant and well-kept facilities can be found at the base of the falls.

Once you get to the main attraction, one stairwell, named the "Eagle's Nest" will take you high enough to be eye level with the Seven Falls. To get more intimate with the falls, travel a little further to the second stairwell. At the base of the falls, rocking chairs are placed for people to relax and watch in awe of the spectacular views and of their fellow hikers traveling to the top of the falls. Though the stairwell is steep, it is worth the travel, as it takes you arms length past each of the seven levels of the cascading falls. If you want to keep going, a trail will take you to another small waterfall further back in the woods. You can also veer left to get a great view of Colorado Springs. For thrill seekers, try zip lining across the falls!

After your hike, take some time to explore the Broadmoor hotel. You will truly feel like a royal guest when you turn into the historic hotel with what seems like miles of flowers leading up to the entrance. The hotel's grounds come complete with a pool, a large lake with paddle boats, luxuriously cushioned lounge chairs, water fountains and a restaurant with large patio seating. Nestled up against the luscious green mountains, you will not regret taking the time to enjoy every activity and amenity that the Broadmoor has to offer.
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Voice for Real Estate: Sales Peak, Rural Loans, & More

8/16/2016

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The Voice for Real Estate is NAR's bi-weekly video news series. Every two weeks, host Stephen Gasque, NAR's director of broadcasting, shines a spotlight on the top legislative, regulatory, and legal issues NAR is working on, and he will summarize recent research findings.

In this section, you will watch the "Voice for Real Estate: Sales Peak, Rural Loans, & More" posted on 8/3/16

​Included in the section:
  1. How home sales have increased in the year, but have hit a peak
  2. Condos
  3. Rural Housing Programs
  4. Money Laundering and Terrorism Financing
  5. Commercial Real Estate Lending
  6. TRID TILA RESPA Integrated Disclosure 

Watch the video now by clicking on the link above or on the link http://www.realtor.org/videos/the-voice-for-real-estate
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New Builds: Condo's at Sloan's Lake

8/12/2016

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Across from Sloan's Lake, a new 12-story condominium building is ready to start selling units. Though condos have not been built in Denver for years, this new development is expected to cater to the vast numbers of people moving to Denver and looking for urban living. The development is going to have high end finishes and amenities that include a pool, gardens and  a state of the art fitness center. 

The new development is selling their beautiful views of the mountains and lake. This, however, has caused some conflict for current residents in the area. While those moving into the new condos may get quality views, others will loose their pristine views of the mountains and now have to look at the large 12-story building instead. 

To read more about the new construction click the link or read the Denver Post article below:

http://www.denverpost.com/2016/08/08/sloans-lake-condo-tower-lakehouse-sales/

Sloan’s Lake condo tower Lakehouse to launch sales this week
12-story condo project in St. Anthony Hospital redevelopment drew earlier neighborhood ire over building’s height

By EMILIE RUSCH | [email protected]
PUBLISHED: August 8, 2016 at 5:20 pm 

One of the first large-scale condominium developments built in Denver in years will launch sales this week.

The cost of getting a slice of 12-story luxury tower across the street from Sloan’s Lake: Units in Lakehouse will start in the mid $400,000s and go up past the $1 million mark.

“We feel the condo market is strong,” NAVA Real Estate Development CEO Trevor Hines said Monday.
“People are still moving to Colorado. They’re used to a certain standard of urban living and as Denver grows, there’s just not enough condos for everybody. We want to meet that demand.”

Denver-based NAVA plans to break ground in the fourth quarter on the 206-unit  project, which at 17th and Raleigh streets anchors the northwest corner of Sloans, the seven-block redevelopment of the former St. Anthony Hospital campus.

An on-site sales center — equipped with a model kitchen and bathroom — will be open regular hours starting Friday. On Monday, crews were busy putting the finishing touches on the center, which sits on what will later become a public plaza in front of the tower.

“There’s a solid demographic of people who want this type of product — flexible, low-maintenance, beautiful, well-built, urban — but cannot find that product,” Hines said. “A lot of the interest we’ve had is from people who are paying a lot of money to live in apartments downtown, high-end apartments, but they’d rather own.”

Resident amenities at Lakehouse will include a 18,000-square-foot  outdoor deck on the third level, with an urban farm, pool, hot tub, cabanas and gardens; and a “fitness lab” with state-of-the-art exercise equipment, yoga room, sauna and juice bar.

Finishes in the one and two-bedroom condos will be modern and natural — hardwood floors, Italian cabinetry, Kitchen Aid or Jenn-Air appliances, soaking tubs and stone and tile accents. Units will range in size from 675 square feet to 2,473 square feet, and just under half the one-bedroom condos will have a den.

Designed by Denver-based RNL and Houston’s Munoz + Albin, the project is also seeking WELL certification, a third-party building standard focused on health and wellness through “air, water, nourishment, light, fitness, comfort and mind.”

About 70 percent of the building’s skin will be glass, Hines said.

“We’re going to sell fabulous views — lake to the north, mountains to the northwest through southwest and downtown to the east,” Hines said. “This location is pretty top notch for views.”

Of the 206 units, 13 will be street-level “row homes” along 17th and Stuart streets, buffering the primarily single-family residences to the west from the main 12-story tower at Raleigh Street.
That height has been a past source of neighborhood heartburn. A group of residents challenged the Denver City Council’s approval of a rezoning to allow 12 stories fronting Sloan’s Lake in court, but a judge sided with the city earlier this year.

As for the construction defect issues that have sidelined most large-scale condo development in Denver in recent years, NAVA president Brian Levitt said the company is taking the risks seriously and will not shy from making any necessary repairs.

“We’ve selected the best consultants in town and we’re really trying to build the best building we can and we’re going to document it to show we’ve done it right,” Levitt said.

That approach, however, comes at a cost reflected in the condos’ final price tag. “Being that conservative, there is an expense, but that’s how you do it,” Levitt said.

“It’s the expense of a belt and suspenders,” Hines said.

The Lakehouse sales center, 4202 W. 17th Ave.,  will be open 11 a.m. to 6 p.m. Wednesday-Sunday or by appointment starting Friday. The listing agent is Kentwood City Properties.



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Home Prices Expected to Drop in Denver

8/12/2016

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Anyone who tried to buy a home in the past year knows how crazy the Colorado housing market has been. But, according to the Denver Post, that is all about to change! For those that have struggled to afford a home in 2016,  good news is finally on the horizon.  Though homes for sale hit a record high  during the summer, the decrease in the number of new listings and sold properties by the end of July indicates a change in the market.  

In the begining of the year, many people, especially those looking for single-family homes were priced out. This lack of affordability is now being called the culprit to the decreasing inventory and, consequently the decrease in prices. As we head into the third and fourth quarter of the year, housing prices are expected to continue  on this downward trend. 

To learn more about this topic, click the link or read the Denver Post article below:

​http://www.denverpost.com/2016/08/04/home-prices-drop-metro-denver-afforability-issue/

Home prices drop in metro Denver as affordability becomes an issue.
The 7,468 active listings were the lowest total ever for July.

By TRACY M. COOK | [email protected]
PUBLISHED: August 4, 2016 at 6:47 pm

The number of metro Denver homes for sale increased 10 percent from June to July, but decreases in the number of new listings and the number sold in July indicate what could be the beginning of a seasonal market plateau.

Those drops in new listings and homes sold were accompanied by decreases in both average and median home prices, according to a report Thursday from the Denver Metro Association of Realtors. DMAR’s residential report includes single-family homes and condos.

​New listings and homes sold both dropped 11 percent from June’s report. The average price fell 2 percent to $412,000, and the median came down 3 percent to $354,000.

Single-family home prices had been rising since January. But those increases are pricing more and more people out of the market. (Additionally, rents in the Denver metro area hit an all-time high in the second quarter.)

“It’s an affordability issue,” DMAR Market Trends Committee member Steve Danyliw said of the cost of buying a home. “Prices have gotten so high. Wages aren’t keeping pace with home prices.”

And that’s not just a Denver problem, DMAR Market Trends Committee chairman Anthony Rael said.

“Affordability throughout the country is a major issue right now,” Rael said. “The rest of the country is nipping on the heels of what we’ve been going through.”

While the fundamentals of a balloon bursting aren’t there, Danyliw said, the housing market will have to start slowing down.

“We’re going to hit that line in the sand,” Danyliw said. “That is going to be the catalyst for things to slow in the third and fourth quarters of this year.”

Real Estate Economics chief economist Mark Boud last month predicted an end to the double-digit gains in metro-area home prices in the second half of the year. While home prices fell month-over-month, DMAR’s July report shows the price of single-family homes and condos are up 12 percent compared with July 2015.

July set a same-month record low for active real estate listings with 7,468. The high of nearly 32,000 listings was set in July 2006. DMAR’s inventory numbers date back to 1985, Danyliw said.

New listings for single-family homes dropped 13 percent from June. New listings for condos fell 4 percent. The number of days properties spent on the market remained relatively stable in July, at 25 days for single-family homes and 22 days for condos.

For the month, 127 single-family homes sold at closing prices of $1 million or more. That’s down 16 percent from June but up 18 percent over July of last year.

“Price reduction was a common term seen in the luxury market, as sellers made adjustments in response to an overall slowdown,” DMAR Market Trends Committee member Jill Schafer said in the report.

The average luxury home price was more than $1.5 million, for a total volume of $193.4 million. The highest priced single-family home sold last month was a seven-bedroom, 11-bathroom Denver Country Club property that went for $5.6 million.


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Implications of Ikea's NEW Broomfield Location

8/12/2016

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It was announced at the beginning of August that Ikea plans to cater to the Northern Denver Metro area with a second Denver location.  With an estimated 2019 open date, the store will be built in Broomfield off Baseline Rd. and 1-25.

However, this announcement has significant positive and negative impacts on Broomfield residents.

On the positive side, Ikea's goal to add a second location in the same metro area - which is unusual for a giant retail store - shows Denver's successful economy and competitive housing market. It showcases how, with hundreds of thousands of people moving to Colorado each year, demand for large retailers like this is growing as well. 

The store also estimates to bring in "more than 500 jobs during the construction phase" and "250 employees to staff the store once it's complete." This is a huge employment opportunity for people looking to relocate to the area.

On the downside, however, is the disruption it will bring to residents in the area. The company has stated that the building will look the same as all of the other Ikea stores. While positive for Ikea's branding, the large warehouse building will no doubt be an eye sore to 1-25 and East Baseline Rd. Expected to bring in "about 2.3 million visits per store," the traffic in the area will also become unbearable. 

To read more about Ikea's announcement, click the link or read the article written in the Daily Camera below:

http://www.dailycamera.com/broomfield-news/ci_30204661/ikea-eyes-broomfield-site-second-denver-area-store
​
Ikea eyes Broomfield site for second Denver-area store
Broomfield mayor says retail outlet could open in 2019 at I-25 and East Baseline Road

By Jennifer RiosStaff Writer
POSTED:   08/04/2016 08:29:03 AM MDT 
​

Swedish furniture giant Ikea announced Thursday that it has identified a site in Broomfield as a possible location for its second superstore in the Denver metro are.
Ikea is considering a 123-acre parcel near Interstate 25 and East Baseline Road, but has not determined a timeframe for either submitting store plans to Broomfield, or when it might open a retail outlet at that location.
Broomfield Mayor Randy Ahrens said the store will be on the northwest corner of that intersection — north of Colo. 7 and west of I-25.
He believes it could open in 2019.
"The city and county of Broomfield is thrilled to welcome an internationally known, adored and respected retail partner to our community," Ahrens said.
Ikea already operates a store at I-25 and East County Line Road in Centennial. That location opened in 2011.
When Ikea first looked at the Denver metro area, Ahrens said, every community was trying to lure the retailer
"At that time they indicated they would eventually like to have two sites, one south and one north. They opted for the southern location first in Cenntennial," he said.
The property currently is held by Northlands Colorado, which is owned by Alberta Development Partners LLC, said Bo Martinez, Broomfield's director of economic development. The owner put the land up for sale this year.
Ikea would be the lead anchor for Broomfield's Regional Retail Center, a plan first established in the mid-1990s that would fill the area with mixed-use development.
"We see not only that corner, but that area as a retail destination in metro Denver," Martinez said. "We see (Ikea) as the anchor of future retail."
This past year, Broomfield has been working with the Swedish retailer on a site in the community, and, in the spring, the company told Broomfield its intentions.
'Huge economic impact'
Founded in 1943, Ikea today has nearly 330 stores in 43 countries, with 42 locations in the U.S., according to the company's 2015 annual report. The retailer reported 771 million store visits last year — an increase of 7.7 percent over 2014. On average, that would mean about 2.3 million visits per store.
Longmont-based retail analyst Jon Schallert called that kind of growth "really amazing."
"That's just a huge economic impact," he said.
Broomfield, Schallert said, should be doing cartwheels right now.
It's unusual for a giant retailer like Ikea to have two superstores in the same metro area, Schallert noted.
Cabela's has done it in Denver, with outlets at the north and south ends of the metro area. Each store has a different concept, and each pulls sales from different areas.
"I think that's what's going to happen with Ikea, too," Schallert said.
Ikea's Centennial store will pull from the southwestern mountain region, while the new store will serve the Fort Collins area, Nebraska and Wyoming.
"It's an interesting dynamic in the world of retailing when a big retailer like this starts even contemplating this type of move," Schallert said. "Normally what happens like in Portland, Ore., or Seattle, they've got one store.
"Here, if they're thinking about two stores, it's the right customer base and they see the right growth opportunities."
It shows the company isn't afraid the two stores will cannibalize each other's sales, he said. Companies "just aren't doing" this type of retail expansion, he added.
"Ikea wouldn't even be talking about this if they hadn't done their homework and if they weren't significantly confident that this large risk is going to pay off," Schallert said. "When a company does that and leads the way into a marketplace, other companies with less resources will do the same and follow suit."
Unique shopping experience
That appears to be what Broomfield officials are hoping will happen.
Ahrens said the proposed Ikea site is designated for regional retail and other complementary mixed uses, and Ikea will certainly be a major catalyst to increasing economic development goals and will "bring a unique shopping" experience to Broomfield.
Ikea, in a news release, said its proposed store is being incorporated into Broomfield's master-planned Regional Retail Center along the I-25 corridor.
The company notes that the "land contiguous to the potential Ikea store eventually could be developed to accommodate opportunities for ancillary commercial, retail or residential uses."
"We are excited at the opportunity for a potential second Denver-area Ikea store at this location in Broomfield," Ikea U.S. President Lars Peterson said in a statement. "A store in this retail corridor would complement our strong presence established in Centennial and eventually provide customers in the northern part of the Front Range an Ikea store closer to them."
There will be meatballs
Ikea estimates a Broomfield store would bring more than 500 jobs during the construction phase, followed by the hiring of about 250 employees to staff the store once it's complete.
The store in Broomfield "would reflect the same unique architectural design for which Ikea is known worldwide," the company said. It would feature nearly 10,000 exclusively designed items, 50 "inspirational room settings," three model home interiors, a children's play area and a restaurant serving Swedish specialties including meatballs with lingonberries and salmon plates.
Broomfield will be working with Ikea over the next few years to prepare the way for construction, Ahrens said, and with state and local partners to bring multi-modal transportation connections to the store.
"Something could change, but we've already done some things with that land up there to make it amenable for Ikea to move in," he said.
There are also existing incentives for the urban renewal area Ikea is moving into, he said.
As for the future economic impact to Broomfield, Centennial, home to the Denver area's current Ikea store, only offers vague clues.
Centennial officials said that store has been successful, but they can't release sales-tax revenue figures to quantify that success.
"It's part of our code," Centennial spokeswoman Allison Wittern said. "The information is confidential unless it's requested by a court or the taxpayer, which would be Ikea."
"I know the store has done very well since opening," she said. "I think based on the success they're perusing a second store in Colorado."
Jennifer Rios: , [email protected] or 

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Types Of Home Insurance

8/10/2016

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It is worth the investment of buying homeowners insurance to protect your house and, with some plans, the personal belongings within it? Generally, the answer, without a doubt, is "Yes." But what is the best plan for you? Read the types of home insurance below to find the best way to protect your assets.

Let's start with some terminology:
  • Personal Liability Insurance: Any injury to a person or property that you are legally responsible for. (ie. if someone slips on your driveway, personal liability insurance will legally protect you).
  • Perils: Are causes of damage to your home.
  • ​Types of Perils:
  1. Fire or Lightning
  2. Wind storm or Hail
  3. Explosion
  4. Riot or Civil Commotion
  5. Aircraft
  6. Vehicles
  7. Smoke
  8. Vandalism or Malicious Mischief
  9. Theft
  10. Volcanic Eruption
  11. Falling Objects
  12. Weight of Ice, Snow, or Sleet
  13. Accidental Discharge or Overflow of Water or Stream
  14. Sudden & Accidental Tearing Apart, Cracking, Burning, or Bulging
  15. Freezing
  16. Sudden & Accidental Damage from Artificially Generated Electrical Current

Types of Home Owners Insurance:

The two forms of insurance below only coverage damages that are specifically listed and do not insure personal belongings:
  1. HO-1: This is a very basic coverage that covers damages 1 to 10 as listed above, but does not include homeowners personal liability insurance. 
  2. HO-2: This is a broad coverage policy. This form of insurance covers the damages 1 to 16 as listed above to the house and other structures of the property such as a fence. It also includes Personal Liability Coverage. 
Below are the most popular home insurances:
  1. HO-3: This type of insurance protects against all exterior damages, damages to other structures on the property and protects personal belongings. The policy also included Personal Liability Coverage. But, be cautious to read any excluded damages, as those will be outlined in the policy. If there is something extra that needs to be covered, this can be done with a home insurance rider that will be discussed below. 
  2. HO-5: This insurance is more expensive, but one of the best coverage programs in America. It covers the home and its personal belongings, which is not covered by HO-3. Make sure to read the policy's Exclusion List to find any damaged not covered.
​Exclusion List for Your Home & Contents:
  1. Earth Movement (earthquake coverage can be added by endorsement)
  2. Ordinance or Law (some coverage may be provided in your policy)
  3. Water Damage (Sudden & Accidental Water Damage is automatically included; others can be endorsed onto the policy)
  4. Power Failure
  5. Neglect
  6. War
  7. Nuclear Hazard
  8. Intentional Loss
  9. Government Action
  10. Collapse (some coverage may be provided in your policy)
  11. Theft to a Dwelling Under Construction
  12. Vandalism or Malicious Mischief (only if vacant more than sixty days)
  13. Mold, Fungus, or Wet Rot (some coverage may be provided in your policy)
  14. Wear & Tear, Deterioration
  15. Mechanical Breakdown
  16. Smog, Rust & Corrosion
  17. Smoke from Agricultural Smudging & Industrial Operations
  18. Discharge, Dispersal, Seepage of Pollutants
  19. Settling, Shrinking, Bulging, or Expanding
  20. Birds, Vermin, Rodents, Insects
  21. Animals Owned by Insured
Below are not considered traditional homeowner's insurances options. They are specified for renters and condominiums and only cover belongings.:
  1. HO-4: Insurance for renters. This covers only belongings within the home and personal liability for the insured tenant.  
  2. HO-6: Insurance for a condominium. This covers belongings within the home and includes personal liability insurance. it also covers damages 1 to 16.
Below is insurance for older homes:
  1. HO-8: This insurance policy is for old homes and includes damages 1 to 10. This will keep the value of your home safe from perils. It is best to confirm if the policy is covering you at actual cash value or replacement cost in order to get the best coverage for you. 
Below are damages that may not be covered in your insurance policy:
  1. Water Damage in accordance to water backups, foundation or slow leaks. To supplement this coverage into your plan, refer to the home insurance riders listed below.
  2. Earthquake or Flood Damage needs to be supplemented by a separate policy.
Below are a list of Home Insurance Riders that can supplement damages not covered in the policies above to ensure your complete coverage: 
  1. Income Property: If you rent out parts of your property, those areas can be covered under this policy. 
  2. Secondary Residence Premises Endorsement: This is secondary insurance for your vacation home comes at a lower rate if coupled under a rider to your primary home.
  3. Theft Coverage Protection Endorsement: Though theft is coverage in the above insurance policies, for extra protection of your personal belongings, this policy is good to consider. 
  4. Home Business: If you work out of your home, protect your business belongings with this add on rider. 
  5. Watercraft and Recreational Vehicles: This protects you against loss of a water or recreational vehicle that is stored at your home.
  6. Sewer and Drain Back-Up: If you home is older or has a sump pump or septic tank, this rider is worth the extra cost to protect against unexpected damage to your home from sewage back-ups. 
  7. Inflation Guard: This rider adds a percentage to your home's value each year, protecting your investment and allowing it's value to rise with current inflation periods. If you have to rebuild your home due to unexpected damages, you won't be outpaced by the current market. 
  8. Guaranteed Replacement Cost Rider: This will allow you to rebuild your home at its calculated replacement cost to rebuild the home.   
  9. Law and Ordinance: This rider deals with codes. With this rider, your home will be rebuilt in line with the current guidelines for code and ordinances so you aren't being over charged. 

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Water Sports In Colorado

8/10/2016

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Chatfield State Park:

Activities: Hiking, biking, boating, camping, riding a horse and flying a model airplane.
Where: Just off C-470 in Littleton, under the foothills in southwest Denver.
Boats Accepted: Water ski boats, fishing boats, sail boats, jet skis,canoes and kayaks are all welcome.
Winter Sports: Cross country skiing
Amenities: Boat rentals, a floating restaurant and marina.
Camping: There are 197 campsites with electrical hookups in 4 of the campgrounds. All campsites come equipped with grills, picnic tables and facilities with toilets and showers.
Hours: 5 am - 10 pm year round.
Wildlife: Deer, elk and spectacular bird watching.

Boulder Reservoir:

Size: 700 acres.
Hours: May 28 - September 5 2016, from 5:30 am - 9 pm.
Fees: Youth ($4), Adult ($7), Senior ($5).
Activities: Boating, swimming, water skiing, fishing, biking and running.
Where: Nestled under the Flatirons in North Boulder off of Hwy 119 and Jay Rd.
Amenities: Concession stand, showers, restrooms, parking, volleyball and paddle boats. 
Events: It is easy to host big parties by reserving one of the picnic areas for your next event.
Nearby Restaurants: Located just 10 minutes from Pearl St., the Bolder Reservoir is located to great restaurants that will satisfy foodies and families alike. 

Cherry Creek State Park:


Where: Close to downtown Denver on Parker Rd. 
Activities: Swimming, grilling, biking and camping. 
Amenities: Ice, gas, food and drinks, restrooms, showers, convenience store and boat maintenance. 
The Marina: The Marina at Cherry Creek State Park offers live music, a full bar and great food every Wednesday.
Boats Provided: Pontoon boats, jet skis, canoes, kayaks, paddle boards and fishing boats
Size: 880 acres and 4,200 acres of open space.
Events: A 10,000 sq ft event center is available to reserve for large parties.
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