5 Tips to a Successful Motorcycle Road Trip

Riding your bike to and from work in Longmont, CO is one thing – going on an extended road trip is another. If you’re planning to explore Colorado on your bike this summer, the following tips can be helpful in making your road trip a success. 1st American Insurance Agency has a few tips for making your next motorcycle road trip more comfortable. 

Start with a Comfortable Bike

A comfortable bike is a must for long distance riding. If your bike needs modifications to enhance comfort, get them done before taking off on the road. A change in handlebar, more comfortable seating or improved headlights can make a big difference in how you enjoy your travels.

Use Proper Riding Attire

The proper clothes, i.e. well-fitting riding pants, jacket, ankle boots and a full-face helmet, will protect you from the elements and unforeseen accidents on the road. Safety is of utmost importance when traveling far from home.

Pack Light

The less you pack, the less bulk and weight you have to carry. Be selective in your choice of clothing- you can always wash and reuse them during your travels. Bring travel size personal hygiene products that take up little space and a compact first aid kit for minor emergencies that may arise. If you plan to make road trips a regular part of your life, invest in proper motorcycle luggage for greater ease in packing and traveling.

Plan Your Trip

Plan your trip in advance. Mark your routes, check out weather forecasts and book hotels, if any, where you plan to stay. Stop and rest as often as needed, drink plenty of water and take time to enjoy the views.  

Review Your Motorcycle Insurance Coverage

Make sure you have adequate motorcycle insurance from 1st American Insurance Agency in Longmont, CO for protection against accidents. To learn more about coverage options and costs, contact an agent from 1st American Insurance Agency, Longmont, CO today. 

Do Independent Contractors Need Commercial Insurance?

With Commercial Insurance The Answer Will Never Be Black and White

It depends on what your business is. This is why a professional insurance agent who is well-versed in commercial insurance is necessary to discuss what your particular liabilities are and how best you can be protected.

The State of Colorado Recognizes These Types of Insurances For Your Business:

  • Workers Compensation Insurance – is required in Colorado if you have one or more hired employees
  • Professional Liability Insurance – is required for only those professions where someone can be hurt by negligence or improper actions of the staff of the company. This insurance also covers measures to protect the reputation of the company and its officers. In Colorado, it is recommended for some professions and required for others.
  • Business Liability Insurance – is required by most businesses if any liability can be assumed by any person who could be harmed by any of the products’ performance. It also protects the business owner from being sued personally or services of the business. This is more of the generalized insurance product that is required by all of the businesses that operate in Colorado. 

Commercial insurance is what we do at 1st American Insurance Agency. Though it is not the only product we specialize in, we make certain to maintain high standards of service delivery for our commercial insurance and all of our clients. We know you are busy running your business, let us handle your insurance.

Serving the Longmont, CO and the surrounding areas we know the insurance regulatory laws of this state and are well-equipped to let you know what your business needs are regarding commercial insurance. Call, fax, email or come in to see us today to ascertain how we can help you protect your wealth and business revenue. 

What are the available add-ons for a homeowners policy?

In Longmont, CO, as well as the rest of the United States, a homeowners insurance policy is vital to cover emergency issues, such as theft or natural disasters. But what if you experience a sewage backup, as many unfortunately do? Most policies do not have this coverage, so owners end up paying thousands out of pocket to clean up the mess! The add-on for coverage of sewage backup is often only in the ballpark of $50 per year. 

It is essential that you speak to an agent at 1st American Insurance Agency, serving the needs of Longmont, CO, in order to discuss a plan that works for you. Basic homeowners insurance policies cover possessions (like art and jewelry), damage to the physical structure from certain disasters (fire, for example, but not floods), and the medical expenses and/or lawsuits against you caused by someone’s injury within your dwelling. Again, individual policies differ, so talking to an agent at 1st American Insurance Agency is vital.

If you own pieces that are very valuable, consider special coverage for them, whether individually or as a collection, which drops the deductible and adds additional coverage like theft from the premises or breakage. 

If you live in an area that is more prone to disasters such as earthquakes or floods, separate plans are necessary, as they are not covered by a standard policy. 

If you own recreational or watercraft vehicles and store them at your house, chances are they won’t be covered by your basic policy, either. A rider to cover the cost of these apparatuses must be purchased.

Additionally, if you have a home-based business, your homeowner’s policy will exclude it from coverage. If you are going to have a business, be sure to get an add-on just in case there is damage to electronic equipment, computers, etc.

Keeping Auto Insurance Costs Down in Longmont

The best way to keep your auto insurance costs down may have nothing to do with calling a variety of insurance company and comparing rates side-by-side. The more you know about how insurance cost rates are calculated, the more likely it is you will find ways to keep them down. Let 1st American Insurance Agency give you a few tips about what to do if you live in Longmont, CO, and want to tighten up your budget.

Brushing Up Your Skills 

No matter how many years you’ve been driving, there are always ways to get better. Becoming more mindful of what’s on the road all starts with practice. Whether you tend to get heated up under the collar when a driver cuts you off or you just find yourself bored on the road, there are ways to become a better defensive driver. The fewer speeding tickets you get, the fewer accidents you cause, and the fewer near-misses you see on the road all add up to better insurance rates. Breathing techniques, schedule changes, and even just learning more about what defensive driving looks like can really help. Sometimes all it takes is avoiding the times when traffic is at its worse to become safer on the road.

Finding Help 

If you live in Longmont, CO, then now is the time to call 1st American Insurance Agency to find out more about how you can plan for the next few years. Let our agents answer any questions you may have. We know just how much it matters to take a few deep breaths before you find yourself in a situation that could have been avoided. Give us a call now if you’re gathering information about rates, and let us work out the right policy for you!

What To Look For When Reading An Auto Insurance Policy

Your auto insurance policy is a legal contract and it is important to understand it before entering an agreement with your insurance provider. Familiarize yourself with the different components of your policy so you can easily find information in the future and know exactly how much coverage you are purchasing. Here are the main components you will find in your auto insurance policy.

Declaration Page

This section gives you an overview of the policy. You will find the names of the people covered by the policy, the duration of the coverage, a short description of the type and amount of coverage you are purchasing and how much your premiums will cost.

Insuring Agreement

This section provides you with details on the service offered by your insurance provider. This is where you will find information about the type and amount of coverage you are purchasing and about what you should do if you are in a collision. The insuring agreement should also include details about exclusions and deductibles.

Types And Amount Of Coverage

This is the section of the insuring agreement that tells you exactly what you are paying for and how much coverage you will receive. This section will typically include details about body injury liability, property damage liability and collision coverage. If you choose to purchase optional coverage, you will find information about comprehensive, uninsured motorist and medical payments coverage as well.

Conditions

The conditions of your auto insurance policy detail what your obligations are. Go over the conditions to find out about payment details, how to file a claim and how to cancel your policy.

Don’t purchase a policy before reading it! The insurance agents at 1st American Insurance Agency serving Longmont, CO will always take the time to go over your policy with you to make sure it is a good match for your needs. You should reach out to 1st American Insurance Agency if you are in the Longmont. CO area and need help with finding the right auto insurance policy.

Will a Smart Home System Reduce Home Insurance Costs?

At 1st American Insurance Agency, we provide each of our clients with the comprehensive home insurance right for their needs. One of the key factors in determining the cost of your insurance is accessing the amount of risk your home presents to the company. If you can take steps to minimize those risks, you may be able to save money on home insurance. For some people, smart home systems can help.

What Can a Smart Home System Do for You?

A wide range of smart home systems exist today. Each offers a few different features – and not all will offer the same benefits. However, some features can enhance the security and safety of your home. For example, if the system features a security camera outside of the home’s doors, this video can help to minimize the risk of theft. Like the addition of any home security system, this could help to reduce your premium.

In addition, some smart home systems feature sensors that monitor for high levels of carbon monoxide or smoke. Some also monitor temperature and can detect when a fire is present. These automatically alert the family and may even alert the local safety forces of your need. In doing so, they help to avoid the risk to your home from fire damage. In this way, they may also help to reduce your costs.

Should You Invest in One?

If you are thinking about investing in a smart home security system, call your experienced agents at 1st American Insurance Agency first. Let our team help you determine if this can be beneficial to your specific needs and costs. We serve residents in and around Longmont, CO and can help you to get the lowest possible premium for your home insurance needs.

When You Should Exclude People From Your Auto Insurance Policy

Unless otherwise stated, any licensed driver you allow to drive your car is covered by your auto insurance policy if they are involved in a car accident. However, if you live with someone or closely associate with someone who has a poor driving record and the auto insurance company knows, they may raise your rates to compensate for the possibility of this driver getting behind the wheel of your car. Excluding the driver from your policy, or stating that they will not drive your car, can help keep your premiums low. Here are a few reasons why you may want to exclude a driver your auto insurance policy.

They Have Been Convicted of Drunk Driving

If your spouse, child or roommate has been convicted of drunk driving, the insurance company may be alerted to the fact that someone living with you has a conviction. Based on this, they can ask you to exclude the driver from your policy. If you fail to do so, they may raise your auto insurance rates because there is a possibility the driver will get behind the wheel of your car while drunk. As such, excluding the driver may be best.

They Have Been Involved in Numerous Accidents

If someone you live with has been involved in numerous auto accidents, your auto insurance policy may want to raise your auto insurance rates. Excluding the driver can help to ensure this does not happen.

They Have Multiple Traffic Infractions

The last reason why you may want to exclude someone from your auto insurance policy is because the driver has multiple traffic infractions. Multiple infractions shows that they do not abide by traffic laws and may be at a higher risk for an accident. Excluding them from your policy shows the insurance company that bad driver won’t be behind the wheel of your car.

If you are looking to obtain a new auto insurance policy and have questions about whether you should exclude another driver or not, 1st American Insurance Agency can help. We serve the greater Longmont, CO area. If you have any questions about excluding drivers or obtaining price quotes, give us a call today to get answers.

Ways to Get Your Home Ready for Spring

There is no doubt about it: the cold weather is about to go away and spring is coming to Longmont, CO. You likely cannot wait to get out and enjoy the area in the new season but before you do any of that, you need to do a few things around your home to prepare. Use these tips from 1st American Insurance Agency to help get you started on your list. 

  • De-winterize your home. Many people in the area likely took the time to winterize their home before the winter began and if you were one of them, then you need to make sure you de-winterize it too. You can call a professional to get this taken care of for you. 
  • Get your A/C checked. You may not need it yet but you do not want to find out that your A/C does not work in the heat of the summer. Get it checked out now so you can avoid that problem later and get everything taken care of now. 
  • Clean up a bit. You can do a little bit of spring cleaning and it will go a long way. If you do not have the time for a huge project, do not fret. Do what you can and it will look better. Even doing some basic dusting can change how it looks and feels in your home. 

One other thing you need to make sure you have in place is a great home insurance policy. If you do not already have one then 1st American Insurance Agency, serving Longmont, CO, can get you a free quote. If you do have one, they can take a look at your current policy to make sure that you do not have any gaps in coverage. Be sure to contact them today.

Auto Insurance Coverage for Injuries: Do You Have Enough?

When it comes to insurance coverage, most people check to make sure they have enough coverage to pay off their car if it gets totaled. They may even think about how much coverage they would need if they collided with a high-end vehicle and the accident was their fault. You’ve likely thought of all these things, but have you thought about how much insurance you need to cover the medical bills of those who may get injured in the crash? 

Minimum coverage for Lafayette, CO

By law, you are required to carry a certain amount of insurance for injuries. In Colorado, you must have a policy that will pay out at least $25,000 per person and $50,000 per accident. Keep in mind that this is only the amount that you need to drive legal. Medical bills often cost much more than state minimums, especially if you’re in a serious accident and there are multiple injuries. 

Rising Costs for Medical Care

Thanks to innovative safety features on modern vehicles, the rate and severity of injuries have actually decreased. However medical costs keep rising astronomically. The average claim per injured person in a car accident is about $15,500. Keep in mind that this number represents the average of both minor and major accidents. Medical expenses in a serious accident could be as much as $500,000. Fatal accidents can be even more expensive. 

How Much Coverage Is Enough

At the very least, you must have enough bodily injury coverage to meet the state minimum requirements. However, you should know that you may end up paying tens-of-thousands of dollars out of pocket if you only opt for minimum coverage. For example, if you have a policy that covers $25,000 per person and $50,000 per accident and you get into an accident where two of your passengers are injured. The first passenger has medical bills amounting to $45,000 while the second person’s bill only amounts to $5,000. You will still be responsible for anything over $25,000 for the first person. You will pay $20,000 in this scenario. 

If you’re not sure how much coverage you need, talk to an agent at 1st American Insurance Agency today. They will be more than happy to discuss your needs and find a policy that works for you. 

What is covered by standard homeowners insurance?

Homeowners in Lafayette, CO know that the uncertainties of living in the Front Range of the Rockies provide unique challenges to maintaining their homes. Sudden and volatile changes in the weather can cause unexpected and disastrous damage to your home. 

Has your basement ever flooded? Did you know that most homeowners policies don’t cover the damage caused by a sump-pump that can’t handle runoff water from a lot of snow melt?

In fact, most homeowners and renters policies don’t cover flood damage at all. You’ll need a separate policy for flood damage if you’re in an area with a high risk of flooding. 

Have you had a lot of snow this winter? Standard homeowners policies don’t cover the cost of repairing collapsed roofs or shrubbery damaged from the weight of snow, or from freezing.

If your pipes or appliances freeze and burst, you may not have coverage either for the damage to your pipes or the damaged caused to the infrastructure of your house when your pipes burst.

Often homeowners policies don’t cover landslides, mudslides, and avalanches – these could be common in the Front Range.

If your sewer backs up and causes damage to you home, this is not usually covered by your homeowner’s insurance policy or your flood insurance policy. You’re also responsible for maintaining the sewer lateral—the pipeline between your house, and the city sewer system. This is usually located on your street and can cost a fortune to repair.

If you’re worried that you don’t have enough insurance coverage for your home, speak with an independent insurance agent at 1st American Insurance Agency. They can go through your policy with you, and create a policy to fit your unique needs to make sure that you have the protection that you need for your home.