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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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Will renters insurance cover my roommates items as well?

Renters insurance can provide peace of mind for renters, similar to what a homeowners’ policy provides for homeowners. However, renters insurance differs in that it only provides coverage for the renter’s personal belongings, not the rented structure.  As a result, it’s a good option if you have items you want to protect.  Our team at Atrium Insurance Group is dedicated to helping Centennial, CO renters get the coverage they need. 

What is renters insurance?

Renters insurance is designed to protect your personal property from theft, damage, and vandalism. This protection is extended to renters who rent a home, apartment, or any kind of inhabitable structure. Renters also have liability protection as well as protection from any number of unexpected events that could happen. As a renter, you make monthly payments to keep your insurance current and pay a deductible or file a claim if you experience a loss that is covered by your renter’s insurance policy. The liability protection protects your guests while visiting you in your apartment or rented space. If someone is hurt or experiences property damage while in your space, they can be compensated by your policy. Your policy may also cover lost items as well. 

Will renters insurance cover my roommate’s items as well?

No. Unless your roommate is on your policy, your renter’s insurance will not cover their property. However, if your roommate’s property is damaged due to something involving you, your liability coverage may compensate them. However, your roommate will need to get their own insurance policy to cover their items. Your renter’s insurance policy will not cover your roommate’s personal belongings. If you have questions about renters insurance, call us. We’d be happy to answer all of your questions. 

Seasonal Motorhome Insurance

With the warmer months looming, it’s time to gear up for some joy rides in your motor home. But have you evaluated your insurance policy lately before you kick-start your adventure? At Atrium Insurance Group, we are dedicated to answering your insurance queries and making sure you and your motor home are adequately covered. We proudly serve Centennial, CO, and surrounding regions.

Understanding Seasonal Motorhome Insurance

Seasonal motorhome insurance is essential whether you use your motor home during peak season or off-season. Unlike standard policies, this particular insurance allows you to modify your coverage based on your motor home usage cycle. Both in-season and off-season periods entail varying coverage and costs, and the right policy ensures you don’t overpay during off-peak periods.

Coverage Options: What to Consider

Insurance regulations and coverage options can differ greatly from one state to another. It’s advisable to contact an expert to ensure that your motor home has the right coverage. Options to consider include liability insurance, comprehensive coverage, and seasonal coverage. These coverages can provide peace of mind while on the road with your motor home.

Are You Ready to Embark on an Adventure?

Are you geared up for the adventure of a lifetime? At Atrium Insurance Group, we support your wanderlust. We pledge to equip you with the coverage you need to explore Centennial, CO, and beyond confidently. When planning your next getaway, discussing your seasonal motorhome insurance options is a phone call away. Let our team ensure your motor home is fully protected so you can concentrate on creating unforgettable memories. Reach out to us today.

What is the benefit of getting a RV insurance plan in Colorado?

Embrace Adventure Safely in Centennial, CO with RV Insurance

Living in Centennial, CO provides an excellent opportunity to explore the varied attractions found in the state of Colorado. From scenic mountain towns to bustling cities, there is much to discover. One of the best ways to experience these adventures is by owning an RV. However, navigating these roads in your RV can be even more fulfilling when you have a comprehensive RV insurance plan providing personal protection and helping you meet compliance requirements.

Personal Protection with RV Insurance

RV insurance offers a significant level of personal protection. Insurance for your mobile home secures you the necessary financial aid to repair or replace your RV in case of an unfortunate event. Moreover, an insurance plan also provides liability insurance, ensuring you are covered if you are at fault during an accident or while entertaining guests in your RV.

Compliance with Requirements

Compliance with legal and financial requirements is another critical aspect of having an RV insurance plan. You are legally required to have a reasonable level of insurance for driving on the road. Furthermore, if you’ve financed your RV, maintaining insurance is usually part of the loan agreement. Ensuring a suitable insurance plan will help you abide by such terms, bringing peace of mind.

When in Centennial, CO, consult a trustworthy advisor to craft an RV insurance policy that meets your needs. For expert guidance, contact our team at the Atrium Insurance Group. We are dedicated to providing tailored solutions that fully protect you and your RV.

Need Motorcycle Insurance? Three Important Things to Know

When you own a motorcycle, it’s essential to get motorcycle insurance. If this is your first motorcycle, you may have questions about how motorcycle insurance works and how it can benefit you. The professionals at Atrium Insurance Group serving Centennial, CO are here to provide you with answers to those questions. Below are three essential things you should know about motorcycle insurance. 

1. Liability coverage is a requirement.

In the state of Colorado, drivers are required to have a liability coverage policy for their motorcycle. Whether or not you feel it’s necessary, you’ll need this type of policy to drive on the roads. Shop around for insurance before buying your motorcycle so you can be ready to drive your bike off the lot when you find the right type of vehicle for you. 

2. Collision insurance coverage for physical damage to your motorcycle.

If you’re in an accident with your motorcycle, your motorcycle could become significantly damaged. Collision insurance helps repair your motorcycle if you’re found at fault for an accident that causes damage to your vehicle. Hopefully, you’ll never have an accident, but if you do, this type of insurance can help make the recovery easier and less stressful. 

3. Add-ons like roadside assistance can offer peace of mind.

Motorcycle insurance offers add-ons like roadside assistance, which can help you get back home if your motorcycle breaks down somewhere on the road. You can’t control when breakdowns will occur, but you can help make them less stressful when they happen by adding roadside assistance to your motorcycle insurance policy. 

Have more questions about insurance for your motorcycle in Colorado? Contact Atrium Insurance Group serving Centennial, CO, to learn more. 

Boat Policy Add-ons to Make Sure You’re Totally Covered

Before your road trip from Centennial, CO, to a nearby or far-flung body of water for a boating excursion, have your Atrium Insurance Group agent review your boat policy with you. Your excursion might trigger the need for an add-on to your policy.

Five Most Common Boat Policy Add-ons

Boat policies offer common add-ons that enhance the protection enjoyed by the policyholder. The five most common include:

  • Scheduled or specialized coverage for expensive equipment like radar, GPS, computers
  • Salvage cost coverage to pay for the recovery of a sunken or stranded vessel
  • Consequential damage coverage to pay for major damage or total loss when a part, such as the bellows, fails
  • Towing coverage to pay for towing a disabled boat to dock
  • International cruising coverage provides liability coverage in international waters.

The typical boat policy features liability coverage and property damage coverage, but adding to it protects your watercraft investment.

Adding Other Watercraft

Your boat insurance policy can also cover other watercraft, such as your Seadoo, jet ski, etc. One policy can include many watercraft of various sizes and styles. Please list all the equipment you use with your boat and the other watercraft you own and provide it to your insurance agent. Your agent can add these items to your policy at a low premium cost.

Contact Atrium Insurance Group Today

Don’t embark on your next boating adventure without proper insurance coverage—Contact Atrium Insurance Group to schedule an insurance review and update your policy to cover your expedition fully. We’re happy to help the residents of Centennial, CO, better protect their watercraft investments, so phone us today.

Details to Pay Attention to On Your Umbrella Insurance Policy

Have you been shopping for umbrella insurance but aren’t sure what to look for on your policy? We can help you manage that understandable confusion at Atrium Insurance Group. Our team can help Centennial, CO businesses understand their policy and its unique coverage and scope.

Liability Limits 

A high-quality umbrella insurance policy will extend your liability coverage beyond your initial policy, sometimes by extensive amounts. That can help you if you get into a lawsuit or if you have to pay for someone’s medical therapy or repair charges. However, even large umbrella policies have limits, as extensive as they might seem. As a result, you must pay attention to these levels to get the coverage you deserve.


Every insurance policy has multiple copays that affect your policy and its quality. For example, you have to pay not only your premium but any specific costs towards your liability. These may include a specific minimum payment you have to reach before your policy kicks into play. Thankfully, umbrella policies cover such a high amount of money that they’re more than worth buying.

Limitations on Coverage 

While an umbrella policy is an extensive and high-value addition to your liability, there are certain limitations to consider. For example, most won’t cover illegal or deliberate acts that might affect your liability. This may include purposefully damaging your facility to get paid. However, other limitations may consist of specific types of protected individuals, so read your coverage carefully.

Finding a Smart Policy

Our team at Atrium Insurance Group can help Centennial, CO, business owners find strong umbrella insurance policies. Please don’t hesitate to contact us today to learn more. With our help, you can work through your insurance purchasing process and get the policy that makes sense for your needs.

What is Not Covered by Renter’s Insurance?

Renters coverage refers to a type of insurance policy that provides renters or tenants with coverage for various defined perils and potential liabilities. If you rent in the greater Centennial, CO community, contact the insurance professionals at Atrium Insurance Group to learn about how a renters insurance policy can help protect you, your family, and your assets.

Note that not every circumstance is covered by a renter’s insurance policy.

Examples include the following:

High-Value Items

While one’s personal belongings are typically covered by a renter’s policy, it is highly likely that there will be policy limits regarding expensive items – artwork, jewelry, etc. Note that a rider can be included to cover these high-value items.

Damage Caused By Certain Perils

Renter’s insurance typically covers fire, vandalism, theft, and specific weather events. However, it doesn’t usually provide coverage for –

  • Floods
  • Earthquakes, and
  • Hurricane damage. Additional coverage can be purchased to cover these types of perils.

The Damage was Intentional or Caused by Illegal Actions

Intentional or illegal damage is typically excluded from a renter’s policy coverage.

Certain Personal Property

Certain insurance policies designed to protect renters may set forth specific exclusions regarding personal property. Note that a separate insurance policy can be purchased to cover boats, other watercraft, pets, and more.  

Certain Liabilities

Personal liability coverage is typically part of a renter’s policy, although it is noted that certain exclusions may exist regarding liabilities related to professional services, specific dog breeds, etc.

Contact a Leading Insurance Company Today

As with any insurance, it’s essential to have a full understanding of the renter’s policy’s terms, conditions, and exclusions. Contact the licensed professionals at Atrium Insurance Group in Centennial, CO for more information. We look forward to serving your insurance needs.

Roaming with Confidence: Your Guide to Motorhome Insurance

Motorhome insurance is not always as simple as it may look. There are a number of variables that have to be worked out before a final decision can be made. Without access to experienced companies like Atrium Insurance Group in Centennial, CO, motorhome owners may experience more difficulties than necessary. That’s why we have prepared this handy guide that is sure to help motorists make sense of it all.

Travel Trailer Insurance

So you’ve purchased your motorhome and are zeroing in on a potential insurance policy. Everything seems to be taken care of, right? Not so fast! If you have a travel trailer, this is something that you will need to discuss with our professionals. If you want to make sure that your motorhome is covered even when it is not in motion, be sure to ask about the importance of travel trailer insurance.

Emergency Expenses

If you are planning on living in the motorhome full-time, this is another key area of discussion. If damages occur that cause you to have to vacate the motorhome for an extended period of time, you could left on the hook for all of them. Ask about policies that provide reimbursement in these instances.

Storage Concerns

This is another area that is commonly forgotten. What happens if the motorhome experiences any damage while it is in storage? This aspect of a policy is especially important to anyone who is going to be storing their motorhome for any extended period.

Schedule A Consultation Today

Do you have any additional questions or concerns that need to be addressed? If so, take a moment to speak with the professionals at Atrium Insurance Group in Centennial, CO. Our team takes pride in aligning our clientele with the best policies for their needs. Give us a call or stop by as soon as you would like to learn more!

I Rented an RV. Now What?

So you think the RV life might be fun, but only for a short vacation. You can always rent an RV, go on a little out-of-town adventure, and skip the trouble of finding a hotel room. However, you may want to seriously think about getting rental insurance on your temporary RV, just in case. In fact, you may have to. Atrium Insurance Group serving the Centennial, CO metroplex is here to assist. 

It’s the Law

If it has a steering wheel and a motor, every state that mandates private passenger car insurance will require you to get an RV insured, even if temporarily. That means Colorado where a policy is required to include bodily injury and property damage coverage; also known as liability insurance. When it’s legally required, that makes a decision whether to get something rather easy! 

Requirements for RV Insurance

Many companies won’t rent an RV to someone under 25, so maybe save this adventure for later in life. And what exactly is your driving record? That will have a big impact on your insurance premiums. Now take a good assessment of the RV itself. How old is it? What class and size is it? What is the overall value of this RV? All of this and more will affect the kind of insurance you need. Assess your personal needs as well. Standard RV coverage will cover comprehensive, collision, personal property, medical, liability, and uninsured motorists. If you go for optional RV coverage, you may get coverage for roadside assistance, personal attachments and/or full replacement costs. 

Schedule A Consultation Today!

Colorful Colorado is home to magnificent mountains and rustic rivers, the perfect place for an RV vacation. Atrium Insurance Group serves the greater Centennial, CO community and we are committed to giving you quality customer service. 

4 Tips To Get The Most From Your Motorcycle Insurance

If you’re interested in riding your motorcycle but want to make sure you’re as protected as possible, having a good motorcycle insurance policy is the right choice. Atrium Insurance Group is here to help if you’re located in or near the Centennial, CO area.

We understand that motorcycles can be a lot of fun, especially in warm weather, but we also know you can have a lot more peace of mind on one when you choose the right type and level of coverage to protect you as much as possible. Here’s what to consider, so you can get the most value and security from your motorcycle policy.

Getting The Most From Your Motorcycle Insurance

1. Make sure you understand the value and coverage level of the policy you’re getting so you know exactly what it protects.

2. Work with an agent you can trust to show you policies from multiple companies and help you choose the right one for your needs.

3. Review your policy with your agent on at least a yearly basis, so you can make any needed changes and keep yourself protected.

4. Find a policy that’s from a trusted insurer, so you can feel confident they’ll be there for you if you need them.

While the basics of most motorcycle policies are the same, there’s a lot more to consider than just minimum coverage. There are plenty of additional options, and finding the best ones for you matters.

Reach Out To Us

Working with our agents at Atrium Insurance Group is the right choice for quality motorcycle insurance that keeps you protected. If you’re in the Centennial ,CO area, reach out to us today, and let’s talk about the different options you have. Finding the right policy starts with knowing what to choose from, and we want to make that easier for you, both now and in the future.

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