Do I Need Comprehensive Auto Insurance? Here’s How to Tell

It’s a question we get from our clients on a daily basis: Do I need comprehensive auto insurance? To help you answer this question, we like to present you with a number of situations where this additional coverage proves useful.

Before we explore when this insurance comes in handy, let’s discuss some of the basics of comprehensive car insurance.

What is comprehensive auto insurance? 

Comprehensive auto insurance, or comprehensive coverage as it’s often called, is a form of financial protection against a number of unexpected events that could damage your vehicle. 

Like collision insurance or liability insurance, comprehensive coverage was created with specific forms of protection in mind.

When you think of comprehensive coverage, think of coverage for physical damages from things other than collisions. 

Here are some of the events and damages comprehensive auto insurance can cover:

  • Damage from falling objects
  • Theft
  • Vandalism
  • Storm damage
  • Damage from animals

When will comprehensive coverage come in handy?

If you’re still not sure if this coverage is right for you, ask yourself if you could afford the cost of repairing or replacing your vehicle on your own. 

Further, imagine if any of these situations happened to you or your vehicle, and how you would cover the damages:

  • Your car window is smashed by a vandal and the paint is scraped on the doors
  • During a camping trip, a bear gets into your vehicle and damages the interior
  • You return home from a vacation to discover your car has been stolen
  • A large icicle falls on the hood of your car, doing extensive damage

As you can imagine, all of these situations would be costly to cover alone. With the help of comprehensive insurance, you’ll have added financial protection from things other than collisions! 

Click here if you’re interested in learning more about comprehensive motorcycle insurance.

Learn more about comprehensive auto insurance in Longmont

Are you interested in finding out more about comprehensive auto insurance in Longmont and if it’s right for you? We’re here to help! Our team is standing by to help you with all of your insurance needs in Colorado. Email one of our friendly agents today to get started.

Three mistakes to avoid when you purchase recreational vehicle insurance in Colorado

It’s important for you to invest in RV insurance if you are a Longmont, CO resident with a recreational vehicle. At 1st American Insurance Agency, we can help you find the right recreational vehicle insurance policy in Colorado.

The following are three mistakes to avoid when you purchase recreational vehicle insurance in Colorado. 

Buying recreational vehicle insurance in a hurry

Your recreational vehicle is a valuable possession. As such, you need to protect it with the right insurance policy.

Purchasing a recreational vehicle insurance policy requires careful research and consideration. Don’t rush yourself when you’re deciding between various policy options. Make sure you take the time to research different policies available to you. Then, evaluate your options carefully. 

Buying a policy in a hurry makes it more likely that you will overlook important details. This could come back to hurt you down the road if you have to file a claim. 

Not knowing what type of recreational vehicle you own

There are many different types of recreational vehicles out there. When you’re shopping around for policies, it’s important that you’re aware of what type of recreational vehicle you own. Different recreational vehicle types cost different amounts to ensure.

Among the various recreational vehicle types out there are trailers, campers, and sport utility RVs. In terms of motorhomes, there are Class A, Class B, and Class C motorhomes. It’s important that you properly identify your motorhome type when you’re looking for recreational insurance policy quotes. 

Being unaware of state requirements

Recreational insurance policies need to meet some general liability requirements. You need to carry $50,000 in bodily accident coverage and $15,000 in property damage coverage per accident in addition to meeting several more state requirements. 

Are you currently on the market for recreational vehicle insurance in Longmont, CO? At 1st American Insurance Agency, we’re here to help. Get in touch with us to start exploring your recreational vehicle insurance options. 

3 Reasons To Add Umbrella Insurance To Your Company Policy Today.

Longmont, CO is a lovely community with scenic vistas amazing summers, and a reputation for welcoming small businesses. If you own your own business in Colorada then be sure that you have the coverage you need for optimal protection and peace of mind. At 1st American Insurance Agency, we are happy to answer any questions you have about umbrella insurance.

3 Reasons to Add Umbrella Insurance to Your Company Policy:

  1. Not all businesses fit into a typical commercial policy. You know your business inside and out. You know if you rely on a particular asset that goes beyond the typical coverage limits. Maybe it is an industrial oven with upgrades for your specific product that is practically irreplaceable or something else that is hard to fit in a regular policy. An umbrella policy helps protect your company’s unique assets beyond what a commercial policy may. 
  2. There is much at risk if you do not have proper protection. When you run your own business you have a responsibility to your employees as well as yourself and if something is lost that could have been covered by an umbrella policy you have put more than yourself in a dire situation. An umbrella policy simply covers more. 
  3. It is an affordable piece of mind. In most cases an umbrella policy is an affordable addition to your current business insurance coverage, it is easy to purchase and easy to keep up. For little effort, you get a significant amount of stress reduction and protection. 

Contact us 1st American Insurance Agency if you are ready to update or increase your insurance with an umbrella policy, or if you are looking to purchase your first commercial insurance policy. We serve the community of  Longmont, CO, and the surrounding area with quality insurance services and we look forward to hearing from you. 

Who needs home insurance in Longmont?

If you are in the Longmont, CO area, there are many forms of insurance coverage that you may need to have. One form of insurance that many people here need to have is home insurance, which can provide you with protection for your dwelling and give liability protection. There are several scenarios when having coverage is a necessity. 

Anyone with a Mortgage

Due to the amount of money that it can take to purchase a home, the majority of home buyers will end up taking out a mortgage when it comes time to close. If you do take out a mortgage, there are certain rules and requirements that you will need to abide by. One important rule to follow is regarding insurance. Your lender will have specific insurance requirements that will need to be met at all times. 

Those in a Home Association

If you have purchased a home that is part of a larger association, you are also going to need to understand the rules that are in place. Any home association will have a rule book that you need to follow. One section of this will display the insurance requirements that all members need to have. Most of the time, it will also be a requirement that you provide recurring evidence of this insurance.

As you are looking for home insurance in the Longmont, CO area, it is very important that you carefully consider your personal needs. There are many situations when having this form of insurance is going to be a necessity. If you are looking for insurance here, you should call the 1st American Insurance Agency. The team at the 1st American Insurance Agency can help you by answering any questions and helping you to build and get into a quality policy. 

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.