RV Insurance For Your Road Adventures

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. 

Do At-Home Businesses Need Commercial Insurance?

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.

Home Insurance In Colorado: Is Your Policy Up To Date?

Residents of Arvada, CO may want to periodically review all insurance policies. This is something that frequently gets overlooked. You set up your insurance when you purchase your home and you don’t give it another thought until something happens. Maybe it was a situation you didn’t think would apply to you. Maybe you didn’t have kids yet. Maybe you were new to the area and weren’t sure what the weather was like or didn’t factor in all variables. Needless to say, you now realize maybe you needed more coverage for certain areas.

Every few years, it’s a good idea to sit down with your Alliance insurance services agent to review your policy and make any necessary changes. 

When is the last time you read your homeowner’s insurance policy? Have you ever read it? What is covered, and more importantly, what isn’t covered? If you buy a new trampoline for your children and someone gets hurt, are you covered? If your dog bites the mailman, are you covered? If you need to rebuild your home, are you covered? What about mold?

Do you have too much insurance coverage? This is always a possibility. Could your rates be lower? All these are questions you can get answered. Rather than give yourself a headache trying to understand the legalese jargon, why not make an appointment with your agent and have them go through the policy with you. This will give you clear answers to any questions you may have. You’ll come away with an understanding of your coverage, and possibly make adjustments to your policy that will help you avoid problems in the future. 

 

What to do if Your Car is Stolen in Arvada, CO

Roughly 250 vehicles are stolen every year in Arvada, CO. While the number is low, there is still a possibility that your vehicle can be stolen at any time. At Alliance Insurance Services, we want you to be prepared, here are some steps you should take if your car is stolen.

Upon arriving at where you parked your car your first instinct might be to freak out or panic. Before all else, you should try to remember to remain calm. Determine that your car hasn’t been towed, repossess or that you may not have gone to the wrong parking area. After you’ve ruled out all other scenarios and are sure that auto theft has occurred, your next instinct might be to get angry. Although it can feel like the worst thing in the world to have happened, things could be worse.

The first thing you should do is call the police and file a report. The police will need a description of your vehicle including the make, model, and color. They will also need your license plate number, so it is always a good idea to memorize it.

The next thing you should do is call your auto insurance company and file a claim. This is a crucial action because should your be used to commit any crime, or cause physical damage to people or property, your insurance company can protect you from liability. Your insurance company will work with you and law enforcement to figure out the appropriate solution to your car theft woes.

Alliance Insurance Services knows that you need auto insurance that will protect you against vehicle theft. Contact us today for all your auto insurance needs in Arvada, CO.

 

How different is RV Insurance from Auto Insurance?

A recreational vehicle is similar to a car in many ways, a factor that contributes to the willingness of insurance companies to issue a policy. If you plan to travel to a new destination in your recreational vehicle, it would be important to understand how RV insurance differs from regular auto insurance. Please reach out to Alliance Insurance Services for an RV insurance quote in Arvada, CO.

Full-timers insurance

The full-timers insurance under this policy will cover any loss or damages that occur when the RV is parked or when the vehicle is used as a primary residence. This kind of coverage will be similar to that offered by homeowners insurance. Full-timers insurance will also meet medical bills and emergency-treatment for any third party that sustains injuries while in or around the recreational vehicle.

Emergency expense coverage

Some RV insurance policies provide coverage for any emergency expenses incurred while the vehicle is being repaired. In order for this to happen, the losses must have occurred within a specified distance from the RV and should have occurred while the vehicle is being repaired. In case you found an alternative stable residence during the repairs, the policy will also cover meals and the related traveling expenses.

Campsite liability insurance

The liability insurance is designed for RV owners who use their vehicles as their residence. The policy will not only provide full coverage for equipment such as camping gear and portable electronics but also liability from injuries caused by the camping equipment that you keep in the vehicle. This allows you the peace of mind you need to use the RV for camping activities.

You may want to use your recreational vehicle for different activities in Arvada, CO. Before hitting the road with your RV, kindly contact Alliance Insurance Services to learn more and to purchase RV insurance that will keep you protected.

Tips for Avoiding Motorcycle Accidents

Most motorcyclists in the Arvada ,CO area know that riding a motorcycle is more dangerous than driving a vehicle. They also know that when accidents do happen, they can be severe. For these reasons, safe motorcycling habits are a priority. The best way to avoid accidents is to pay close attention to these safety tips.

  • Always wear a helmet because it can reduce the severity of an accident.
  • While not all states require motorcyclists to have a license, it improves safety because often there is a knowledge and skills test to pass. 
  • Consider getting professional training and a safety course to improve motorcycle handling skills.
  • Be aware of your riding skill level to keep from overestimating your skill in managing a tricky situation.
  • Wear protective clothing that has bright colors to make you more visible.
  • Maintain your motorcycle to make sure the tires, lights, engine, and breaks are in excellent condition.
  • Do not share lanes with other vehicles because you can be missed.  People in cars don’t expect to share lanes with motorcycles and often make quick lane changes.
  • Avoid road hazards such as debris in the road or things that may make the road slick.
  • Watch the road, especially when passing to avoid head-on collisions.
  • The most dangerous situation is when a car is making a left-hand turn, so this is a situation to be especially cautious of because the driver may not see you unless your headlight is working.
  • Avoid lane splitting when vehicles are stopped, and the motorcycle travels between the sitting cars. This can be a recipe for disaster.

Alliance Insurance Services

Alliance Insurance Services partners with other companies to provide insurance coverage in the Arvada, CO area. Our agents will compare policies and locate the best option for your needs.

How to Insure the Specifics Needs of Your Business

If you are starting a business or acquiring an existing business, one of your first calls should be to your agent at Alliance Insurance Services serving Fort Arvada, CO and the surrounding areas. They will give you expert advice on commercial insurance and help you understand the different types of coverage that are available.

Customization of Commercial Insurance

There are standard commercial insurance policies that almost every business needs and those policies are the basic foundations for commercial insurance. These policies can be tailored towards the types of commercial operations. For example, the insurance needs are quite different for a commercial office space, when compared to a retail establishment, or a manufacturing facility.

Special Insurance Needs

Here are some examples of special insurance needs.

Since the legalization of marijuana for medicinal and recreational use in the state of Colorado, new businesses and business models, such as cooperatives, are increasing. The products offered for sale require new product liability insurance that specifically covers these new products. Insurance underwriters now provide coverage for growers, physicians, dispensaries, recreational shops, and accessories manufacturers.

If you have a home-based business, it is prudent to have coverage for the business operations to cover the equipment used for the business and any risk of liability for clients visiting your home.

Commercial Insurance Review

Even if you already own a business and place your insurance through another agency, it is a good idea to ask for a review by Alliance Insurance Services to use as a cost comparison. Alliance Insurance Services prides itself on being a solutions-oriented agency that works on behalf of its small business clients to provide the coverage needed at cost-efficient rates.

Summary

Every business owner needs help from their insurance agent to protect the business and get good rates for insurance coverage, while at the same time working with quality and well-established insurance underwriters that are responsive and supportive in the case of needing to make an insurance claim.

The best way to determine if your commercial insurance is adequate for your specific needs is to consult with your agent at Alliance Insurance Services in Arvada, CO.

When Should You Consider Life Insurance?

For many people, life insurance is a type of insurance that is not at the top of their priority list but that does not mean that you should not think about getting it. People from all ages in Arvada, CO can benefit from life insurance so if you are wondering when you should consider life insurance, the answer is now. However, if you are not yet convinced, these are some other times, according to Alliance Insurance Services, you should consider getting life insurance.

  • When you have dependents or want to provide for someone. If you have children or a spouse that relies on your income now, then you need to make sure you get life insurance to take care of them in case you are gone. You should take a look at your dependents and possibly any others, such as parents or godchildren, that rely on you and make sure you get enough to cover them.
  • If you think your time is almost up. It is always best to get life insurance when you are younger, but if you have waited and your days are numbered, you should go ahead and make the purchase. 
  • To cover any final expenses. If you are like most people, you have a debt of some sort and the last thing you want to do is leave a lot of debt for someone else to take care of in case you were gone. When purchasing life insurance, you should make sure you have enough to cover all of those expenses so that they do not have to take on the burden of paying it for you. 

If you would like to learn more about your life insurance options and get some quotes, be sure to reach out to Alliance Insurance Services, serving Arvada,CO today. 

How Do I Add After Market Parts to My Auto Insurance Policy?

After market parts can add a lot of value and character to your car. But most people do not realize that they are likely not covered if you are involved in an accident. This is because most insurers will not include them unless you specifically add them to your auto insurance policy. The reason for this is that most policies only cover standard items on the car. Here is some information you should know if you are looking to add after market parts to your auto insurance plan.

If you need to add after market parts to your auto insurance plan, you should be sure to save the receipts for the cost of the item and how much it cost to install. This gives your insurer an idea as to the value of your part. This can be important as the insurance policy will typically only cover the value of an item you have added.

Next, be prepared to provide your insurance company with pictures of your car. Since your car is modified, they will need pictures. This will help them if your car is in an accident. They need to know what your modified car looked like prior to the car accident.

Lastly, be prepared for your car insurance to slightly increase. When you modify your car and add after market parts to your plan, you are increasing the value of your car. If your car is stolen or in an accident, the auto insurance company has to pay more money. As such, your auto insurance plan slightly increases.

Have you added after market parts to your car? Are you looking to have them included on your auto insurance policy? We can help. Call Alliance Insurance Services, serving the greater Arvada, CO area today to get started.

How to File an Insurance Claim After a Burglary

The realization might hit as you enter the front door of your Arvada, CO home and find your house has been trashed. Or it might occur when you explore your bedroom and notice that all of your jewelry, cash, and valuables were taken. Whenever it occurs, figuring out that you have been a victim of a burglary is a startling, vulnerable sensation. All feelings aside, you probably want to get your house back to normal and replace your valuables. Here are the steps recommended from Alliance Insurance Services to get the ball rolling on filing your insurance claim.

Call the Police

Even if you’re sure the thieves are gone, you still should call the police. Your insurance company will require a police report to get started on your claim.

Call Your Insurance Company

Right after you’ve called the police, call the main number of your insurance company to get the claims process started. Have your policy number handy, and write down the instructions that you will receive.

Take Photos of the Damage and Mess

Many families want to immediately begin cleaning up the mess and setting things right. However, hold off on that until you’ve made detailed photos of the rifled desk drawers, damaged items, and other mess. If your agent wants to send an inspector, you may be instructed to wait until he has come by to take a look at everything.

Make a List of What Is Missing

If you have a home inventory, this step should be easy. If you don’t have one, do the best that you can to determine what is gone. If you have receipts for the items missing, getting your claim filed will go much more quickly. Use specifics when describing items, and if you can figure out serial numbers for electronics, weapons, and other items, it will help things move faster. Don’t forget to include broken windows, doors, or damaged locks when you file your claim. Your insurance company should pay for their repair.

Stay In Touch with the Insurance Company and Follow Their Instructions

Every time you talk to someone on the phone, write down the name of the person you’ve spoken to and ask how long you should wait before calling back. Keep a file or envelope with all of your correspondence, receipts, photos, and records handy. If something turns up that you thought was missing, call the insurance company and let them know. Being paid for an item that you have in your possession is considered insurance fraud.

If you need advice about your insurance needs, contact Alliance Insurance Services, serving the Arvada, CO area.