Protect Your Assets with Umbrella Coverage

Residents in the Longmont, CO area need a variety of insurance policies to protect their personal and business property. However, these coverages aren’t always enough. 1st American Insurance Agency wants to ensure that all of our neighbors are financially ready to meet any challenges that come their way. Umbrella insurance provides the extra protection you might need in the case of a catastrophic loss. How does umbrella coverage supplement your other insurance policies?

  • What happens when you crash a brand new car? Your auto insurance may not pay off the remainder of your loan. Even if it does, how will you be able to afford a replacement vehicle? With an umbrella policy, you can get the funds you need to completely repair or replace your vehicle, no matter what the costs.
  • After a natural disaster causes extensive damage to your residential or commercial property, your property insurance kicks in to help with the rebuilding effort. However, all insurance policies come with a dollar limit. Once you reach that amount, you have to pay for any additional repairs out-of-pocket. For cash-strapped property owners with little savings, this could mean losing your home or business. With an active umbrella policy, you’ll always have enough money to rebuild.
  • Hardworking small business owners rely on insurance coverage to protect their livelihood from accidents and legal liabilities. What happens if your product or service is found responsible for hurting multiple people? All of those medical bills and damages could quickly eat up your commercial liability coverage. Add an umbrella policy to your package to ensure you’re ready for whatever comes your way.

Protect your business and personal property in the Longmont, CO area with umbrella policies from 1st American Insurance Agency. Contact our representatives to learn more about this comprehensive coverage.

Do You Need Recreational Insurance For Jet Skis?

If you own a jet ski, you may not realize that you could use insurance to protect yourself and others while you are out enjoying the open waters. Although a jet ski isn’t a boat, you still need to cover the vehicle in the event of an accident or even theft.

Recreational Vehicle Coverage

Recreational vehicle insurance is used for both land and watercraft and covers jet skis and wave runners. If you enjoy spending time out on the water with any type of recreational watercraft you should research how much coverage you need and work with an experienced agent to find the right amount and type of coverage to prevent losses. Don’t take chances out on the water. You never know when someone may be careless or even steal your craft. These recreational vehicles can be quite expensive, which is why coverage is so important.

Working With An Agent

If you seek the assistance of a skilled insurance agent who is familiar with recreational vehicle insurance, you will likely have the coverage necessary to prevent gaps in coverage. Carefully select your agent and make sure they are willing to work closely with you to explain the terms and conditions and offers custom solutions to fit your lifestyle and needs. If you are in the Longmont, CO area, check with 1st American Insurance Agency about insurance products to protect you before selecting your policy. 

Recreational vehicles need insurance protection too. Call or stop by 1st American Insurance Agency, serving the residents of Longmont, CO, for more details and to speak with a friendly agent who can answer your questions.