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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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Why do I need RV Insurance?

Why does anyone need insurance? We use insurance for several reasons, the foremost amongst those being to protect us against the loss or damage of our assets, and the second to protect us against liability. RV insurance is no different and at the Atrium Insurance Group serving the area of Centennial, CO, we want you to know why you need RV insurance.

The mandatory minimum insurance in Colorado for an RV, which is classed as a vehicle, is liability insurance. This insurance specifies certain minimum amounts that need to be purchased. If you believe the minimum amounts will not be sufficient, then you are allowed to purchase additional liability insurance. Liability insurance covers you if you are legally liable for injuries to a person or damage to a property under the conditions of the policy, usually from an accident. There are several further options for insuring an RV and these include collision coverage and coverage for when the other driver is under or uninsured.

But it is not only auto insurance. An RV is more than a vehicle. It may also serve as an on-the-road vacation home or even a permanent home. In a home you have contents, and the cost of contents can add up if you suddenly need to replace items if they are damaged or stolen.

And finally, Colorado is home to some spectacular national parks and mountain ranges. It may happen that you are affected by a peril like an avalanche. In this case, further insurance coverage would be wise to safeguard yourself, your family, and your assets.

RV insurance should be carefully considered, but make no mistake, it is necessary. Contact Atrium Insurance Group serving the area of Centennial, CO today and avoid any unforeseen bumps in the road.

Protect Yourself Against Motorcycle Theft

With its open roads, scenic mountains, and big, blue sky, Colorado has gained quite a reputation among motorcyclists. It’s no wonder that so many residents in Centennial, CO and surrounding communities have embraced the motorcycle lifestyle—but Colorado also ranks 8th highest in motorcycle thefts per year. On average, across the United States, a bike gets stolen every 11 minutes! This not only affects the finances of motorcycle owners directly but also increases insurance premiums for the entire community. 

At Atrium Insurance Group, we work hard to protect our motorcycle enthusiasts and encourage safety on the road. That includes safety from theft. Use these tips to prevent motorcycle theft: 

Top Ways to Prevent Motorcycle Theft

The best way to keep your bike from being stolen is to remain alert and aware of your surroundings at all times. Here are some specific ways to protect your motorcycle:

  • Lock Your Ignition. The vast majority of motorcycle thefts occur when the ignition is off but not locked. Get in the habit of fully locking your ignition, even if you’re just running into the gas station for a minute. 
  • Lock Your Forks or Disc Brakes.  Brightly colored disc brake locks can deter a theft before it starts. And they’re inexpensive, too! 
  • Lock Bikes Together. If you’re traveling in a group, corralling your bikes and using a large motorcycle chain lock will give everyone added protection against theft. 
  • Lock Bike to a Secure, Stationary Object. If you’re traveling alone, lock your bike to a secure object that can’t be easily dismantled, like a light pole. 
  • Add an Alarm. Many disc brake locks not only immobilize your bike but also include an alarm that’s triggered immediately at any detection of shock or vibration. Most can be found for under $50, making them a great investment. 
  • Park Close to Your Room or a Camera. If you’re traveling overnight and your lodging doesn’t have a garage or motorcycle cage available, be sure to park in view of an outdoor security camera and/or your window.
  • Customize Your Bike (and Take Photographs). Aftermarket upgrades do more than show off your unique style. They can also protect you and make it more likely your bike is recovered in the event of a theft. Make a few customizations (or even a mark that only you know about) and then take pictures. 
  • Keep Your Papers on You. Finally, never leave important papers such as your title, motorcycle registration, or insurance card in your storage compartment or saddlebag. This makes it easy on the thieves and difficult for you to prove ownership. Instead, keep your title in a file cabinet or safe box, and keep vehicle papers on your person when you ride. 

By taking a few simple and inexpensive precautions, you can help prevent motorcycle theft and save yourself a lot of potential headaches and heartache. Of course, no matter how careful we are, sometimes theft happens anyway. In these cases, it’s good for Centennial, CO riders to have an agency like the Atrium Insurance Group by their side. Contact us today to learn how we can protect you from accidents, motorcycle theft, and more. 

Is Boat Insurance Worth It?

Whereas boating is fun and demonstrates an admirable lifestyle, it can lead to significant losses when unpredicted perils unfold. For instance, boats can collide with each other and cause injuries to boaters or damages to the boat and goods on transit.

Under such a scenario, you’d need a caring partner to help you bear the losses, and that’s where boat insurance coverage comes in. But is boat insurance worth it? To answer your question, Atrium Insurance Group in Centennial, CO has outlined the main benefits of subscribing to boat insurance coverage.

It covers property damages

Since your boat doesn’t come cheap, you need proper insurance to compensate you in case of loss or damage to your boat. Comprehensive and collision coverages protect your boat against physical damage or loss when perils like theft, falling objects, fire, accidents, and certain natural calamities strike.

It covers physical injuries

If you or your passengers sustain boat injuries, boat insurance coverage steps in to help pay treatment and hospitalization costs. 

It covers emergency assistance and towing

Your boat can break down miles offshore, leaving you with only one option — calling an emergency towing service. Unfortunately, the costs associated with such services are usually high, and in some cases, you may not be in a position to cover them. Luckily, your boat insurance can bail you when stuck in the water. 

Liability protection

No matter how good you are at boating, you can cause an accident. As a result, you could face property damage and bodily injury claims from third parties. If this happens, you will appreciate the importance of purchasing boat insurance cover.

Boat Insurance in Colorado

Whether you own a boat for recreational or business purposes, it’s good you consider subscribing to boat insurance coverage. According to Atrium Insurance Group in Centennial, CO, doing so will let you enjoy your boating experience without worrying about potential dangers. Contact us today for an affordable quote.

How Can Atrium Insurance Protect you with Umbrella Coverage

Ensuring that you and your family have the protection you need in the event of a calamity in the greater Centennial, CO area means discussing your entire insurance portfolio with an Atrium Insurance Group agent to see if an umbrella insurance policy is the right protection for you and your family.  Many people believe that a combination of their homeowner and auto insurance policies will protect them in the event of a disaster. Still, most insurance policies come with limits, and an umbrella insurance policy is designed to cover any lapse in coverage from your other policies.

How Can Umbrella Insurance Coverage Protect you in Centennial, CO?

When it comes to insurance policies and liability limitations, it is easy to assume that your existing home and automobile insurance will cover you in the event of a problem. Should your bills outstrip the coverage afforded solely by these two policy types however, you will be held personally liable for any cost beyond your coverage.

This is where umbrella insurance coverage comes into play.

An umbrella policy offers added protection when other policies exceed your base limits, but bills keep coming in after the insurer stops paying on your home or auto policy. Additionally, umbrella coverage can be used to cover unexpected, ancillary cost such as alternative housing, meals, and other expenses that would not have been incurred had an accident or disaster leave you unable to live in your current dwelling.

Contact Atrium Insurance Today to Discuss an Umbrella Policy

If you have questions about the amount of insurance you need to protect you and your family from uncovered liability owing to unexpected catastrophes, you need to reach out to our friendly, and knowledgeable team of agents here at Atrium Insurance Group. Let’s look to see whether an umbrella insurance policy will provide you with the level of protective coverage you need here in Centennial, CO.

Renters insurance FAQs

Centennial is a great place to live. Located about 16 miles southeast of Denver, it has excellent schools, and 16% of the population comprises renters. Renters insurance is often overlooked and leaves renters without protection if a disaster strikes. At Atrium insurance Group in Centennial, CO, we have been in business for more than 30 years and believe in providing our customers with the most choices at the best prices.

Doesn’t my landlord’s insurance cover me?

No, your landlord probably has insurance on the building, but that does not protect you. They have liability insurance covering the exterior of the property, but that won’t help you if someone is hurt inside your home or by a member of your family away from home. 

Will renters insurance replace my possessions if I lose them in a fire?

Yes, contents is one of the coverages offered by rental insurance, and fire is a covered peril. You can choose to have actual cash value coverage or replacement cost coverage. With actual cash value, depreciation is taken into account, so you may not receive enough actually to replace an item at today’s cost. 

If my phone is stolen from my car, is it covered? 

Yes, your personal possessions are covered when you are traveling away from home with them. Keep in mind there is a deductible attached to your renters’ policy, and depending on how high it is and the type of coverage you have opted for, you may not collect anything. A three-year-old phone and a $500 deductible will not provide the coverage you think it will unless you have replacement cost. 

Do I need liability coverage as a renter?

Yes, you do if you have any assets. 

If you consider renters insurance, give us a call at Atrium insurance Group in Centennial, CO, or stop by our office.

Factors to Consider When Taking Out Motorhome Insurance

As a Centennial, CO, you don’t need to buy your motorhome insurance without making sure that everything necessary has been analyzed. Remember that a motorhome is your tour or vacation vehicle, which means that there are some important factors that you need to consider before making the purchase. As a leading motorhome insurance provider, Atrium Insurance Group offers some important tips when deciding to buy motorhome insurance. 

Consider Comprehensive and Collision Coverage

Traditionally, most motorhome owners will go for liability coverage and leave everything else out. This is a dangerous situation as it can easily lead to significant financial challenges, especially if you’re involved in accidents. Liability insurance does not cater to some aspects, such as collisions. Having comprehensive and collision coverage means you will have peace of mind because your insurance provider will cover all the possible liability expenses. 

Consider Full-Time Liability Coverage

In most cases, motorhomes will attract insurance policies that are similar to those of the car. However, if you plan to live in your RV in the long-run, you need to consider full-time liability coverage. This means that your insurance will be extended to cover similar aspects as those covered in home insurance. Issues such as fire, theft, and other uncertainties will be considered in full-time liability coverage. 

Roadside Assistance Coverage

Living in your motorhome comes with additional risks and uncertainties. There is a higher chance that your RV will break down while driving on the streets, which could cause some serious problems. Having roadside assistance means you can contact your insurance provider, and everything will be solved in a matter of minutes. 

Some additional motorhome insurance policies are not legally required in Centennial, CO. Atrium Insurance Group is focused on giving you additional insurance coverage that will protect your home while on the streets. Contact our office to get started with a quote.

Protect Your Investment with RV Insurance

If you have a recreational vehicle, taking insurance is one of the best ways to protect your investment. Your recreational vehicle is prone to accidents that can cause you significant losses. It is crucial to get RV insurance to ensure that you don’t incur excessive out-of-pocket costs if an accident causes property damage or bodily injury. 

Atrium Insurance Group is your ideal RV insurance partner in Centennial, CO. Keep reading to understand how to get the right RV insurance to protect your recreational vehicle. 

Protect Your Recreational Vehicle with RV Insurance 

An RV is one of the significant investments that you’d want to protect. Getting RV insurance will give you peace of mind. Here’s how to get the ideal RV insurance: 

Get the Right Coverage 

The list of available coverages for a vehicle is long. It would be best if you understood what you need to enable you to get the right coverage. You can file a claim for any damage with the ideal RV insurance, such as a cracked windshield or a major collision. 

Your choice of coverage will determine the out-of-pocket expenses that you’ll incur. Get an agent to guide you on the coverage you need for the possible risks you’re likely to face. 

Choose a Reputable Company

A reputable company will protect your investment in case of any eventualities. Atrium Insurance Group has years of experience in providing RV insurance. The testimonials of a company are one of the best ways to know how reputable the company is. 

You can also check online reviews to know more about an insurance company. With a credible RV insurance partner, you’ll rest easy knowing that you won’t incur losses if your vehicle got into an accident. 

If you don’t know how to protect your investment with RV insurance, Atrium Insurance Group in Centennial, CO can help. We have an experienced team ready to serve you and answer all your questions. 

How to make a successful motorcycle insurance claim

Filing an insurance claim after a motorcycle accident in Centennial, CO can be messy and challenging. Every accident needs to be handled independently, depending on who was at fault, the injuries, and the damages involved. At Atrium Insurance Group, we recommend learning how to file a motorcycle insurance claim successfully in an accident. Here are a few basic steps you can follow.

Check for injuries

When checking for injuries, it doesn’t matter who was at fault. Whether you were hit by a car or hit the car, make sure you record your injuries and pay attention to your body after the accidents, as most injuries may not show signs the first few days.

Ask for help

Motorcycle accidents are quite common in Centennial, CO. If the accident is too fatal, you may want to get help from police officers and passers-by. They can help you record a statement, call an ambulance, or help move your bike from the road safely. If you can’t ride back home, call friends or family to come and get you.

Assess the damage

If you are in a safe location around the highway or road, thoroughly and slowly inspect your bike from one end to the other. Check whether there is property damage to any fences or surroundings. Accidents that do not involve vehicles are handled differently from accidents that involve other vehicles. So, make sure you have thoroughly gone over the bike.

Collect details

Collect even the smallest of the details. You want to focus on the other party’s details, such as their contacts, insurance information, and any additional information about the car. You can also get information from witnesses, the time of the accident, the police officer’s name who attended to you, weather conditions, location, damage, injuries, and a few photos and videos.

Don’t forget to act quickly before things turn against you. To learn more tips on how to file a successful insurance claim, visit Atrium Insurance Group today!

What Is Boat Insurance and What Does It Cover?

Whether you have a sailboat, fishing boat, or pontoon boat, you will need special coverage for your boat as well as liability insurance. The purpose of boat insurance is to protect you as a boat owner from different challenges associated with owning a boat. It protects a boat from accidents, vandalism, theft, and breakdowns – whether a boat is at the dock, in the water, or on the trailer. Atrium Insurance Group, serving Centennial, CO, has prepared a list of things that are normally covered by boat insurance:

  • Physical damage. It insures a boat against loss and damage caused by fire, sinking, collision, and theft. In most cases, it covers such permanent components as motors, extra fuel tanks, anchors, and onboard safety equipment (fire extinguishers and flotation devices). When choosing a policy, make sure to ask an insurance agent whether you will be insured for the actual cash value or the boat’s replacement cost. 
  • Liability coverage. It applies if your boat causes injuries to other people or damages to other boats and watercraft, docks, or structures. In some cases, liability coverage also protects against lawsuits, including payment of legal fees and settlements. 
  • Other coverage. You can always ask your insurance company for additional types of coverage. It can be medical coverage to injuries to occupants with their boat insurance policies. If you have any other needs, you can always ask an insurance company if there is coverage for them or not. 

If you are a boat owner, you should understand that boat insurance is critical. It protects you as an owner, your boat, your personal belongings, and other people. If you are currently looking for a boat insurance policy and you need a trustworthy insurance company who will help you find a perfect policy, Atrium Insurance Group serving clients from Centennial, CO, and other surrounding towns, is ready to assist you. If you have any questions, do not hesitate to give us a call and talk to one of our experienced agents. 

Does Umbrella Insurance Cover Personal Property in Centennial?

Umbrella insurance in Centennial, CO might sound as though it will cover everything. When you think of it, you might picture a great big tarp that goes over nearly everything in your life. When something goes wrong, you just call your umbrella insurance carrier to make it right again. But the reality of this policy is a little different than you might be thinking. Atrium Insurance Group wants you to know if it will cover your personal property. 

Umbrella Insurance Is Meant for Liability 

When you first sign up for insurance, you’re usually met with policy limits. These limits are something that you may or may not spend a lot of time considering, though, simply because it’s not easy to go through every detail of your contract. 

The limits that are most often contested are those of liability. When lawsuits can drag on for months and cause unknown havoc in people’s lives, the goal of umbrella insurance is to extend your coverage limits in case you need to. 

Knowing the Rules

Umbrella insurance doesn’t directly cover personal property, but it can give you the resources you need to keep what you have. Instead of having to choose between dropping a liability case or selling your things, you can use umbrella insurance as a way to keep you protected. 

Atrium Insurance Group knows that umbrella insurance isn’t necessary for everyone in Centennial, CO. Typically, it’s been popular amongst high-profile people in a community, those who would be more likely to be accused of wrong-doing. If you have questions about whether this policy is right for you or not, give us a call today to discuss our plans or to ask more questions about how it’s applied to the policy holder’s situation. 

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