Why do I need a home inventory

Owning a home comes with a lot of responsibility. One of those responsibilities is home insurance. Home insurance has several parts and one of those parts is content coverage. If you are like most people, you can’t remember what you had for lunch today let alone everything that you own in your house. In order to make sure that all the things that you own are covered under your home insurance, you need a home inventory so that you can come up with a value that makes sense. At Alliance Insurance Services our goal is to make sure that everyone in Arvada, CO has the insurance that they need. 

What a home inventory does is to list all the items in every room, nook, and cranny of your home. This includes closets, basements, and attics. Once you start to do yours, chances are you will be amazed at all the things you own. Off the top of your head could you remember all the Christmas ornaments you have? Tools in the basement? Dishes in the cupboard? Chances are you don’t have a clue. What is your home was flatten by a tornado or consumed by fire? How would you prove what you had previous to the disaster? 

If you do a detailed home inventory and store it in a safe place with any photos and backup information you will be able to provide that to the insurance company and any claim that you have will go much more smoothly. Simply stated, you need a home inventory to protect yourself. 

At  Alliance Insurance Services our experienced team has been helping the residents of Arvada, CO for years. We are ready to add you to that list. Give our office a call or stop by and we will talk about the benefits of a home inventory. 

 

Insuring Your New Teen Driver

Seeing your teen get their driver’s license is a thrilling time for both you and your teen, but it can come with some added stress. From finding driver’s education courses to purchasing and insuring a new vehicle, there is a lot to keep track of! At Alliance Insurance Services in Arvada, CO, we want to make sure your teen is ready for the road. Below, you’ll find a few things you should know about insuring your new teen driver. 

New drivers aren’t required to have auto insurance when they have their permit, but you may want to consider adding a policy that covers operators and drivers for added protection. This type of policy is beneficial for teen drivers who don’t have one particular vehicle they will be driving and will be alternating between cars on a regular basis. Once a teen receives his/her license, it is typically more cost-effective to add the driver to an existing car insurance policy. Consider adding your new teen driver to your plan within 30 days after receiving their license. Teens are subject to the same auto insurance requirements as other drivers in Colorado, which means they must have state minimums for bodily injury and property damage liabilities.  As an independent insurance agency in Arvada CO, our team at Alliance Insurance Services can help parents of new teen drivers shop around for the best coverage. We partner with a number of well-known insurance companies so you can get a policy that fits your needs and budget. 

Alliance Insurance Services can help make sure your new teen driver is ready to hit the road with the proper auto insurance policy. Learn more about the type of policies we offer by calling our office in Arvada, CO or visiting our website. 

Colorado Motorcycle Law: What You Need to Know

Exploring the community of Arvada, CO on the back of your motorcycle is fun, exciting, and adventurous. However, your new motorized bike comes with some responsibilities. Here’s what you should know about Colorado motorcycle law before your first road trip.

The state of Colorado has established some legal guidelines to encourage safe driving habits. These include:

  • Riders under the age of 18 must wear NDOT-approved helmets at all times. Riders and drivers over the age of 18 are not required to wear helmets. However, these are an important safety feature that should always be used.
  • All riders and motorcycle drivers must wear eye protection. Goggles, glasses, and helmet visors are good options.
  • Motorcycle riders are required to maintain an active motorcycle insurance policy. Talk to the representatives at Alliance Insurance Services to get your policy started.
  • To be street legal, your bike must have footrests for passengers to use. The passenger must use these at all times while the bike is in motion.
  • Passengers can only ride behind the driver. Sitting in front of the driver may incur a fine if police are alerted.
  • Passing and lane splitting is not allowed. However, it is ok for two motorcycles to drive side-by-side in one lane of traffic.
  • Riding your bike while holding onto the back of another moving vehicle is a violation of safety laws.

A good motorcycle policy is more than a legal requirement. Having the right coverage can protect your pockets from the financial effects of accidents. Before you set off on your first trip to Arvada, CO, call the motorcycle insurance experts at Alliance Insurance Services. Their representatives can help you customize a policy that fulfills all the legal requirements yet is perfectly tailored to fit your preferences and riding style.

Smart Tips for Winter RV Storage

Colorado’s harsh winter climate may make it difficult to continue RV travels. If you’re considering storing your RV until spring, the following storage tips from Alliance Insurance Services in Arvada, CO will ensure your vehicle is safe and sound for the season.

Empty Refrigerator, Cupboards and Medicine Cabinets 

Empty your refrigerator and freezer of all food and drinks and scrub them clean to keep mold at bay. Once you’re done, prop the doors open to avoid nasty smells. In like manner, clear out cupboards and medicine cabinets of medications and toiletries to include hand and body soap, toothpaste, lotions, etc. Liquid items can easily freeze during winter and crack open, leaving you with a gooey mess come spring.

Deep Clean RV Interior

Deep clean the interior of your RV in preparation for your travels in the spring. Wipe down counters and cabinets and thoroughly vacuum floors to get rid of dirt, debris and food crumbs that can attract ants, roaches or other unwanted critters.

Protect Your Plumbing System

Remove all water from your tanks and replace them with antifreeze to protect your plumbing system during winter. If you’re unfamiliar with how to winterize your RV’s plumbing system, get help from a professional to ensure it’s done right. You don’t want to take chances on ruining your plumbing system and having to pay for expensive repairs come spring.

Cover your RV and Tires

If you’re storing your vehicle outdoors, invest in a quality RV cover to protect it from the elements. Cover your tires as well to keep them from degrading by Colorado’s harsh winter climate.

Last, but not least, maintain comprehensive RV insurance coverage to protect your vehicle from theft, vandalism, and damage from the elements. To learn more about RV insurance options and costs, contact Alliance Insurance Services in Arvada, CO today.    

What Kind Of Coverage Can I Get For My Car?

As a resident of Denver, CO, you might know the state’s mandatory liability law on automobile insurance. While Colorado requires every vehicle in regular operation to have liability insurance, this is not the only insurance available to local drivers. Alliance General Insurance Agency wants our readers to know the many options available to you today.

Liability Coverage

This is the minimum required to drive legally in Colorado. Liability insurance covers bodily injury and property damage to another person in an accident where you’re determined to be at-fault. There is a specific amount of coverage you must have to meet the legal limit, but you can purchase more than the minimum liability amount.  It does not provide compensation to you after an accident, whether or not you caused the accident.

Uninsured / Underinsured Coverage

When an uninsured driver causes an accident that harms you or your property, this coverage kicks in to help pay for those expenses. When the other driver has insurance, but their policy limit isn’t enough to cover your medical bills, underinsured coverage can make up the difference. 

Comprehensive Coverage

This type usually covers damages caused by natural events such as fire or hail, or the acts of other individuals like vandalism or theft. Your policy will list the potential covered perils. When your vehicle suffers damage by such perils, comprehensive coverage can help pay for repairs or replacement of the vehicle.

Coverage for Everything Else

These are just a few examples of the policies available to drivers in the Denver, CO area. There is coverage for virtually any peril or vehicle type out there. From rare classic cars to hard-working utility trucks, Alliance General Insurance Agency has a policy that’s right for you!

3 Reasons to Adjust Your Insurance After You Pay Off Your Vehicle

Paying off your primary vehicle is a huge milestone and one that should be celebrated! After your initial joy, there are few considerations to make when it comes to your auto policy. Let’s take a close look at 3 reasons why your policy may need to be updated once your car is paid in full. If you are in the greater Arvada, CO area and have recently paid off your vehicle or are planning to do so in the near future, the team at Alliance Insurance Services is here to help you consider your insurance options.

3 Reasons to Adjust Your Auto Policy on a Fully Paid Vehicle

  1. The cash value of your vehicle will likely be less than the replacement cost for a comparable car or truck. If your car were to be totaled you will need a higher amount than its current value to replace it. There are many policies that offer a solution to this problem, and they are worth looking into!
  2. You will no longer need to adhere to any coverage limits enforced by your financing provider. You can now review your coverage levels with your local agent and determine if the policy that was required by your financial institution is still the best option.
  3. An older car may cost more to repair. As a car ages, the parts can become more difficult or more expensive to get. Having a robust car rental option is one way to lessen the expense of an accident.

If you are in the greater Arvada, CO area and would like to know more about your auto insurance options, the team at Alliance Insurance Services is here to help! Contact us today or stop by our office to set up a consultation!

Why It Is Important To Review Your Home Insurance Policy Annually

Arvada, CO residents who are looking to get the most out of their home insurance policies are urged to receive an annual review. Alliance Insurance Services is able to help. While this topic is not always fun to discuss, it is highly important. Many policy holders will simply hold onto their current policies, without ever taking the time to examine them. 

These are the questions that have to be answered before a homeowner can make any final decisions when it comes to their policies. They are the most crucial queries that serve as the outline for any policy.

1. What If The Home Needs To Be Rebuilt?

Thanks to the costs of inflation, a client may not be able to rebuild their home as easily as they may have thought. Those who do not take the time to review their policies could end up with coverage gaps that leave the homeowner in a difficult position. If the policy holder has made any recent improvements, these need to be discussed as well. Renovations are a key aspect of any annual policy review.

2. Will I Quality For Any Discounts?

If you have made any installations that affect the security or durability of the home, these changes may quality the policy holder for a discount. Each insurance company is going to have their own qualifications and it behooves the client to schedule a consultation. The same goes for clients who have made changes to their homes that require additional coverage. Make sure that full coverage has been obtained each year.

3. Do We Still Need The Same Coverage For Personal Possessions?

An existing policy may offer the standard coverage that the client needs but what happens when they do not take the time to consider any extended coverage needs? There is a wide range of valuables that need to be considered at this time. Office equipment, electronics, jewelry, art, and other prized possessions must be examined. Evaluate these and proceed accordingly. 

Arvada, CO homeowners will benefit immensely from taking the time to meet with experienced agents at Alliance Insurance Services. Annual policy review is pivotal, as it keeps homeowners from placing themselves in a difficult position over the short term or the long haul. 

3 things you should know about RV insurance

You worked hard and saved diligently to purchase the RV of your dreams. It would be a tragedy if a natural disaster or car accident destroyed your investment. You should not rely on your home insurance to cover your RV in Arvada, CO. Instead, you should consider purchasing an indemnity plan for campers from Alliance Insurance Services. Read on to learn three essentials about RV insurance!

1. RV insurance is not required yet necessary

Some RV owners make the mistake of believing that insuring their camper is an option. The problem with such ideology comes in the fact of home insurance only covering a limited number of incidents regarding your camper. Your RV may be covered if damaged on your property per your home insurance plan. You, however, are on your own if you drive the vessel and get into a car accident down the road. 

Some Arvada, CO RV owners learn the hard way that home insurance does not equal full coverage for their RVs. You should avoid the devastation that comes with learning that you do not have enough assurance when it is too late by contacting an agent from Alliance Insurance Services. 

2. RV assurance works like auto insurance

Just as your auto indemnity plan has a deductible along with policy limits, so also does your RV assurance policy. The amount of damage covered under your plan heavily depends on the amount that you are willing to pay in monthly premiums. Those willing to pay more every month may find themselves walking away from an incident with no out-of-pocket costs to them. Meanwhile, those who pay less upfront may find themselves with a bigger bill down the road. 

3. How much coverage you need depends on a number of things

Not every RV owner is the same. Thus, it is important that you contact your local agent to find the policy that best fits your lifestyle and overall needs. Contact us today to get started with a quote to insure your RV!

Colorado Motorcycle Helmet Laws

Colorado is a state with a somewhat libertarian attitude. The laws in Colorado, in general, allow any adult to make decisions about their health and safety, as long as their decisions do not harm others.

The Colorado helmet law follows this philosophy. There is no legal requirement for any adult, who is over the age of eighteen, to have to wear a helmet when operating or riding on a motorcycle.

However, there is a legal requirement for any minor person, who is under the age of eighteen, to wear a helmet while operating or riding on a motorcycle. Parents in Colorado can be foolish about their safety but have to make sure their children wear a DOT-approved motorcycle helmet when on a motorcycle.

The Swimming Pool Thought Experiment

Imagine you jump headfirst into an empty swimming pool and smash your head into the cement at the bottom. That is what happens to those not wearing a helmet who are ejected from their bike and thrown up to 100 feet in the air before they come down hard on the pavement.

The National Highway Traffic Safety Administration reports that in states without a helmet law, 65% of the fatalities were people not wearing helmets. In states with all-rider helmet laws, only 13% of the fatalities were those who were not wearing a helmet.

Wearing a helmet may save your life. Even though the laws allow an adult in Colorado to not wear one, everyone should for their safety.

Motorcycle Insurance

Just like wearing a helmet having adequate motorcycle insurance is best. Work with your agent at Alliance Insurance Services, serving Arvada, CO, and the surrounding area, for coverage that suits your needs. Call to speak with your agent at Alliance Insurance Services in Arvada, CO to get an insurance review of existing insurance or a quote for new motorcycle insurance.

Commercial Insurance: How Your Rates Are Determined

Commercial Insurance: How Your Rates Are Determined

If you run a business, you know the importance of commercial insurance. Commercial insurance not only protects your business- it also protects you and your employees. This type of insurance can seem like a bit of a mystery, especially when it comes to how your rates are determined. Let’s look over a few different factors that determine your commercial insurance rates. 

– Business type. If your business is in a field that tends to have flash-in-the-pan businesses, or you have a high risk business, it’s possible that your commercial insurance rates will be higher than businesses that are lower risk. Your insurance agent will be able to explain the level of risk associated with your business.

– Location. Is your business located in an area that has high amounts of crime, or near a water source that tends to overflow? Both of these issues, although unrelated, could cause your commercial rates to increase. Location matters. 

– Length of time you’ve been in business. The longer your business has been up, running, and successful, the lower your commercial insurance rates will be. 

– Annual revenue. The amount of money your business brings in each year plays a role in your commercial insurance coverage rate. 

Call Alliance Insurance Services Serving Arvada, CO

If you’re in need of a commercial insurance policy for your business, Alliance Insurance Services, serving Arvada, CO, is here to help. Stop in to see one of our agents, or give us a call to set up an appointment to talk about our services. We look forward to helping you with all of your business insurance needs.