Save Essential Life Assets With Umbrella Insurance

At 1st American Insurance Agency serving Longmont, CO we have the experience to make sure clients at all walks of life are properly insured. We offer a wide array of insurances and are committed to making our clients lives more sound and peaceful. You may not be aware of risks that are leaving your underinsured and at the mercy of circumstance.

Your children’s college eduction, your savings, your automobiles, and your home may be at risk. Like many others, you may be one unfortunate event away from a much bigger headache and much bigger consequences than you expect.

Success comes with hidden responsibilities. Taking extra-precaution to protect assets is one of them. If you are not an ‘average’ person with an ‘average’ income than ‘average’ insurance is not enough. Typical homeowner, auto, and other policies only protect up to a certain amount. Beyond that amount, it’s all on you. If a workman is injured on your property and his claim exceeds the amount of your coverage, than you’ve got a choice to pay out of pocket or hire a lawyer to challenge the claim.

That’s why if you’ve gone past the ‘average’ thresholds of life then it’s in your best interest to invest in umbrella insurance.

What is umbrella insurance? It’s added coverage that kicks in when your primary policies, home or car for example, have been exhausted. Success probably wasn’t handed to you, and you have to work with extra diligence and focus to maintain it. Don’t let a distraction like a massive insurance claim add to your burdens. Contact 1st American Insurance Agency serving Longmont, CO and make an appointment to discuss the best umbrella insurance options for your circumstance.

What Type of Coverage Does Recreational Insurance Include?

Recreational insurance is a necessity for Longmont, CO RV users. RV insurance covers things on both ends of the home and auto spectrum. The 1st American Insurance Agency offers recreational insurance for all who require it. Here is what you need to know about RV coverage.

What Do You Plan to Do With Your RV?

Do you use your RV seasonally or for transportation like a traditional vehicle? Do you camp from your RV or park it in places with other RVs?

All of these things can factor into your insurance considerations. Knowing how you will use your RV will put you in a good position to choosing the right insurance options for your needs.

What RV Insurance is a Requirement?

Your RV will require traditional auto insurance, but you will also need special insurance coverage as well. In Longmont, CO, you need RV liability coverage.

You will need the state required liability coverage for an automobile. From there, the type of RV coverage will depend on:

  • The class of your RV
  • Whether you own or are financing the RV

Various types of recreational vehicles exist. For example, the classic motor-home or Class A RV can range from nondescript to luxury. However, you may have a Class B RV, sometimes called a campervan. Class C RVs are those that are hauled behind a truck or utility vehicle.

Outside of the required insurance, you will want to consider optional coverage depending on your specific needs. For example, traditional insurance options such as collision and comprehensive are still important. Things like roadside assistance become even more important for RVs.

In addition, if you live out of your RV even for short periods, you will want to protect your personal belongings from damage and theft. RV insurance isn’t the same for everybody. You need a package to address your individual needs and unique situation.

Whether you’re seeing the sights or living on the road, contact the 1st American Insurance Agency for all your recreational insurance needs.