Discharged Service Member?: Check Your Life Insurance Policy!

At Alliance Insurance Services Agency we most whole heartedly thank all of our service members for their service to our country. As you leave your tour of duty and ultimately the armed services and rejoin the civilian ranks we want to ensure that you are considering your life insurance needs. Let’s face it this is a major life event – leaving the service – and you have put your life on the line for your fellow man. If you reside in Arvada, CO or in the neighboring cities, please come in today to discuss what this milestone means for your life insurance. 

The level (rank) and duration of your time with the armed services will greatly influence your civilian benefits. Though this will be discussed with you as you leave it is a chance you will not retain a lot of information as regards your life insurance coverage. It is a great idea to visit a Veteran’s Administration Center to learn exactly what life insurance coverage you know own as you adjust to civilian life. 

If you need insurance coverage consider the following important factor:

  • Do you want a policy to only pay for your end of life expenses – funeral or final hospital stay costs, credit card or loan debts (term) or would you want a policy that builds cash value and could be used toward other life expenses that you may incur down the road (whole life). We can fully discuss both options.  

Alliance Insurance Services in Arvada, CO endeavors to deliver the very best insurance products to our clients. If you are already a part of the Alliance family or are considering joining us, contact us today to learn how together we can take care of insuring you and your family on every level of liability. 

Why should you insure your motorcycle?

Although a bike is a small vehicle, the damage caused when an accident occurs is not small. As long as you are out on the road, you are at a risk of being involved in an accident, it may not be your fault but either way, you will need insurance to cover your medical bills, damage to your motorcycle and to any other vehicle that might have been involved.

For the residents of Arvada, CO, scooters are also covered under the motor vehicle insurance. Some of the policies or insurance covers that Alliance Insurance Services offers you include;

Bodily Injury Liability cover- Under this cover, we take care of the expenses that you will incur when you are involved in an accident, and you need medical attention. The cover takes care of you as the owner or the driver of the motorcycle and any other person that you might be carrying as a passenger or a third party that will be injured when you are the one at fault. It is important to note that, all persons under the age of seventeen are required by Arvada law to use a helmet at all time as long as they are on a motorcycle.

Property damage liability cover- this takes care of the damages that will be caused by accident. The damage is not limited to your motorcycle. Alliance Insurance Services includes all the other properties like road signs, street light posts and other vehicles that you collided with.

Underinsured motorcycle policy- we offer this policy to all the residents of Arvada, CO and any other person that seek our help. The cover takes care of all the damages and bodily injuries that you will suffer when you are involved in an accident with a rider who is not insured, and yet he/she is the one at fault.

 

 

 

 

RV Insurance For Your Road Adventures

RV travel is a way of life for some people. Others may only do it seasonally. No matter what your RV travel plans are, you need reliable RV insurance to assure you of protection in case of accident or other incidents. Our independent agents at Alliance Insurance Services can sit down with you and show you the various policies carried by multiple insurance companies. You can review the policy you already have or get a new one. You’ll be prepared and confident when you head out for your next RV adventure. Serving in the area around Arvada, CO, Alliance Insurance Services stands ready to provide that sense of confidence.

How is RV insurance different from regular car insurance? The first issue is that the vehicle is simply much bigger than the average car. Secondly, it has more specialization in design and structure. RVs often serve as a home, as well. Here are some questions to ask yourself:

  • What level of insurance do I need for sufficient coverage?
  • How often do I plan on using my RV during the year? 
  • Do I plan on making my RV a long term residence?
  • What condition is my RV in? 
  • Does my RV have any specialized designs to accommodate hobbies, travel plans, and personal needs?
  • Are personal possessions covered by my policy?

The nature of RV design and use means that RV insurance is similar to both home owners insurance and auto insurance. Here in the Arvada, CO area our agents at Alliance Insurance Services can help you understand the differences and similarities. After reviewing RV policies from nationally recognized insurance carriers, you can choose which one will serve you best. Peace of mind comes from dependable insurance. That means you can focus on your travel plans. 

Do At-Home Businesses Need Commercial Insurance?

Running an at-home business in Arvada, CO is an exciting way to make decent money. However, it does require you to get some kind of insurance. Typically, some of your business expenses may be covered by homeowner’s insurance. However, there are instances in which they won’t cover it. At Alliance Insurance Services, we can help you identify those moments.

When Homeowner’s Insurance Fails You

Homeowner’s insurance may not cover your business equipment if your policies are restricted to this type of coverage. For example, many companies refuse to cover business expenses because they argue they fall outside of the scope of a home. Wherever you operate your business is considered a separate part of the home and a commercial venture.

What is surprising is that many people who work in an office, but often work at home, may need commercial coverage. This is especially true if you have business equipment at your home, such as a computer, printer, or fax machines. It is also necessary to get cyber insurance to protect delicate information transferred over the web.

Options To Consider

When buying a commercial business policy for an at-home business, it is important to cover a variety of aspects of your business. For example, you need liability coverage for instances in which you may negatively impact your customers.

You also need property protection insurance for your office area. This helps cover your home in case of a work-related disaster, such as a fire caused by a malfunctioning fax machine. Other types of property insurance will protect your office equipment and keep you from serious personal loss.

Protecting Your At-Home Business

Don’t get caught without the kind of commercial insurance you need to protect your business. With the help of Alliance Insurance Services, your Arvada, CO at-home business is safe from serious danger. Make sure to shop around first to find policies that suit your needs.

Tips for Avoiding Motorcycle Accidents

Most motorcyclists in the Arvada ,CO area know that riding a motorcycle is more dangerous than driving a vehicle. They also know that when accidents do happen, they can be severe. For these reasons, safe motorcycling habits are a priority. The best way to avoid accidents is to pay close attention to these safety tips.

  • Always wear a helmet because it can reduce the severity of an accident.
  • While not all states require motorcyclists to have a license, it improves safety because often there is a knowledge and skills test to pass. 
  • Consider getting professional training and a safety course to improve motorcycle handling skills.
  • Be aware of your riding skill level to keep from overestimating your skill in managing a tricky situation.
  • Wear protective clothing that has bright colors to make you more visible.
  • Maintain your motorcycle to make sure the tires, lights, engine, and breaks are in excellent condition.
  • Do not share lanes with other vehicles because you can be missed.  People in cars don’t expect to share lanes with motorcycles and often make quick lane changes.
  • Avoid road hazards such as debris in the road or things that may make the road slick.
  • Watch the road, especially when passing to avoid head-on collisions.
  • The most dangerous situation is when a car is making a left-hand turn, so this is a situation to be especially cautious of because the driver may not see you unless your headlight is working.
  • Avoid lane splitting when vehicles are stopped, and the motorcycle travels between the sitting cars. This can be a recipe for disaster.

Alliance Insurance Services

Alliance Insurance Services partners with other companies to provide insurance coverage in the Arvada, CO area. Our agents will compare policies and locate the best option for your needs.

How to Insure the Specifics Needs of Your Business

If you are starting a business or acquiring an existing business, one of your first calls should be to your agent at Alliance Insurance Services serving Fort Arvada, CO and the surrounding areas. They will give you expert advice on commercial insurance and help you understand the different types of coverage that are available.

Customization of Commercial Insurance

There are standard commercial insurance policies that almost every business needs and those policies are the basic foundations for commercial insurance. These policies can be tailored towards the types of commercial operations. For example, the insurance needs are quite different for a commercial office space, when compared to a retail establishment, or a manufacturing facility.

Special Insurance Needs

Here are some examples of special insurance needs.

Since the legalization of marijuana for medicinal and recreational use in the state of Colorado, new businesses and business models, such as cooperatives, are increasing. The products offered for sale require new product liability insurance that specifically covers these new products. Insurance underwriters now provide coverage for growers, physicians, dispensaries, recreational shops, and accessories manufacturers.

If you have a home-based business, it is prudent to have coverage for the business operations to cover the equipment used for the business and any risk of liability for clients visiting your home.

Commercial Insurance Review

Even if you already own a business and place your insurance through another agency, it is a good idea to ask for a review by Alliance Insurance Services to use as a cost comparison. Alliance Insurance Services prides itself on being a solutions-oriented agency that works on behalf of its small business clients to provide the coverage needed at cost-efficient rates.

Summary

Every business owner needs help from their insurance agent to protect the business and get good rates for insurance coverage, while at the same time working with quality and well-established insurance underwriters that are responsive and supportive in the case of needing to make an insurance claim.

The best way to determine if your commercial insurance is adequate for your specific needs is to consult with your agent at Alliance Insurance Services in Arvada, CO.

When Should You Consider Life Insurance?

For many people, life insurance is a type of insurance that is not at the top of their priority list but that does not mean that you should not think about getting it. People from all ages in Arvada, CO can benefit from life insurance so if you are wondering when you should consider life insurance, the answer is now. However, if you are not yet convinced, these are some other times, according to Alliance Insurance Services, you should consider getting life insurance.

  • When you have dependents or want to provide for someone. If you have children or a spouse that relies on your income now, then you need to make sure you get life insurance to take care of them in case you are gone. You should take a look at your dependents and possibly any others, such as parents or godchildren, that rely on you and make sure you get enough to cover them.
  • If you think your time is almost up. It is always best to get life insurance when you are younger, but if you have waited and your days are numbered, you should go ahead and make the purchase. 
  • To cover any final expenses. If you are like most people, you have a debt of some sort and the last thing you want to do is leave a lot of debt for someone else to take care of in case you were gone. When purchasing life insurance, you should make sure you have enough to cover all of those expenses so that they do not have to take on the burden of paying it for you. 

If you would like to learn more about your life insurance options and get some quotes, be sure to reach out to Alliance Insurance Services, serving Arvada,CO today. 

Two Ways To Maximize Your Insurance Claim

Nobody wants to have to file an insurance claim. In Colorado, there are various hazards that can cause damage to your home, like flooding, wind, and extreme cold. Even if you are as prepared as possible for these things, you could undergo some damage. Your insurance is on your side overall in this situation, but they are still going to protect their bottom line as much as possible. If you want to get the highest amount possible for your insurance claim, here are two tips to help you. 

Make Temporary Repairs – While you are waiting on the settlement amount on your home, make the necessary temporary repairs. The small fixes could be things like patching the roof, replacing a window, or fixing something in your HVAC system. If you don’t make these repairs, your insurance company could say that these things being ignored caused extended damage to your home and not the incident itself. 

Hire a Public Adjuster – An adjuster is who decides the damage value during a claim. Your insurance company will send one of their own, but you should hire a public adjuster, an adjuster who is hired directly the claimant. The insurer’s adjuster will have their best interests in mind and will offer you the lowest amount that they think you will accept. Your public adjuster understands the strategies implements by insurance companies and can counter them to get you the best deal. The cost of a public adjuster is usually covered by the increased amount that they get for you. 

By following these two tips, you will greatly help your chances of maximizing your home insurance claim. One provider of home insurance in Fort Collins, CO, Alliance Insurance Services, provides home insurance in that area. Call an insurance company today to ensure that you have the appropriate amount of insurance. 

Why Does the Make and Model of my Car Impact my Insurance Rate?

Everyone with a driver’s license or vehicle needs auto insurance because it is required by law. Furthermore, auto insurance can help to alleviate some of the financial stress that accompanies a car accident. Anyone who has owned multiple cars knows that the make and model of a car will impact the insurance rate; however, many people will wonder why. Some of the key information detailing the reasons behind this are explored below.

First, some cars are simply more expensive than others. Therefore, if this car is damaged or destroyed in a car accident, the company would have to pay out a larger claim to cover this cost. To justify this risk, a car insurance company will charge a higher insurance premium to cover these luxury vehicles. Do not be surprised if a luxury car also has a higher insurance rate.

Next, some cars are more likely to be involved in car accidents. Everyone knows that some cars are safer than others and some cars are more reliable than others. If a car is more likely to be involved in a car accident or suffer damage, the company is going to charge a higher policy to cover these vehicles. People should invest in safe cars for a lower insurance rate.

Finally, some cars are more commonly stolen or broken into than others. There are detailed statistics that explain the types of cars that thieves will target. Cars that are more likely to be stolen will have a higher insurance rate than others.

For citizens in the Fort Collins, CO area looking for auto insurance, contact an experienced insurance agent. Alliance Insurance Services, serving the Fort Collins, CO will have the information necessary to help every customer find the right coverage to suit their needs.

End of Year Decisions To Make – Don’t Let the Year End Without Insurance

As we come to the end of year 2016, there are a lot of things to consider. Evaluating what is important comes to mind as you look back over the year and all of the events that have transpired therein. Do you have the right type of insurance for your home, business or automobile? Some people actually live their lives without insurance in constant fear of getting caught. It’s not worth it.

Insurance is not always something we want to think about. Much easier to tend to the financial topics of life that we have to take care of like paying mortgages, car notes, and rent. Imagine that you are in a situation where you need coverage and you do not have it. There is absolutely no replacement for insurance. As an uninsured you would be left with a myriad of poor excuses, not to mention a mountain of debt or worse.

Serving the beautiful city of Fort Collins, CO and surrounding areas in the state of Colorado, Alliance Insurance Services can give you the quality and detailed attention that you need in order to learn exactly what insurance products you require. When choosing an insurance agent it is imperative that you pick someone who is familiar with your needs. The weather that we experience in Colorado is unique to our locale. Our professionals are well-versed in understanding how the weather can impact your particular insurance policy. A detail like that can be lost on an agent who is not familiar with Fort Collins or the Colorado area.  Alliance Insurance Services offers comprehensive policies for the following needs:

  • Homeowner
  • Auto
  • Umbrella
  • Business

While these are general types of insurance that we offer, you would need to contact the agency directly to gather information on the specifics of what coverage you require.  Please contact us to learn more of how we can serve your insurance needs.