Most auto insurance policies extend to cover drivers when they drive other cars and trucks, but the majority of policies will not extend to cover motorcycles as well. Anyone who rides a motorcycle in Applewood, CO needs to have insurance specifically for when they are on their bike.

Meeting State Minimums for Motorcycle Insurance

In Colorado, all motorcyclists are required to have motorcycle insurance that provides liability coverage. As a licensed insurance agent in Colorado, we are able to help you find a policy that meets the minimum motorcycle insurance coverage dictated by the state.

Finding the Right Level of Insurance

In many cases, motorcyclists in Applewood want a policy that exceeds the state minimums. We will gladly review your current financial situation and help you select a policy that has coverage that is appropriate for your specific situation. Additional coverage might include a combination of the following:

Collision, which will help pay for repairs needed after an accident

Comprehensive, which will provide coverage in the event of theft or vandalism, among other circumstances

Medical, which helps with medical bills resulting from an accident

Emergency Roadside Assistance, which offers towing, fuel and flat tire services

Uninsured/Underinsured Motorist, which protects you against drivers who do not have appropriate levels of insurance

Getting a Competitive Rate

Contact us today to compare rates among the different companies offering motorcycle insurance in Colorado. We are an independent agency, and we will shop all of the available policies to find you the most competitive rate. We would love to guide you through the coverage selection process and then find the lowest cost policy for you.

When you need a new insurance policy, you often don’t have the time to be calling a dozen different insurance carriers to compare rates. You might be in the midst of a car purchase, getting ready to move into a new home in Lakewood, CO, or have just gotten a renewal notice from your current insurance company that you want to leave. Regardless of the circumstances, your ideal situation is to be able to quickly compare quotes online to help you select the best insurance carrier for your policy.

Get Free Online Insurance Quotes

As independent insurance agents, we are ready to serve our Lakewood community by providing free online quotes for home and auto insurance. All you have to do is to provide some information about the policy limits you want, and we can give you quotes from many of the top insurance carriers in the area.

Agents Provide Expertise to Choose Policy

If you don’t know what policy limits you’re looking for, we can help with that too. Our insurance agents are trained in the specifics of coverage needs in Colorado. Call us to discuss what you’re looking for in a policy, and let us help you select the coverage that will give you peace of mind to protect your valuable assets. We will help you get the best insurance policy for your budget.

Compare Insurance Rates Online Today

Don’t wait until the last second to get your insurance policy set up. You will only need a few minutes to compare rates on auto and home policies, and we can help you quickly set up the policy you choose. Contact us today to get started!

What kind of insurance coverage would you like? All insurance covers some type of risk. In Denver, CO, or in any other part of the country, you can buy insurance that protects you against practically anything that could go wrong. You can buy auto insurance that covers property damage to your car and liability for property damage to another person’s car. You can buy insurance in case you get sick and have to go to the hospital. You can buy insurance in case you get run over by a bus and your wife suddenly becomes a widow.

Insurance coverage is available for business owners, home owners and pet owners. If you are an accountant, doctor, or lawyer, you can buy a special kind of insurance that specifically covers those professions against liability claims.

During your lifetime you will probably have more insurance policies than you can count on one hand. Most people drive a car and need auto insurance. It is quite probable that over your lifetime you will own a number of different cars and have auto insurance through a number of different auto insurance companies.

If you buy a home and have a mortgage, you will need to buy a home insurance policy. If you decide to rent instead of own, you might be wise to buy an affordable renters insurance policy.

You might decide to buy a term life insurance policy to protect your spouse and young children against financial difficulties in case you meet with a premature death. You might buy a whole life policy if you want life insurance and also want to build up cash value for your retirement,

No matter what stage of life you may be in, you probably need some form of insurance. It makes sense to schedule an annual check-up with an independent agent to evaluate your current insurance coverage and see if you are properly insured for all of life’s risks.

Although you are not normally required to have insurance coverage on vacant land, there are some good reasons to still buy it. As the owner of property that has no structures on it, you may be held liable if someone goes on your land and gets injured.

It may sound ridiculous, but if someone ignores your no trespassing sign, climbs over your fence, and falls in a hole, they can potentially sue you for the broken leg they suffered. That is not to say they will win in court, but you will still have to defend yourself. Attorney fees can add up.

Suppose you own 200 wooded acres in Colorado and allow some of your friends to go hunting on your property. Your friends will probably thank you for extending such a generous invitation and maybe even buy you a case of beer as a token of their appreciation. Usually there will be no problem and your buddies will come home with some great stories about their experience.

That is what usually happens when you invite people to hunt, fish, hike, or camp on your undeveloped property. However, there are rare occasions where someone gets hurt by falling off an ATV or getting hit on the head by a falling limb. While you would think your friends would not sue you, sometimes they do.

No one wants to spend more than they absolutely have to spend to maintain an empty lot or acres of wide-open land in the country. You already have to pay taxes on vacant land, even though you may never set foot on the property for 10 years. If your property is within city limits, you will usually have to mow the grass and maintain the vacant lot to comply with local codes.

Whether you buy acres and acres of property as an investment, or you just buy a home site where you eventually intend to build a house, it is usually a good idea to have insurance on that undeveloped property.

The decision to live full-time in your RV in Colorado can mean that you need to purchase a different insurance policy than the options that are available for the short-term vacation or summer plans. You may need additional coverage that is more similar to a home insurance plan than an auto policy because your risks may increase.

Full-Time Liability

Liability can be split into separate categories when it comes to living in a recreational vehicle like a mobile home. Full-time liability protection is designed to address the possible accidents that may take place when you have visitors. For example, tripping and falling may be covered in the plan.

This type of liability is similar to the protection you would obtain in a policy for a house. It addresses accidents that are not necessarily taking place on the road.

Plans for Personal Belongings

Most insurers will offer policies that protect personal belongings, whether you live full-time in your recreational vehicle or not. If you start living full-time in the RV, then you may need to add to your current protection for personal belongings.

Expenses for Emergencies

There are times when your home may end up in the shop due to an accident, a problem with the engine or other issues. Emergency expense coverage is designed to address the possible living expenses and related costs that may arise during these situations. If you live in the vehicle full-time, then you may need additional protection for those emergencies.

The type of plan that you need to address your concerns when you live full-time in a recreational vehicle can depend on your concerns. Contact us to speak to an agent to learn more about the options that are available.

When you first buy a boat there are a lot of things that go through your mind of ways that you can use the craft. In addition to ways they can use it they are also thinking about what they need to do in order to protect the craft from damage and theft. To help with your insurance here are some things that you should know about your boat insurance policy in Lakewood, Colorado.

What Your Boat Policy will cover in the Event of a Loss?

· A boat policy can help protect you against liability claims. Liability claims are charges made against you because of negligence. If you are sued in a court and found liable, then your policy will cover the charges.

· If you have theft of equipment on your policy and have your outboard trolling motor stolen, then you will find that your insurance policy will cover the loss.

· If your watercraft is damaged by a collision on the water, then you can rest knowing that it will be fixed as long as you have physical damage benefits on the policy.

· Theft or loss of fishing equipment can also be covered if you have the peril endorsed on your policy.

When you first buy a watercraft you will listen to your dealer as to what you need to complete in order to take possession of the boat. With so much on the line you will want the services of your independent agent to protect your new boat. As your agent, we can help get a policy together that will protect your boat from damages and theft from other people. Call us today, and let us go to work for you to protect your investment.

You can insure your boat or watercraft for use year-round in Lakewood, Colorado. Although many people only use their boats for a few months out of the year, those people who enjoy boating all year will need to make sure their coverage will take care of their needs. An independent agent will explain if you need additional insurance coverage with your homeowner’s policy.

Your boat or watercraft insurance coverage should include physical damage, medical payments, total loss replacement, personal property and possibly towing and assistance, trailer coverage, and if you own an expensive boat – you may need high liability limits. Replacement cost for your boat and trailer is also important in Colorado. If your watercraft is damaged or stolen, you will want to replace it as soon as possible. If you do not have replacement coverage, you may only be able to claim a lesser amount than what it will cost to actually replace the unit. If you are planning to insure your boat or watercraft year-round, you will probably also want to save some money.

Speak with our independent agent about how to save money on your insurance plan. Often you can purchase a policy with a multiple property discount. If you have special safety features installed on your boat you may also be able to save some money. If you are willing to have the premium drafted from your bank account, this may also save you some money. We can compare several insurance providers in Colorado and find rates and quotes that will fit your budget. Keeping insurance on your watercraft year-round does not have to break the budget. You can enjoy your boat every month of the year with a little prior planning and a great insurance plan. Call us today.

Finding the right RV insurance policy in Lakewood, Colorado can seem challenging if it is your first Rover if you are not sure about the options that are available. Depending on your situation and your concerns, the appropriate amount of coverage may vary.

Cost of Replacing the Vehicle

A good rule of thumb if you are worried about the loss of property, damage from a storm or any other situation that may result in damage to your RV is to insure it with enough protection to replace the vehicle. By using the cost of replacing the vehicle as a good rule of thumb, you can avoid complicated calculations and feel confident that damages to your vehicle are covered.

Protecting Personal Belongings

Another reason that it is a good idea to purchase enough insurance to replace the entire RV if an accident occurs is related to the personal belongings. Even if you do not need to replace the vehicle, you may need to purchase personal belongings that are damaged or stolen.

The coverage will help protect against theft, damages or the loss of personal belongings if you have an appropriate amount. Depending on the items in your RV, you may or may not need protection for your belongings. If you do not have expensive belongings, then you may not need as much coverage for your vehicle.

The details of any insurance policy will depend on your goals, how you plan to use the vehicle and your personal concerns. Depending on your concerns, you may need full coverage or you may only want basic liability and personal injury protection. Contact us to talk to an independent agent to learn more about your coverage options and to find an appropriate policy based on your goals.

If you’re living in Lakewood, Colorado and you have a boat, you know you need the proper boat insurance. Getting an all-risk policy can help protect you against a variety of losses. Of course, it’s important to make sure you’re getting the best coverage and the most value for your money, so talking to an independent agent like us is a good idea. That can help tell you whether you can cover the type of losses you’re concerned about with the policy you have, or whether you should have a different kind of policy instead.

Not everyone gets an all-risk policy. Many choose only to have state minimums when it comes to coverage. The minimum coverage is less expensive, so it’s a popular choice. If you have an expensive boat, though, you don’t want to just do the minimum you have to in order to protect it. We can help you get a policy that will cover the boat whether it’s out on the water, at your house, or sitting in a docking facility. That’s true whether it’s a standard dock where the boat is in the water, or a dry docking situation.

Damage to your boat from an accident, theft of the boat or its contents, and other issues are all covered under an all-risk policy, so you can have peace of mind no matter where your boat is or what you’re doing with it. Don’t risk a big investment like a boat by only getting the minimum coverage needed to protect it. Take the time to get the right kind of policy, and let us help you choose the policy that will best meet your needs.

When you have a boat in the Lakewood, Colorado area, it’s very important that you know how to operate it safely. Safe boating classes can help you with that. Once you’ve completed them, you can ask for a break on the price of your insurance. Often, boat insurance will be less expensive if you have paperwork showing that you’ve taken a class. Completing a safety course can also give you some peace of mind, and make you more confident in the operation of your boat.

Once you’ve successfully completed the class, talk with an independent agent about the opportunity for a discount. Some companies might offer more savings than others, which is why it’s better to work with someone like us. We can check with multiple companies, so you can get the best rate and the highest discount. Just make sure before you take any boating safety course that it’s legitimate and approved by insurance companies. If it isn’t, you aren’t going to see any savings on your insurance bill and that won’t help you reduce your premiums.

Talking with us can help you find the best insurance for your boating needs. In some cases it might be less expensive to choose a company that doesn’t provide a discount for safe boating classes, just because that company has lower overall premiums. However, it’s often cheaper to choose a company that gives good discounts. Plus, it’s always a good idea to have a safety course when you’re going to operate a boat. There’s much more than money on the line, and you don’t want to take any chances with the safety and security of your friends and family members.