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Alliance Insurance Services

5440 Ward Rd. Ste. 215
Arvada,Colorado 80002

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Do You Need RV Insurance?

A recreational vehicle, also known simply as an RV, is a great asset and fun to travel in from place to place. Before you hit the road on your new adventures, though, you need to ensure that you have the proper insurance coverage for your beloved RV. If you are in the Arvada, CO area, the RV insurance agents at Alliance Insurance Services can assist you in obtaining RV insurance.

In Colorado, you must have RV insurance in effect to legally drive your RV on the roadways. You must carry at least personal injury protection as well as property damage liability to legally drive your RV but what other RV insurance coverage options are available?

Comprehensive Insurance Coverage

Comprehensive coverage will cover your RV if a theft, vandalism, fire, or natural disaster incident occurs that causes damages to your RV or even destroys it. For example, if your RV is destroyed due to a tornado, this type of coverage will help you to replace it.

Collision Insurance

If you are involved in a collision with an object or another vehicle, collision insurance is the type of insurance you will need for your RV that will help pay for any damages that occur as a result of the collision.

To determine the best coverage for you and the investment of time, money, and energy you have put into your RV, you will need to contact a trusted and experienced RV insurance agent who can help you create the best policy possible. The RV insurance agents at Alliance Insurance Services in Arvada, CO are ready to help you create your policy and get it started today so you can enjoy your RV while having the peace of mind you need and deserve.

Is having motorcycle insurance in Arvada a good idea?

Those that live in the Arvada, CO area will want to have a vehicle that they can use to get around the community. If you are looking for a vehicle here, a motorcycle is a good option to consider. These vehicles are not only fun to drive but are efficient as well. If you are going to get a motorcycle, you should also make sure you get the right insurance for it. There are a few reasons why having motorcycle insurance here is a good idea. 

Coverage is Required

An important reason many will want to have a motorcycle insurance plan is that this coverage is a requirement. Almost any motorcycle owner will be required to carry at least liability insurance as it is a basic legal requirement to drive on a public road in Colorado. Further, those that have taken out a loan to purchase the motorcycle will need to have insurance to stay in compliance with their lender.

Coverage Protects Asset

You also should get motorcycle insurance to protect your valuable asset. When you buy a motorcycle, you will be making a major investment and purchase that you are going to want to enjoy for a long time. A great way to help ensure this happens is by getting insurance for it. A full insurance plan will cover many situations that could result in a loss. 

Those that are in the Arvada, CO area and own a motorcycle need to properly assess their insurance needs. If you do choose a new insurance plan in this area of the state, you should call Alliance Insurance Services. The team with Alliance Insurance Services can help you evaluate your different insurance needs and options. This support will ensure that you and your motorcycle continue to be properly covered at all times. 

How Does Whole Life Insurance Work?

Whole life insurance is a type of insurance that is a part investment and part insurance. It is an interesting type of insurance that can be helpful to families in a number of ways. If you are interested in whole life insurance, contact us today at Alliance Insurance Services in Arvada, CO.

Death Benefit

Perhaps the simplest aspect to whole life insurance is its death benefit. This is the amount that is paid to your beneficiaries upon your death. When the policy is created, you choose a death benefit amount. This amount will determine the amount of your monthly premiums. Higher benefits mean higher premiums.

Cash Value

What often sets this type of life insurance apart for many is that the policy will build its own cash value over time. As time goes on, the premiums you pay for your insurance are invested by the company, and part of that income is reflected in a cash value for your policy. This is an amount that you can borrow against if you need to. Having a big financial emergency is made a lot easier to handle for many who have this kind of policy. 

Whole Life

The insurance company can’t cancel your policy no matter how old you get as long as you keep paying the premiums. Whole life policies are just that- they are good for your whole life. Keep your whole life policy in good standing and the death benefit and cash value will both be there when they are needed. 

Get Your Whole Life Policy

If you are interested in this type of life insurance, it’s a good idea to get started and lock in your premium price. Give us a call at Alliance Insurance Services in Arvada, CO to discuss this type of life insurance with an insurance agent. 

Required Commercial Insurance in Colorado

Getting commercial insurance in Colorado must be done to stay compliant with state law. There are two types of commercial insurance that are required for most small businesses, and there are other policies that come in handy but are not required. If you want to know more about helpful commercial policies, call us at Alliance Insurance Services in Arvada, CO.

Workers’ Compensation

Colorado requires every business of every size to have workers’ compensation insurance for each of its employees. This coverage is required for every business that has one or more employees. And, people who do work for the company are presumed by the state to be employees, and they have to have this coverage for them even if they are not signed on as employees. Workers’ compensation insurance pays for the bills due after an employee gets sick or injured while performing work for your company. 

Commercial Auto Insurance

Every vehicle that is owned by your business must be covered by a commercial auto policy. These policies come with a number of different mandatory minimums for several types of coverage. These include bodily injury liability and property damage liability. It is not required by the state to have this coverage for vehicles that you use for work but that are not owned by the company. However, personal auto policies generally will not pay out when there is an accident while you’re doing work tasks. In these cases, you need to get a type of policy known as hired and non-owned. 

Get Your Commercial Insurance Policies

If your business is required to have commercial insurance, don’t risk going without it. Not only could you end up owing money, but you could also end up with fines and fees. Give us a call today at Alliance Insurance Services in Arvada, CO to find out more. 

Questions to ask when buying home insurance for the first time

Being a homeowner in Arvada, CO doesn’t have to be complicated; neither is home insurance. However, reading your insurance policy and learning about critical components of your policy, such as your coverage limits and the amount of coverage you need, goes a long way towards providing a financial safety net. That means asking important questions. If you’re not sure what to ask, here are some of the questions you should ask.

What would be the cost to rebuild my home currently in the event of a loss?

This is an important question if you want to know the amount of home insurance you need. Your insurance company can easily determine the cost of building material and labor in your area to come up with your home’s approximate value. 

What factors can affect my home insurance rates?

All insurance companies, including Alliance Insurance Services, have their unique way of calculating insurance premiums. However, they use several general factors to come to their conclusions, such as the safety of the area you live in, the number of people living in your home, the size and material used to build your home, and other features in your home such as a swimming pool, home office or trampoline.

Is water damage covered in my policy?

Most insurance policies in Arvada, CO, cover water damage. However, damage from flood water is not covered. Your insurance company should explain the difference between water damage and flood damage. Generally, water damage is caused by a broken tap, burst pipe, or clogged sewage system.

Should I get a separate policy for valuable items?

Your insurer may want to see your valuables to determine whether they can be included in your personal belongings or not. In most cases, money, guns, jewelry, artwork, and fur may require a separate policy.

If you’re confused about discounts, coverages, and limits, reach out to Alliance Insurance Services and speak to one of our insurance agents. They will show you examples and provide you with several options. Call us today!

Can I Drive Without Auto Insurance in Colorado?

No. It’s illegal to drive any motor vehicle in Colorado without proper auto insurance coverage. Thus, all vehicle owners and drivers should maintain proof of continuous insurance coverage during the entire registration period. 

All usable vehicles in Colorado should get auto insurance coverage when they’re registered and during their entire usage time. The state maintains an updated database of all registered vehicles, and it compares the database to the list of insurance covers provided by all Colorado vehicle insurance firms. The state sends a notice to all uninsured vehicle owners to remind them to get some auto insurance coverage. 

What’s the Purpose of Auto Insurance? 

Liability insurance covers property damage that occurs to a third-party vehicle or property when the insured driver or car owner is at fault in an accident.  The coverage also covers bodily injury and death that may occur to any third party involved in an accident wherein the insured is at fault. 

What’s the Minimum or Maximum Auto Insurance Coverage?

The state of Colorado sets minimum auto insurance coverage levels. But individuals are allowed to buy higher auto insurance coverage levels depending on their needs. 

What Are the Penalties of Having No Auto Insurance in Colorado?

Failure to get and carry your liability insurance proof of coverage may get you fined, and your license may get confiscated. You may also spend some time in jail or do some community service for this first-class misdemeanor. 

The severity of the penalties varies depending on whether your offense is a first, second, third, or more than third offense. You may also need to pay some fee and file the SR-22 certificate to get your license reinstated if it gets confiscated.

Get Your Auto Insurance Cover Today in Arvada, CO

Are you an Arvada CO, resident, and driver or vehicle owner? If so, then get your auto insurance cover from Alliance Insurance Services. At Alliance Insurance Services, we offer premium auto insurance coverage to all Arvada, CO, residents. Visit our site to learn more.

Which RV insurance coverages should you focus on if you are a frequent RV traveler?

You don’t need to spend money on flight bookings, choosing hotels or lining up for car rentals when you own an RV. However, despite the convenience, RVers encounter many challenges that are unique to life on the roads. With that in mind, Alliance Insurance services recommend carrying specialized RV insurance to protect you within and beyond Arvada, CO. So, which coverages should you be eyeing when buying RV insurance? Here are a few options to get you started. 

Liability: You need property damage liability and bodily injury liability whether you’re using your regular car or driving a motorhome. Most states mandate that all motorists carry liability coverage as a form of financial responsibility. It helps cover damages or injuries that you cause on other people in case of an RV accident.

Uninsured/underinsured motorist: Ever thought what would happen if you were hit by an uninsured motorist? And what if they’re unable to repair the damages on your RV or pay your medical bills? You never know, so get yourself uninsured/underinsured motorist coverage to protect yourself and your investment.

Personal injury protection: This coverage helps pay medical expenses for you, your family or friends in case of a crash with your RV. It doesn’t matter who is at fault. 

Total loss replacement: If your RV is totaled within the first five years, your insurance company should replace it with a brand-new RV that is similar or almost similar to what you had. If you decide not to replace the RV, your insurance company can compensate you with the original price.

Roadside assistance: At some point in your tour, you may need roadside assistance to check, tow, or repair your RV. Most insurance providers provide towing services to help you get the vehicle to the nearest repair facility.

Personal effects replacement: If you’re a long-distance traveler, you probably carry the majority of your valuables in your RV. If they are lost, stolen or damaged, this coverage helps replace them.

Need help choosing coverages for your RV in Arvada, CO? You are in the right place because Alliance Insurance Services can help you purchase and choose RV coverages based on your travel needs and budget. Call us today!

Colorado Motorcycle Insurance Guide: Causes of Motorcycle Accidents

Thousands of Americans are killed on the roads in motorcycle accidents every year, and tens of thousands more are injured. Motorcycle accidents are not just deadly, they are also costly. At Alliance Insurance Services serving Arvada, CO, we want you to stay safe and be protected when accidents happen. Protect yourself on the road, and with your Colorado motorcycle insurance rates, by maintaining safe driving conditions at all times. Avoid these common causes of motorcycle accidents and stay safe on the roads.

Drinking and Driving

The need to stay sober and safe is not new information to anybody. Drinking and driving causes fatalities on America’s roads every year. When a motorcycle accident occurs as a result, the injuries could impair your quality of life forever. Drinking and driving is frequently listed as the top leading cause of motorcycle accidents.

The consequences of driving while drunk are not just safety-related. You could lose your license, face heavy fines, or experience significant motorcycle insurance hikes if you have an accident when you drink and drive.

Left Turning Vehicles

When another vehicle makes a left turn, it can pose a danger to motorcyclists. These vehicles often turn directly in the path of the biker, not knowing they are even there. There is nothing you can do to avoid this, as you can’t control what other drivers do.

Maintain a safe distance in heavy traffic, and try to stay away from the lanes that left turns drive into. Try to anticipate other drivers more than usual when there are left turn obstacles in the way.

Lane Splitting

Lane splitting is another leading cause of motorcycle accidents. This practice of riders is not legal in Colorado, but it is legal in some other states. Lane splitting occurs when a rider tries to save time on the roads by driving in between the lanes of slow traffic.
 
This often puts motorcycle drivers in the blind spot of other drivers, and serious accidents are the result.

Get a Quote for Colorado Motorcycle Insurance

At Alliance Insurance Services serving Arvada, CO, we want you to feel safe when you are driving your motorcycle. Contact us today for a quote for motorcycle insurance to make sure you are protected on the roads.

How Life Insurance Can Benefit You

Life insurance is a fundamental cover whose main aim is to provide a secure financial future for your beneficiaries, helping you have peace of mind during your everyday life. Below, Alliance Insurance Services covers some of the ways that life insurance can benefit you during your residence within Arvada, CO.

To Pay Off Debt and Cover Day to Day Expenses

Life insurance is designed to help your family offset outstanding debts when you pass away, acting as a long-term source of relief. Some of the expenses covered by this policy include car loans, mortgages, and credit card bills. Life insurance payouts can also replace your income, helping your beneficiaries cover their daily expenses such as tuition fees and childcare costs.

Offsetting Final Costs

If your underlying medical insurance policy does not cover your final costs, life insurance will be an ideal option. These include funeral costs, hospital bills, and cremation expenses. If you also have any outstanding estate settlement costs, life insurance will help cater to these. Additionally, your life coverage can also be used to settle any state estate taxes you leave behind.

Making Charitable Donations

Beneficiaries come in many forms, from individuals to charity organizations. If you have no loved ones or prefer to include your favorite charity in your policy, life insurance will offer you the chance to do so. By naming your preferred charity as a beneficiary, you ensure that your philanthropic needs are met even after your death.

Providing Inheritance

When you pass away, you need to make sure that your loved ones have a secure financial future. Life insurance will help with this, providing your beneficiaries with enough payout for inheritance purposes. This allows them to pursue any business venture of their choice or live life comfortably without any financial struggles.

Life insurance can be a difficult issue to navigate, and that is why Alliance Insurance Services will help you discuss the various options under this policy. Contact our Arvada, CO agents for a chance to give your family a secure future.

5 Benefits of home insurance

Buying a house is not only the single largest investment for most people, but it is also a herculean task that involves a lot of research, planning, patience, and saving. With an increase in calamities, not having home insurance can result in a huge financial setback. At Alliance Insurance Services serving in Arvada, CO, our agents walk with you to offer you a policy that suits the needs of your home.

What does a home insurance policy cover?

A home insurance policy is a form of property insurance that covers you against financial liability due to damages on your individual residence, home assets, and finishings. Damages include both interior and exterior damages or injuries experienced while on the property. A home insurance policy will also cover you against legal liability from suits arising out of damages or injuries within your residence.

Benefits of home insurance

  • Loss replacement

Having a home insurance policy allows you to enjoy financial security. Depending on your home insurance policy you have opted for, your damaged personal assets can be replaced at their actual value or have them replaced. This protects you from unplanned financial obligations.

  • Lawsuits protection

A home insurance policy protects you from property-related lawsuits. Property lawsuits could result from accidental damage to other people’s property either through fire or mechanical damage. The policy also covers medical expenses on guests injured while on your property.

  • Protection from natural disasters

A detailed home insurance policy protects you from natural disasters such as earthquakes or landslides.

  • Peace of mind

The assurance of your home security allows you to enjoy the luxury of peace of mind. You can sleep without worrying about unexpected disasters and calamities.

  • Protects more than your home

A home insurance policy covers other components of your compound such as the garage, fence, or deck.

Please visit Alliance Insurance Services in Arvada, CO and get to know of the many benefits you will enjoy from having a home insurance policy. You can also visit our website for further information.

  • Safeco
  • Travelers
  • Electric
  • Metlife
  • ASI
  • Progressive
  • Hartford
  • Foremost
  • Lockton
  • Auto-Owners
  • Berkley One
  • Nationwide

Company Overview

Alliance Insurance Services founded in 1992 has a long standing relationship with both customers and community. Since our start, Alliance Insurance Services has been headquartered at 5440 Ward Rd. in Arvada, Colorado. We also have locations throughout Metro Denver as well as Northern Colorado. Alliance Insurance Services is a proud long time supporter of the Children's Miracle Network, the Better Business Bureau, and the Professional Independent Insurance Agents of Colorado.

Mission Statement

Alliance Insurance Services is dedicated to a lasting relationship with our clients and community through superior service and value. We provide security with quality products and innovative technology. Our team has created an environment that instills trust with those we come in contact with.

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