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All-Star Insurance Brokers Inc

2821 S Parker Rd Suite 455
Aurora, CO 80014

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What Does Renter’s Insurance Cover?

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At All-Star Insurance Brokers Inc in Aurora, CO, our agents understand the importance of renters insurance, but the question is, do you? While renters’ insurance is not required under Colorado’s laws, it may be required by your landlord or property management company, but even if it is not, having a policy in place is a great idea.

Renters’ Insurance Coverage

If the house, apartment, or other types of residence you rent happens to catch on fire, is vandalized, or is destroyed or damaged by a natural disaster, the structure itself will be covered under your landlord’s insurance. Still, it will not cover your personal property. This includes your clothing, appliances that you purchased, furniture, and other items that belong to you. In other words, you can lose everything you own and have to start over from scratch. A renters insurance policy will help you replace all of those items, so you do not have to shoulder the entire cost. Renters’ insurance will also cover any of your belongings that are stolen if your home is burglarized.

Get Your Policy Started

Renters’ insurance policies are very inexpensive, but the coverage you receive, not to mention the peace of mind, is important to your future and sanity. If a disaster occurs, you want to be prepared so that you can continue to move forward in your life.

To create the best insurance policy for you and your situation, you will want to enlist an experienced renters’ insurance agent’s assistance. At All-Star Insurance Brokers Inc in Aurora, CO, our agents are prepared to provide you with a quote and get your policy started today! Please call for an appointment.

How to Avoid Accidents in Your RV

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If you’ve recently purchased an RV in Aurora, CO, you might be a little intimidated by its sheer size. If you’re looking to avoid accidents, it will take a lot of practice on your part. The good news is that it’s certainly not impossible. Here are a few tips to keep you safe from All-Star Insurance Brokers Inc. 

Know the Difference 

An RV is really nothing like a standard automobile. The best place to try it out is in an empty parking lot, where you can make numerous mistakes when it comes to reversing, parking, and even from now on. Ensure that your mirrors are perfect, and don’t be afraid to adjust them numerous times before finding the perfect balance. 

Watch the Weather 

If you’re in Aurora, CO, you know how tricky the forecast can be. And of course, if you’re headed across the country, the weather can change drastically from one mile to the next. If there’s some tough weather in front of you, it’s time to pull over and wait it out. From fog to thunder to hail, it’s just not worth the risk. 

Stay Fresh 

When you’re going on a road trip, the temptation is to get a few extra miles in. But driving when you’re tired is often no better than driving when you’re under the influence. It would help if you were alert and clear-headed to avoid a collision. 

All-Star Insurance Brokers Inc. knows what it means to be safe in your vehicle, which is why we offer several RV insurance policies to ensure you have all the protection you need. If you’re interested in learning more about how the right RV insurance for you, give us a call today to see how we can help. 

3 Reasons You Need Motorcycle Insurance

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If you ride a motorcycle in Colorado, you should have motorcycle insurance to protect yourself against accidents on the road. Motorcycle accidents can happen at any time, even to safe riders. Your motorcycle is also prone to theft, vandalism, weather damage, and damage caused by uninsured drivers. Motorcycle insurance from All-Star Insurance Brokers Inc. can protect you from these incidents and more. Here’s why you should have quality motorcycle coverage.

Accidents Happen

Accidents happen – that’s a fact. Without insurance protection, you face the financial consequences of these accidents on your own. As motorcycles are smaller than vehicles, they’re harder to see on Aurora, CO roadways. This puts riders at greater risk of accidents. The right insurance coverage will protect you against injuries and property damage in an accident to save you thousands of dollars out of pocket.

It’s the Law!

Motorcycle liability insurance is required in Colorado by law. Liability insurance pays for the injuries and property damage of others in accidents you cause. If you cause an accident involving several drivers, you could be held responsible for their injuries and vehicle repair costs. Liability insurance covers these expenses and protects you from a lawsuit if you are sued for damages. Colorado requires that all drivers, including motorcycle riders, carry minimum liability coverage.

Covers Theft of Your Bike

Motorcycle theft is not uncommon, both in the city and when hitting the road to far-flung places. If your bike is stolen during your travels, comprehensive insurance will help compensate you for your loss. If your bike is damaged by bad weather during your trip, comprehensive will help cover repair costs. The more expensive your bike, the more importance you should place on insurance coverage.

To learn more about motorcycle coverage and costs, contact All-Star Insurance Brokers Inc, serving residents in Aurora, CO.

Three common misconceptions about boat insurance

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If you are a boat owner in Aurora, CO, it’s vital that you select an appropriate boat insurance policy for your needs. At All-Star Insurance Brokers Inc., we provide boat insurance coverage.

When you make decisions regarding boat insurance, it’s important that your decisions aren’t swayed by any misconceptions about this type of insurance. The following are three common misconceptions to be aware of when it comes to boat insurance.

Boat insurance will cover me regardless of how far from home I am.

One of the most important things to know about boat insurance is that boat insurance policies usually involve geographic limits. This means that your boat insurance won’t be in effect if you’re far from home.

It’s important to be aware of these limits when you’re boating, so you understand the risks of traveling far away by boat.

A homeowner’s insurance policy will cover my boat.

Some homeowner’s insurance policies may offer limited coverage for a boat. However, homeowners’ insurance will usually only cover a boat while it’s on your property. When your boat is off your property, you will need a separate boat insurance policy to enjoy the coverage. 

Boat insurance isn’t necessary.

Some boat owners believe that boat insurance isn’t necessary because it is not required by law in most states.

Even though states may not require boat insurance, it’s still essential to have. Without boat insurance, you face financial risks from liabilities. Without boat insurance, you also risk losing your boat in an accident and not receiving any compensation to replace it. 

Get started finding the right boat insurance policy in Aurora, CO today. We can help at All-Star Insurance Brokers Inc. Contact us to learn about our insurance offerings or to get a quote on a policy. 

Why should I get an umbrella insurance policy in Aurora?

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Those that are in the Denver or Aurora, CO area will likely have many different personal insurance needs. One form of insurance that should be taken seriously is umbrella insurance. When you have this coverage, it will provide you with additional personal liability coverage on top of other policies. There are several reasons that someone here should get additional personal insurance protection. 

You Want More Liability Coverage

One reason that you should get an umbrella insurance policy in this area is that you will want to have more liability coverage. A home or auto insurance policy will usually come with a certain level of liability coverage. While this is often more than enough to meet a claim, there are situations when damages could be excessive and more protection is needed. With an umbrella policy, you are going to receive this added protection. 

You Want Coverage for More Situations

You will also want to get an umbrella policy if you want to get coverage for more situations. A home and auto insurance policy can offer you adequate coverage for situations that fall under those policies. However, there are a lot of people that take on additional risks regularly that could fall outside of those policies. If this is the case for you, having more conclusive coverage under an umbrella policy is a good idea.

As you are looking for a new umbrella insurance policy in the Denver or Aurora, CO area, you should reach out to the team All-Star Insurance Brokers Inc. When you speak with the team at All-Star Insurance Brokers Inc., you can learn a lot more about your options. We can guide you with selecting a policy that provides you the right level of personal liability insurance coverage. 

Why should I get an umbrella insurance policy in Aurora?

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Those that are in the Denver or Aurora, CO area will likely have many different personal insurance needs. One form of insurance that should be taken seriously is umbrella insurance. When you have this coverage, it will provide you with additional personal liability coverage on top of other policies. There are several reasons that someone here should get additional personal insurance protection. 

You Want More Liability Coverage

One reason that you should get an umbrella insurance policy in this area is that you will want to have more liability coverage. A home or auto insurance policy will usually come with a certain level of liability coverage. While this is often more than enough to meet a claim, there are situations when damages could be excessive and more protection is needed. With an umbrella policy, you are going to receive this added protection. 

You Want Coverage for More Situations

You will also want to get an umbrella policy if you want to get coverage for more situations. A home and auto insurance policy can offer you adequate coverage for situations that fall under those policies. However, there are a lot of people that take on additional risks regularly that could fall outside of those policies. If this is the case for you, having more conclusive coverage under an umbrella policy is a good idea.

As you are looking for a new umbrella insurance policy in the Denver or Aurora, CO area, you should reach out to the team All-Star Insurance Brokers Inc. When you speak with the team at All-Star Insurance Brokers Inc., you can learn a lot more about your options. We can guide you with selecting a policy that provides you the right level of personal liability insurance coverage. 

Do I need a Colorado condo insurance policy?

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Those that are in the Aurora, CO area will have plenty of housing options to choose from. One option to consider is to get a condo. When you purchase a condo, you are also going to have a variety of insurance obligations. There are several reasons why someone here will need to get a full condo insurance policy. 

Required by Association

One reason that you will need to get a condo insurance policy is if the condo association requires it. A condo association will have a variety of rules that are intended to protect all property owners in the community. When all the owners have proper insurance, it will protect everyone else. This insurance ensures that you can pay for any liability claims and repair your own property.

Mortgage Lender Requirement

Another reason that you will need a condo insurance policy is that your mortgage lender could require it. Anyone that has taken out a loan for their condo purchase will have insurance requirements in their documents. These insurance requirements will usually stipulate the type and level of condo insurance that you need. Ultimately, this helps to protect your asset, which in turn will protect the lender’s collateral.

There are a lot of reasons why someone may need a condo insurance policy in the Aurora, CO area. When you are looking for insurance here, it would be an excellent time to speak with the team at All-Star Insurance Brokers Inc. When you call the team at All-Star Insurance Brokers Inc., it will ensure that you are made aware of all of your condo insurance options. These insurance professionals can also help you to pick a policy that will keep you in compliance with your various insurance obligations.

Extend The Life Of Your Car With These Tips

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The purpose of auto insurance is to help with repairs should you find yourself in an accident. It can also provide roadside assistance, not to mention help cover liability issues. However, your insurance is only part of the equation. In order to better protect yourself and your vehicle, you need to take care of it properly. At All-Star Insurance Brokers Inc., it is our goal to give you all the information you need to do precisely this. So, if you live around greater Aurora, CO, here are a handful of tips for extending the life of your car. 

Check Your Fluids

You don’t need to be a mechanical wizard to check your fluids. Most fluids within your vehicle will have clear identifying marks for levels. Make sure these are leveled and don’t run low. Your owner’s manual will tell you exactly the fluid you need if you notice low fluid levels. 

Regularly Scheduled Maintenance

Your owner’s manual will detail a maintenance schedule you need to follow. This will help you keep on top of any kind of repairs that need to be made, all before the small repairs turn into something far more severe. 

Protect Your Vehicle With Auto Insurance

There are three pillars in extending the life of your vehicle. The first is to follow these tips. The second is safe, defensive driving. The third is to protect your vehicle with auto insurance. Finding the right kind of auto insurance can be a challenge, but our staff here at All-Star Insurance Brokers Inc is here to help. So, if you call Aurora, CO home, and want to learn more about your auto insurance options, give us a call at your earliest convenience. We are here to help every step of the way. 

3 Tips for Understanding Commercial Insurance

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Whether you live in Aurora, CO or Dallas, TX, your business plays a huge role in how you interact with the city. From its people to its weather, you’re influenced by countless local forces. And when so many things can go wrong in a commercial enterprise, it’s worth examining how your policy works in real-life. All-Star Insurance Brokers Inc. is here to tell you more. 

1. The Minimums Are Not the Same As What You Need 

You may need a certain degree of coverage to stay in compliance with state law while you’re officially operating your business. But like so many other things in life, you may not want to let another person dictate terms for you. Business owners may want to consider adjusting their policy, so it fits their expectations as opposed to someone else’s. 

2. Liability Counts 

An employee harasses a customer, a patron slips and falls, one of your products malfunctions: all of these are everyday events that can be solved with the help of liability coverage. But your commercial policy may have limits on your liability, which can ultimately have a lot to do with how you handle an accusation. 

3. You May Need a Little Extra Help 

It’s impossible to research everything you need online. Even going line by line through your policy may confuse matters more than it helps. If you’re looking for someone who can explain your policy, without using technical jargon, it’s not a sign of weakness or ignorance. On the contrary, it can prepare you for what’s really to come if something goes wrong. 

If you don’t want to guess about your commercial insurance policy, All-Star Insurance Brokers Inc. in Aurora, CO is here to be of service. When you give us a call, we can help you decipher it all. 

3 Home Insurance Facts in Colorado

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Because home insurance is typically an avoided topic of conversation (unless a natural disaster hits), it’s all too common for people to form several misconceptions. When it comes to home insurance in Aurora, CO, it may be helpful to start dispelling a few myths. All-Star Insurance Brokers Inc. is here to tell you three facts that may make it easier to adjust your coverage if you need to. 

Home Insurance May Not Cover Certain Things

Pet damage, flooding, personal property: your home insurance is different from your neighbor’s in terms of coverage. You can’t assume that something is covered unless it’s listed in black-and-white. 

Home Insurance Helps If You’re Sued 

If a guest injures themselves because of a poorly maintained home, it’s home insurance that will help you cover the expenses of a lawsuit or a settlement. What you may not know is that your policy also lists certain limits, so you may want to consider if they’re high enough to cover something like serious medical bills. 

Home Insurance Is Dependent on Your Carrier 

How fast is a claim processed? How easy is it to get ahold of an agent? Is it easy to understand the terms of your policy? You may be meeting your mortgage requirements by having home insurance, but the carrier you choose matters. The more you know about your policy, the better your decisions will be. 

If you don’t want to take chances with your policy or have questions about which kind of policy is right for you, All-Star Insurance Brokers Inc. is here to serve the homeowners of Aurora, CO. Contact our office to speak with an agent about your options.