What to Do if Your House is Robbed

There’s no question that having your home robbed can be an extremely scary and stressful situation. Due to the shock, you may not know what to do when this happens. The good news is, you don’t have to worry about making the wrong move. The tips here will help ensure you know what to do after your house is robbed.

If you need more information to help with a situation that occurred in Longmont, CO contacts the team at 1st American Insurance Agency.

Contact the Police

The first thing you should do when you discover that your home has been robbed is to contact the police. The fact is, if you touch things or even go into the home, you may unknowingly destroy some of the evidence needed to catch the person who broke into your house. Stay outside, contact the police and wait for them to arrive before doing anything.

Make a List of Everything That’s Missing

Once the police have come and gathered the information and evidence necessary, it is time for you to go around your home and make a list of everything that is missing. This is imperative and something you will need to give to the insurance company if you want to receive a payment for what was lost.

Contact Your Insurance Company to File a Claim

The next step is to contact your insurance company and file a claim for everything that you discover is missing. In most cases, as long as your premiums are paid, you will have no question getting the compensation for the items that are missing.

If you don’t currently have any insurance in place, or have questions about your coverage, then you need to contact 1st American Insurance Agency, which serves Longmont, CO, and surrounding areas.

Expanding Recreational Insurance To All Your Need

If you own recreational vehicles in Longmont, CO, it is important to make sure that your policy covers all of your needs. It’s very easy to miss out on insuring a specific vehicle or to miss a loophole that is easy to fill. Therefore, take our advice from 1st American Insurance Agency and expand your policy properly.

Vehicles Covered By Recreational Insurance

If you have multiple recreational vehicles, you need to expand your service to ensure that you get everything covered. Just a few types of vehicles that are covered include:

  • Boats – Vehicles of 50 feet or less in length
  • Personal Water Craft – Jet Skis and other types of personal water vehicles
  • Off-Road Craft – Craft such as golf carts, ATVs, snowmobiles, dirt bikes, and dune buggies
  • Motor Homes – Temporary living vehicles, such as RVs and other motorhomes
  • Travel Trailers – Trailers that haul your belongings or other items while on a trip
  • Fifth Wheels – Large campers that require a specialized attachment to haul

Each of these vehicles have slightly different coverage needs that must be taken into account by owners. For example, fifth wheels require coverage for the connection item as well as the motorhome living area.

Other Types Of Coverage Needs

There are other types of insurance coverage that are necessary for your recreational vehicle protection. These include:

  • Temporary Living Insurance – Good for those who plan on living in their home for a short period
  • Travel Insurance – For when you travel out of your general area with your recreational vehicle
  • Liability Coverage – Necessary for when you cause an accident and get in a lawsuit

Is Your Recreational Insurance Up To Speed?

If your Longmont, CO recreational insurance doesn’t feel quite up to this level, contact us at 1st American Insurance Agency today. We can help you to find a policy that works for your recreational needs and ensure that you are fully insured.

Understanding Financing a Car and Auto Insurance Requirements

If you are wanting to purchase a new or used car in Longmont, CO, it is important that you understand your car financing options as well as insurance requirements. Here is a quick overview of various financing options and a simple way to understand what type of insurance you need.

Understanding Your Credit Score

Before you decide to go to a dealership, you should take the time to check your credit report. You will need to do this because, unlike credit cards and mortgages, there are ways to purchase a vehicle even with bad credit; however, the higher your credit score, the more likely you are to get a good interest rate. There are free tools online you can use, such as Credit Karma, that are designed to give you a better understanding of what bracket your credit score falls into.

Get Financing Quotes

For those of you who have perfect credit, you will be able to visit a dealership and obtain the best financing rates. If you do not have the best credit, though, there is no need to fret because there are plenty of financing options. For starters, you can try out an online lender. To do this, you will need to complete your credit application online. The service provider will then use your credit score to match you with lenders who are willing to lend you money. An excellent advantage of quotes is that you are not required to use the loan you are being quoted on. Instead, you can compare quotes and choose one that works best for you and your financial situation.

Shorter Term is Better

If you get approved for a loan, it is best to go with a shorter payment plan because it will come with a lower interest rate. The downside to this is that your payments will be higher.

Contact Us Today

If you acquire an auto loan, the lender will likely mandate that you purchase an auto insurance policy with collision, comprehensive and liability coverage. If you don’t use a loan, however, a liability policy may be sufficient enough to meet the state’s minimum coverage requirements. Contact us today at 1st American Insurance Agency serving the Longmont, CO area to learn more about financing and auto insurance.

How Can Umbrella Insurance Prevent Financial Losses?

Common insurance policies such as auto and homeowners’ insurance can provide average protection. In some cases, however, you may need additional coverage to help prevent losses from events that exceed the limits of your coverage. Having umbrella insurance can give you the protection that other policies can’t offer.

What Is Umbrella Insurance?

Umbrella insurance is additional insurance protection that covers limits above and beyond standard insurance coverage. For example, if you have $1 million in coverage on your home, but you feel that there is a high chance that there may be an event that would exceed the limits of coverage you have then umbrella insurance would protect you. If you have an expensive vehicle and you feel that your standard coverage might not be enough to protect you from additional replacement costs or medical expenses, then umbrella insurance would be a smart option.

Do You Need Umbrella Protection?

If you are unsure whether or not umbrella coverage is right for your needs, you should consult an insurance professional. They can help you assess your needs and offer recommendations that can provide the coverage you need and the peace of mind that comes with it. 1st American Insurance Agency can assist the residents in and around the Longmont, CO area with their umbrella insurance needs.

If you feel that you don’t have enough insurance coverage, and live in or around the Longmont, CO area, then you should call or stop by 1st American Insurance Agency and speak to a knowledgeable insurance representative. They are there to answer any questions and help you determine what type of coverage is best for your situation.

What Does Recreational Insurance Cover?

Those who own campers, ATVs, and other off-road vehicles in Longmont, CO sometimes shy away from recreational insurance because of the confusion surrounding such plan. It can at times be a complicated matter since recreational vehicles can be insured through either your homeowner’s or auto insurance policies. 1st American Insurance Agency can help you work through the red tape and find the right plan to assure your off-road sports vehicle or RV.

What does recreational insurance cover when attached to a homeowner’s insurance policy?

Generally, you can only assure your recreational vehicle along with your home if the automobile is not used on public highways. A camper that you often take on road trips across the country would likely not qualify for coverage. The positive thing about having an indemnity plan for your RV included with your homeowner’s policy is the level of coverage you receive. Everything from medical bill payments to general liability for at-fault instances is taken care of under such plan. Recreational insurance claims work much like a traditional home insurance plea. You need to file with the assurance agency and pay the required deposit for financial coverage to initiate.

What does recreational insurance cover when attached to an auto insurance policy?

Perhaps the most familiar way to assure your recreational automobile in Longmont, CO is through a traditional vehicle insurance plan. As with coverage for your everyday car or truck, a recreational indemnity plan pays for physical damage to your off-road vehicle if it is involved in an accident or stolen. You will need to obtain full coverage to reap the benefits of coverage for things such as vandalism theft, and damage caused by falling objects such as tree branches. In the unfortunate event of an accident, a recreational insurance plan attached to your standard auto insurance policy may cover:

  • Bodily Injury
  • Property Damage
  • Umbrella Insurance
  • Medical Payments
  • Personal Injury Protection

You should not bypass recreational insurance because you do not understand all of the details. Let one of the agents at 1st American Insurance Agency help you get to the bottom of things with an explanation of options and a quote!

Planning Now for Summertime Adventures

As springtime blooms appear along the Front Range, families in Longmont, CO and the greater Denver metropolitan area have started to plan vacation adventures. Some RV owners may choose weekend getaways to nearby destinations such as Rocky Mountain National Park, while others have more distant destinations in mind, such as locations in Montana, Utah, and Wyoming.

Wherever you decide to go, the agents at 1st American Insurance Agency encourage you to make sure that your present coverage levels meet your needs and that your checklist includes a few important tasks:

Inside Your RV

  • Inspect all of the safety equipment, including your road hazard kit and first aid kit, and make sure you have extra provisions of water and other necessities if you plan to travel to a remote area.
  • Refresh the interior, check for mold or mildew, and inspect batteries, lights, and other amenities within the cabin and living areas.

Outside Your RV

  • Check your tires for low pressure or any visible damage.
  • Inspect doors, windows, and other areas for cracks or damage.
  • Examine propane and other systems for possible leaks.
  • Make sure that you have spare keys available for your journey.

Under the Hood and Other Storage Areas

  • Examine wires, cables, batteries, and fluid levels with a plan to schedule service visits before your vacation is scheduled to begin.
  • If you have not started the RV in more than a month, be sure to inspect areas around the engine to make sure that rodents or animals did not build any nests under the hood.
  • Inspect filters and make sure that the water system has been flushed and cleaned out.

1st American Insurance Agency proudly serves those who live in and around Longmont, CO. We encourage you to contact our offices for more information about our recreational insurance policies.

Motorcycle Insurance: Required? No. Necessary? Absolutely.

The required levels of motorcycle insurance in the state of Colorado are rudimentary at best. And while there may not be a legal requirement to carry more than the low level of coverage that is required, it is a good an smart idea. The team at 1st American Insurance Agency is well-versed in both the requirements for motorcycle insurance and the recommended levels that are necessary for adequate protection. 

We advise our clients in the greater Longmont, CO area to consider all legal minimum insurance requirements as a guideline, rather than the final word on the appropriate level of insurance in every case. Comprehensive motorcycle insurance coverage can help to minimize the financial impact of liability and damages caused by an accident that causes loss of or damage to vehicles as well as physical injuries that require medical attention. We can also help with uninsured rider coverage.

Legal requirements for insurance can provide adequate protection in some instances but not all. If you are considering the purchase of a motorcycle, let us review all of your insurance options with you prior to your purchase. We are also here to help riders who have insurance coverage but would like a comprehensive review of their current policy. Insurance is a useful tool to keep your assets and financial bottom line protected in the event that you are involved in an accident.

If you are thinking about getting a motorcycle and would like to learn more about the insurance policies that are available, or if you would like the team at 1st American Insurance Agency to review your current policy, please give us a call or stop by! We are here to provide the necessary insurance coverage for our friends and neighbors in the greater Longmont, CO area. 

What Commercial Insurance Options Are Best for My Business?

Commercial insurance is an essential element of your business. It provides your Longmont, CO business with a means to address those risks that are always present and threaten to cause financial harm. 1st American Insurance Agency understands the importance of providing you with the options necessary to properly insure your business and protect your most important assets.

Your business property needs to be protected, including your physical location, inventory, any vehicles used by the business, or any potential liability you may incur should one of your employees become ill, or a customer slips and falls on your premises. The State of Colorado provides useful information for small businesses on the type of commercial insurance you should consider for your Longmont, CO business. Agents working with 1st American Insurance Agency can sit down with you and help you assess which important commercial insurance coverages are needed.

There are many different types of commercial insurance appropriate for your business. The most important coverages that you should consider depends on the type of business you operate and the relative risks to your business. For example, if you are engaged in a profession like accounting or medicine, malpractice insurance is something you must strongly consider to protect against the risk of being sued. Workers’ compensation is another type of commercial insurance you would carry as a business for employee injury or illness that occur on the job.

Agents located in Longmont, CO working with 1st American Insurance Agency can provide you with the commercial insurance options for your business. Allow 1st American Insurance Agency to provide a review of the coverages you have in place for your business and make recommendations to upgrade, replace, or purchase new commercial insurance. A review allows you to protect your customers, your employees, and most important you.

What Coverage Should Your Longmont, CO Home Insurance Policy Provide?

1st American Insurance Agency is proud to serve the people of the greater Longmont, CO area and help them to meet their auto and home insurance needs. When it comes to protecting your family’s house and belongings it is important that your policy is comprehensive and does not leave any gaps that can cause you to have to pay for damages yourself. Below are some of the main coverage areas that should be included with your policy. Our agents are here to help you get the protection that you need!

  • Theft – do not let a burglary cause you unnecessary expense on top of the high amount of stress that a break-in can cause. Many policies will also provide coverage for some items that are stolen outside of your house, such as bicycles and other movable items.
  • Water damage can include interior damage caused by a leaky roof or an event that is due to a plumbing mishap. Be careful that your policy provides comprehensive coverage for secondary damage that may not be included in a base-level policy.
  • Weather-Related Damage such as wind and lightning that uproots trees that cause damage your house or other property. This can also provide reimbursement for costs associated with clean-up from weather events. Be sure that hail damage is also included in your coverage!

1st American Insurance Agency is proud to serve our friends and neighbors in the greater Longmont, CO area. If you are in need of a comprehensive home policy or would like some help reviewing your current auto or home policy, we are happy to help! Please give us a call or stop by our office today to learn more about the different protection options that are available with your house insurance policy.

The 3 Things You Need to Do in a Fender Bender

Did you just get your driver’s license? Congratulations. As a newly minted driver in Longmont, CO there are a few things you need to know and do, like making sure you have the required auto insurance from your friends at 1st American Insurance Agency.  You also need to be able to take care of yourself when you get into a fender bender.

Stop, Review the Situation, and Call for Help

First, after the impact, pull over and stop.  Make sure you are out of the path of traffic if at all possible. Even if you just nudged the other guy and there isn’t even a scratch, make sure that you and the other party aren’t injured. If you see any kind of damage to the vehicles, call the police.

Use Your Camera

The old standard was to exchange information by writing down the other driver’s name, license number, insurance, etc.  Now your smartphone is your friend. Use your camera to snap a pic of the other driver, their driver’s license, the license plate, their insurance card and then start on the scene. Record damage to all the vehicles or any property.  If possible, take a shot of the intersection, street signs, and traffic lights.

File the Report and Call Your Insurance Agent

Cooperate with the officer at the scene and make sure that a police report is filed.  If no officer responded, head straight to the police department and file one yourself. Once you are confident everybody is on their way home, give your agent at 1st American Insurance Agency a call and file a claim. If somebody reports an injury on the next day, it will be easier to process their claim against your insurance.

Remember, your Longmont, CO insurance agent is there to help you work your way through such an accident with as little inconvenience as possible.