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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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Does Renters Insurance Cover Theft?

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If you live in an apartment, one type of insurance coverage you should consider is renters insurance. Renters insurance provides help to apartment renters when they experience covered disasters like a fire or theft.

If you think you need renters insurance, the professionals at Atrium Insurance Group, serving Centennial, CO, can help. Call to speak with one of our insurance experts and learn more about what renters insurance can do for you.  

Does Renters Insurance Cover Theft?

What renters insurance covers varies by policy, but it typically covers theft. This means that if you have renters insurance and your home is burglarized, your rpolicy will pay to replace what is damaged or stolen, minus the deductible. To find out whether your insurance policy covers theft, contact your insurance agent. 

If You’ve Been Robbed, Should You File a Claim?

If you’ve been robbed, filing a claim with your renter’s insurance policy may help reduce the burden of recovery after the burglary. When you file a claim with your insurance company, the insurance company may have you fill out a form or produce the police report (or both).

Each insurance company has its own processes. Your insurance agent at Atrium Insurance Group, serving Centennial, CO, will help you with this.

While the claim is happening, you may need to produce documentation about what is missing. When you buy replacement items, you will need to give the insurance company a receipt so you can seek reimbursement.  

How Should You File a Claim With Your Renters Insurance?

If you need to file a claim with your renters insurance, start by contacting Atrium Insurance Group. Our insurance experts are here to help. 

Will Motorhome Insurance Work In Another State?

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Taking your motorhome on vacation is an exciting way to explore the country, enjoying the freedom of traveling with your home on wheels. However, it’s crucial to ensure you have the proper insurance coverage, especially if you plan to cross state lines.

Nationwide Coverage

Most motorhome insurance policies offer nationwide coverage, meaning your insurance will travel with you wherever you go, even across state borders. Many policies in Centennial, CO, automatically adjust to meet state minimum requirements if they differ from your home state. For example, no-fault states often require Personal Injury Protection (PIP), which may not be included in your home state’s policy. Nationwide policies can adjust to include PIP or higher bodily injury limits, ensuring you meet state standards and avoid penalties like license suspension.

Additional Coverage

Motorhome owners with additional coverage can typically enjoy the same protection outside of their home state. Collision and comprehensive coverage, as well as add-ons like roadside assistance, remain active when you have a national policy. These levels of coverage provide peace of mind as you travel across the country.

Policy Variations

It’s important to note that not all insurance companies offer the same level of flexibility. While many adjust coverage to ensure your motorhome insurance works nationwide, some do not. For instance, certain policies may not automatically include PIP when traveling to a new state. To avoid surprises, speak with an agent at Atrium Insurance Group to understand the specifics of your policy.

Professional representatives at Atrium Insurance Group can help you determine whether you have a national policy, identify exclusions to be aware of while traveling, and more. Contact us today to learn more. We’re currently serving the Centennial, CO, area.

How RV Insurance Differs From Auto Insurance and Why It Matters

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When you’re planning your next big road trip, one of the most important things to consider is how to protect your vehicle, and not just any vehicle, but your home on wheels. At Atrium Insurance Group, serving Centennial, CO, we often talk with RV owners who are surprised to learn that RV insurance and auto insurance aren’t quite the same. Understanding the difference can help you make smarter choices about coverage and avoid costly surprises down the road.

Your RV Is More Than Just a Car

Unlike a regular car, an RV doubles as a living space. That means it needs protection for more than just fender benders. RV insurance often includes additional coverage for personal belongings, appliances, and even attached accessories like awnings or satellite dishes. It’s like combining home and auto insurance into one plan, because you’re not just driving, you’re living in it.

Liability Looks a Little Different

Auto insurance covers liability when you’re behind the wheel. But with an RV, liability doesn’t stop when you park. If someone gets injured inside your RV while it’s being used as a temporary home, you’ll want a policy that covers those situations too. This type of coverage is unique to RV insurance and not typically included in auto policies.

Seasonal Use Can Save You Money

Most people don’t drive their RVs year-round. RV insurance can be adjusted for how often you use your vehicle, offering potential savings during off-seasons when it’s in storage. Auto insurance, on the other hand, assumes regular use throughout the year.

Whether you’re a weekend explorer or a full-time traveler, your RV deserves specialized protection. Call Atrium Insurance Group, Centennial, CO, today to learn more about customizing a policy that fits your lifestyle.

Does Motorcycle Insurance Cover Passengers?

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If you enjoy hitting the open road with a friend on the back of your bike, you’ve probably wondered—does your motorcycle insurance cover passengers? It’s a common question, and at Atrium Insurance Group in Centennial, CO, we hear it all the time. The answer isn’t always straightforward, but understanding what your policy includes can make a big difference in how protected you and your passenger really are.

Understanding Basic Coverage

Most standard motorcycle insurance policies include liability coverage, which helps pay for injuries or damage you cause to others in an accident. However, this coverage doesn’t always extend to passengers. In fact, some basic policies specifically exclude passenger coverage unless it’s added as an optional feature. That’s why it’s essential to review your policy carefully or speak with your insurance agent to clarify your coverage.

Adding Guest Passenger Coverage

If your policy doesn’t automatically cover passengers, you can typically add “guest passenger liability” coverage. This addition helps protect your passenger if they’re injured while riding with you, covering medical expenses or even legal costs if your passenger decides to file a claim. It’s a small investment that provides significant peace of mind, especially if you frequently ride with others.

Ride with Confidence

Carrying a passenger should be enjoyable, not stressful. The right insurance coverage ensures you and your passenger are protected. If you’re unsure about what your current policy covers or if you’re looking for better protection, Atrium Insurance Group in Centennial, CO is here to help. Contact us today to make sure you’re both covered for every ride.

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.