call-iconClick to Call
Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

map-iconGet Directions

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. 

Important Tips When Looking for Motor Home Insurance in Colorado

A motor home or RV is significantly different from a traditional car, which is why it has its class of insurance. This insurance offers additional coverage to ensure having a motor home in Centennial, CO is the exciting experience it is meant to be.

Here is a guide to help you insure your RV so you can hit the open road safely. Atrium Insurance Group can help you navigate important coverage for your vehicle. 

What Kind of Motor Home Insurance Is Required in Colorado?

In Colorado, RV owners are required to have at least liability insurance coverage. This insurance should cover the costs that result from third-party property damage or injuries caused to other people during RV use. You are allowed to add your RV to your auto insurance policy, but you will not have sufficient coverage. For instance, should your RV catch fire as you are cooking, auto insurance will not cover the cost of repairs.

The right level of coverage will vary depending on the size and type of motorhome you have and how you use it. Are you a road veteran or a holiday camper, and what additional items do you have in it (antenna, awnings)? A class B RV insurance is the best option if your motorhome is fully outfitted. It will cover everything, from an accident to the risks of vandalism and theft.

Different insurance companies define motor homes differently. Some will classify a van with sleeping and cooking amenities as a camper, while others will require that it has running water, power, and a toilet for it to be classified as a motor home.

Contact Us Today

Motorhome insurance is a valuable asset for helping you enjoy your road adventures. Give us a call at Atrium Insurance Group in Centennial, CO to learn more about this coverage and available options.

Is There A Way To Insure My RV For Full Time Travel?

It’s no secret that RVing is becoming more and more popular every year. More and more people are choosing to travel full-time in their RVs, and for good reason – it’s a great way to see the country!

However, one question that often comes up is whether or not it’s possible to insure an RV for full-time travel. The answer is yes, it is possible, but there are a few things you need to know about RV insurance before you hit the road. Atrium Insurance Group in Centennial, CO can help you navigate this important coverage. Here, we discuss everything you need to know about RV insurance for full-time travelers!

Can I Insure My RV for Full-Time Travel?

The short answer is yes. You can insure your RV for full-time travel with Atrium Insurance Group in Centennial CO. That said, there are a few things you need to keep in mind when it comes to RV insurance. First of all, it’s quite different from part-time RV insurance.

Part-time RV insurance is typically less expensive because you’re only using your RV for a few months out of the year. On the other hand, full-time RV insurance is more like a homeowners policy – it covers your RV for 12 months out of the year, no matter where you are in the country.

What Does Full-Time RV Insurance Cover?

Full-time RV insurance covers your RV just like a homeowners policy would cover your house. This means that it will protect your RV from things like fire, theft, and vandalism. It will also cover any damages that you may cause to other people or property while you are driving your RV.

In addition, most full-time RV insurance policies will also provide some coverage for your personal belongings. This is important to remember, as many people don’t realize that their homeowner’s insurance policy likely does not cover their belongings if they are damaged while in their RV.

Contact Us Today

Full-time RVing is a great way to see the country, but it’s important to ensure you have the right insurance coverage before you hit the road. At Atrium Insurance Group in Centennial, CO, we can help you find the perfect RV insurance policy for your needs. We have years of experience insuring RVs, and we would be happy to help you find the coverage you need to travel with peace of mind.

What Does Motorcycle Insurance Cover?

Motorcycle insurance covers the expense of replacing or repairing your motorcycle in the case of an accident. It also covers medical bills resulting from an accident, as well as costs associated with a legal defense if you are charged with a crime due to an accident. 

Most policies also offer some level of liability coverage, which will help cover the costs associated with injuries or other damages incurred by others due to an accident. Consult with our agents at Atrium Insurance Group in Centennial, CO for expert insurance advice.

Motorcycle Insurance Coverage: What You Need To Know 

Motorcycle insurance does not cover any damages to your bike if it is stolen. It also does not cover the value of any stolen items that were in your bike. Most insurance companies require that you have liability coverage. In the case of a collision, this shields the safety of the other drivers. It also has a minimum amount of coverage you must have for your bike. 

Motorcycle insurance can cover a variety of things, including liability, medical coverage, physical damage, and rider profile. Most policies have a limit on the amount of coverage available for a single incident, so it’s important to read your policy and know what the limits of your coverage are. 

However, many policies will not cover any accidents that happen while the policyholder is intoxicated. Almost all policies will not cover intentional acts. This means that if you cause an accident on purpose or maliciously, you won’t be covered by your policy. 

If you leave your motorcycle and cause an accident, your policy will not cover that accident. Most policies will also offer some degree of coverage for personal assets that you keep on the motorcycle, like saddlebags or a travel trunk. 

Give Us A Call

Motorcycle insurance is designed to protect you, the rider, and other motorists if you are involved in an accident. Atrium Insurance Group in Centennial, CO is here to provide you with expert insurance advice.

Avoid These Common Watercraft Hauling Mistakes

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.

Why Do You Need Umbrella Insurance?

Umbrella insurance is used to give you extra protection. It goes above and beyond your typical insurance, whether it is your home, auto, or business insurance. 

So, why would you need the extra coverage? Atrium Insurance Group in Centennial, CO provides this guide on navigating the extra protection you may need for your home, business, or vehicle. 

Here are some reasons why you need umbrella insurance:

You own some expensive collections

This may be a piece of jewelry that is worth a lot of money, though it can also be expensive art or something else that would be quite expensive to replace. 

You own a trampoline or swimming pool, which could lead to serious injuries

You are going to want extra liability to help you cover any injuries that may occur with them. 

You may even want some extra coverage if you have a dog

If your dog bites or hurts someone, you could be held liable, so you may want to look into getting extra coverage. 

If you are active and do some sports that are considered dangerous, you may want to consider extra coverage

Many people whose hobbies can cause them injury or death should consider getting umbrella insurance.

Contact Us Today

Your insurance policy is likely to have a maximum that they will pay. If you have a piece of jewelry (or multiple pieces), you are going to need extra coverage in order to replace them. You also should consider extra liability insurance if someone could get hurt on your property, whether that is from playing on the trampoline or playing with the dog. It can also help if you are involved in dangerous sports. You don’t want to leave your family high and dry if something happens to you! 

If you want to make sure that you are fully protected, don’t hesitate to contact us today at Atrium Insurance Group in Centennial, CO. 

Why Renters Insurance is a Must

Whether you are renting a home, an apartment, a condo, or anything else in between, you’ll want to have a renter’s insurance policy to protect your personal belongings. Your landlord may even require that you have a renter’s insurance policy before turning over the keys of the unit to you. Contrary to public opinion, your landlord’s insurance policy will pay for damage to the actual unit itself, such as the foundation, the roof, and their personal belongings inside it, but it will not cover anything that you own, nor will it provide liability protection. 

While many renters choose not to purchase insurance because they feel it is too expensive, the reality is that it is likely to be significantly cheaper than your rent. If you were to add up all your personal belongings to include electronics, clothing, furniture, and more, it is highly likely that the total figure will be far higher than you could expect. Failing to have renter’s insurance means that you’ll be on the hook for replacement if your belongings are damaged in an incident. With renter’s insurance, you’ll have coverage to repair or purchase new items at no or little cost to you. Additionally, if a visitor or friend slips and falls while at your rental, your renter’s insurance coverage will help pay for their medical bills and any other fees in the event that you are sued. 

At the Atrium Insurance Group in Centennial, CO, we can help you understand the pros and cons of renter’s insurance so that you make an informed decision. We’re sure that you’ll agree with us when we say that renter’s insurance is a must for Colorado residents. Give us a call today to learn more! 


Latest News

Refresh News Feed

Servicing these States

  • Colorado
  • Arizona
  • California
  • Pennsylvania
  • Oklahoma
  • New Mexico