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Alliance Insurance Services

5440 Ward Rd. Ste. 215
Arvada,Colorado 80002

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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.

Three Things You Need to Understand About Auto Insurance

As a motorist, there are certain fundamental truths that you need to understand when it comes to auto insurance. These truths are usually relevant regardless of where you live. Understanding these truths will help you to navigate your insurance needs more effectively and seek the best type of automobile coverage for your vehicle. Alliance Insurance Services of Arvada, CO is committed to helping drivers understand the primary benefits and purpose of auto insurance.

1. There is a Primary Purpose for Auto Insurance…
Basically, auto insurance is designed to protect the driver, other drivers, and property, should an accident occur. Investing in the right car insurance provides essential protection to you and your passengers, as well as other drivers on the road. The right coverage allows you to take care of any injury to others as well as damage done to property if you are declared at-fault. 

2. There are Forms of Auto Insurance Required for Most Motorists.
Liability is most commonly a requirement in every state in the US. Liability insurance must be purchased following state minimum coverage requirements for both property damage and bodily injury. This type of insurance would pay for another driver’s medical bills and car repairs, in addition to any property damage that you might be responsible for as a result of an accident. Also, some states may require you to carry uninsured/underinsured driver coverage.

3. Additional Insurance Coverage is Sometimes Necessary, Depending on Your Situation. 
Although liability insurance may be required by your state as a minimum insurance requirement, you may need to carry more. If you have an auto loan, lenders will typically require a motorist to carry full or comprehensive auto insurance as a way of protecting their investment in your car. A car loan is an indication that you haven’t completely paid off your car. If something were to happen before your car was paid off, a full coverage policy would ensure that the lender was financially compensated for the loss. If you have questions about what auto insurance does and doesn’t do, and what type is best for you, give us a call. 

Who needs to get RV insurance here?

The Arvada, CO area is a fun area for people to live in. Those that enjoy being in the outdoors will love the wide range of activities that are available to them. If you are going to live here and want to enjoy it as much as possible, you should get an RV. Those that do opt to get an RV need to consider their insurance needs. There are many scenarios in which an owner needs to have an RV insurance plan. 

Those with Financing

A common situation when someone will need to have RV insurance is when they have taken out financing. It is very common for people to finance their RV purchase with a loan. If you have decided to do this, it can help to save cash upfront but you will have insurance obligations. The lender will likely have specific RV insurance needs that need to be met until you have paid off the loan.

Those that Drive

You will also need to have an RV insurance plan when you want to drive your car on a public road. Those that choose to take any type of vehicle out on the public roads in this state are required to have liability coverage. This requirement extends to RV drivers. When you get a full RV insurance plan, you will also get the coverage that is needed to comply with this law.

If you need to get an RV insurance plan in the Arvada, CO area, you should call Alliance Insurance Services. The team at Alliance Insurance Services is dedicated to helping people get into proper insurance plans. When you do speak with the team here they can offer great guidance and support that will help you build a plan that is right for you. 

Do All Motorcycles Need To Be Insured?

You probably know people who ride dirt bikes and four-wheelers without insurance, so you’re wondering: Do all motorcycles in Arvada, CO need to be insured, or are there exceptions?

The fact is that it’s not really about the motorcycle, it’s about how you’re using it.

Public Roads vs. Private Property

Pretty much any automotive vehicle that you’re taking out on public roads has to be insured by law.

Any vehicle that you will only be operating on private property, that’s typically going to be at your discretion.

Of course, it’s a good idea to get your motorcycle insured even if you’re only going to be riding it on your friend’s ranch. Just because you’re not on the highway doesn’t mean nothing can go wrong. But legally speaking, insurance laws are there to keep our public roads safe, and you can usually do what you like on private property as long as you have permission to be there.

The only exception you could find to this rule might be if you wanted to call an electric bicycle a motorcycle. It’s not a motorcycle, at least as far as your insurer is concerned. But if you want to call it a motorcycle, there’s nobody stopping you.

Of course, you probably weren’t planning on taking your eBike out on the highway, so it’s a moot point anyway.

So what it comes down to is where you’re riding. If you’re just cruising around on privately owned dirt tracks in and around Arvada, CO, it’s up to you. But as soon as you ride onto a public road, you’re going to have to call Alliance Insurance Services.

The goods news is motorcycle insurance is usually pretty affordable, so get in touch with Alliance Insurance Services and see what they can do for you.

How much life insurance is enough

No beneficiary of life insurance has ever said, "Wow, they had too much insurance". But how much life insurance is enough? There is a fine balance between the amount of life insurance that will protect your family and the amount you can afford to have. You need to consider several factors when coming up with the perfect amount. Your independent insurance agent can help you to determine that amount and help you find a policy to fit your budget. If you live in or near Arvada, CO, at Alliance Insurance Services we have spent almost 30 years building strong relationships with our customers 

Debt

No matter what your age, you should have enough life insurance to pay any debt you have. Obviously, your debt may fluctuate and isn’t the same at all periods of your life. Somethings are static, however, like a mortgage payment. If you always have a car payment, keep that in mind as well. Included in this figure should be enough money to pay for your final expenses which depending on what you want can be quite expensive. 

People who count on you

When you are younger, it can be elderly parents or a sibling who you are helping out. As you mature it may increase significantly when you marry and if you have children. When your children are young, losing a parent will be devastating and even more so if they can’t continue to live in the home they are used to. The age of your children affects how much life insurance you need. 

Considering these things, experts recommend 7-10 years of income in life insurance. The amount you will need is directly related to your yearly income. As your children grow up and move out, you can reassess the amount of life insurance you need. 

Contact Alliance Insurance Services in Arvada, CO for your life insurance needs.

  • 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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