Variables To Consider While Researching Different RV Insurance Policies

Based in Arvada, CO, Alliance Insurance Services is dedicated to helping the community find the insurance coverage that they need. We strive to offer our clients superior customer service. As an independent insurance agency, we are committed to helping our clients find custom policies that suit their needs.

RV Insurance Variables

Whether you are driving your RV through Colorado or you are taking a vacation, it is important that you have protection. RV insurance protects your vehicle if it is involved in an accident or is vandalized. You’ll also be covered in the event that you are involved in an accident where you may be held liable. While you are researching different RV insurance policies, here are some variables to think about.

Will You Travel Frequently?

If you plan to travel around the country in your RV, you’ll likely need a special type of policy compared to traditional RV insurance coverage. Personal possession coverage will help you protect your valuables such as clothing and electronics.

Storage

During periods where you don’t plan on using your RV to travel around a lot, research the language concerning storage in your policy. The terms of your policy may change based on whether you are storing your RV in a rural countryside area or a more urban setting.

Appraisal

Before making a final decision on which type of policy to choose, consider getting your RV appraised. That way, you will have a clear idea of what the true value of your RV is.

Special Coverage

If you have special valuables, such as artwork in your RV, you may need to amend your coverage. This is also a good idea if you have any equipment or accessories attached to your RV. This will help ensure that you have full coverage.

Alliance Insurance Services Will Help You Through The Process

For over 20 years, we have helped the Arvada, CO community find coverage. Visit our website to learn more information today.

Keep Riding with Motorcycle Insurance

If you love to cruise the Arvada, CO roads on your bike, then it’s important that you get motorcycle insurance. Maybe you’re unfamiliar with motorcycle insurance and you’re not sure what exactly it covers. Luckily, the experts at Alliance Insurance Services are here to show you the in’s and out’s of motorcycle insurance and how you can protect your ride. 

What Does Motorcycle Insurance Cover? 

Motorcycle insurance is a type of auto insurance that provides financial coverage for your bike if it sustains damage from an accident or other incident. If you’re unfamiliar with motorcycle insurance protection, here are some areas in which you can receive coverage with motorcycle insurance: 

  • Damage to your motorcycle
  • Damage to another person’s motorcycle
  • Damage to another person’s property
  • General liability
  • Injury
  • Medical costs
  • Replacement costs

These are just some of the areas in which you can receive coverage from motorcycle insurance. The specific coverage types and amounts will depend on what type of motorcycle policy you choose. To find the perfect motorcycle insurance policy for you, visit Alliance Insurance Services. 

Why Is Motorcycle Insurance Important? 

Motorcycle insurance can help provide you with peace of mind on the Arvada, CO roads. It’s easy to overlook the possibility of an accident since your motorcycle isn’t your car. It can be even easier to overlook getting into an accident if you don’t drive your motorcycle all that often. However, should you get into an accident on a motorcycle, it can be quite significant, so it’s important that you have the right policy. 

Ride Safely with Alliance Insurance Services

When it’s time to choose a motorcycle insurance policy, visit Alliance Insurance Services to help you find the perfect policy for you. Our office serves the Arvada, CO roads, and you can contact us over the phone or online to set up a consultation appointment. 

5 Tips for Choosing the Right Life Insurance Beneficiary

To get the most from your life insurance policy in Arvada, CO, it’s important to choose the right beneficiary. Your beneficiary is the individual who will receive death benefits after you’re gone. These tips from Alliance Insurance Services can be helpful in selecting a beneficiary for your life policy.

Immediate Family

Your first consideration should be members of your immediate family such as your spouse or children. If you were to suddenly pass on, life benefits can help replace your income so your spouse can pay bills, buy food, pay off debts, and care for your children after you’re gone. This is especially important if you’re the only source of income for your family.

Parents & Siblings

If you’re supporting your parents or younger siblings now, you can continue supporting them after your demise by designating them as full or co-beneficiaries with your spouse and children.

Splitting Benefits

Life benefits can be split between several beneficiaries if you desire. It can be an even split or you can designate the percentage to be left to each. This gives you greater control over who you want to help financially and how upon your demise.

Debts

If you have co-signed loans with your spouse, parents, or business partner, you may want to make an allowance for paying these off in your life insurance policy by naming these individuals as your beneficiaries. This way no one is left with the burden of paying off a mortgage, business loan, or student loan after you’re gone.

Charity

If you have no family, consider a favorite charity as your beneficiary to better the lives of those in need in your local community.

For more information about life insurance policies and beneficiaries, call or visit Alliance Insurance Services, serving residents in Arvada, CO and surrounding communities.

Commercial Insurance Coverage for Small Business

Small businesses have different risks and needs than large businesses. Most small businesses need some type of commercial insurance. At Alliance Insurance Services, we help small business owners in Arvada, CO by providing the insurance coverage they need. 

Liability Insurance for Small Businesses

General liability insurance is recommended for most businesses. This gives you financial protection from many types of liability, including medical expenses, property damage, and legal costs of defending yourself against a claim. It doesn’t cover liability that occurs as a direct result of your business operations. Doctors, lawyers, and financial advisors are a few examples of businesses that need professional liability. If a mistake in your work could cost a client or customer, you may need this coverage. Product liability insurance provides coverage for your products.If you manufacture a product and it causes an injury, this will cover your liability. 

Property Protection

Commercial property insurance is recommended if you own a physical place of business. This includes stores, manufacturing facilities, and office buildings. It covers the structure itself, as well as your equipment and inventory. If you have a home-based business, you may be able to add a rider to your homeowner’s policy to cover your business equipment and inventory. This can add extra liability protection as well. 

Business Interruption Insurance

Business interruption insurance can replace your income if your business is shut down temporarily. The most common scenario is physical damage to your place of business, but other situations may be covered in your policy as well. Small businesses often operate on a thin profit margin. A few weeks without income can put your business in jeopardy. Business interruption insurance provides money for expenses until you are up and running again. 

If you are a small business owner in Arvada, CO, contact us at Alliance Insurance Services. Our agents will speak with you about your business needs and help you select policies that provide the needed protection. 

RV Insurance Coverage Options for Arvada, CO Residents

Whether you plan on driving your RV down the street or across the country, you need an active insurance policy. It’s important you are aware of the coverage that is required by CO to ensure you are in compliance with the current RV insurance laws. Here are the facts and coverage options for your RV in Arvada, CO.

Is RV Insurance Mandatory in CO?

If you plan on operating an RV, you’ll need adequate insurance coverage. In Colorado, as an RV driver, you are required to carry liability insurance and underinsured/uninsured motorist coverage. Underinsured/uninsured motorist coverage is necessary :

  • If you are using the RV part-time
  • If you’re renting an RV to take a vacation
  • When you purchase an RV, trailer or camper
  • If you live in the RV full-time

Even though you may have an active homeowner’s insurance policy or auto policy, these insurance options do not provide adequate coverage for your RV.

What Does RV Insurance Cover?

RV insurance in Colorado includes:

  • Collision
  • Liability
  • Comprehensive

Collision Coverage – This coverage handles the expenses if you collide with one or multiple objects or vehicles, regardless of who is at fault.

Liability Coverage – This insurance coverage handles the expenses associated with bodily injury, property damage, and legal fees if you are at fault for an accident.

Comprehensive Coverage – Comprehensive insurance covers everything liability and collision insurance does not. This insurance handles the damages due to smoke and fire, wildlife, vandalism, lightning, hail, and similar scenarios.

You may also want to consider purchasing underinsured/uninsured motorist coverage. This type of insurance provides coverage for you and your passengers in the event you are involved in an accident and the other party does not have adequate insurance coverage.

Here at Alliance Insurance Company, we provide a variety of insurance options for Arvada, CO residents, including home, auto, business, and life insurance. Contact us today to inquire about our insurance solutions. We’re here to help you.

3 Reasons to Sign Up for Motorcycle Training Classes

Whether you’re new to motorcycle riding or have been riding for years, you can benefit from motorcycle training classes. At Alliance Insurance Services, we recommend Arvada, CO riders take advantage of riding classes to hone safety and riding skills that can make them better riders. If you’ve never attended a motorcycle training course before, here are some good reasons to sign up for one today.

Improve Safety

Motorcycle training can improve your safety on the road. Classes will include a review of Colorado traffic signs and laws designed to reduce accidents. Your instructor will also go over safety measures that can keep you safe when riding within the city or on Colorado highways.     

Enhance Riding Skills

Motorcycle training can benefit both new and experienced riders. After some time, it’s only natural for experienced riders to become less vigilant on the road, putting them at risk of accidents. Motorcycle classes can help refresh and enhance your riding abilities to help prevent accidents.

As a new rider, you will learn how to ride defensively to avoid accidents. You’ll practice your skills in a safe, controlled environment. You’ll benefit from the counsel and training of motorcycle instructors with years of experience in their field. Your hours of practice and training will give you greater confidence to integrate into city and highway riding.

Reduced Insurance Costs

Completion of a motorcycle training course in Arvada, CO could make you eligible for discounts on your motorcycle insurance. By putting your training into practice, you’ll reduce your risk of accidents, which can qualify you for insurance discounts due to being a safer rider. Motorcycle training will also enhance your riding experiences so you can enjoy your road trips to the full.

To learn more about motorcycle coverage or purchase a motorcycle policy, contact us at Alliance Insurance Services.

3 Life Insurance Facts You Should Know

If you live in Arvada, CO, there’s no doubt that you have a lot of things on your plate on a regular basis. When everyday life eats up so much of your time, life insurance is almost certainly not on your list of top priorities. While this is entirely understandable (and normal), sometimes it’s easy to put life insurance off until it’s too late. Alliance Insurance Services wants you to know more about your options, so you can make smarter decisions. 

1. Life Insurance Is Flexible 

This is usually the first thing that people should learn about different types of insurance plans. You may see this as meant for exceptionally wealthy people with vast estates. But it could be as simple as setting up a term policy until your youngest child reaches the age of 21. Some people like to have the option of having life insurance as a safety net, meaning their plan has a savings component that can be used for new home repairs, a vacation, or their grandchild’s education.

2. Life Insurance Doesn’t Wait 

The longer you wait to set up your policy, the more complicated it becomes. And if you wait too long, you may just end up in an expensive position that could have been avoided. Asking the tough questions now is a lot easier than if you keep delaying until next year.

3. Life Insurance Depends on Your Carrier 

While many plans may look the same, the life insurance carrier will have a lot to do with how claims are processed and settled. If you’re looking for someone you can trust, Alliance Insurance Services is here to help the people of Arvada, CO get what they need. Give us a call for a quote to find out more. 

Does my small business need commercial insurance

Colorado is one of the top five friendliest states for small businesses making Arvada, CO a great place to grow your business. Small businesses face lots of challenges and as a business owner, you understand just how tough it can be to grow and thrive. You may be considering whether or not your small business needs commercial insurance. Commercial insurance is not one insurance, it has lots of different options, and talking to the knowledgable staff at Alliance Insurance Services can get you the information you need to decide how commercial insurance can benefit your business. 

In the state of Colorado, an employer with one or more full or part-time employees is required to provide workers’ compensation. This is just one aspect of commercial insurance that can be easily taken care of for you. It is good for you and good for your employees to have this important coverage. 

That is the only coverage that is required by the state but other coverages may be required by landlords or those who hold a lease on any of your equipment. Property insurance makes sure that in the event of a covered hazard happening to the building where you do business, your equipment, supplies, inventory, and more will be covered and you will be able to replace or repair it. 

Commercial liability insurance protects you from a suit that is brought against you from someone who might be injured while visiting your business or by a product of your business. Business interruption insurance can make sure that if you are unable to remain in business due to a covered event you will have the money to pay your day to day expenses. 

For the most part, you don’t need all commercial insurance but some parts will be very valuable to most small businesses. Give Alliance Insurance Services in Arvada, CO a call to set up an appointment to discuss the needs of your small business. 

Three RV insurance features to take advantage of

You should familiarize yourself with everything that RV insurance can offer in Arvada, CO when you’re buying a policy. There are many features that policies from providers like us at Alliance Insurance Services can offer. 

The following are three RV insurance features you might want to take advantage of in your insurance policy.

Towing and roadside assistance coverage

Most RV insurance policies should come along with some coverage for towing and roadside assistance. This coverage is important. If you break down, you will need to have your RV towed to a garage that can offer repairs. This can be expensive if you are located far from town. That’s why having towing and roadside assistance coverage is so important. 

Personal property coverage

RV owners typically have a lot of their personal items in their RV. These items could become damaged or destroyed in the event of an accident. With personal property coverage on your RV insurance policy, you could be reimbursed for damages to your personal property. 

It’s important to evaluate the value of your personal belongings within your RV. To enjoy maximum protection, you should have personal property coverage on your policy up to the full amount of the value of the possessions in your RV. 

Full-time coverage

You’re going to need more coverage if you live in your RV full time. In this case, you want to invest in full-time coverage. The premiums for such a policy may be slightly higher than for an average RV insurance policy. However, it will offer much-needed added coverage for full-time RV residents. 

If you’d like to learn about all the features that go along with our RV insurance in Arvada, CO, contact us. At Alliance Insurance Services, we’re here to provide you with helpful tips and information to ensure that your insurance needs are met. 

Three motorcycle insurance add-ons to consider

You need to find the right motorcycle insurance policy in Arvada, CO to protect yourself from financial liabilities. At Alliance Insurance Services, we offer a variety of options to those on the market for motorcycle insurance.

The following are three motorcycle insurance add-ons you might want to consider if you’re looking to insure your bike. 

Loan/lease gap coverage

It’s possible that you’ll be dealing with an underwater loan or lease on a motorcycle at the moment when your bike gets totaled. In this case, you would have to continue making payments on a bike that you don’t have anymore.

If you purchase loan/lease gap coverage, you’ll be compensated for any leftover payments on your loan or lease. 

Uninsured or underinsured motorist coverage

There are a lot of motorists out on the roads who are not carrying adequate insurance. If you have the misfortune to get in an accident that is caused by one of these motorists, you’ll want to have uninsured or underinsured motorist coverage. This provides additional coverage to make up for a lack of insurance on the part of another motorist. 

New motorcycle replacement coverage

A typical insurance policy will cover you for the estimated market value of your bike in the event of a total loss. However, you might want to be able to buy a completely new bike if your bike gets totaled. To get full coverage for a new replacement bike, you’ll need to add new motorcycle replacement coverage to your policy. 

We’re here to answer all your questions on these motorcycle insurance add-ons and more. If you would like to learn about our policies in Arvada, CO, contact us at Alliance Insurance Services.