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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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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. 

How to make a successful motorcycle insurance claim

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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?

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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?

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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. 

Who should carry flood insurance

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Floods cause billions of dollars in damage every year. It is hard to believe that only 1 inch of water in your home can set you back as much as $25,000. Imagine if it is a foot or more? When you buy home or renters insurance, you may think you have taken care of your flood danger, but that is not true. Neither of these types of insurance covers you for flood damage. That is a pretty scary thought. At Atrium Insurance Group in Centennial, CO, we have been in business for more than 30 years, and our high-quality professional staff places our customers first. 

In simple terms, these days, everyone who lives in a municipality that has adopted the NFIP flood plan should be purchasing flood insurance. The National Flood Insurance Plan has come up with plans to help communities adapt and enforce floodplains management to lessen the chances of a devastating flood. Communities that enroll in this program are encouraged to go beyond the basic regulations that FEMA provides. This leads to safer communities. 

If you decide to purchase flood insurance, you can buy it through one of the authorized carriers or NFIP Direct. It is sold in two parts, one that covers the structure and one of the contents. Both offer valuable protection to homeowners and renters. Businesses can also purchase flood insurance. Because a federal agency manages this program, the rates are the same no matter which carrier you choose. Your premium is determined by how much of a risk you are. This allows you to choose a carrier that you know offers excellent service. 

At Atrium Insurance Group in Centennial, CO, we can offer our customers an excellent selection of flood insurance carriers because we are independent agents. We represent some of the finest carriers in the business. To make an appointment to discuss your flood insurance need, give us a call or stop at our office.

Life events that change your life insurance needs

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Life insurance is not something that stays the same for your entire life. While some policies protect you every day, events can happen that require that you make changes to your life insurance. Your needs will be altered by the things that happen, the people you add and subtract from your life, your employment, and your general financial situation. Having an insurance agent who knows you and can help your insurance grow and change with you is a good thing. At Atrium Insurance Group in Centennial, CO, we are dedicated to providing our customers with the very best products at a great price every day. 

Buying life insurance when you are young can lead you to the best possible start. You may get life insurance as part of an employee benefits package, but it is always wise to purchase your own policies that you control so that you are not reliant on your staying with a particular employer. Purchasing a home is one of the first events that require that you take a good look at the coverage that you have. 

Getting married changes just about everything in your life, and your life insurance is no exception. While it may not seem very romantic, discussing life insurance with your new spouse is essential, and both of you need to look at the coverage you have. It would help if you also changed the beneficiary on your policy to reflect your new status. 

If you start a family, you should reevaluate the amount of coverage needed if either you or your spouse should pass away. You may also want to think ahead about their college education. 

Life insurance is flexible, and it should reflect where you are in your life and what your needs are. At Atrium Insurance Group in Centennial, CO, our dedicated team will take the time to make sure that your coverage grows with you through all the events in your life. Call our office for an appointment to sit down and look at your current coverage.

Colorado Auto Insurance Requirements

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In order to legally operate a motor vehicle in Colorado, all drivers are required to carry liability insurance to protect third parties from injuries or damages sustained in an at-fault accident. In fact, since 1997, Colorado has maintained an online database that lists individuals residing in the state and whether or not they carry at least the minimum required auto insurance coverage. The goal of the database is to reduce the number of uninsured drivers on the road while also decreasing the expenses related to auto accidents. Access to the database is reserved for law enforcement, court officials, and other government agencies. 

Liability insurance helps pay for damage to third parties, including medical expenses and property damage that is caused because of the insured person’s negligence. Additionally, liability insurance kicks in to cover damages if an unauthorized driver is operating your vehicle without permission and causes an accident. Not only does Colorado law require you to carry minimum liability coverage, but also you must have uninsured/underinsured motorist coverage, which helps pay for any damages caused by another driver that does not have insurance or is involved in a hit and run. 

Collision and Comprehensive coverage are not required by law, but if your vehicle is financed or leased, the lienholder is likely to mandate it. Collision, as the name implies, pays for damages caused by an accident with another vehicle or object while comprehensive covers non-vehicle accidents such as storm damage, flooding, theft, or vandalism. 

At the Atrium Insurance Group in Centennial, CO, our team of insurance professionals are ready to help you find the perfect auto insurance policy for your needs. We’ll take the time to learn your unique situation so that we can offer you a policy that is tailored to you.