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All-Star Insurance Brokers Inc

2821 S Parker Rd Suite 455
Aurora, CO 80014

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What Happens If Your Home’s Liability Insurance Maxes Out?

At All-Star Insurance Brokers Inc, we’ve worked with many people in Aurora, CO, who have struggled when their liability coverage maxed out. This situation can cause many financial difficulties and must be approached with an appropriate level of caution. Here’s what you need to know. 

Maxed Out Liability is a Problem 

If your liability coverage maxes out due to a lawsuit or other similar liability concerns, you will be stuck paying any money left over. For instance, if your policy maxes out at $25,000 and you owe $50,000, your policy will cover half of it and leave you with another $25K to pay somehow.

Unfortunately, this may result in you struggling to pay various costs in a lawsuit, such as paying for a person’s medical care and much more. Therefore, you need to know how to avoid this problem by adjusting your policies and preventing severe complications.

How to Avoid Problems 

If you’re concerned about a high risk of liability problems at your home, getting umbrella insurance policies or increasing your liability protection in your standard coverage is crucial. Of course, you’ll pay more for this protection, but it will protect you if you run into any complications. 

Unfortunately, any problems you experienced before this policy are not covered, so you may still be in a challenging situation if your policy is maxed out. Therefore, it is vital to take steps before any problems occur to ensure you don’t get stuck in a bad situation.

Find Insurance That Makes Sense

Liability coverage is essential for your needs because it can keep you safe from serious financial difficulties if you get into a lawsuit. Thankfully, we at All-Star Insurance Brokers Inc can help Aurora, CO people get the help they need finding policies that make sense for them.

Will Recreation Insurance Cover a Car Accident?

Recreational vehicles provide a fun and engaging experience that you can’t get with any other vehicle. But what if your RV gets damaged in a car accident? Are you protected? Let us at All-Star Insurance Brokers Inc walk Aurora, CO residents through this troubling and potentially costly financial situation.

What Is Recreational Insurance?

Recreational insurance is a type of insurance policy that helps to cover vehicles used mostly for recreational purposes. For example, four-wheelers, some types of RV, motorhomes, campers, fifth-wheels, and much more are all covered by this type of unique policy. 

Typically, coverage falls into both liability and property protection. Liability covers you if your vehicle causes any injury or if someone is hurt while in your vehicle. It can also help to protect against property damage. But does this policy type extend to car accidents? 

Does It Cover Accidents? Yes 

When you’re driving your recreational vehicle (such as if you’re moving a motorhome or camper) and you get into a car accident, you should be covered. Your vehicle’s policy covers any damage under its protection caused by the vehicle’s use, whether as a vehicle or as a home. 

For instance, if someone rear-ends your camper while you’re driving it to a camping spot, your recreational insurance will cover the damage. If you are hauling your vehicle, your recreational insurance policy may help you, though some auto insurance policies may also cover you. 

Find a Policy That Works for You

If you think that you need a high-quality recreational insurance policy, it is smart to contact us at All-Star Insurance Brokers Inc right away to learn more. Our team will work with Aurora, CO residents to find the best policy type and will work hard to ensure that you are covered.

How to Find the Right Renters Insurance Policy for You

Aurora, CO is a beautiful place to live — many residents rent homes here and love the experience of living in Colorado without being tied down to a mortgage. However, if you’re a renter — do you have renter’s insurance? 

Renters Insurance in Colorado

Renters insurance may not be required by law in Colorado, but All-Star Insurance Brokers Inc advises all tenants to purchase renters insurance for many reasons. 

In the event of a fire, natural disaster, or other severe weather scenario, renters insurance protects all your belongings in the home. Your personal property is your responsibility, not the landlord’s, so it’s important that you have an insurance policy on those items should anything happen to them. 

This can include any major appliances you’ve purchased since living in the home, clothing, jewelry, laptops, cameras, TVs, and anything else you own. Imagine a fire destroys everything in your current home and you don’t have an insurance policy protecting your items. What would the financial loss be? 

Don’t put yourself in a vulnerable situation as a renter in Aurora, CO. Maybe you are trying to save money for a down payment on your first home; if disaster strikes and you have to replace your belongings, without an insurance policy you’ll have to start over at zero. 

To avoid any potential financial hardships, invest in a renters insurance policy. You may never need it, but on the off-chance that you do, you will be very grateful that you covered all your bases. For a low cost, you can have total peace of mind as a renter. 

Those looking for an affordable renters insurance policy should contact All-Star Insurance Brokers Inc. Our experienced agents can provide you with all the information you need. 

The Beginner’s Guide to RV Insurance

A recreational vehicle (RV) is a great way to travel around the country with friends and family. In a state like Colorado, so much of the beautiful landscape and views have to be experienced from hikes, campsites, and other outdoor locations. Having an RV is the perfect way to experience all that Colorado has to offer in the most natural way.

There’s a lot to know about owning an RV in Aurora, CO, and we’re here to break down the basics. 

Similar to the way you have insurance policies for your home and cars, an RV should be adequately covered under its own insurance policy. Doing so protects you from any potential accident or damage to the vehicle. It also protects the financial investment you’ve made in purchasing a vehicle.

In Colorado, liability insurance is required for an RV. This typically covers damages or injuries that occur while driving.

You can also expect to have collision and roadside coverage when purchasing an RV insurance policy. The team at All-Star Insurance Brokers Inc. encourages all RV owners to shop around and determine what coverage really matters to them. Everyone uses their RV differently, so you will want to ensure that whatever policy you select is in line with the usage you intend to have. 

If you are unsure about what policy is the right choice, or if you are curious about using auto insurance to cover your RV, contact the experts at All-Star Insurance Brokers Inc. Operating out of Aurora, CO, our team has vast knowledge and experience with RV insurance and can help you select the right policy to match your needs. 

Is it necessary to have motorcycle insurance in Aurora?

Those that are in the Aurora, CO area will want to ensure that they have an efficient way to get around the area and enjoy all that it has to offer should look into purchasing a motorcycle. For most of the year, owning a motorcycle is a practical mode of transportation and can provide a lot of fun. If you do purchase a motorcycle in this area, you also need to have motorcycle insurance. This coverage should be considered necessary for a few reasons. 

Protection Needed to Protect Asset

A reason that you should consider motorcycle insurance a necessity is because it is needed to protect your asset. Your motorcycle is a major asset and investment that you will want to pay off for a long time. A great way that you can ensure this happens is by getting a motorcycle insurance plan with collision and comprehensive coverage, which provides protection against many risks. 

Legal Obligation

You should also have motorcycle insurance because it can be a legal obligation. If you intend to drive your motorcycle on a public road in Colorado, you will need to carry liability insurance. If you don’t maintain this type of motorcycle insurance coverage, you will be in violation of the law and can face various forms of penalty. 

A proper motorcycle insurance plan in the Aurora, CO area should be considered a necessity for any motorcycle owner. As you are assessing your needs and options, calling the team with All-Star Insurance Brokers Inc can be a great option. There are a lot of choices to make when looking for coverage and All-Star Insurance Brokers Inc can help to make it easier for you. The team will offer a variety of services that can help you choose a plan and ensure you are properly covered. 

Do You Need Insurance for River Boats?

At All-Star Insurance Brokers Inc, we have many Aurora, CO residents ask us if they need insurance for their riverboats. Here’s what you need to know about this question.

You Don’t Technically Need Insurance

Colorado law currently doesn’t require boat owners to have any sort of coverage on their vehicles. This lack of coverage need extends not just to typical lake boats but riverboats as well. These specialized vehicles allow boaters to quickly move down the river and see different areas with ease.

Some of these boats may have unique designs that help them stay above shallow boating areas, such as a design that lets them stay as close to the surface of the water as possible. But, often, they are pretty pricey – meaning that you may still want to have some protection for them anyway.

Why You Should Still Get a Policy

Even though you don’t technically need an insurance policy for your riverboat, just think about what would happen to you financially if you didn’t have it. A good approach of this type will help to:

  • Protect against damage caused by river rocks
  • Cover liability costs if people get injured as you ride
  • Pay for replacements to your boat if it gets destroyed
  • Protect against fire, flood, and other problems

These benefits make boat insurance a wise choice for river boaters. It is brilliant for those who take people down the many whitewater rapids throughout the state. There’s no reason why you need to put your boat at more risk by not getting one of these insurance policies.

How We Can Help

Please don’t hesitate to contact us at All-Star Insurance Brokers Inc if you want boat insurance. We help Aurora, CO residents and many others get the coverage that they need.

How Much Umbrella Insurance Coverage Do I Need?

Do you have a lot of assets? If so, then it might be time to start thinking about umbrella insurance coverage. Umbrella insurance is designed to protect your personal and business assets in the event that you are sued for negligence or gross negligence. There are many things you need to think about when buying umbrella insurance coverage. For example, how much Umbrella insurance coverage do I need?

All-Star Insurance Brokers Inc. in Aurora, CO can help you determine what your needs are and how much coverage you should get.

But first,

What Does Umbrella Insurance Cover?

An umbrella insurance policy covers the excess liability that falls outside the scope of your auto, home, and worker’s compensation policies. For instance, if you are an employer with employees, any lawsuit could result in a much higher award than would be covered by simple workers’ comp policy.

Umbrella insurance is typically supplemental insurance that provides for some unforeseen circumstances, and it is usually at an additional cost – but worth every penny if needed.

Who Needs Umbrella Insurance?

Umbrella insurance is for those with a lot on the line who need plenty of protection against accidents and injuries suffered by themselves or others. You need it if you’re in high-risk fields, like law or medicine; have high-value assets to protect; or are worried about the cost of potential lawsuits.

How Much Coverage Do You Need?

The amount is mostly influenced by the type of work and risk level. This is a difficult concept to define, but here are some examples:

Construction workers will need more than warehouse laborers because there’s always a risk for injury or loss on-site due to objects being dropped from high heights and other hazards requiring additional safety precautions.

Doctors often require more than lawyers because there’s always a potential for something catastrophic happening during their shift (i.e., surgery) which could lead to lawsuits with expensive consequences.

Get Umbrella Insurance in Aurora, CO Today

You don’t want to find out how much you need it after something has happened. Make sure your business is protected with an Umbrella insurance policy from All-Star Insurance Brokers Inc. Contact us today and we’ll help you determine what kind of protection you might require now or in future years as your business grows.

Three Types of Protection From Condo Insurance

Condo insurance is a must for anyone who owns a condo. It provides three different types of protection to condo owners. If you have a condo, call us at All-Star Insurance Brokers Inc in Aurora, CO to find out more about getting your condo insured. 

Possession Protection

One of the main coverage types that condo insurance gives you is protection if your possessions are destroyed or damaged. This coverage can help you to replace items that are lost in a disaster or calamity. With this protection, you won’t have to start over from scratch if the worst should happen to your belongings. It’s an important type of coverage to allow you to get back to normal life after a terrible incident. 

Liability Protection

What happens if you have a guest in your condo and that guest gets sick or becomes injured? Generally, the liability will be for you. You will have to pay the medical bills and/or damaged property costs if you are judged to be at fault for the incident. With condo insurance, you have a set amount of liability coverage. If an accident happens, the insurance will pay up to its maximum to not get sued for the bills. 

Home Protection

If your condo were to be extremely damaged or destroyed, you would not be able to live in it, at least for a while. So, what do you do? If you have condo insurance, the policy will pay for you to move somewhere that is habitable for the duration. It can even pay for some of your expenses as you move. 

Get Condo Protection

If you don’t have your home covered by condo insurance yet, give us a call at All-Star Insurance Brokers Inc in Aurora, CO. Your home and your possessions should be covered to protect your standard of living. 

Tips for buying auto insurance for teen drivers

Kids grow up fast. They turn 16, and next, they will learn how to drive, and soon they will be driving on Aurora, CO roads. Have you thought about insurance? How much and how can you save when purchasing it?  Well, All-star Insurance Brokers Inc. has all that figured out for you. Here are a few tips you can utilize to get the most out of auto insurance for your teen.

Sign your teen up for a safe driving class

Auto insurance for teens is pretty expensive. It’s almost impossible to tell whether they’re going to be good drivers since it’s their first time driving. Insurance companies, therefore, raise their premiums until they’re older and more responsible. To prove that your teen is a great driver, you can invest in enrolling them in safe driving schools to improve their driving skills. Most companies can reduce premiums with every completed class.

Talk to your teen about insurance.

It’s also essential to talk to your child about the dangers of reckless driving. Let them know that they’re responsible for their behavior and might be punished heavily for their actions. Careless driving could lead to license revocation and even jail time.

Get a safe used car

The more expensive the car, the higher the premiums—double that if you’re insuring a teen. If the car is expensive, spare parts and maintenance are equally expensive. Your auto insurance company will consider all this, including the possibility of accidents as your teen learns to drive. Consider getting them a standard vehicle until they have enough experience driving.

Add them to your policy.

If purchasing separate auto insurance is not an option for you, you can add your teen to your own auto insurance policy. Of course, your premiums will go up, but it’s more affordable than buying a whole new auto insurance policy.

Need more information on how to keep your teen safe on Aurora, CO roads? All-Star Insurance Brokers Inc. can help you and your teenager find a policy that matches your needs. We care about you and what matters to you. Call us to learn more.

Business Owners and Commercial Insurance

As a business owner, you’re going to find yourself wearing many different hats. The list of responsibilities and duties which you must perform each week can sometimes feel overwhelming. At All-Star Insurance Brokers Inc., serving Aurora, CO, we want to help take off some of that stress. One of the biggest responsibilities felt by business owners is the stress of knowing it is up to you to protect your business from disaster or financial hardship. We are here to help with that. A solid commercial insurance policy can relieve this stress and strengthen your company. 

What Is Commercial Insurance?

Commercial insurance is a type of bundled insurance policy that can help business owners rest easy. This type of insurance product will have everything you need to make sure your money and time investments are well protected in your business. 

What Does Commercial Insurance Cover?

Although a knowledgeable insurance representative will customize a policy that suits your particular needs, there are a few general areas of coverage included in most commercial policies.

  • Property damage– Property damage insurance will assist if there is damage to your property or equipment because of fire, natural disaster, or burglary. The policy will help to pay for the repair or replacement of these things. 
  • Auto coverage– You must provide automobile insurance for any vehicles you use in your business’s operation. A commercial policy can cover this. 
  • Liability– Liability is a vital type of insurance coverage. If an employee or a customer is injured at your business or because of your goods and services, you and your company could be held responsible for any medical bills or legal fees which resulted. Expenses of this magnitude can leave a business owner financially vulnerable. A solid liability policy can protect you from this. 

If you would like to learn more, please contact us at All-Star Insurance Brokers Inc., serving Aurora, CO.