Month: September 2017

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. 

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.