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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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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.

Details to Pay Attention to On Your Umbrella Insurance Policy

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Have you been shopping for umbrella insurance but aren’t sure what to look for on your policy? We can help you manage that understandable confusion at Atrium Insurance Group. Our team can help Centennial, CO businesses understand their policy and its unique coverage and scope.

Liability Limits 

A high-quality umbrella insurance policy will extend your liability coverage beyond your initial policy, sometimes by extensive amounts. That can help you if you get into a lawsuit or if you have to pay for someone’s medical therapy or repair charges. However, even large umbrella policies have limits, as extensive as they might seem. As a result, you must pay attention to these levels to get the coverage you deserve.

Copays 

Every insurance policy has multiple copays that affect your policy and its quality. For example, you have to pay not only your premium but any specific costs towards your liability. These may include a specific minimum payment you have to reach before your policy kicks into play. Thankfully, umbrella policies cover such a high amount of money that they’re more than worth buying.

Limitations on Coverage 

While an umbrella policy is an extensive and high-value addition to your liability, there are certain limitations to consider. For example, most won’t cover illegal or deliberate acts that might affect your liability. This may include purposefully damaging your facility to get paid. However, other limitations may consist of specific types of protected individuals, so read your coverage carefully.

Finding a Smart Policy

Our team at Atrium Insurance Group can help Centennial, CO, business owners find strong umbrella insurance policies. Please don’t hesitate to contact us today to learn more. With our help, you can work through your insurance purchasing process and get the policy that makes sense for your needs.

What is Not Covered by Renter’s Insurance?

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Renters coverage refers to a type of insurance policy that provides renters or tenants with coverage for various defined perils and potential liabilities. If you rent in the greater Centennial, CO community, contact the insurance professionals at Atrium Insurance Group to learn about how a renters insurance policy can help protect you, your family, and your assets.

Note that not every circumstance is covered by a renter’s insurance policy.

Examples include the following:

High-Value Items

While one’s personal belongings are typically covered by a renter’s policy, it is highly likely that there will be policy limits regarding expensive items – artwork, jewelry, etc. Note that a rider can be included to cover these high-value items.

Damage Caused By Certain Perils

Renter’s insurance typically covers fire, vandalism, theft, and specific weather events. However, it doesn’t usually provide coverage for –

  • Floods
  • Earthquakes, and
  • Hurricane damage. Additional coverage can be purchased to cover these types of perils.

The Damage was Intentional or Caused by Illegal Actions

Intentional or illegal damage is typically excluded from a renter’s policy coverage.

Certain Personal Property

Certain insurance policies designed to protect renters may set forth specific exclusions regarding personal property. Note that a separate insurance policy can be purchased to cover boats, other watercraft, pets, and more.  

Certain Liabilities

Personal liability coverage is typically part of a renter’s policy, although it is noted that certain exclusions may exist regarding liabilities related to professional services, specific dog breeds, etc.

Contact a Leading Insurance Company Today

As with any insurance, it’s essential to have a full understanding of the renter’s policy’s terms, conditions, and exclusions. Contact the licensed professionals at Atrium Insurance Group in Centennial, CO for more information. We look forward to serving your insurance needs.

Roaming with Confidence: Your Guide to Motorhome Insurance

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Motorhome insurance is not always as simple as it may look. There are a number of variables that have to be worked out before a final decision can be made. Without access to experienced companies like Atrium Insurance Group in Centennial, CO, motorhome owners may experience more difficulties than necessary. That’s why we have prepared this handy guide that is sure to help motorists make sense of it all.

Travel Trailer Insurance

So you’ve purchased your motorhome and are zeroing in on a potential insurance policy. Everything seems to be taken care of, right? Not so fast! If you have a travel trailer, this is something that you will need to discuss with our professionals. If you want to make sure that your motorhome is covered even when it is not in motion, be sure to ask about the importance of travel trailer insurance.

Emergency Expenses

If you are planning on living in the motorhome full-time, this is another key area of discussion. If damages occur that cause you to have to vacate the motorhome for an extended period of time, you could left on the hook for all of them. Ask about policies that provide reimbursement in these instances.

Storage Concerns

This is another area that is commonly forgotten. What happens if the motorhome experiences any damage while it is in storage? This aspect of a policy is especially important to anyone who is going to be storing their motorhome for any extended period.

Schedule A Consultation Today

Do you have any additional questions or concerns that need to be addressed? If so, take a moment to speak with the professionals at Atrium Insurance Group in Centennial, CO. Our team takes pride in aligning our clientele with the best policies for their needs. Give us a call or stop by as soon as you would like to learn more!

I Rented an RV. Now What?

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So you think the RV life might be fun, but only for a short vacation. You can always rent an RV, go on a little out-of-town adventure, and skip the trouble of finding a hotel room. However, you may want to seriously think about getting rental insurance on your temporary RV, just in case. In fact, you may have to. Atrium Insurance Group serving the Centennial, CO metroplex is here to assist. 

It’s the Law

If it has a steering wheel and a motor, every state that mandates private passenger car insurance will require you to get an RV insured, even if temporarily. That means Colorado where a policy is required to include bodily injury and property damage coverage; also known as liability insurance. When it’s legally required, that makes a decision whether to get something rather easy! 

Requirements for RV Insurance

Many companies won’t rent an RV to someone under 25, so maybe save this adventure for later in life. And what exactly is your driving record? That will have a big impact on your insurance premiums. Now take a good assessment of the RV itself. How old is it? What class and size is it? What is the overall value of this RV? All of this and more will affect the kind of insurance you need. Assess your personal needs as well. Standard RV coverage will cover comprehensive, collision, personal property, medical, liability, and uninsured motorists. If you go for optional RV coverage, you may get coverage for roadside assistance, personal attachments and/or full replacement costs. 

Schedule A Consultation Today!

Colorful Colorado is home to magnificent mountains and rustic rivers, the perfect place for an RV vacation. Atrium Insurance Group serves the greater Centennial, CO community and we are committed to giving you quality customer service. 

4 Tips To Get The Most From Your Motorcycle Insurance

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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

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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.

How Do Umbrella Insurance Claims Work?

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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

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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

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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:

Fire

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. 

Burglary 

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 

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.