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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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4 Advantages of Umbrella Insurance

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Everybody knows how crucial it is to have liability insurance in place in case of an unfortunate event. And that’s why most people have liability coverage in their auto, business, home, or boat insurance. However, the maximum liability coverage offered by these policies may not be enough to cover costly lawsuits or specific injuries. In light of this, you need to invest in umbrella insurance.

Umbrella insurance is that additional liability policy that kicks in when your other coverages get exhausted. Purchasing umbrella insurance from Atrium Insurance Group in Centennial, CO comes with a host of benefits, including.

Asset protection

The main aim of purchasing umbrella insurance is to protect your assets in major calamities like lawsuits. The more assets you possess, the more you need umbrella insurance. Not only do businesses get sued for thousands of dollars, but individuals too are vulnerable to lawsuits. Luckily, with umbrella insurance, your assets are safe. 

Provides additional coverage

Like mentioned, umbrella insurance comes in handy when other insurance coverages get depleted. Additionally, it covers occurrences that your other liability policies don’t have, such as libel, slander, wrongful arrest, and defamation.

It gives peace of mind

Like any other insurance coverage, umbrella insurance instills that peace of mind from the additional security it offers. With umbrella insurance, you don’t have to live on the edge wondering if your assets are safe.

It’s affordable

The fact that umbrella insurance kicks in when other policies get depleted makes it significantly affordable. For example, for $1M liability coverage, it will cost you a fraction of the price you pay for your home or auto insurance coverage.

Umbrella insurance in Centennial, CO

Don’t wait until your assets are at risk. Secure them today! All you have to do is buy umbrella insurance from Atrium Insurance Group.  If you are in Centennial, CO, and its surroundings, please contact us today for an affordable quote.

Is renters insurance required in Colorado

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Renting in Centennial, CO puts you in a wonderful area for enjoying the great outdoors. The mountains offer year-round access to nature. Whether you hike, bike or ski, you will find plenty of good reasons to call this area home. At Atrium Insurance Group in Centennial CO, we believe that the secret to a thriving business is giving our customers quality products at the best price. We will take the time to get to know you so that we can provide what you need. 

Renters insurance is not required by the state of Colorado but it may be required by your landlord or management company. Be sure to read your lease and understand the requirements. But even if it isn’t required, having it is a good idea and offers many benefits. 

You may think that your landlord has insurance that protects you, but he doesn’t. He only cares about his building, you are on your own to cover your personal property. 

Renters insurance offers three types of coverage:

  • contents
  • liability
  • loss of use

Contents

Everything you own is probably in your rental and if it was destroyed or you were robbed, you could lose quite a lot. With renters insurance, you would be able to replace some of the things you need and get back to life as usual. 

Liability

If someone is injured while visiting your rental, you could be liable for medical expenses and potential legal action against you. Renters insurance would help with the cost. 

Loss of use

If your rental is damaged and you are not able to stay there, you will need somewhere to live. Loss of use coverage will help with a hotel or a temporary rental until you can go back home. 

Contact Atrium Insurance Group in Centennial, CO to discuss why renters insurance may be right for you. 

3 Reasons Why You Need Motor Home Insurance

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At Atrium Insurance Group, we can provide high-quality motor home insurance policies that will keep your vehicle safe and in great shape. However, we’ve found many in the Centennial, CO area don’t think they need a policy. Here’s why we feel that you and other motor home owners do need a great insurance policy.

Damage Protection 

When your motor home gets damaged by nature or any other types of problems, you’ll need a high-quality insurance policy to minimize your financial investment. Otherwise, you may have to pay for everything out of pocket. Policies also help to replace your motor home if it is totaled at any time, such as if your RV burns down and you’re not liable.

Liability Coverage 

If anybody gets injured while you’re moving your motor home (or is hurt inside of it), you may need liability coverage to help yourself out. This option will pay for medical expenses and even lawsuit expenses, depending on the range of the damage and much more. Make sure to talk to your agent about this insurance to get the best possibilities.

Full-Timer Help 

Do you plan on living in your motor home full time, or do you already live there as your primary residence? Then, you might want full-timer motor home insurance. Getting this option treats your RV as a home and covers many elements that other insurance policies do not.

Do You Want Insurance? 

If you’re concerned about your motor home and want to make sure that things go smoothly for your needs, it is a good idea to reach out to us at Atrium Insurance Group right away to learn more. We serve Centennial, CO and the surrounding area and will do what we can to help your motorhome stay safe.

Why do I need RV Insurance?

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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

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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?

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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

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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

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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

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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

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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.