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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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Category: Boat/Watercraft Insurance

Insurance Implications of DIY Boat Repairs

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Many boat owners enjoy handling maintenance projects on their own. Routine upkeep and minor repairs can be a rewarding part of ownership, but larger do-it-yourself projects may have implications beyond the work itself. At Atrium Insurance Group, we encourage boat owners in Centennial, CO to understand how modifications and repairs can relate to their boat/watercraft insurance.

Colorado Regulations and Safe Operation

Colorado requires most motorized boats and sailboats to be registered before they are used on public waters. In addition, operators must follow state boating safety regulations designed to help keep waterways safe. If repairs affect the operation or condition of a boat or watercraft, it is important to ensure the vessel continues to meet all applicable requirements before returning to the water.

Why Documentation Matters

Keeping records of maintenance and repair work can be a smart habit for any boat owner. Documenting updates, replacement parts, and service dates helps create a clear history of the vessel and may be useful when discussing insurance matters. It can also help demonstrate that regular care and attention have been given to the boat over time.

Review Your Insurance After Major Changes

Significant repairs or modifications can change the way a boat or watercraft is used or maintained. Periodically reviewing your insurance information helps ensure that your policy accurately reflects your current situation and allows you to address questions before they become concerns.

At Atrium Insurance Group, we are proud to serve Centennial, CO and help local boat owners better understand their insurance options. If you have questions about DIY repairs or your boat/watercraft insurance, contact us today. We are always happy to help you make informed decisions.

Is it Illegal To Take to the Water Without Boat Insurance?

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The average boat owner hits the water without a second thought. Local lakes and rivers are spacious and inviting, unlike congested and relatively dangerous roads. 

However, if you are like most boat owners, you’ve likely wondered if there is a legal requirement to have boat insurance. Atrium Insurance Group, serving the Centennial, CO area, has the answer.

Boat Insurance Requirements in Colorado

Colorado does not have a law on the books that mandates boat insurance. If you are a recreational boater heading out to local lakes or rivers, you can do so without insurance.

However, if you do not own your boat outright, your insurance company might require that you obtain insurance. The insurance company’s motive for an insurance mandate is that it provides financial protection for their loan in the event of a boat/watercraft crash, leak or damage.

Other Instances When Boat Insurance Is Necessary

Aside from financing, boats might also require insurance if stored at a Colorado marina. The bottom line is storing boats in public places, including marinas, presents an element of danger. Insurance safeguards the vessel against vandalism, damage, theft, leaks and more.

Boat financiers and marinas tend to require boat insurance in the form of liability coverage that safeguards against damage and injuries. Lenders and marinas also tend to require hull coverage to protect boats against potentially costly boat/watercraft physical damage.

Fail to obtain boat insurance and you might be on the hook for the cost of repairs or possibly even full replacement after an unfortunate vent. The silver lining is that boat insurance is surprisingly affordable, often costing half or less the annual sum of automobile insurance.

Get Your Quote From Atrium Insurance Group 

Are you thinking about getting a boat or already bought one? If so, give us a call today for your personalized quote. We serve the entirety of Centennial, CO and surrounding areas.

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.

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!

What Does Boat Insurance Cover?

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If boating is one of your pastimes, it’s crucial to consider boat insurance. However, you might be unsure about what boat insurance covers precisely. We provide boat insurance coverage at the Atrium Insurance Group in Centennial, CO.

Property Coverage

Property coverage is essentially an investment protection for your boat. Should your boat sustain damage or total loss, this coverage will foot the bill to repair or replace it. If you have a lien on your boat, you will likely be required to have this coverage. However, even boat owners without a loan should consider it, especially if they can’t afford a replacement.

Liability Coverage

Liability coverage isn’t mandated by law in Colorado. That being said, if you intend to use a marina, they may require you to have liability coverage. It’s a sound move because liability coverage will account for the damages if your boat causes damage to somebody else’s boat or property.

Medical Payments Coverage

Should you or a passenger be injured in a boating accident, medical payment coverage will cover the expenses.

Uninsured Watercraft Coverage

We highly recommend uninsured watercraft coverage as well. If someone else is responsible for an accident that damages your boat and they do not have liability insurance to cover the cost, uninsured watercraft coverage will cover the cost of repairing or replacing your boat.

Clean Up Coverage

Certain policies will also cover the costs associated with cleaning up a fuel spill or salvaging your boat from the water. These costs can quickly escalate if your boat is totaled.

Coverage for Equipment and Accessories

You can choose optional coverage, including items like your boat trailer and fishing equipment. That way, you’re fully protected in the event of an accident or malfunction.

Boat Insurance Coverage at Atrium Insurance Group

Contact us at the Atrium Insurance Group if you need boat insurance in Centennial, CO. Our adept agents will discuss your needs and guide you in selecting the most suitable policy for your situation.

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

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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.

Essential gear to keep on your boat

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When it comes to boating here in the Centennial, CO area, having the right gear on hand is essential. From life jackets to anchors and even flares, there are certain items every boat should be equipped with in order to ensure a safe and successful day on the water. Here’s a look from us at Atrium Insurance Group at some of the most important items of boat equipment that you should always keep onboard.

Essential gear to keep on your boat

Life Jackets:

Everyone who goes out on the boat needs to wear a life jacket at all times. Make sure your boat has enough life jackets for everyone and that they are properly fitted. 

Anchor:

An anchor is necessary for safely docking or mooring your boat. It will keep your vessel from drifting away while out in open waters. 

Fire Extinguisher:

A fire extinguisher is an absolute must-have for any boat – it may save lives if a fire breaks out onboard. Keep one nearby in an easily accessible place. 

Flares:

Flares are safety signals used in case of an emergency or distress situation. Make sure you have sufficient flares on board so that they can be used when needed. 

First Aid Kit:

A first aid kit should always be kept on board in case someone gets injured while out on the water. It’s best to include items like bandages, gauze, antiseptic cream, burn ointment, and more in this kit. 

Binoculars:

Having binoculars onboard can help you spot objects both close by and far away in order to ensure a safer navigation experience. 

Keep Your Boat Insurance Updated

No matter where your next voyage takes you, make sure you’ve got all these essential pieces of gear readily available. For more tips and for your insurance coverage, call us at Atrium Insurance Group. We are proud to serve the Centennial, CO area.

Am I required to carry boat insurance?

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Boat insurance, like auto or homeowners’ insurance, provides protection from many unforeseen situations. However, it may not be a legal requirement in many states, unlike auto and homeowners’ insurance. Our Atrium Insurance Group, serving the greater Centennial, CO community, is dedicated to helping boat owners understand what’s required as well as explore their coverage options.

What is Boat Insurance?

Boat insurance, similar to car insurance, provides liability protection as well as financial coverage for damage to your watercraft or your boat. Boat insurance can provide liability protection, property damage, and coverage for damage in the event of a boating accident. You can insure your personal watercraft, sailboat, or boat. Boat insurance will even cover theft and natural disasters.

You can get boat insurance for the actual cash value of your boat or the agreed value. If you opt to get boat insurance for the agreed value of your boat, your policy will be based on the value of your boat at the time of coverage. A cash value boat policy assesses the value of your boat at the time of an accident. Your compensation will be based on the actual value of your boat. 

Is Boat Insurance a Requirement in Colorado?

Boat insurance isn’t a legal requirement in the state of Colorado. In fact, it’s not legally required in many states. However, you may still be required to carry boat insurance if you are financing your boat. Your lender will likely require you to carry boat insurance until your boat is paid off.

Also, boat insurance may be a requirement for certain marinas to dock and use their marinas. Often, third-party boat insurance coverage is a requirement of marinas.

Contact Us Today

If you have questions about boat insurance and feel you might benefit, call us at Atrium Insurance Group in Centennial, CO. We’d be happy to answer your questions. 

Avoid These Common Watercraft Hauling Mistakes

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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.

Boat Insurance Coverage Options

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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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