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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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Tips for Creating a Boat Inventory for Insurance Purposes

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Whether you’re a weekend lake cruiser or a deep-sea fishing enthusiast, protecting your boat is just as important as enjoying it. At Atrium Insurance Group, serving Centennial, CO, we help boat owners ensure they’re fully covered, and one of the smartest steps you can take is creating a detailed boat inventory for insurance purposes.

Why a Boat Inventory Matters

Imagine filing a claim after a storm or theft, only to realize you can’t remember every item that was on board. That’s where a boat inventory comes in. It’s a comprehensive list of everything on your boat—from electronics and safety gear to personal belongings. Not only does it make filing a claim easier and faster, but it also ensures you’re properly reimbursed for your losses.

Start with the Essentials

Begin by listing the big-ticket items like GPS systems, fish finders, radios, and trolling motors. Then move on to tools, life jackets, fire extinguishers, and any custom installations. Don’t forget smaller but still valuable items, such as coolers, anchors, and fishing gear. The more detailed your inventory, the better.

Take Photos and Keep Records

While a written list is helpful, photos add an extra layer of proof. Take clear pictures of each item, and if you have receipts or manuals, store them in a digital folder for future reference. This visual documentation can be invaluable when working with an insurance adjuster.

Keep Your Inventory Updated

Boats are constantly evolving with new gear and upgrades. Make it a habit to update your inventory at least once a season or whenever you make significant additions. Staying current ensures your insurance coverage reflects the true value of your boat and its contents.

Need help determining the right coverage for your boat and everything on it? Atrium Insurance Group, serving Centennial, CO, is here to guide you through the process. Contact us today, and let’s make sure your boat is fully protected.

Is Umbrella Insurance Required for Business Owners in Centennial?

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Running a business involves safeguarding your investments, assets, and ongoing operations with appropriate insurance policies. If your business is located in Centennial, CO, you might be considering bundling insurance policies or finding a comprehensive plan. At Atrium Insurance Group, we can guide you through the process of comparing policies and determining if umbrella insurance solutions are suitable for your needs.

Is Umbrella Insurance a Legal Requirement in Colorado?

In short, umbrella insurance is not legally required for business owners in Colorado. However, umbrella insurance policies are recommended for those seeking to extend their coverage beyond standard liability limits and restrictions.

Advantages of Umbrella Insurance for Business Owners in Colorado

If you’re operating and managing businesses in Colorado, here’s how umbrella insurance can benefit you:

  • It fills in coverage gaps that aren’t typically covered by standard policies (ideal for high-risk industries).
  • It covers large settlements and potential lawsuits or legal disputes you may face.
  • It extends your existing protection across multiple policies.

Additional reasons to consider umbrella insurance as a business owner in Colorado include:

  • Litigation risk: Umbrella insurance adds protection and provides a sense of security to avoid litigation risk.
  • Bodily injury and property damage: This could be a legitimate concern if you deal with heavy foot traffic, commercial vehicle fleets, or on-site service.
  • Assets: For sole proprietors and/or LLC/S-Corp owners, umbrella insurance can offer a buffer to protect your personal finances and/or belongings.

While umbrella insurance solutions may not be suitable for everyone, they can benefit small and large business owners throughout Colorado. If you’re a business owner in Centennial, CO, and you need additional protection and coverage, we can assist. For more information about umbrella insurance and to compare your options and rates, contact Atrium Insurance Group today.

The Difference Between Landlord and Renter Responsibilities

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When you’re renting a home or apartment, it’s easy to assume that your landlord takes care of everything. After all, they own the property. But the truth is, both landlords and renters have unique responsibilities, and understanding the difference can save you a lot of stress. At Atrium Insurance Group, serving renters throughout the greater Centennial, CO region, we believe understanding these roles is the first step to a smooth renting experience.

Landlord Responsibilities

Landlords are primarily responsible for the property itself. This includes maintaining the building’s structure, ensuring that plumbing and heating systems are working correctly, and addressing any safety concerns. If the roof starts leaking or the heater stops working in the middle of winter, it’s your landlord’s job to fix it. They’re also responsible for ensuring the property is up to code and habitable for tenants.

Renter Responsibilities

As a renter, your responsibilities are more focused on what’s inside your unit. You’re expected to keep your space clean, avoid damaging the property, and report any maintenance issues promptly. But one key responsibility often overlooked is protecting your personal belongings. If a fire, theft, or water damage occurs, your landlord’s insurance won’t cover your possessions. That’s where renters’ insurance comes in.

The Importance of Renters’ Insurance

Renters’ insurance is a simple way to protect yourself financially. It can cover your belongings, temporary living expenses if you’re displaced, and even liability if someone gets hurt in your home. It’s affordable reassurance—and something every renter should consider.

Ready to protect what matters most? Reach out to Atrium Insurance Group in Centennial, CO, today and let us help you find the right renters’ insurance for your needs.

What to Do If Your Motorhome Is Vandalized at a Campground or Parking Lot

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Owning a motorhome offers the freedom to travel wherever the road takes you. However, it also comes with certain risks, including vandalism. Whether your RV is parked at a campground or left unattended in a parking lot, acts of vandalism can occur unexpectedly. At Atrium Insurance Group, we provide motorhome insurance to RV owners in and around the greater Centennial, CO area. We want to ensure you know the proper steps to take if vandals ever damage your motorhome.

Evaluate the Damage and Prioritize Safety

Your first priority should be ensuring your and your passengers’ safety. If you discover broken windows, graffiti, slashed tires, or other forms of destruction, avoid touching anything until you’ve assessed the situation. If you suspect the vandals are still nearby, maintain a safe distance and contact the authorities immediately.

File a Police Report

Filing a police report is a crucial step. It documents the vandalism for legal purposes and aids in your insurance claim. Provide as many details as possible, including the time and location, and take photos of the damage for your records. Having an official report can strengthen your claim and ensure a smoother process with your insurance provider.

Notify Your Insurance Provider

After reporting the incident to the police, notify your insurance company as soon as possible. Comprehensive motorhome insurance typically covers vandalism and assists with repair costs and any necessary replacements. If you’re unsure about your coverage, Atrium Insurance Group, serving residents in the Centennial, CO, area, can help you review your policy and ensure you’re protected against the unexpected. Contact us today to learn more.

Is Your RV Covered for Theft or Vandalism in Centennial, CO?

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Part of preparing for your trip through the mountainous and rocky terrain around Centennial, CO is ensuring your travel partners are safe and protected from harm with adequate RV insurance. Recreational insurance protects policyholders from the financial fallout related to common and uncommon perils that can happen along the way.

The Atrium Insurance Group talks about how RV insurance protects your recreational vehicle, its contents, and its passengers when you’re traveling on the open roads.

Is Your RV Covered for Theft and Vandalism?

If you’re new to RVing, it’s important to understand the types of coverage available to protect your rolling home. Like auto or home insurance, RV insurance has levels that can include liability only or comprehensive and collision coverage.

The best way to determine whether a travel trailer, fifth wheel, or Class A motorhome is covered in the event of theft or vandalism during your travels is to review the terms and limits of your existing policy. Liability-only insurance policies for RVs typically provide basic protections that shield other drivers on the road from medical and financial costs associated with collisions and accidents.

Comprehensive RV policies add coverage for non-collision-related events, including thefts, vandalism, and natural disasters at your favorite campgrounds or boondocking sites.

Get RV Insurance Coverage to Protect Your Recreational Vehicle from Theft and Vandalism in Colorado

Don’t get caught traveling on local highways and byways without adequate insurance to cover your rig, travel partners, and most prized possessions. Get more information and advice on how to choose a well-structured RV insurance policy that covers against theft, vandalism, and other perils today.

Contact the Atrium Insurance Group in Centennial, CO to talk to a trusted local agent.

Motorcycle Insurance Basics: What Every Rider Should Know

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For those living in the Centennial, CO area, having an efficient mode of transportation is essential. When you are looking for transportation options, getting a motorcycle is a great choice as they are efficient and fun to operate. When you plan to purchase a motorcycle, you also need to get insurance for it. When looking for motorcycle insurance, there are several things that you should know.

Insurance Requirements

One of the things you need to know about motorcycle insurance is that it is often required. All motorists in Colorado, including motorcycle owners, need to have liability insurance. Furthermore, if you have taken out financing to buy the motorcycle, you need to have a policy that complies with lender requirements. This usually includes having a complete comprehensive and collision policy. Assessing your requirements and building a plan that meets all needs is important.

Factors Influencing Coverage

If you are looking for a new insurance plan, you will also want to know how to save money. Various factors influence costs. Some of the most significant factors are based on your personal circumstances, including where you live, how long you have been riding a motorcycle, and your driving history. The age and value of the motorcycle will also impact the cost of quality insurance.

Motorcycle ownership is a great option for many people in the Centennial, CO area. When you are looking to purchase one, you should call our team at the Atrium Insurance Group to discuss any insurance needs that you have. When you call our Atrium Insurance Group team, you can get any support you need to assess your options and get into a policy that is right for your situation.

My Boat Broke Down in the Water, Will Boat Insurance Cover It?

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When you’re looking into boat insurance, you’re likely looking for coverage with the intent of protecting your boat from major disasters or even from collisions with other watercraft. But these aren’t the only issues you could experience on the open waters. Boats are susceptible to a host of mechanical problems that could leave you stranded in the middle of a lake. When these types of developments happen, will you be covered by your boat insurance policy? Let’s take a closer look at this topic to help you understand what you can expect with your policy. Are you ready to find watercraft insurance? You can rely on us here at Atrium Insurance Group in Centennial, CO to help!

If Your Boat Breaks Down, Will Boat Insurance Cover It?

The answer to this question depends. In some cases, your policy will cover such problems. Many policies come with coverage for mechanical failures, boat towing, and similar services that are necessary if you find yourself stranded and unable to operate your boat. That being said, it’s crucial that you review your policy information to make sure that this is covered under your boat insurance. If it’s not, you could end up paying out of pocket for these services. The good news? If it’s not covered, you’re not out of luck. You can always get this additional coverage with optional add-ons, which may prove helpful if you ever experience a total breakdown or other mechanical issues in the future.

Secure Quality Watercraft Insurance With Atrium Insurance Group

Insuring your boat is essential to protecting your investment and your financial health. But who can you turn to when you’re ready to purchase insurance? You can rely on us here at Atrium Insurance Group in Centennial, CO to help you find the right policy for your needs. Compare quotes with us today!

Real-Life Examples of How Colorado Families Can Benefit from Umbrella Insurance

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Living in Centennial, CO, means enjoying the local hiking and skiing trails and participating in community activities. Forward-thinking residents get umbrella insurance as a safety add-on to protect their interests when the unexpected strikes and exceeds the financial limits of existing home and auto insurance policies.

Atrium Insurance Group provides a few real-life examples of how local families benefit from investing in umbrella insurance in the informative guide below!

Extended Insurance Benefits for Outdoor Picnics or Neighborhood Gatherings

Legal fees can quickly add up for local homeowners In the unfortunate event that a party guest is injured at your home. The costs of medical bills and related legal claims can easily surpass the limits of a traditional homeowners policy. Umbrella insurance can help offset excessive out-of-pocket costs.

Enhanced Auto Insurance Benefits for Colorado Families with Teen Drivers

Teen drivers in most states have a higher rate of auto accidents than most other categories of drivers on the road. Young drivers who are in an accident and have injuries to others can get protection from their family auto insurance and umbrella insurance policy to absorb the remaining costs.

Get Extended Recreational Vehicle Insurance Coverage Benefits for RVs

Centennial outdoor enthusiasts who love riding their ATVs, boats, RVs, and skiing can benefit from adding umbrella insurance to existing recreational policies to cover the costs of accidents that happen while having fun in the great outdoors.

Contact Trusted Local Experts

Don’t wait until the unexpected becomes reality, and it is too late to get umbrella insurance to offset the cost of medical, legal liability, and property damage claims. Contact the professionals at Atrium Insurance Group in Centennial, CO, to get a free quote and protect your most prized investments today!

What can occur if I do not have renters insurance when I am renting a home in Colorado?

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Renting a home in the Centennial, CO area can be a great option as it offers flexibility and fewer financial obligations than owning a home does. When you choose to rent a property here, you will want to ensure you are adequately covered by insurance. A variety of negative consequences could occur if you do not have renter’s insurance.

Loss of Personal Property

One consequence that can arise if you do not have renter’s insurance is that you could lose your personal property. Any renter will bring furniture, electronics, clothes, and other valuable items into a rental property. If a renter’s insurance plan does not cover you, you could face a total loss if you experience theft, fire, vandalism, or other risks. With renter’s insurance, you will get the support you need to replace these items.

Liability Concerns

Another challenge that you could experience without renter’s insurance is that you could face liability challenges. There are various liability risks that all renters will face. If you do not have a renter’s insurance plan in place, you could be held personally liable and financially responsible for any related damages. If you are covered with the right insurance plan, you will be supported in fighting the claim and covering damages.

Protect Your Rental Today

If you would like to rent a home and are in the Centennial, CO area, you should always ensure you have the right insurance. When you are ready to start looking for a new plan here, it would be smart to call us at the Atrium Insurance Group. Our team at the Atrium Insurance Group understands the value of renter’s coverage and will provide the help you need to select a new plan.

Do You Need Motorhome Insurance All Year Round?

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Find the Right Motorhome Insurance with Atrium Insurance Group in Centennial, CO

If you own a motorhome used primarily for vacation, you might be unsure how much protection it needs when not used. The good news is that you can get the answers you need by collaborating with a trusted insurance agent. If you reside in the Centennial, CO area and are seeking motorhome insurance or have questions about your existing policy, the Atrium Insurance Group is at your service.

Our agents understand the importance of quality coverage and recognize that several motorhome owners use their vehicles for just a few weeks or months each year. However, it’s crucial to remember that insurance policies can offer protection beyond on-road usage. It’s also advisable to maintain coverage for your motorhome during off-road periods or when it’s in storage. Canceling your coverage when you’re not driving could put your motorhome at unnecessary risk.

However, as your motorhome enters storage, you might have options to reduce or adjust your coverage. Discussing this with an agent could help you stay protected while tailoring your coverage based on your specific requirements. Our team can help you understand the right policy choice, how to adapt it over time, and whether altering your coverage is advisable based on how you use your motorhome throughout the year.

Reach out to us at Atrium Insurance Group today, especially if you’re in the Centennial, CO, area and require motorhome insurance. We understand the importance of year-round vehicle protection, regardless of its frequency of use. With suitable insurance coverage, you can enjoy your motorhome anytime with peace of mind.