Does Auto Insurance Cover Vandalism in Longmont?

Vandalism to a car in Longmont, CO can be done for any number of reasons. In some cases, the damage is intentional while in others, it’s purely accidental. But no matter how it occurs, your car will still need to be fixed. 1st American Insurance Agency wants you to know more about whether this will be covered under your policy. 

Check Your Terms

Vandalism is generally covered under your auto insurance policy, as long as you have extended coverage for it. If you simply have liability for it, then the damage will not be covered.  Vandalism is a crime, which means that the law does require the offending party to pay for the damages.  However, because vandalism is often completed far from the eyes of witnesses or law enforcement officials in Longmont, CO, you may not ever be able to get the justice you’re looking for. 

What You Can Do 

There are a number of ways to protect your car from vandalism. The simple act of finding a garage to park it in it can go a long way toward keeping others away. This may mean paying extra for valet or taking the time to pull into the garage every night. Or you might consider getting a dashcam to ensure that you can at least see who the person is who vandalized your car or how it occurred. 

If you’re concerned over whether your policy covers this particular act, call 1st American Insurance Agency today to find out more about the conditions of your contract. We’re here to help you get a handle on what might happen, and how you can have the right safety net should it occur. You might need to change your policy to ensure that you get what you need, so start the conversation with us today. 

How to pick a commercial insurance policy in Longmont

Anyone that would like to own their own company should consider opening up in the Longmont, CO area. This area of the state offers a lot of advantages and opportunities to small business owners. When you are going to start a small business here, or anywhere else, you need to make sure that you get the right form of insurance in place. There are several tips that you can follow that could help you to pick a commercial insurance policy. 

Consider Requirements

One tip that can help you pick a commercial insurance policy is to consider your insurance requirements. Most business owners will have a variety of obligations that need to be followed. If you have taken out a loan, lease a property, or have business investors, you will likely need to comply with their commercial insurance requirements. You should review your various agreements to ensure you have the proper insurance requirements in place. 

Consider Assets that Need Coverage

You should also spend time considering the assets that your business has. Your insurance provider will likely include a level of commercial property coverage that will be included by your policy. However, depending on your business, the basic insurance requirements may not be enough for your organization. If you have valuable assets owned by your company, you should make sure they are covered by your commercial insurance policy limits. 

Picking a commercial insurance policy is always a very important decision that those in the Longmont, CO area will need to make. If you are looking for a new policy for your company, you should speak with the 1st American Insurance Agency. The insurance team at the 1st American Insurance Agency can help you to pick a policy that is right for your situation. 

What Does Motorcycle Insurance Cover?

You love the feeling of your knees in the breeze as you cruise down the highway on your beloved motorcycle but to really enjoy your ride and have peace of mind, you will want to make sure you have the proper motorcycle insurance coverage.

To protect the investment you have made in your motorcycle, moped, chopper, fast bike, or even your Segway, you will want to obtain a motorcycle insurance policy that features the types of coverage you need.

Most motorcycle insurance policies cover liability, including accidents you cause that results in the injuries to others or the damage of someone’s property. Many states, including Colorado, require that you at least have a liability motorcycle insurance policy in place.

Comprehensive Insurance

You can also obtain comprehensive coverage that will repair or replace your bike if it is stolen, vandalized, or damaged in a natural disaster, such as a tornado or hail storm. It will also cover your bike if it is damaged by a fire. If you have a loan for your motorcycle, you may be required to have comprehensive motorcycle insurance along with collision insurance.

Collision Insurance

This part of your motorcycle insurance policy will cover damage to property or injuries to others if you cause an accident. This includes incidents in which you collide with another vehicle or hit an object, such as a building or telephone pole.

To obtain a motorcycle insurance policy that fits best with you and your situation, you will want to enlist the help of an agent who is experienced in motorcycle insurance policies. Contact the motorcycle insurance agents at the 1st American Insurance Agency in Longmont, CO by calling for an appointment today to begin your coverage.

Does Umbrella Insurance Provide Property Coverage?

Every umbrella insurance policy in Longmont, CO is different, so we’re not going to be dealing in absolutes. But, generally speaking, your umbrella plan is not going to cover your own damages. That is, if your car is damaged in an accident, you would go to your auto insurance provider in order to get that covered. But, if someone else’s car is damaged in an accident, and you are found to be at fault, umbrella insurance could kick in and protect you from lawsuits if the damages exceeded the limits of your auto policy.

Whatever you might be told about insurance, you can always find an exception. You can find commercial insurance policies that cover commercial autos by default, you can find home insurance providers that will pay to pull a fallen tree off of your property even if it didn’t crush any insured property. This is because every policy is written specifically for the person buying it. But by and large, there’s not much point in trying to talk your umbrella insurance provider into selling you coverage for your car or home or other personal property. Umbrella insurance is about liability.

The fact is that it’s very easy to calculate precisely what your car or home or other property is worth. There is a cap on that number. A $250,000 home is not going to cost $2,000,000 to repair, so you can safely insure it for what it’s worth and leave it at that. Umbrella insurance comes in handy because liability costs really have no ceiling. The cost can be far higher than anything you were prepared to pay out of pocket. 

If you’re in Longmont, CO and considering buying umbrella insurance, get in touch with 1st American Insurance Agency. 1st American Insurance Agency can provide you with a plan that works for you.

How to Keep Your RV Safe During Summer Travels

The last thing you want to think about is a crime when you’re on an RV road trip. By taking some precautions, you can avoid situations that compromise the safety of your vehicle and family. The following tips from 1st American Insurance Agency can keep you and your vehicle safe during summer travels.

Keep RV Doors Locked

Lock the doors to your RV every time you leave, even for a short amount of time. Unlocked doors make your vehicle an easy target for theft, even if it’s parked in a relatively safe location. It only takes a few minutes for an experienced thief to slip inside your RV and walk off with cash or valuables. Locking your RV doors is a deterrent against intruders.

Park in Visible, Well-Lit Sites

Always park your RV in a visible, well-lit location, whether you’re in a campground in Longmont, CO or supermarket parking lot. At campgrounds, choose a place close to other campers as there’s greater safety in numbers.

Leave Costly Goods at Home

Items like your laptop, cell phone, tablet, and other electronic gadgets can be useful on the road as well as entertaining. High-end goods, however, that aren’t needed on the road should be left in your Longmont, CO home to reduce the risk of theft or loss. Wearing costly jewelry or carrying around pricey gadgets can attract the attention of thieves and make you a likely target.

Update Your RV Insurance

The right RV insurance protection will make for smoother, safer RV travels. By protecting your vehicle with collision, liability, comprehensive, and uninsured motorist coverage, you’ll be covered against theft, vandalism, accidents, breakdowns and other mishaps that can occur on the road.  

To purchase RV insurance for your summer road trip, call or visit 1st American Insurance Agency, serving residents in Longmont, CO.  

Do You Have Enough Home Liability Insurance?

Homeowner’s insurance offers different types of protection for your Longmont, CO home. Dwelling coverage protects your home structure. Contents coverage protects your belongings. Liability insurance protects you against accidents that may occur on your property. At 1st American Insurance Agency, we can help you purchase the type and scope of coverage you need.    

Importance of Liability Protection

If you host special events in your home or invite your relatives over for family gatherings, you’re more prone to having accidents on your property. As the owner of the house, you could be held responsible for paying a visitor’s medical costs. In the event of a serious accident, you could be sued for damages. Liability insurance covers the costs of accidental injuries and lawsuits, which could save you thousands of dollars out of pocket.

Liability insurance also covers the damage to a visitor’s property. If your kids ruin a friend’s laptop or damage his car while it’s parked in your driveway, liability coverage will help cover repair costs.

How Much Liability Insurance Do You Need?

When selecting liability coverage, consider the risks people face when visiting your Longmont, CO home, and the consequences of having insufficient coverage. If your home has a pool, there’s a risk of accidental death due to drowning. If you own a dog, there’s the risk of dog attacks.

There’s also the risk of slip and falls, kitchen accidents, accidents from sports play in the yard, and more. If you had to pay for damages on your own, you could suffer substantial financial loss. To protect your assets, it’s good to obtain as much liability coverage as you can afford.

To learn more about liability insurance or other types of home insurance coverage, contact 1st American Insurance Agency, serving residents in Longmont, CO.

Elective Auto Insurance Coverage

Every state requires drivers to carry a certain amount of liability insurance, with the minimum requirements of coverage being decided by the state. It can be tempting to drop full coverage insurance the moment an auto loan is paid off, but there are incidents that are beyond your control that can put you back to pedestrian status. 1st American Insurance Agency professionals serving the Longmont, CO area can help you decide what risks you may wish to have covered.

Towing and Labor

Even if you can change a tire, there are several things that can halt your drive. As auto technology continues to gain more components, the more things can fail while on the road. Tow trucks can be expensive, often starting at $75 plus $1-2 per mile. One use can more than compensate for the addition of this policy.

Medical Payments

Liability insurance covers any medical expenses of the other vehicle’s passengers, but not the passengers of your car. Medical payment coverage can get you a treatment that requires upfront payment helping avoid unnecessary emergency room visits.

Uninsured/Underinsured Motorist Coverage

Should someone hit you who is uninsured, you will only see financial compensation if they have the means to pay and do not refuse to do so. Even a court order can’t get money from someone who is indigent. This means that you could be in the position to have to pay, upfront, for repairing or replacing your vehicle. Un-/Underinsured protects you from this situation.

State minimum coverage is meant to protect others from accidents caused by you, but there is nothing outside of that to protect you. Contact the professionals at 1st American Insurance Agency, serving the Longmont, CO area, to see if adding one or more of these to your minimum policy will keep you better protected from the things that cautious driving can’t always

Different Umbrella Coverage Options for Longmont, CO Residents

As a resident of Longmont, CO., there are a variety of insurance coverage options available, such as umbrella insurance. Here are the facts about umbrella insurance you need to know.

Who Should Have Umbrella Insurance?

If you’re like most Longmont, CO residents, you want to know if umbrella insurance is a necessity. Yes, an umbrella policy is a necessity, although it is not required by law. Everyone can benefit from umbrella insurance because it helps prevent individuals from paying out-of-pocket for mishaps and accidents.

When Can Umbrella Insurance Coverage Help?

Umbrella insurance can help with coverage for your:

  • Personal property
  • Business losses
  • Criminal or intentional actions
  • Contracts

Personal Umbrella Insurance Policy

A personal umbrella insurance policy helps when you damage someone’s property, and the limits exceed your policy’s limits. If you are the cause of someone being seriously injured, you will be legally held responsible for the damages, which will more than likely exceed your standard insurance policy coverage. Umbrella insurance picks up coverage where your standard policy lacks.

Umbrella Insurance vs. Excess Liability Insurance

Umbrella coverage is sometimes referred to as excess liability insurance, but they are two different types of policies. Excess liability insurance offers coverage options that carry the same exclusions as your standard insurance policy and provides coverage for the same risks.

Having a personal umbrella insurance policy provides more coverage for the same instances your current insurance policy includes. Personal umbrella insurance policies can protect you from other risks, including slander or a judgment against you, and an excess liability policy does not.

At 1st American Insurance Agency, we recognize your need for reliable insurance from a company you can trust. Our objective here at 1st American Insurance Agency is to provide Longmont, CO residents with the coverage you need, whether you require one policy or multiple policies. Contact us to learn more about the insurance policies we offer and how we can help meet your needs.

Do I need to carry recreational vehicle insurance in Colorado?

What could be better than owning a recreational vehicle in Colorado?  The mountains are a big attraction and getting away to enjoy nature is appealing. Owning a recreational vehicle is a major investment and like all major investments, it needs to be protected by insurance. All vehicles in Colorado need to carry liability insurance to protect others from an accident where you might be at fault. Before you purchase your recreational vehicle insurance it is a good idea to talk to a knowledgeable insurance agent like those at 1st American Insurance Agency in Longmont, CO. 

When it comes to your recreational vehicle insurance determining what type of insurance will be the best depends on exactly what type of vehicle you purchase. In some cases, you may be able to insurance an RV on your regular auto insurance policy but in other cases, the coverage might end up being woefully inadequate. 

First, you need to determine if you have a motorhome or a travel trailer. While people often use the words as if they are the same thing, in insurance terms they are not. A motor home is a vehicle that is self-contained, has a bathroom and a water supply. Every insurance company defines it a little differently but if you have a travel trailer, it needs to be towed by a vehicle. 

RV insurance offers the same basic options for coverage that an auto policy has. It has liability coverage to protect you from damage to others, as well as collision and comprehensive to protect your vehicle. You need to make sure that your coverage is commensurate with the value of your RV. 

When it comes to insuring your recreational vehicle taking to an insurance agent who has experience with RVs is important. At 1st American Insurance Agency in Longmont, CO they have the experience you are looking for. Gave them a call or stop by their office for a no-obligation quote. 

How Can a Commercial Insurance Policy Protect a Business in Longmont?

Longmont, CO continues to be a great place for anyone to own a business. If you are looking to start a company in this area of the state, you can take advantage of the strong economy and population base. Prior to starting any type of company, it is important to spend time considering your insurance needs. A commercial insurance policy will help to protect your company in many different ways.

Gives Protection for Liability Risk

One very important advantage that comes with a commercial insurance policy is that it can provide you with protection for liability risk. If you happen to cause harm to a customer, or an employee is injured, you could be facing a liability claim. Fortunately, through commercial insurance, you will receive both liability and worker’s compensation insurance coverage, which provides protection and support for these situations. 

Covers Assets

Any business owner that wants to get off the ground will need to invest in some business assets. If you are a victim of theft, fire, or other forms of damage, the impact could be significant. Fortunately, when you do receive a commercial insurance policy, you are going to receive the coverage that you need to replace or repair these assets. 

Anyone that owns a business in the Longmont, CO area needs to get a quality commercial insurance policy. If you are looking for a new insurance policy in this area, you should reach out to the team at 1st American Insurance Agency. There are a lot of complexities and challenges that come with picking a commercial insurance policy. When you work with 1st American Insurance Agency, you can be assured you will have someone by your side that can help you to make an informed decision.