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All-Star Insurance Brokers Inc

2821 S Parker Rd Suite 455
Aurora, CO 80014

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All-Star Insurance Brokers Inc

3 Key Areas Covered By Renters Insurance

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Most people prefer renting an apartment as it provides freedom to live anywhere in the state. For some, it’s to evade the responsibilities of owning a home, like pest control, yard work, maintenance, or trash removal. It, however, does not eliminate the need to buy insurance while renting an apartment. Your landlord’s insurance only insures the grounds and buildings against damage or loss. That’s why you should have renters’ insurance. 

Our experienced team at All-Star Insurance Brokers Inc. in Aurora, CO can help you navigate this vital coverage.

What does renters insurance cover?

Here are the key areas:

  • Personal liability coverage: Accidents to others, causing bodily injuries or property damage, can happen within your apartment. For example, a visitor’s slip or fall may result in injuries requiring medical attention. Your liability coverage would pay for the resulting medical expenses or legal charges if you get sued.
  • Personal belongings coverage: Your house is where most of your valuables are, for example, electronics, appliances, furniture, clothing, books, and much more. The coverage replaces your belongings in case of damage or loss due to a covered peril.
  • Additional living expenses: Your renters insurance also covers additional living expenses. If your home, for example, gets damaged to an extent it becomes unlivable, this policy puts you in a temporary living place as repairs are ongoing. It may also pay for meals, laundry, pet boarding, and other expenses.

Get Renters Insurance Today

Most people underrate the importance of renters insurance because it does not cover the building. The fact that it protects your personal belongings and pays for the additional living expenses and lawsuits is reason enough to invest in renters insurance. Furthermore, renters insurance is affordable and gives you peace of mind. Ready to purchase renters insurance in Aurora, CO? Contact All-Star Insurance Brokers Inc. for an affordable quote.

RV Insurance 101: Why Should You Buy it?

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Do you think that RV insurance is an unnecessary expense? You’re not alone. Many people believe that since their RV is paid off, they don’t need to insure it. But if something happens while you’re on the road, that "unnecessary" expense could save you a lot of money. All-Star Insurance Brokers Inc. in Aurora, CO can provide you guidance on the benefits of RV insurance and why it’s essential.

Here are a few reasons why:

Liability Protection

If you’re in an accident and it’s determined that you’re at fault, your RV insurance will cover the damage to the other vehicle. It will also cover any medical expenses for the other people involved in the accident. If you don’t have RV insurance and are at fault, you could be responsible for paying all those expenses out of pocket.

Collision and Comprehensive Coverage

If your RV is damaged in an accident or by something other than a collision (like fire, theft, or vandalism), your comprehensive collision coverage will pay to repair it. If your RV is totaled, you’ll receive the actual cash value of your RV minus the deductible. Again, if you don’t have this coverage, you’ll be responsible for paying for repairs or replacement out of pocket.

Towing and Roadside Assistance

Towing and roadside assistance can be quite expensive. If you have RV insurance, these services are usually covered by most policies. But if you don’t have the coverage, you’ll be responsible for paying for it out of pocket if your RV breaks down on the side of the road.

Personal Property Coverage

If you keep any personal belongings in your RV, they may not be covered by your auto insurance policy. But if you have RV insurance, your personal belongings will be covered if damaged, destroyed, or stolen. The last thing you want is to lose your belongings while you’re on the road with no way to replace them.

Purchase RV Insurance Today

RV insurance is essential coverage to have if you own an RV. It can protect you from financial ruin in the event of an accident or other mishap. And while it may seem like an unnecessary expense, it could save you a lot of money in the long run.

So make sure you’re properly protected by contacting All-Star Insurance Brokers Inc. in Aurora, CO today to purchase RV insurance. We’ll ensure you’re properly covered so you can relax and enjoy your time on the road. Give us a call today to get started!

5 Things You Need to Know About Motorcycle Insurance

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If you’re a motorcycle enthusiast, you know that owning and riding a bike comes with its own risks. And while you may do everything in your power to stay safe on the road, accidents can still happen – which is why it’s important to have the right insurance policy in place. 

All-Star Insurance Brokers Inc in Aurora, CO can help you navigate this important insurance coverage.

Here are five things you need to know about motorcycle insurance:

1. Different States Have Different Requirements

Every state has different laws regarding motorcycle insurance, and it’s important to be aware of the requirements in your state. You could face serious penalties if caught riding without the required insurance.

2. You Can Get Different Types of Coverage

Just like with car insurance, there are different types of coverage available for motorcycles. The most common type is liability insurance, which covers damages caused by the rider to someone else. Other types of coverage include collision and comprehensive insurance, which cover damages to the rider’s own motorcycle.

3. You’ll Need to Consider Your Deductible

When choosing a motorcycle insurance policy, you’ll need to decide on the amount you would be able to pay out-of-pocket in the event of an accident before your insurance would cover the rest. This is called your deductible, and it can greatly impact your premium.

4. Add-Ons Can Customize Your Coverage

A number of add-ons or riders can be added to a motorcycle insurance policy to customize the coverage. Some common add-ons include roadside assistance, trip interruption, and custom parts and equipment coverage.

5. Motorcycle Insurance is Generally Affordable

Motorcycle insurance is typically less expensive than replacing a bike or repairing damages out-of-pocket. However, the cost of motorcycle insurance will vary depending on factors such as the type of bike, the rider’s age and driving record, and the amount of coverage.

Get Motorcycle Insurance Today

All-Star Insurance Brokers Inc in Aurora, CO offers motorcycle insurance that will protect you and your bike. We have a wide range of coverage options to choose from, so you can find the perfect policy for your needs.

Contact us today to get a quote on motorcycle insurance.

What is included in a standard boat/watercraft insurance?

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During the warm summer months of the year, many people in the Aurora, CO area will want to get outside and enjoy all of the local lakes and rivers. One way that you can enjoy your experience here to the fullest is by investing in your own boat. Along with a boat, you also need to have insurance for it. There are various forms of coverage that make boat or watercraft insurance a good option. 

Coverage for Boat

One type of coverage that is standard in a boat insurance plan is coverage for your boat. If you purchase any type of watercraft, there will be a chance that it could be involved in an accident or it is stolen. As you will need to invest to acquire and maintain your boat, protecting the investment is important. With a boat plan, you will get the coverage necessary to ensure you can repair or replace this asset. 

Liability Support

If you are going to drive a boat, there will always be a risk that you could cause an accident that results in damage. If this does occur, you will have to cover the costs associated with it. Fortunately, you are often able to mitigate this risk if you have a boat insurance plan as it will include a provision for liability coverage that will offer protection if you are found to be at fault. 

Give Us A Call

Boat insurance should always be considered a necessity for owners in the Aurora, CO area. Once you are ready to start looking for coverage, you should call All-Star Insurance Brokers Inc. The team with All-Star Insurance Brokers Inc will give any support that you need to build and select your next plan. This will help ensure you remain appropriately protected. 

What is the value of having an umbrella insurance plan in Ohio?

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Liability risk is something that all people in the Aurora, CO area need to take seriously. As the risk of being named liable for an accident can be significant, you will want to ensure that you remain insured against the concern. A great way this can be done is by getting an umbrella insurance policy. This type of coverage offers various benefits and forms of value that can make it a good investment for you.

Why You Need Umbrella Insurance

Reduce Risk of Major Claims

One of the reasons you should have an umbrella insurance plan is so you can reduce the risk of being named liable in a major claim. Most people will have liability coverage through home, auto, and other insurance plans. However, those policies will always have an annual and per-incident limit. If you have an umbrella insurance plan, it will give the coverage you need on top of the base insurance plan.

Prepare for the Unexpected

It would also be a good idea to get an umbrella insurance plan to ensure you are able to prepare for the unexpected. There is always a chance that you could be named liable for some type of accident that you are not expecting. In some cases, these may not be covered by other insurance plans. With an umbrella insurance plan, you will receive more blanket coverage that will protect against other risks. 

Contact Us Today

Getting a proper umbrella insurance plan is a good idea for many people in the Aurora, CO area. When you are ready to start shopping for a new policy here, starting your search with All-Star Insurance Brokers Inc is a good option. The professionals with All-Star Insurance Brokers Inc can offer any support that you need to build a plan that will meet your needs. 

Moving to a condo? Don’t forget about insurance!

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If you are in the process of buying a condo in the greater Aurora, CO area, it’s time to meet the team at All-Star Insurance Brokers Inc. We will help you find the right insurance to fully protect your new home.

Finding the right condo insurance for your needs

Owning a condo is a great step toward a low-maintenance lifestyle. Of course, this doesn’t mean that a condo doesn’t require any maintenance or upkeep at all. Condo living can be a lot more carefree than living in a house, but it is not without its responsibilities. When it comes to protecting your unit, there are a number of different options available. It’s important to understand the unique needs of condo insurance protection.

A condo building generally has an overall insurance policy that covers the building structure and common areas. Unit owners are required to hold their own policies to protect the interiors of their units along with their belongings. Determining the correct level and amount of insurance coverage for a condo policy is an important decision.

When a condo owner experiences damage to their unit, it is usually their responsibility to fix it. This can even be the case if the damage is the fault of another unit owner. Accounting for this reality is an important part of the selection policy when it comes to choosing the right policy. 

We are here to help with all types of insurance

Aurora, CO residents can rely on All-Star Insurance Brokers Inc. for condo or any other type of insurance. If you are thinking of purchasing a condo, let us help you find the right policy for you! Come by our office, or give us a call today.

Why you may need more than basic auto insurance coverage

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In order to drive a vehicle or to register a vehicle in Colorado, you must have the required auto insurance coverage. That is liability coverage that protects other drivers from you and an accident that you might be responsible for. At All-Star Insurance Brokers Inc in Aurora, CO, we are independent insurance agents and we provide our customers with personalized insurance services. We can answer the questions you may have about basic coverage and if it is the right option for you. 

Basic auto insurance coverage

In Colorado to drive a vehicle, you need basic insurance in the amount of 25/50/15. That pays out $25,000 for the first injury in an auto accident you are responsible for and a total of $50,000 for all injuries in any one accident,  with an additional $15,000 for damage to property. If you have few assets, this might be enough coverage, but if the expenses for the accident go higher than that, you could be left responsible for paying them out of your pocket. 

Additionally, if you have a car loan or lease your vehicle, you will be required to have coverage on your vehicle itself. The lender or the leaser wants their investment protected.  

If you own your vehicle outright, is basic insurance a good option? Only if your vehicle has almost no value or if you don’t use it for all your activities every day of the week. If you have the cash to repair your vehicle if it was damaged in an accident or to replace it if it was stolen, then you can get away with just the most basic auto insurance. If, however, like most of us, you count on your vehicle and don’t have lots of available cash, then collision and comprehensive insurance are important. 

Contact All-Star Insurance Brokers Inc in Aurora, CO to talk about your auto insurance needs. 

Why home-based businesses need commercial insurance

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More and more people are opting to operate a home-based business. Using your home requires less outlay of cash initially since you don’t need to pay rent or buy a building. But there is a temptation when your business is located in your home to assume that your home insurance will protect your business the same way it protects your home. All-Star Insurance Brokers Inc. in Aurora, CO has the expertise to help you make sure that you have the coverage necessary to protect your business.

Home property insurance protects your home from lots of perils. It is designed to be personal, not commercial. If your business located in your home were destroyed, you would find that a lot of the things you rely on for your business operations would not be covered by your home policy. Commercial insurance is designed to protect your inventory and any tools or machinery you might need to do business. You might get some coverage with home insurance, but not what you need. 

Home liability insurance protects you from injuries that a visitor might incur to your home. If you have customers or vendors who come to your home on business and are injured, your home insurance will not cover you. It would be best if you had commercial liability insurance to offer you the correct liability insurance. 

If your business cannot operate because of a covered peril, the insurance will provide the money you need to meet normal expenses with business interruption insurance. That includes paying bills and meeting the payroll, even paying yourself. Nothing on your home insurance would do this for you. 

If you have even one employee, you need to have workers’ compensation coverage for them.

Contact All-Star Insurance Brokers Inc. in Aurora, CO when you need commercial insurance information.

Home Insurance For People Who Live Together

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Not many people in Aurora, CO have taken the time to read their entire homeowners’ insurance policy from front to back. Although they really should because there could be some interesting exclusions which they may not be aware of until something happens. Talk to your agent at All-Star Insurance Brokers Inc to find out about the coverage included in your policy.

One important exclusion to watch for is in relation to additional members of the household, such as a boyfriend or girlfriend, a roommate, a friend, or anyone else living in your home that you are not related to by blood or law. These people are classified as "other members" of the household on your home insurance policy. Unless you specifically adjust your policy, they may not be covered for liability or property damage claims.

Who Is Covered by Home Insurance?

You as well as any member of your household that you are related to by adoption, blood, or marriage are covered by your homeowners’ insurance policy. In addition, any minors in your full-time care, such as foster children, are also covered. These are the people in your household who will automatically be covered for personal belongings in the event of a catastrophic event such as burglary, burst pipe, or fire. They are also covered in the personal liability portion of the policy.

Unmarried couples whose names both appear on the deed are now typically covered without the need for an "other members" endorsement. However, it is always a good idea to check with your insurance provider to make sure this is the case with your specific policy.

Adult children and senior parents living in your household are also covered under your home insurance policy. This is because they are related to you by blood. Boyfriends, girlfriends, roommates and unmarried couples who are not both included in the deed will need to purchase an endorsement for "other members" coverage.

If you are not certain that all of the members of your Aurora, CO household are covered by your home insurance policy, contact All-Star Insurance Brokers Inc today. We will be happy to answer any questions that you have.

Why it’s important to protect your recreational vehicles

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The team at All-Star Insurance Brokers Inc is here to help the greater Aurora, CO community with their insurance needs. We know how great it is to get outside, especially into the beautiful natural areas that surround us. If you are a recreational vehicle enthusiast, it’s important to know how insurance can help protect you.

Why ATVs and other recreational vehicles require insurance

Many people who love riding ATVs and similar vehicles think that, because they ride on private land, they are not required to carry insurance. While this may be true in some instances, there are many reasons to have insurance for these types of vehicles. The main reason why it’s a smart idea to have insurance is liability concerns. If you are or someone riding your vehicle is involved in an accident or another injury-causing mishap, you will want to have liability insurance in place!

Additionally, if your recreational vehicle is damaged or stolen, you will not want to have to come 100% out-of-pocket to repair or replace it. Even when you are only riding your vehicle on private land, it still makes a lot of sense to have a basic insurance policy in place. If you ride on roads or other public areas, you will want to take a look at other more comprehensive policies.

Now is a great time to find out more!

Find out more today!

The team here at All-Star Insurance Brokers Inc is available to answer your questions about all types of insurance. If you are in the greater Aurora, CO area and would like to learn more, call or stop by our office today!