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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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Real-Life Examples of How Colorado Families Can Benefit from Umbrella Insurance

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Living in Centennial, CO, means enjoying the local hiking and skiing trails and participating in community activities. Forward-thinking residents get umbrella insurance as a safety add-on to protect their interests when the unexpected strikes and exceeds the financial limits of existing home and auto insurance policies.

Atrium Insurance Group provides a few real-life examples of how local families benefit from investing in umbrella insurance in the informative guide below!

Extended Insurance Benefits for Outdoor Picnics or Neighborhood Gatherings

Legal fees can quickly add up for local homeowners In the unfortunate event that a party guest is injured at your home. The costs of medical bills and related legal claims can easily surpass the limits of a traditional homeowners policy. Umbrella insurance can help offset excessive out-of-pocket costs.

Enhanced Auto Insurance Benefits for Colorado Families with Teen Drivers

Teen drivers in most states have a higher rate of auto accidents than most other categories of drivers on the road. Young drivers who are in an accident and have injuries to others can get protection from their family auto insurance and umbrella insurance policy to absorb the remaining costs.

Get Extended Recreational Vehicle Insurance Coverage Benefits for RVs

Centennial outdoor enthusiasts who love riding their ATVs, boats, RVs, and skiing can benefit from adding umbrella insurance to existing recreational policies to cover the costs of accidents that happen while having fun in the great outdoors.

Contact Trusted Local Experts

Don’t wait until the unexpected becomes reality, and it is too late to get umbrella insurance to offset the cost of medical, legal liability, and property damage claims. Contact the professionals at Atrium Insurance Group in Centennial, CO, to get a free quote and protect your most prized investments today!

What can occur if I do not have renters insurance when I am renting a home in Colorado?

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Renting a home in the Centennial, CO area can be a great option as it offers flexibility and fewer financial obligations than owning a home does. When you choose to rent a property here, you will want to ensure you are adequately covered by insurance. A variety of negative consequences could occur if you do not have renter’s insurance.

Loss of Personal Property

One consequence that can arise if you do not have renter’s insurance is that you could lose your personal property. Any renter will bring furniture, electronics, clothes, and other valuable items into a rental property. If a renter’s insurance plan does not cover you, you could face a total loss if you experience theft, fire, vandalism, or other risks. With renter’s insurance, you will get the support you need to replace these items.

Liability Concerns

Another challenge that you could experience without renter’s insurance is that you could face liability challenges. There are various liability risks that all renters will face. If you do not have a renter’s insurance plan in place, you could be held personally liable and financially responsible for any related damages. If you are covered with the right insurance plan, you will be supported in fighting the claim and covering damages.

Protect Your Rental Today

If you would like to rent a home and are in the Centennial, CO area, you should always ensure you have the right insurance. When you are ready to start looking for a new plan here, it would be smart to call us at the Atrium Insurance Group. Our team at the Atrium Insurance Group understands the value of renter’s coverage and will provide the help you need to select a new plan.

Do You Need Motorhome Insurance All Year Round?

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Find the Right Motorhome Insurance with Atrium Insurance Group in Centennial, CO

If you own a motorhome used primarily for vacation, you might be unsure how much protection it needs when not used. The good news is that you can get the answers you need by collaborating with a trusted insurance agent. If you reside in the Centennial, CO area and are seeking motorhome insurance or have questions about your existing policy, the Atrium Insurance Group is at your service.

Our agents understand the importance of quality coverage and recognize that several motorhome owners use their vehicles for just a few weeks or months each year. However, it’s crucial to remember that insurance policies can offer protection beyond on-road usage. It’s also advisable to maintain coverage for your motorhome during off-road periods or when it’s in storage. Canceling your coverage when you’re not driving could put your motorhome at unnecessary risk.

However, as your motorhome enters storage, you might have options to reduce or adjust your coverage. Discussing this with an agent could help you stay protected while tailoring your coverage based on your specific requirements. Our team can help you understand the right policy choice, how to adapt it over time, and whether altering your coverage is advisable based on how you use your motorhome throughout the year.

Reach out to us at Atrium Insurance Group today, especially if you’re in the Centennial, CO, area and require motorhome insurance. We understand the importance of year-round vehicle protection, regardless of its frequency of use. With suitable insurance coverage, you can enjoy your motorhome anytime with peace of mind.

Will My Auto Insurance Cover My RV?

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Purchasing a recreational vehicle (RV) brings immense excitement, heightening the thrill of anticipating the numerous adventures awaiting you in your mobile home. As you ensure all to-dos are checked off before your first trip, make sure you’ve appropriately insured your RV. It is a common assumption among first-time RV owners that their automotive insurance will provide comprehensive coverage for their RVs. However, auto insurance only offers limited coverage and cannot substitute for a separate RV insurance policy.

Auto Insurance’s Scope of Coverage

While most auto insurers permit adding an RV to your existing policy, the coverage provided is usually insufficient. In some instances, claims made on your auto insurance involving your RV may not get approved. If your RV incurs damage, the items within it are stolen or damaged, or your non-towable RV needs to be moved, your auto insurance plan will likely deny the claim. In contrast, dedicated insurance for your RV can ensure comprehensive coverage. Regardless of the chosen insurance for your RV, it is crucial to understand the specifics of its coverage.

Now that you appreciate the importance of securing adequate RV insurance before hitting the road, you may be looking for a suitable insurance provider. If you reside in Centennial, CO, consider Atrium Insurance Group as your go-to provider. We at Atrium Insurance Group prioritize our customers’ needs and work tirelessly to ensure they are fully met. We extend our services across Centennial, CO, and surrounding regions. Contact us today so we can furnish you with a quote and get you started.

What Vehicles Does Motorcycle Insurance Cover?

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At Atrium Insurance Group in Centennial, CO, our clients ask if we cover a range of vehicles from standard cars to trucks to motorcycles to boats. For those who own a vehicle outside of the typical list, such as a moped or motorized bicycle, finding information about whether it’s possible to get coverage for the said vehicle can be a challenge. Although we can’t speak to your specific situation, we can share what motorcycle insurance generally covers in terms of vehicles.

What Is Motorcycle Coverage?

Motorcycle coverage is an insurance policy that covers motorcycles and some related vehicles. While every policy differs, motorcycle insurance policies cover similar vehicles. If you’re unsure if our policies would cover the type of motorcycle-like vehicle you have, you can always stop by our office or call to speak with one of our representatives for more information.

What Vehicles Does Motorcycle Insurance Cover?

Even though motorcycle insurance policies may differ in what they cover, some policies cover a mix of vehicles, including cruisers, custom bikes, dirt bikes, low-speed bikes, sport bikes, trikes, and vintage or classic bikes. Of course, there’s no way to know if a motorcycle insurance policy covers one of these types of bikes without speaking directly to an insurance professional at our office. That’s why we recommend contacting us with specific questions about what our policies may or may not cover.

If a motorcycle insurance policy doesn’t cover your bike or vehicle, don’t worry! Another insurance policy may be able to cover it, or you may be able to get specialized coverage. You won’t know your insurance options until you contact our office.

Contact Atrium Insurance Group Today

For more information on motorcycle coverage, call our office at Atrium Insurance Group in Centennial, CO.

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.

Should I get Umbrella Insurance?

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Umbrella insurance, also called excess liability insurance, protects you from significant catastrophes that exceed your standard insurance policies. At Atrium Insurance Group in Centennial, CO, we offer umbrella insurance. 

Umbrella Insurance Basics

You’ll need to have the maximum coverage limits for your auto and home policies to get an umbrella policy. Most policies have a maximum coverage limit of $500,000. 

If you are liable for damage or injuries that exceed that, you are liable for the difference. For example, you cause a 10-car pileup on the interstate. You have $500,000 in auto insurance, but the damages are $1 million. Without umbrella insurance, you’ll owe $500,000. 

This is concerning because a judge can order you to give up your assets to pay the costs you owe. 

Umbrella Insurance and Net Worth

Experts typically recommend that you have an umbrella policy if you have a net worth of $500,000 or more. Add all your assets, including bank accounts, investments, and homes, to determine your net worth. Then, subtract any debts you have. This is your net worth. 

It’s wise to protect your net worth with liability coverage. If you have a $1 million net worth, a $1 million umbrella policy may be sufficient. However, it would be best to consider umbrella insurance even with a lower net worth. 

Consider Your Future 

Why would you need an umbrella policy that exceeds your net worth? If you owe money due to a liability claim, a judge can order your future earnings to be garnished in addition to taking your current assets. 

This can have a significant impact on your current and future financial stability. 

Umbrella Insurance with Atrium Insurance Group 

If you need umbrella insurance in Centennial, CO, contact Atrium Insurance Group. Our expert agents are here to discuss your needs and help you select the right policy for your situation. 

Will renters insurance cover my roommates items as well?

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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

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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?

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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.