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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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Important Tips When Looking for Motor Home Insurance in Colorado

A motor home or RV is significantly different from a traditional car, which is why it has its class of insurance. This insurance offers additional coverage to ensure having a motor home in Centennial, CO is the exciting experience it is meant to be.

Here is a guide to help you insure your RV so you can hit the open road safely. Atrium Insurance Group can help you navigate important coverage for your vehicle. 

What Kind of Motor Home Insurance Is Required in Colorado?

In Colorado, RV owners are required to have at least liability insurance coverage. This insurance should cover the costs that result from third-party property damage or injuries caused to other people during RV use. You are allowed to add your RV to your auto insurance policy, but you will not have sufficient coverage. For instance, should your RV catch fire as you are cooking, auto insurance will not cover the cost of repairs.

The right level of coverage will vary depending on the size and type of motorhome you have and how you use it. Are you a road veteran or a holiday camper, and what additional items do you have in it (antenna, awnings)? A class B RV insurance is the best option if your motorhome is fully outfitted. It will cover everything, from an accident to the risks of vandalism and theft.

Different insurance companies define motor homes differently. Some will classify a van with sleeping and cooking amenities as a camper, while others will require that it has running water, power, and a toilet for it to be classified as a motor home.

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Motorhome insurance is a valuable asset for helping you enjoy your road adventures. Give us a call at Atrium Insurance Group in Centennial, CO to learn more about this coverage and available options.

Is There A Way To Insure My RV For Full Time Travel?

It’s no secret that RVing is becoming more and more popular every year. More and more people are choosing to travel full-time in their RVs, and for good reason – it’s a great way to see the country!

However, one question that often comes up is whether or not it’s possible to insure an RV for full-time travel. The answer is yes, it is possible, but there are a few things you need to know about RV insurance before you hit the road. Atrium Insurance Group in Centennial, CO can help you navigate this important coverage. Here, we discuss everything you need to know about RV insurance for full-time travelers!

Can I Insure My RV for Full-Time Travel?

The short answer is yes. You can insure your RV for full-time travel with Atrium Insurance Group in Centennial CO. That said, there are a few things you need to keep in mind when it comes to RV insurance. First of all, it’s quite different from part-time RV insurance.

Part-time RV insurance is typically less expensive because you’re only using your RV for a few months out of the year. On the other hand, full-time RV insurance is more like a homeowners policy – it covers your RV for 12 months out of the year, no matter where you are in the country.

What Does Full-Time RV Insurance Cover?

Full-time RV insurance covers your RV just like a homeowners policy would cover your house. This means that it will protect your RV from things like fire, theft, and vandalism. It will also cover any damages that you may cause to other people or property while you are driving your RV.

In addition, most full-time RV insurance policies will also provide some coverage for your personal belongings. This is important to remember, as many people don’t realize that their homeowner’s insurance policy likely does not cover their belongings if they are damaged while in their RV.

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Full-time RVing is a great way to see the country, but it’s important to ensure you have the right insurance coverage before you hit the road. At Atrium Insurance Group in Centennial, CO, we can help you find the perfect RV insurance policy for your needs. We have years of experience insuring RVs, and we would be happy to help you find the coverage you need to travel with peace of mind.

What Does Motorcycle Insurance Cover?

Motorcycle insurance covers the expense of replacing or repairing your motorcycle in the case of an accident. It also covers medical bills resulting from an accident, as well as costs associated with a legal defense if you are charged with a crime due to an accident. 

Most policies also offer some level of liability coverage, which will help cover the costs associated with injuries or other damages incurred by others due to an accident. Consult with our agents at Atrium Insurance Group in Centennial, CO for expert insurance advice.

Motorcycle Insurance Coverage: What You Need To Know 

Motorcycle insurance does not cover any damages to your bike if it is stolen. It also does not cover the value of any stolen items that were in your bike. Most insurance companies require that you have liability coverage. In the case of a collision, this shields the safety of the other drivers. It also has a minimum amount of coverage you must have for your bike. 

Motorcycle insurance can cover a variety of things, including liability, medical coverage, physical damage, and rider profile. Most policies have a limit on the amount of coverage available for a single incident, so it’s important to read your policy and know what the limits of your coverage are. 

However, many policies will not cover any accidents that happen while the policyholder is intoxicated. Almost all policies will not cover intentional acts. This means that if you cause an accident on purpose or maliciously, you won’t be covered by your policy. 

If you leave your motorcycle and cause an accident, your policy will not cover that accident. Most policies will also offer some degree of coverage for personal assets that you keep on the motorcycle, like saddlebags or a travel trunk. 

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Motorcycle insurance is designed to protect you, the rider, and other motorists if you are involved in an accident. Atrium Insurance Group in Centennial, CO is here to provide you with expert insurance advice.

Avoid These Common Watercraft Hauling Mistakes

If you have ever had the experience of picking up your boat only to find it missing a propeller or suffering other damage, likely, your hauling was not up to par. This not only impacts your boat’s appearance but also can have an impact on its performance and its value. Atrium Insurance Group knows how much Centennia, CO folks love their boats and other personal watercraft.

Let us help you avoid these common watercraft hauling mistakes:

1. Not practicing your hauling techniques.

Whether you’re a seasoned boater or a newbie, practicing your hauling is essential. The pros recommend using a large parking lot or another open area to make an obstacle course. Practice making turns of varying degrees and reversing too. Even if you’ve had experience hauling before, it’s always a good idea to brush up on your skills.

2. Not meeting state regulations.

Virtually every state has some law governing watercraft trailers. As a mandatory boat inspection state, Colorado law requires that all boats and motorized watercraft be inspected by state-certified personnel for these reasons:

  • After launching into the waters of another state, before launching into Colorado waters.
  • After leaving Colorado waters that contain invasive species.
  • At any time, an inspection is requested by state authorities.

According to the American Boating Association, trailers in Colorado cannot exceed 35 feet in length, 8 feet 6 inches in width, and be no taller than 13 feet. Trailers over 3,000 pounds must have a separate brake.

3. Not performing a safety inspection.

Before driving with a trailer, it’s essential to check the trailer for any signs of damage or wear. Make sure your connections are secure, and you are not high-balled on the hitch. When in doubt, don’t drive out.

Even when you do your best to stay safe, accidents can happen. Let Atrium Insurance Group in Centennial, CO help you protect your trailer and your investment.

Why Do You Need Umbrella Insurance?

Umbrella insurance is used to give you extra protection. It goes above and beyond your typical insurance, whether it is your home, auto, or business insurance. 

So, why would you need the extra coverage? Atrium Insurance Group in Centennial, CO provides this guide on navigating the extra protection you may need for your home, business, or vehicle. 

Here are some reasons why you need umbrella insurance:

You own some expensive collections

This may be a piece of jewelry that is worth a lot of money, though it can also be expensive art or something else that would be quite expensive to replace. 

You own a trampoline or swimming pool, which could lead to serious injuries

You are going to want extra liability to help you cover any injuries that may occur with them. 

You may even want some extra coverage if you have a dog

If your dog bites or hurts someone, you could be held liable, so you may want to look into getting extra coverage. 

If you are active and do some sports that are considered dangerous, you may want to consider extra coverage

Many people whose hobbies can cause them injury or death should consider getting umbrella insurance.

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Your insurance policy is likely to have a maximum that they will pay. If you have a piece of jewelry (or multiple pieces), you are going to need extra coverage in order to replace them. You also should consider extra liability insurance if someone could get hurt on your property, whether that is from playing on the trampoline or playing with the dog. It can also help if you are involved in dangerous sports. You don’t want to leave your family high and dry if something happens to you! 

If you want to make sure that you are fully protected, don’t hesitate to contact us today at Atrium Insurance Group in Centennial, CO. 

Why Renters Insurance is a Must

Whether you are renting a home, an apartment, a condo, or anything else in between, you’ll want to have a renter’s insurance policy to protect your personal belongings. Your landlord may even require that you have a renter’s insurance policy before turning over the keys of the unit to you. Contrary to public opinion, your landlord’s insurance policy will pay for damage to the actual unit itself, such as the foundation, the roof, and their personal belongings inside it, but it will not cover anything that you own, nor will it provide liability protection. 

While many renters choose not to purchase insurance because they feel it is too expensive, the reality is that it is likely to be significantly cheaper than your rent. If you were to add up all your personal belongings to include electronics, clothing, furniture, and more, it is highly likely that the total figure will be far higher than you could expect. Failing to have renter’s insurance means that you’ll be on the hook for replacement if your belongings are damaged in an incident. With renter’s insurance, you’ll have coverage to repair or purchase new items at no or little cost to you. Additionally, if a visitor or friend slips and falls while at your rental, your renter’s insurance coverage will help pay for their medical bills and any other fees in the event that you are sued. 

At the Atrium Insurance Group in Centennial, CO, we can help you understand the pros and cons of renter’s insurance so that you make an informed decision. We’re sure that you’ll agree with us when we say that renter’s insurance is a must for Colorado residents. Give us a call today to learn more! 


Basic Motorhome Insurance Facts To Learn About

Atrium Insurance Group serves the Centennial, CO community and the surrounding areas. For over 20 years, we have helped our clients find policies that align with their individual needs. We recognize that every client has a different situation. We help our clients find custom policies to protect them in every situation.

Basic Motorhome Insurance Facts To Learn About

Many Centennial, CO residents enjoy traveling around the city in their motorhomes. Perhaps you are planning your next adventure. Motorhome insurance gives you a safety net as you explore the region. Motorhome insurance covers you if the vehicle is damaged in a collision with another object. If you are planning to go camping, comprehensive coverage is recommended. Comprehensive coverage protects you if your motorhome is vandalized or stolen. All of your personal items inside the motorhome are covered if something happens. Comprehensive coverage also covers your motorhome against possible damages due to severe weather or an accidental fire. You are also covered if your motorhome suffers damage due to an impact with a deer or another type of large animal. Liability coverage is another significant part of your policy. You are covered if your motorhome causes property damage or accidentally injures someone. If you have passengers traveling with you, liability coverage protects you if they suffer an injury.  

You have the option to amend your policy and add emergency coverage. Perhaps you are traveling out of the state, and your engine starts having trouble. You will receive urgent roadside assistance, including towing service if necessary. If you aren’t planning to use your motorhome for a few months, adding storage coverage ensures that it will be protected if a disaster occurs.

Atrium Insurance Group Will Help You Protect Your Assets

Contact our office to learn more information about motorhome insurance.

How Does RV Insurance Work?

RV insurance protects you if you cause damages or injuries to another party. It may also cover the cost of damages to your vehicle as well. Depending on the way you use your RV, there are several coverage types you may want to include in your policy. It also depends on the type of RV you own. For example, coverage for a motorhome that you drive will be different than that for a travel trailer that you pull behind your vehicle.

There are three different types of vehicles that can be covered by RV insurance, including:

  • Motorhomes, Class A, B, and C
  • Travel trailers, both fifth-wheel and conventional
  • Truck campers and pop-up campers

Is RV Insurance Required in Colorado?

RV liability insurance is required in all states, including Colorado. The state of Colorado also requires uninsured and underinsured motorist coverage for a number of conditions, including:

  • When you purchase an RV
  • If you live full-time in the RV
  • You use a rental RV for vacation
  • You use the RV part-time

Your homeowners’ insurance policy or your auto insurance policy is not enough to cover your RV. Instead, you need to purchase a separate RV insurance plan through a trusted provider in Centennial, CO, such as Atrium Insurance Group.

How Does Coverage Work?

If you damage your RV, cause injury to someone, or damage someone’s property, you simply have to file an insurance claim with your provider. Depending on the incident, your policy will cover the cost of loss or injury up to the limits of your policy.

Traditional auto insurance and RV insurance are not one and the same. When purchasing your RV insurance, you will need to notify the agent how you plan to use your RV as well as answer a few questions. Together, you can choose a policy that works best for you. Available coverage types include collision, comprehensive, liability, towing, and uninsured/underinsured motorist insurance.

Atrium Insurance Group is available to answer all of your RV insurance questions if you reside in Centennial, CO. Give us a call today.

Extra Coverage That Motorcycle Riders Can Add To Their Policy

Atrium Insurance Group offers coverage to the Centennial, CO community. We strive to make sure that our clients are covered when disaster strikes. We offer flexible policies that are designed to fit our client’s individual needs. We work closely with several carriers throughout the state. This allows us to offer our clients multiple options before they make a decision. We look forward to helping you protect what matters most.

Extra Coverage That Motorcycle Riders Can Add To Their Policy

There are multiple risks involved with operating a motorcycle. That’s why motorcycle insurance is an asset. You are covered as you travel around Centennial, CO and beyond. Collision coverage protects you if your motorcycle is involved in an accident with another vehicle or object. Collision coverage will take care of any damages. Liability coverage protects you if you are ruled to be responsible for causing property damage or injuring someone. Liability coverage will assist with the potential damages. Comprehensive coverage protects you if your motorcycle is stolen. The policy also covers you if your motorcycle is vandalized or damaged due to severe weather. You can modify your policy to add extra coverage if you choose.

Uninsured motorist coverage is a common addition to motorcycle policies. The coverage protects you if your motorcycle suffers damage in a collision with someone who does not have insurance. Urgent roadside assistance is another common add-on. If you are traveling out of town and your motorcycle won’t start, you can receive urgent service to come to assess the problem. If you park your motorcycle in a storage unit during the winter and other parts of the year, you can add storage coverage. Storage coverage protects your motorcycle if something happens to it at the facility.

Atrium Insurance Group Will Help You Cover Your Assets

Visit our website to learn more information about motorcycle insurance

Boat Insurance Coverage Options

If you are a boat owner, there are several ways you will want to protect your boat. One of the best ways to provide protection for your prized possession is through boat insurance. The agents at Atrium Insurance Group in Centennial, CO are explaining the details about boat insurance.

Is Boat Insurance Required in Colorado?

Boat insurance is not required in Colorado unless you borrowed the money you used to purchase your boat from a bank or other lender that may require you to have a policy in place. Even though it is not required, boat insurance is still an important policy to have to protect the investment you have made in your boat or other watercraft, including jet skis. There are several different types of coverage you can secure for your boat.

Liability Boat Insurance

Liability boat insurance will help pay for any medical bills that are in curd by anyone who is injured in a boating accident that is considered to be your fault. This type of coverage will also pay for any property that you cause.

Comprehensive Insurance

Comprehensive boat insurance coverage is the type of coverage did a lender may require you to have since it protects your boat if it is damaged or destroyed by a natural disaster, a fire, or vandalism. This insurance will also help you replace your boat if it is stolen.

Collision Insurance

Collision insurance will pay for damages that are caused if you collide with another boat or an object.

An experienced boat insurance agent can assist you in determining which types of boat insurance coverage you need for your situation. Contact the agents at Atrium Insurance Group in Centennial, CO today to get your policy started.

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