When it comes to managing your finances and ensuring you’re adequately protected, understanding your insurance deductibles is crucial. Whether it’s health, auto, or home insurance, knowing how much you’ll need to pay out-of-pocket before your coverage kicks in can significantly impact your financial planning and peace of mind.

What is a Deductible?

A deductible is the amount you are required to pay out-of-pocket for covered expenses before your insurance policy begins to pay. For example, if you have a $500 deductible on your auto insurance and you file a claim for $2,000 in damages, you will need to pay the first $500, and your insurance will cover the remaining $1,500.

Why Understanding Your Deductibles Matters

1. Financial Planning:
   • Budgeting: Knowing your deductible helps you budget for potential expenses. If you understand the amount you might need to pay in the event of a claim, you can set aside funds to cover these costs, avoiding financial strain.
   • Emergency Fund: It’s wise to have an emergency fund that can cover your deductible. This ensures that you are prepared for unexpected events without disrupting your financial stability.
2. Choosing the Right Policy:
   • Cost vs. Coverage: Higher deductibles typically mean lower monthly premiums, while lower deductibles result in higher premiums. Understanding this trade-off allows you to choose a policy that aligns with your financial situation and risk tolerance.
   • Policy Comparison: When comparing insurance policies, knowing the deductibles helps you make informed decisions. A policy with a lower premium might seem attractive, but if it comes with a high deductible, it might not be the best choice for your needs.
3. Avoiding Surprises:
   • Claim Process: Being aware of your deductible prevents unpleasant surprises when you file a claim. Knowing what to expect financially can make the claims process smoother and less stressful.
   • Coverage Limits: Understanding your deductible also helps you comprehend the full extent of your coverage. This knowledge ensures that you are not caught off guard by out-of-pocket expenses that you assumed were covered.
4. Encouraging Responsible Use:
   • Preventive Measures: High deductibles can encourage more responsible use of insurance. For instance, with health insurance, you might be more inclined to engage in preventive care and healthy behaviors to avoid high out-of-pocket costs.
   • Claim Frequency: Understanding your deductible can influence how often you file claims. For minor damages or losses, you might choose to pay out-of-pocket rather than filing a claim, which can help keep your premiums lower over time.

Conclusion

Understanding your insurance deductibles is a fundamental aspect of managing your financial health and ensuring you are adequately protected. By knowing how much you need to pay out-of-pocket, you can make informed decisions about your insurance policies, budget effectively, and avoid unexpected financial burdens. Take the time to review your insurance policies and understand your deductibles today—your future self will thank you.

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Aspen Insurance Agency is a family-run business in Denver, CO servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, commercial and professional insurance to residential and commercial insurance customers. Call to speak to one of our insurance advisors and see how painless insurance shopping can be.

Let’s face it: insurance isn’t the most thrilling topic. But it’s a necessary part of responsible adulting. And if you’re like most people, you’re looking for ways to save money without sacrificing essential coverage. That’s where bundling your auto and home insurance comes in.

At Aspen Insurance Agency, we’ve seen firsthand how bundling can benefit our clients. It’s not just about saving a few bucks; it’s about simplifying your life and ensuring you have comprehensive protection.

What is Bundling, anyway?

Simply put, bundling means purchasing multiple insurance policies from the same provider. In this case, you’re combining your auto insurance and your homeowners (or renters) insurance under one umbrella.

The Perks of Bundling: More Than Just a Discount

While the most obvious advantage is cost savings, bundling offers several other benefits:

• Significant Savings: This is the big one! Insurance companies often offer substantial discounts for bundling policies. These discounts can range from a few percentage points to significant savings on your overall premium. Think of it as a loyalty reward for consolidating your coverage.
• Simplified Management: Dealing with multiple insurance companies can be a headache. Bundling streamlines your insurance experience. You’ll have one point of contact, one billing cycle, and one online portal to manage your policies. This simplifies everything from paying bills to filing claims.
• Comprehensive Coverage: Bundling encourages you to review your overall insurance needs. This can lead to identifying potential gaps in coverage and ensuring you have adequate protection for all your assets.
• Easier Claims Processing: If you need to file a claim, dealing with one company is generally smoother and faster than dealing with multiple insurers. In some cases, if a single event affects both your home and vehicle, having bundled policies can simplify the claims process.
• Increased Loyalty and Relationship Building: When you bundle, you build a stronger relationship with your insurance provider. This can lead to better customer service and personalized attention.

Who Should Consider Bundling?

• Homeowners and Renters: If you own or rent a home, you need homeowners or renters’ insurance. If you also own a vehicle, bundling is a no-brainer.
• Anyone Looking to Save Money: Who doesn’t want to save money? Bundling is a simple way to reduce your insurance costs.
• Those Seeking Simplicity: If you’re tired of juggling multiple insurance policies, bundling can simplify your life.

What to Consider When Bundling:

• Compare Quotes: Even with bundling discounts, it’s essential to compare quotes from multiple insurance providers. Make sure you’re getting the best value for your money.
• Review Your Coverage: Take this opportunity to review your current coverage and ensure it meets your needs. Don’t sacrifice essential coverage for a lower price.
• Ask Questions: Don’t hesitate to ask your insurance agent about bundling discounts and any other questions you may have.

Ready to Bundle and Save?

At Aspen Insurance Agency, we’re here to help you find the right insurance solutions for your needs. Contact us today for a free quote and see how much you can save by bundling your auto and home insurance. We’ll walk you through the process and help you find the best coverage at the best price.

Don’t miss out on the opportunity to simplify your life and save money. Bundling your insurance is a smart move that can provide peace of mind and financial benefits.

Imagine the unthinkable: a fire, a flood, or a break-in. In the aftermath of such an event, the emotional toll is immense, but the practical challenges of recovering your losses can be equally daunting. One of the most overwhelming tasks is trying to remember everything you owned, from everyday items to cherished heirlooms. This is where the invaluable practice of documenting your belongings comes in. Creating a comprehensive inventory of your possessions, though it may seem time-consuming initially, can be a lifesaver in the event of a loss, simplifying insurance claims, preserving precious memories, and providing invaluable peace of mind. This blog post will guide you through the process of effectively documenting your belongings, offering practical tips and strategies to ensure you’re prepared for whatever the future may hold.

Benefits of Documenting Your Belongings:

• Streamlined Insurance Claims: Detailed records facilitate a smoother and more efficient claims process in the event of a loss.
• Preservation of Memories: Photographs and videos capture the sentimental value of your possessions beyond their monetary worth.
• Enhanced Peace of Mind: Knowing you have a comprehensive inventory of your belongings provides a sense of security and preparedness.

How to Document Your Belongings:

• Conduct a Thorough Home Inventory: Systematically walk through each room, capturing video and photographs of your possessions.
• Detail Valuable Items: Pay particular attention to high-value items such as jewelry, electronics, artwork, antiques, and collectibles. **Coverage for high-value items can vary by carrier. If you have concerns about how your valuable belongings are covered, please let us know, and we can assist you in verifying your coverage.
• Record Essential Information: Include brand names, model numbers, purchase dates, and any relevant details for each item.
• Securely Store Your Records: Maintain a secure backup of your documentation, such as a fireproof safe, cloud storage, or an offsite location.

Tips for Effective Documentation:

• Utilize a High-Quality Camera: Utilize a smartphone or digital camera to capture clear and detailed images and videos.
• Narrate Your Recordings: Verbally describe each item and its features while recording.
• Implement a Consistent Filing System: Organize your documentation for easy retrieval and future reference.
• Regularly Update Your Records: Review and update your inventory annually or after significant acquisitions.

These proactive measures can provide significant peace of mind and profoundly minimize the burden of recalling your destroyed belongings in the event of an unexpected loss. If you have any questions about these suggestions or your policy details, please do not hesitate to reach out and we would be more than happy to help!

Aspen Insurance Agency is a family run business in Denver, CO servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our insurance advisors and see how painless insurance shopping can be.

Driving Safely While Pregnant: Essential Tips for Expecting Mothers

Pregnancy is an exciting time filled with many changes, including how you approach everyday tasks like driving. While it’s generally safe for most pregnant women to drive, here are some essential tips to help you stay safe behind the wheel during pregnancy.

1. Wear Your Seatbelt Properly

One of the most important things you can do while driving is to wear your seatbelt correctly. During pregnancy, the seatbelt should be positioned slightly differently:

• Lap belt: Place it under your belly, across your hips, and snug against your pelvis. Never let it rest over your stomach, as this could put pressure on your uterus in the event of a sudden stop.
• Shoulder belt: Make sure the shoulder strap lies between your breasts and off to the side of your belly. It should never go behind your back or under your arm.

By wearing your seatbelt properly, you protect both yourself and your baby in case of an accident.

2. Adjust Your Seat for Comfort and Safety

As your belly grows, you may need to adjust your seat to maintain a safe and comfortable driving position. Here are some tips:

• Distance from the steering wheel: Sit as far back from the steering wheel as possible while still being able to reach the pedals comfortably. Aim for at least 10 inches between your chest and the steering wheel to minimize the risk of injury from the airbag if it deploys.
• Backrest angle: Keep the backrest of your seat in a fairly upright position to support your back and prevent slouching. Good posture helps with back pain and ensures you stay alert and comfortable during your drive.

3. Take Frequent Breaks

During pregnancy, sitting for long periods can cause discomfort, swelling, and even increase your risk of blood clots. If you’re planning a long drive:

• Take breaks every 1-2 hours: Step out of the car to stretch your legs, walk around, and encourage blood circulation.
• Stay hydrated: Dehydration can make you feel tired or light-headed, so keep a water bottle handy and drink regularly.

4. Be Aware of Fatigue and Nausea

Many pregnant women experience fatigue, morning sickness, or dizziness, especially during the first and third trimesters. It’s important to listen to your body and avoid driving if you’re feeling unwell. Here are some practical tips:

• Avoid peak nausea times: If you tend to feel nauseous in the morning or after meals, try to schedule driving around those periods.
• Pull over if needed: If you feel nauseous, dizzy, or fatigued while driving, pull over to a safe spot and take a break until you feel better.

5. Watch for Swelling and Discomfort

As pregnancy progresses, it’s common for women to experience swelling in their feet and ankles. This can make driving uncomfortable, especially on longer trips. To combat swelling:

• Wear comfortable shoes: Opt for shoes that provide good support and avoid heels or overly tight footwear.
• Elevate your feet during breaks: When you stop for a rest, try elevating your feet to reduce swelling.

6. Know When to Stop Driving

While most women can continue driving throughout pregnancy, there may come a point when it’s no longer safe or comfortable. You should consider stopping if:

• You have a high-risk pregnancy, and your doctor advises against driving.
• You’re experiencing frequent dizziness, fainting spells, or contractions.
• Your belly is so large that it’s difficult to fit behind the steering wheel comfortably, even with adjustments.

In these situations, it might be safer to rely on a partner, family member, or public transportation.

7. Have an Emergency Plan in Place

While driving, it’s always good to be prepared, but this becomes even more crucial during pregnancy. Keep the following in mind:

• Emergency contact: Have an emergency contact programmed into your phone and accessible at all times.
• Hospital bag: As you near your due date, it’s smart to keep a small hospital bag with you, especially if you’re taking long trips.
• Know your route: Plan your routes ahead of time and be aware of nearby hospitals in case of an emergency.

Conclusion

Driving while pregnant can be perfectly safe if you take a few extra precautions to protect yourself and your baby. By adjusting your seat, wearing your seatbelt properly, staying aware of your body’s signals, and planning for emergencies, you can continue to drive confidently and comfortably throughout your pregnancy. Always consult with your doctor if you have any concerns about your specific situation. Stay safe on the road, and enjoy this special time!

Aspen Insurance Agency is a family run business in Denver, CO servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our insurance professionals and see how painless insurance shopping can be.

Whether you’re a business owner or a homeowner, maintaining the integrity of your property’s roof is essential for protecting your investment and ensuring the safety of occupants. Here are some valuable roof maintenance tips tailored for both commercial and residential properties:

• Regular Inspections: Schedule routine inspections at least twice a year for both your business and home. Check for any signs of damage, including loose or missing shingles, cracks, and leaks. Addressing issues promptly can prevent costly repairs down the line.

• Clear Debris: Keep your roof clear of debris such as leaves, branches, and trash. Debris accumulation can clog gutters and downspouts, leading to water buildup and potential roof damage. Regularly clean gutters and remove debris to maintain proper drainage.

• Trim Surrounding Trees: Overhanging branches can pose a threat to your roof, especially during storms or high winds. Trim trees near your property to prevent branches from scraping against or falling onto the roof, minimizing the risk of damage.

• Insulate and Ventilate: Proper insulation and ventilation are crucial for both commercial and residential roofs. Ensure adequate insulation to regulate indoor temperatures and prevent ice dams in colder climates. Proper ventilation helps reduce moisture buildup, prolonging the lifespan of your roof.

• Professional Maintenance: Consider hiring a professional roofing contractor for comprehensive inspections and maintenance. Experienced professionals can identify potential issues early on and provide expert solutions to extend the life of your roof.

Whether you’re managing a commercial property or maintaining your family home, prioritizing roof maintenance is key to protecting your investment and ensuring long-term durability.

Aspen Insurance Agency is a family-run business in Denver, CO servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our insurance professionals and see how painless insurance shopping can be.

Spring is the perfect time to revive your home after the long winter months. As nature comes back to life, it’s also a great opportunity to ensure your home is in top condition. Here are some essential spring home maintenance tips to help you kick off the season with a fresh start:

1. Inspect Your Roof: Winter weather can take a toll on your roof, so it’s important to check for any signs of damage such as missing or damaged shingles, leaks, or debris buildup. Addressing any issues early can prevent further damage and costly repairs down the line.

2. Clean Gutters and Downspouts: Gutters and downspouts can get clogged with leaves, debris, and ice dams during the winter, leading to water damage and potential flooding. Clean them out thoroughly to ensure proper drainage and prevent water from seeping into your home’s foundation.

3. Check Exterior Walls and Foundation: Inspect the exterior walls and foundation for cracks, gaps, or signs of water damage. Seal any cracks to prevent moisture intrusion and potential structural issues.

4. Service Your HVAC System: As the weather warms up, it’s time to switch from heating to cooling. Schedule a professional HVAC service to clean and inspect your system, change air filters, and ensure it’s running efficiently.

5. Inspect and Clean Outdoor Ventilation: Check vents, chimneys, and exhaust fans for any obstructions or debris buildup. Proper ventilation is essential for indoor air quality and to prevent fire hazards.

6. Test Smoke and Carbon Monoxide Detectors: Ensure the safety of your family by testing smoke and carbon monoxide detectors and replacing batteries if needed. It’s crucial to have functioning detectors in place to alert you to potential hazards.

7. Trim Trees and Bushes: Trim any overgrown trees and bushes near your home to prevent damage from branches rubbing against the roof or siding during windy conditions. This also helps improve curb appeal and allows more sunlight into your home.

8. Inspect and Clean Outdoor Furniture: Dust off outdoor furniture, inspect for any damage, and clean with mild soap and water. Proper maintenance will extend the life of your outdoor furniture and make it more enjoyable to use during the warmer months.

9. Check and Repair Deck or Patio: Inspect your deck or patio for any signs of wear and tear such as loose boards, cracks, or rotting wood. Make necessary repairs and consider sealing or staining to protect against moisture and UV damage.

10. Prevent Pest Infestations: Spring is when pests become more active, so take preventive measures to keep them out of your home. Seal cracks and openings, remove standing water, and trim back vegetation to deter pests from entering your home.

By completing these spring home maintenance tips, you can ensure that your home is ready to embrace the season. Taking proactive steps now will not only enhance the beauty and functionality of your home but also help prevent costly repairs in the future.

Aspen Insurance Agency is a family-run business in Denver, CO servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our insurance professionals and see how painless insurance shopping can be.

Wildfires can be devastating, engulfing everything in their path and posing a significant threat to homes and lives. With climate change intensifying fire seasons, it has become more important than ever to take proactive measures to protect our homes from potential wildfires. There are several practical steps and strategies to safeguard your home and family from the destructive force of wildfires.Sh

1. Create Defensible Space

Creating a defensible space around your home is one of the most effective ways to reduce the risk of wildfire damage. Clearing flammable vegetation and debris around your property will create a buffer zone, slowing the spread of the fire towards your home. Here’s how to do it:

• Trim Trees and Shrubs: Regularly trim branches, especially those within 15 feet of your home. This prevents fire from jumping from trees to your house.
• Clear Vegetation: Remove dry grass, leaves, and other flammable materials from your yard.
• Maintain Your Lawn: Keep your lawn well-watered and mowed regularly to reduce fuel for wildfires.
• Create Fuel Breaks: Consider adding non-flammable materials, such as gravel or rocks, to separate your home from vegetation.

2. Fire-Resistant Landscaping

Choose fire-resistant plants for your garden to decrease the risk of ignition. Opt for plants with high moisture content, low resin content, and those that don’t accumulate dead leaves. Some fire-resistant plants include deciduous trees, aloe, yucca, and succulents.

3. Install Ember-Resistant Vents

Embers from wildfires can enter your home through vents and spark fires inside. Installing ember-resistant vents can prevent this from happening. These vents have fine mesh screens that keep embers out while allowing air to flow.

4. Use Fire-Resistant Building Materials

When constructing or renovating your home, use fire-resistant building materials whenever possible. Class A fire-rated roofing, non-combustible siding, and tempered glass windows can significantly reduce the risk of your home catching fire during a wildfire.

5. Maintain Your Roof and Gutters

Regularly inspect and maintain your roof and gutters. Remove dead leaves, pine needles, and debris that can easily catch fire. Consider installing gutter guards to prevent debris buildup.

6. Keep Emergency Supplies Ready

Create an emergency kit that includes essentials like first aid supplies, a flashlight, batteries, non-perishable food, water, and important documents. Keep this kit easily accessible so you can grab it quickly if you need to evacuate.

7. Develop an Evacuation Plan

Plan and practice an evacuation route with your family. Designate meeting points and ensure everyone knows how to leave the area quickly and safely. Stay informed about wildfire alerts and warnings from local authorities.

8. Install Sprinkler Systems

Consider installing an exterior sprinkler system to wet the perimeter of your home during a wildfire. This can create a moisture barrier and help protect your home from embers.

9. Stay Informed

Pay attention to weather forecasts and wildfire updates in your area. Many regions have apps and websites that provide real-time information about fire conditions and evacuation orders.

Conclusion

While it’s impossible to completely eliminate the risk of wildfires, taking proactive steps to protect your home can significantly reduce the potential damage. By creating defensible space, using fire-resistant materials, and staying informed, you can safeguard your home and family from the threat of wildfires. Remember, preparedness is key, and every effort you make counts towards ensuring the safety and security of your loved ones and your property.

In today’s world, ensuring the safety and security of your property is not just a matter of protection; it’s also about minimizing potential liability risks. Let’s delve into some key insights and strategies to help you safeguard your premises effectively.

Premises security involves implementing measures to protect your property, assets, and occupants from various threats, including theft, vandalism, and unauthorized access. By maintaining adequate security protocols, you create a safer environment for everyone while also reducing the risk of potential liabilities.

Key Factors to Consider

1. Risk Assessment: Conducting a thorough risk assessment is essential for identifying vulnerabilities and determining areas of improvement in your premises security. This involves evaluating the layout of your property, existing security measures, and potential threats.

2. Physical Security Measures: Implementing physical security measures such as access control systems, surveillance cameras, and perimeter fencing can significantly enhance the security of your premises. These measures act as deterrents to intruders and provide valuable evidence in case of incidents.

3. Personnel Training: Properly trained staff play a crucial role in maintaining premises security. Ensure your employees are trained on security protocols, emergency response procedures, and customer interaction to prevent security breaches and handle incidents effectively.

4. Emergency Preparedness: Developing and regularly reviewing emergency response plans is vital for addressing various scenarios, including natural disasters, fires, and security threats. Being prepared and having clear protocols in place can minimize the impact of emergencies and protect both individuals and property.

Property owners and businesses can face significant liability risks if someone is injured or harmed on their premises due to inadequate security measures. Factors such as the foreseeability of the threat, the adequacy of security measures, and the property owner’s response to known risks are taken into account when determining liability.

Investing in premises security is not only about protecting your property and assets but also about mitigating potential liability risks. By implementing comprehensive security measures, conducting regular assessments, and staying proactive, you can create a safer environment for everyone while reducing the likelihood of facing legal repercussions.

Remember, prioritizing security today can save you from costly consequences tomorrow.

If you have any questions or would like to learn more about premises security and liability, please don’t hesitate to contact us.

Stay safe and secure!

Aspen Insurance Agency is a family-run business in Denver, Colorado servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the best rates available. Call to speak to one of our insurance advisors for home or business insurance and see how painless insurance shopping can be.

Phishing is a type of online scam where cybercriminals send fraudulent emails or messages to trick individuals into giving away personal information like passwords, credit card details, or social security numbers. Their ultimate goal is to steal money or commit identity theft.

Check the Sender’s Email Address

Phishing emails often come from fake email addresses that may look like those of legitimate companies. To check if an email is legitimate, look at the sender’s email address. If it doesn’t match any known company domains or addresses, then you should be wary of opening the message and clicking on any links within it.

Look for Urgent or Threatening Language

Scammers often use urgent or threatening language to create a sense of urgency and get you to act quickly. Be wary of emails that demand immediate action or threaten consequences if you don’t comply with their requests. The following are examples of phishing emails:

“Your account will be locked if you do not update your information by [date].”

“We have detected suspicious activity on your account.”

Check for Spelling and Grammar Errors

Phishing emails often contain spelling and grammar errors. Legitimate companies usually have professional copywriters who ensure their emails are free of errors, so if you see one with a typo or two in it, that’s a good sign that something might be off.

Verify the Link’s Destination

To verify the destination of a link, hover your mouse over it. If the URL doesn’t match what you expect to see (for example, if it’s not https://www.google.com but instead something like http://wwwgooglecom), then it’s likely a phishing attempt. It’s safest to always type the URL into the browser yourself instead of clicking links unless it’s an email you expected.

Don’t Give Out Personal Information

Another thing to look out for is the request for sensitive personal information. Legitimate companies never ask for passwords or social security numbers via email, so if you receive an email that does, it’s probably a phishing scam.

Be wary of any email that asks for this type of information. If you’re not sure if it’s a real email, do some research on the company and call them directly before responding to any emails from them in the future!

Check for Generic Greetings

Phishing emails often use generic greetings like ‘Dear Customer’ instead of addressing you by name. Legitimate companies usually address their customers by name, so if you receive an email that does not use your name, it could be a phishing scam.

Be on the lookout for generalizations and vague statements in emails from companies you do business with. For example: “We need to verify some information about your account.”

If you have any doubts about whether an email is legitimate or not, contact the company directly using their official website or phone number listed on their website (not through email).

Be Wary of Attachments

If you receive an email with an attachment, be wary of it. Phishing emails often contain attachments that may contain malware or viruses. If you aren’t expecting the email and don’t recognize the sender, do not open the attachment.

Trust Your Instincts

If you get an email that seems suspicious. Take a moment to think about what you know about the sender and their organization. If you can’t recall any reason why they would send such an email or if it’s from someone who doesn’t normally contact you directly (e.g., HR), then there’s probably something wrong with the message itself–and it may be a phishing attempt.

If someone asks for personal information in an unsolicited email (like your Social Security number), delete it immediately! Don’t reply or open attachments; these could contain malicious software designed to steal data from your computer or infect it with viruses that could spread throughout your network.

By following these steps, you can better protect yourself from falling victim to a phishing email. Always remember to trust your instincts and err on the side of caution when in doubt.

Aspen Insurance Agency is a family-run business in Denver, Colorado servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the best rates available. Call to speak to one of our insurance advisors for home or business insurance and see how painless insurance shopping can be.

Computer operating systems have become far more effective at blocking cyber-attacks. The newest release of Windows 11 requires TPM (Trusted Platform Module) chips on existing and new devices. The Trusted Platform Modules (TPM) is a chip either integrated into the PC motherboard or added separately into the CPU. The purpose is to protect encryption keys, user credentials, and other sensitive data behind a hardware barrier limiting access to malware and attackers.

Many computer and smart phone internet users have access to tools to limit exposure. One simple risk reduction is the use of VPN, or Virtual Private Network.

What Is A VPN?

VPNs are a straightforward method for protecting yourself online. Many browsers come with them, or you can purchase software, where the companies set the VPN up for you.

The main reason to use a VPN is it prevents monitors from tracking or watching what you access online. While you browse the internet through a VPN, your traffic is encrypted. No one can see what you are doing online, nor interfere in any way.

When using a VPN, instead of your browser directly linking to a page or a link, it first connects to servers provided by your VPN, then routing to the page you wanted to visit.  VPNs don’t make you anonymous online: Facebook, Amazon, or any other site you log into will still be able to track your activity on those sites, even with a VPN.

People use VPNs for three principal reasons:

1. Public Wi-Fi is regularly used

A VPN is your best friend when using public Wi-Fi. Criminals use many methods to steal your data on public hotspots. With a secure VPN connection over Wi-Fi, you can browse online in full privacy.

2. Users want to encrypt data

Even when browsing the internet from your home, using a VPN is a good idea. VPN encryption protects your internet traffic and keeps you from leaving online footprints. This way, your ISP won’t be able to sell your entire browsing history to the highest bidder. Encryption secures digital data using one or more mathematical techniques, using a password or “key”, which is used to encrypt and decrypt the information..

3.    Avoiding government surveillance

Government agencies track and collect your browsing activity, messages, social posts, and other private data. They even share this information across country borders. A VPN will make it difficult to do by encrypting digital traffic and hiding your computer’s IP, or Internet Protocol, the unique string of characters identifying each computer communicating over a network.

Be aware, adding a VPN can also have a negative impact on your browsing speed, as there is an additional hop now in going to a website. This is not normally a large impact, and most users believe their privacy and security to be worth the extra time.

Putting a virtual private network (VPN) between you and the internet doesn’t give total anonymity, but it makes it much harder for anyone else to break into your data stream.

How To Get a VPN

There are many VPN providers, who will set up the VPN service for you. A partial list includes:

• ExpressVPN
• NordVPN
• Surfshark
• ProtonVPN
• CyberGhost
• Hotspot Shield
• IPVanish.

Another option is using a browser with an integrated VPN.  Having a VPN inside your browser eliminates the need to have multiple or separate settings to configure. 

It is not difficult to find a browser with an integrated VPN, search for “browser VPN” to come up with a list. A partial list includes:

• Mozilla Firefox
• Epic
• Tenta
• Brave
• Opera
• Aloha
• UR

VPNs are cheap, easy to install and use and can be installed on Apple, Windows, Android computers and smartphones. Experiment with different approaches and products and decide which approach is best for you. 

Aspen Insurance Agency is a family-run business in Denver, Colorado servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our professionals for home or business insurance and see how painless insurance shopping can be.