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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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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.

Essential gear to keep on your boat

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. 


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 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. 


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.

How Do Umbrella Insurance Claims Work?

Living in Centennial, CO, most people are just trying to make the best of every day. Unfortunately, bad things sometimes happen, and those bad things can come with additional issues, like liability claims.

If you are on the hook for liability damages, or if you think you’re at risk of liability damages, you want to get your insurance involved. At Atrium Insurance Group, we see these scenarios a lot, so we’ve made this guide to help you understand how an umbrella insurance claim works.

How Do Umbrella Insurance Claims Work?

Notify Your Provider

When you make an umbrella insurance claim, it starts with notifying your insurance provider. As soon as you think that you need to make a claim, then go through that process. This could be because you were served with court papers. It could be because you believe such an event is on the way. 

When you contact your insurance provider, they will discuss with you what your coverage is and what process is necessary to file the claim. Ultimately, they will pair you with an insurance adjuster, and that person will be your primary resource for the claims process.

Work With Your Adjuster

Once you are paired with your adjuster, they can manage the claim (or even multiple claims). For starters, they will review the situation and see if you need an umbrella claim at all. Many insurance policies (including auto and home policies) include a certain amount of liability coverage. You will only need an umbrella claim if your liabilities exceed the other policies.

If that is the case, the adjuster will stay with the case through to its conclusion. Liability damage usually comes at the end of legal proceedings. You may have to go through a civil court or settlement process, and at the end of that, you will know the exact liability damages. Your adjuster will stay in the loop so that they can distribute your coverage as needed.

We Are Here To Help!

Naturally, any liability case, and each insurance policy, will be unique. There is no exact set of steps, but this is the general process you can expect. So, if you want to ensure that you have good liability coverage in Centennial, CO, contact your Atrium Insurance Group representative to review your coverage and options.

Renters Need Insurance Too – Protect Your Belongings with Renters Insurance

Are you a renter in Centennial, CO? If so, we at the Atrium Insurance Group can provide the insurance coverage you need.

Why Renters Insurance?

If you are a renter, the home or apartment you rent is your home, and it needs protection. Renters’ insurance is reliable and affordable. It is a sure way to gain the peace of mind you need knowing you have coverage if you are a victim of a break-in or some other covered event.

Renters’ insurance is similar to home insurance. It protects you, your possessions, and your living arrangements. Also, it provides liability coverage, guest medical protection, and coverage for additional living expenses.

The four major areas of coverage are:

  • Fire and smoke
  • Theft
  • Vandalism
  • Water damage caused by faulty plumbing, water heater, or furnace/AC.

The following coverages are typically included in a standard renters policy:

  • Personal property coverage reimburses you if your possessions are stolen or destroyed by a fire or other covered event. Items such as clothing, electronics, furniture, and other possessions will be covered. If you own collections or especially expensive items, a rider should be added to cover these items.
  • Reimbursement for living expenses is covered if your rented home or apartment becomes uninhabitable. Expenses such as food and temporary housing will be covered.
  • Liability protection helps to pay for medical bills, legal expenses, and other damages in the event someone gets hurt at your residence and decides to sue you.
  • The guest medical coverage helps to pay for reasonable and necessary medical costs, such as x-rays or an ambulance, even if you are not at fault.

You can select how much coverage you want and how much deductible you want to pay when you purchase a renters’ insurance policy.

Reach Out To Us

If you live in the greater Centennial, CO community, contact us at the Atrium Insurance Group today for a no-obligation quote or answers to any questions you may have about renters insurance.

Top 3 Safety Risks for Your Motorhome

Traveling or living in a motorhome provides a great sense of freedom. There are, however, safety risks that you should be aware of. At Atrium Insurance Group, we provide insurance services and advice to residents of Centennial, CO and the surrounding areas. 

Here are the top 3 safety risks for your motorhome:


Like with any home, motorhomes can also have fire risks. It is important to make sure you are always using the best safety practices when cooking or heating up anything in your motorhome. You should also make sure that all wiring is in good working shape as well. 


Motorhomes are often easier to break into than regular houses. This is why you need to stay on top of your security efforts in your motorhome. Security systems for motorhomes are a great way to cut down on the risks of burglary and ensure that you and your family are always safe when staying in the motorhome. 


Accidents are always a possibility when you are traveling in your motorhome. Be sure that you or anyone who drives the motorhome understands how to operate the vehicle safely. It is a good idea to take a motorhome safety class to ensure that drivers are well aware of the special driving requirements to operate the vehicle in different types of situations. 

You should also never drive when you are tired, intoxicated, or in any way distracted from full attention. This puts you and all passengers at unnecessary risk. 

We Are Here To Help!

If you would like to learn about motorhome insurance, please contact us at Atrium Insurance Group serving Centennial, CO and the surrounding areas. 

Thinking About Purchasing an RV? Here’s What to Look For in Your RV Insurance Policy

Purchasing an RV for the first time? Congratulations! It’s important that you choose the right RV insurance for your needs.  Atrium Insurance Group in Centennial, CO can help. 

Here, we’ll take a look at a few things you’ll want to consider as you choose the right RV insurance for you.

What to Look For in Your RV Insurance Policy

First, you’ll need to consider whether you’re using your RV part-time or full-time. If you only use your RV occasionally, part-time insurance will cover you. If you use your RV for more than 150 nights each year, you’ll need to purchase full-time RV insurance to ensure you have the coverage you need. 

If you are a full-time RVer, you’ll also need to consider whether you own a brick and mortar home. If your RV is your full-time home, your insurance policy will need to have different coverage than if you only live in the RV for some months of the year. 

Basically, the more time you spend in your RV, the more coverage you’ll need to protect your investment. Your insurance agent will be able to work with you to help you discover what type of policy is the best fit for you and your family depending on how you plan on using your RV.

Searching for the right RV insurance for your vehicle?

At Atrium Insurance Group, we’re proud to serve our Centennial CO customers, and we’re excited to get to know you and discuss how we can meet your RV insurance needs. Reach out to us today or stop by to learn more about how we can create the right RV insurance policy for you and your family.

Is It Mandatory To Own Motorcycle Insurance?

For a person who loves activities that trigger an adrenaline rush, owning a motorcycle may be one of the things on their bucket list. Some of the thrilling activities involved with motorcycle riding may be fun, but may also pose potential dangers to the rider or the motorcycle itself.

While going on that riding excursion, you are unlikely to forget the basic protective gear. Atrium Insurance Group, however, brings you coverage that will protect you beyond your helmet. More than just your riding license, your motorcycle insurance is legally required in Centennial, CO.

These are some reasons why:

Loss or damage

Motorcycle insurance will cover any damage that may be caused during a collision. The cover will help with the fee that may be needed for the repair of the motorcycle. In the unfortunate event of theft, insurance will also finance the replacement of your motorcycle. Our motorcycle insurance will also help to cover any cost that may be needed for the repair of any property that may have been damaged by your motorcycle.


Sometimes, accidents may not only cause injury to the rider of the motorcycle but also to a pedestrian or an extra person on your motorcycle. In the event of an accident that has led to injury, the insurance will cover the medical care of the individual.

Contact Us Today

Lack of motorcycle insurance may therefore pose a risk of potential suit. This may happen when for instance, you are unable to cater for the cost of damage that may have been caused on a pedestrian or another party’s property. If you are in the greater Centennial, CO region, Atrium Insurance Group will provide you with a tailored plan that will cover your motorcycle all year round. We will ensure that you enjoy your ride free from any liability!

Am I required to carry boat insurance?

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. 

Umbrella Insurance Offers Additional Financial Protection

Do you live in or near the Centennial, CO area? In the event of a lawsuit, do you think you have enough liability insurance coverage or savings to settle the claim? Let the insurance professionals at Atrium Insurance Group explain why umbrella insurance is a good investment.

Why Umbrella Insurance?

Basically, umbrella insurance is an added layer of protection beyond the limits of your existing policy coverage and limits. It provides coverage for property damage, injuries, lawsuits, and personal liability scenarios.

For example, if you cause a car accident in which the passengers of the other vehicle were severely hurt, would your current car insurance liability coverage be enough to compensate? If the accident results in a lawsuit, the financial implications are great. If your liability coverage on the car insurance policy is $100,000 and you are being sued for $1 million, then what?

Umbrella insurance would pay an additional $900,000. There would be no need to touch your savings, sell your house, or cash in your retirement. The extra protection you wisely purchased would take the hit – not you.

Individuals who are fortunate enough to have a significant amount of money or assets especially need umbrella coverage. You haven’t worked hard, so the fruits of your labor could be given away to another individual.

It is recommended that you purchase enough umbrella insurance to cover the amount of your assets. For example, if you have assets totaling $5 million, you purchase $5 million worth of umbrella coverage. This protects your possessions, your checking and savings accounts, college savings, retirement and investment accounts, and the equity you have built in your home.

Give Us A Call

Let the insurance professionals at Atrium Insurance Group in Centennial, CO provide you with a quote or answer any questions you may have. Contact us today – we are here to help.

Renters Insurance Is a Simple Way To Protect Your Assets.

Are you a renter? There are many conveniences that go along with renting including less stress about home repairs, yard work, and general property upkeep or damage. There are some things you should still worry about though. Atrium Insurance Group serves Centennial, CO and the surrounding regions with insurance services, and we are happy to answer any questions you may have about renters insurance. 

Renters Insurance Protects You Where Your Landlords Policy May Leave Off

If something happens to the building your apartment is in, or to the structure of your apartment then clearly that falls on your landlord to repair, and hopefully, they have their end fully insured. If something happens within your rental home or apartment that is structural such as a natural disaster, busted pipe, or limb through the first floor then that also likely falls on your landlord’s shoulders to repair.

However, the items inside the rental that actually belong to you are your assets to protect. So if there is a disaster and the apartment burns down or is destroyed your landlord’s policy will likely cover a motel rental but the liability of each of your items will fall on you and your own insurance policy. Renter’s insurance is for the items you have within your rental space. If you are burglarized or a friend is injured within your apartment your renter’s insurance policy may protect you and your valuable assets. 

Give Us A Call

Contact us at Atrium Insurance Group if you have any questions or are ready to purchase renter’s insurance. We serve the community of Centennial, CO with quality insurance services. 

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