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All-Star Insurance Brokers Inc

2821 S Parker Rd Suite 455
Aurora, CO 80014

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Why Full-Time RVers Need Different Coverage Than Weekend Travelers

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Living life on the open road is an adventure like no other. Whether exploring national parks, chasing warmer weather, or embracing a minimalist lifestyle, full-time RV living offers freedom and flexibility. But when your RV is more than just a weekend getaway vehicle—when it’s your home—you need insurance that reflects that. At All-Star Insurance Brokers Inc., serving the community in and around Aurora, CO, we help full-time RVers get the right coverage to protect their unique lifestyle.

Your RV: More Than Just a Vehicle

An RV is primarily a recreational vehicle for weekend travelers, meaning standard RV insurance often provides sufficient coverage. It typically includes liability, collision, and comprehensive protection—similar to auto insurance. But for those who live in their RV full-time, it functions as both a vehicle and a home, requiring additional coverage to protect against risks like theft, personal liability, and even emergency lodging if your RV becomes unlivable.

Insurance Coverage That Matches Your Lifestyle

Full-time RV insurance offers protection beyond what a standard policy covers. It can include full replacement cost coverage for your belongings, personal liability similar to homeowners insurance, and even coverage for attached structures like awnings or satellite dishes. Without the right policy, you could be left vulnerable to significant financial loss in the event of an accident, theft, or severe weather damage.

Don’t Risk Being Underinsured

If your RV is your home, it deserves the same level of protection. Having the right insurance ensures you can continue your journey with peace of mind.

To find the best coverage for your full-time RV lifestyle, contact All-Star Insurance Brokers Inc., providing RV insurance in the Aurora, CO region today. We’re here to help protect your home on wheels.

How Motorcycle Insurance Helps After an Accident—Beyond Repairs

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Riding a motorcycle is an exhilarating experience, but accidents can occur unexpectedly. At All-Star Insurance Brokers Inc., we provide motorcycle insurance to residents in and around Aurora, CO. We understand that motorcycle insurance isn’t just about repairing your bike—it’s about protecting you in ways you might not have considered.

Medical Expenses and Recovery Support

One of the major concerns following an accident is medical bills. Even health insurance may not cover everything, particularly if you require physical therapy or specialized treatment. Motorcycle insurance can help cover medical expenses, ensuring you receive the care you need without financial stress. Some policies even include coverage for lost wages if you’re unable to work during recovery.

Legal and Liability Protection

Accidents often involve more than just your motorcycle. If another person is injured or their property is damaged, you could be held financially responsible. Liability coverage helps protect you from costly legal claims, covering medical expenses or repairs for others involved in the accident. This can save you from overwhelming out-of-pocket expenses.

Roadside Assistance and Towing

A motorcycle accident doesn’t always result in serious injuries, but it can leave you stranded. Many motorcycle insurance policies offer roadside assistance, providing help with towing, fuel delivery, or even emergency lodging if you’re far from home. This added support can make a stressful situation a little easier to manage.

Sense of Security for Every Ride

At All-Star Insurance Brokers Inc., proudly serving the greater Aurora, CO community, we believe motorcycle insurance is more than just repairing your bike—protecting your future. Contact us today to explore coverage options that keep you safe on and off the road.

What Is Specialized Coverage? Do I Need It?

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Boat insurance is crucial, regardless of how often you use your boat or how safely you navigate the waters. Boat accidents can be expensive and may not always be manageable, depending on your current financial situation. That said, just as you might need specialized coverage or add-ons for any other form of insurance, you might wonder if you need this for your boat. Here’s what you need to know about insuring boats that may not fit standard policies and whether you actually need it. Once informed, come to us at All-Star Insurance Brokers Inc. in Aurora, CO, to secure your boat policy!

Does Your Boat Require Specialized Coverage?

For most boat owners, standard boat insurance options will suffice. However, there are a few instances where you may need specialized coverage:

  1. You own a significantly larger (or more luxurious) boat than most boats covered by watercraft insurance policies, so you need a larger and specialized policy.
  2. You store it at a local dock or marina, which could require additional coverage.
  3. There are certain policies you think would be useful in protecting your boat that may not come with your general policy options.

Find Boat Insurance You’re Satisfied With at All-Star Insurance Brokers

Whether you’re content with basic coverage or you want the best policy money can buy, we’re ready to guide you to the best boat insurance in Colorado. Start with All-Star Insurance Brokers Inc. in Aurora, CO. Compare quotes now or contact one of our experienced brokers if you need help finding a policy using our system. Remember, we can also help you find other forms of insurance!

How Umbrella Insurance Helps Rental Property Owners

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For most owners, rental property is a significant investment, so protecting it is vital. Rental owners need to obtain the appropriate landlord insurance for each property, and they are often wise to supplement their landlord policy with comprehensive and easy-to-obtain umbrella insurance. Our All-Star Insurance Brokers Inc. team, serving Aurora, CO, can help structure coverage to best meet your insurance needs as a rental property owner.

Landlord and Umbrella Insurance

Landlord insurance is comparable to a home policy because it covers:

– Damage to dwellings and other structures caused by covered perils

– Assets such as lawnmowers and appliances used at the rental property

– Personal liability and medical payments for injuries suffered on your property

Like other insurance, landlord insurance has coverage limits, including for third-party liability claims, so property owners acquire umbrella insurance to supplement the limits of the underlying landlord policies. Umbrella insurance is relatively inexpensive since it does not activate in most situations, but it is an investment savior when it does. It can protect your assets from being claimed following a lawsuit.

Umbrella insurance offers unique advantages for those with property in multiple states. You can obtain some protection by forming an LLC or other legal entity in each state, but that process takes time and money. Obtaining umbrella insurance covering multiple properties is fast and easy.

Properly insuring your rental property requires decisions that vary with your situation and risk tolerance. Discussing your needs with a skilled and experienced agent helps you make the best decision for your business.

Working with All-Star Insurance Brokers Inc.

The All-Star Insurance Brokers Inc. team proudly serves Aurora, CO. Our experience insuring rental property owners can help you obtain the protection you need. Call (303) 745-2886 or stop in today to discuss your insurance options.

Is a Home Inventory Required for Condo Insurance?

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Condo insurance can help you when covered events occur. Whether your condo has recently been broken into or a fire on the premises, condo insurance can help repair and replace damaged belongings.

Some insurance policies require homeowners to make a home inventory. Knowing what a home inventory is and how to keep one can help you is crucial. Even if your insurance doesn’t require a home inventory, having one can still help you take care of your condo. At All-Star Insurance Brokers Inc., servicing Aurora, CO, we can help. Here’s what you need to know.

What Is a Home Inventory?

A home inventory is a list of your belongings. It can be kept on a spreadsheet or in an app. Some people avoid making a list by video recording their belongings.

Is a Home Inventory Required?

Some condo insurance policies require their policyholders to keep a home inventory; some do not. To determine if your condo insurance policy requires keeping a home inventory, speak with your insurance agent or read your policy.

Benefits of Keeping a Home Inventory

Even if you don’t have to keep a home inventory, there are still many benefits of having one. Some benefits include:

  • Help you stay organized. Keeping a home inventory can help you stay organized. If a covered event occurs, having a list of things you own can make the recovery easier.
  • Help you remember what you owned. You might be surprised how difficult it is to remember everything you own! Having a home inventory can help.

Need Condo Insurance? Call Today

If you need condo insurance, the professionals at All-Star Insurance Brokers Inc., servicing Aurora, CO, can help. Call today to make an appointment.

How Auto Insurance Protects Against Theft and Vandalism

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Many car owners face auto theft and vandalism. At All-Star Insurance Brokers Inc., we provide insurance products, including auto insurance, in and around Aurora, CO. We aim to ensure you’re well-protected against these risks with the right auto insurance coverage.

Comprehensive Coverage Explained

Comprehensive auto insurance is your best defense against theft and vandalism. This type of coverage is designed to pay for repairs or replacement if your automobile sustains damage due to vandalism or is stolen. Whether it’s a broken window, stolen stereo, or even if the entire vehicle goes missing, comprehensive coverage steps in to ease the financial burden, allowing you to focus on getting back on the road.

Understanding the Claims Process

If you experience theft or vandalism, the claims process is straightforward. First, report the incident to the police and gather any relevant documentation. Next, contact your insurance company to file a claim. Having comprehensive coverage means you can expect assistance with repairs or replacement, subject to your policy’s terms and deductibles. This support can be invaluable during a stressful time.

Preventive Measures Against Auto Theft and Vandalism

While insurance helps to protect you, taking preventive actions is also recommended. Parking in well-lit areas, using anti-theft devices, and being vigilant can minimize your chances of theft or vandalism to your vehicle. Being proactive and having a full coverage insurance policy help protect you.

Secure Your Vehicle Today

Don’t wait until it’s too late to ensure your car is protected. Contact All-Star Insurance Brokers Inc., serving the greater Aurora, CO, region, to discuss your auto insurance options. Our knowledgeable team is ready to help you find the best coverage to safeguard your vehicle against theft and vandalism. Reach out today and drive with confidence, knowing you’re protected.

Commercial Insurance for Every Threat Your Company Faces

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Theft, fire, vandalism, catastrophic storms, and liability claims – are just a few of the countless daily concerns business owners face. This is why protecting companies is so crucial for every type and size of business. The threats that companies face can often be expensive, from costing large and established businesses exorbitant expenses to forcing small, family-run businesses to close their doors. That’s why every business needs the protection that commercial insurance affords. This is why so many business owners in and around the beautiful Aurora, CO, area turn to the All-Star Insurance Brokers Inc. team for all their commercial insurance needs and solutions.

Commercial Insurance: Protection for Every Threat Your Business May Face

It’s simply impossible to predict what threats your company may encounter as it grows and thrives. However, it is possible to prepare for and protect your business against whatever risks or threats come your way. Through the assistance of an experienced and professional agent, business owners can effectively audit the potential risks their companies face, procuring the commercial insurance protection they need for any and every threat their business may face.

Commercial Insurance Solutions in Aurora, CO

If you own a business in the Aurora, CO area and want to learn more about how we can help protect your company, or if you need commercial insurance for your company, we are here to assist you. At All-Star Insurance Brokers Inc., we offer the protection your company needs when you need it the most. Contact us for more information and book an appointment today at All-Star Insurance Brokers Inc. for the commercial insurance solutions that your business needs.

What is Considered an Out Building?

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Not many individuals in Aurora, CO, besides All-Star Insurance Brokers Inc. staff, indulge in reading homeowners’ insurance policies. Those who do might occasionally stumble upon terms they find challenging to comprehend.

One such term is ‘outbuildings.’ Are they covered under a homeowners’ insurance policy? This post will provide some insights about outbuildings and their coverage under home insurance.

What Are Outbuildings?

Outbuildings are structures on an insured property that serve a purpose and hold value. These include an unattached garage, shed or sheds, and even fencing.

Are Outbuildings Covered Under a Homeowners’ Insurance Policy?

Yes, outbuildings are typically covered under most basic homeowners insurance policies. They are usually insured against the same perils as the primary structure.

Coverage Limits for Outbuildings.

Outbuilding coverage limits are generally a percentage of the main structure’s coverage. If there is a significant unattached structure on the property or one with substantial upgrades, homeowners may want to consider additional coverage to insure these structures to their full value.

Outbuilding Maintenance

It is essential to note that outbuildings must be adequately maintained to be fully covered. If damage occurs due to poor maintenance, such as rotting fencing, an infested wood shed, or wear and tear, it may not be covered.

Get the Answers to Your Questions

One advantage of being insured through All-Star Insurance Brokers Inc. is access to professionals who can answer your insurance inquiries. If you are a homeowner in the Aurora, CO, area, we invite you to contact us for a homeowner’s insurance review and price quote.

ATV Safety Tips for a Safer Summer

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At All-Star Insurance Brokers Inc., we’re well aware that summer in Aurora, CO, signifies outdoor adventure, including riding all-terrain vehicles (ATVs). Despite the thrill they offer, these off-road, four-wheeled motorized vehicles also pose significant risks.

The Risks Associated with ATVs

We’ve previously addressed the dangers of ATVs in our blog on recreational toy facts, noting their high rate of accidents. The U.S. Consumer Product Safety Commission (CPSC) reports approximately 800 annual deaths and about 100,000 severe injuries linked to ATV accidents.

Safety Tips for a Safer ATV Ride

Today, we’re providing safety tips that ATV owners can follow to decrease potential risks while using ATVs. This, in turn, could minimize claims on your recreational insurance. Our suggestions come from the ATV Safety Institute and the CPSC.

  • Always wear the recommended safety gear, including a DOT-compliant helmet and goggles.
  • Dress in long pants and a long-sleeved shirt, and wear over-the-knee boots when you ride.
  • Make sure to use driving gloves.
  • Avoid driving on paved roads. Use ATVs only on designated trails, typically made of dirt or grass. If a paved road must be crossed, only do so in marked legal areas.
  • Maintain a safe ATV speed.
  • Remember to seat only one person on a single-seat ATV and strictly two individuals on a two-seat ATV. Never exceed the maximum passenger limit specified by the manufacturer.
  • Ensure the ATV suits the rider’s age group. Youth should not be riding adult ATVs. Instead, make a youth model ATV accessible for each child or teen rider.
  • Supervise riders younger than 16 years old during their ride. Data from 2018 to 2020 reveals that 300 fatalities were children aged under 16.
  • Never drink and ride. Avoid operating an ATV under the influence of drugs.

Before riding an ATV, consider taking a hands-on training course from a certified instructor. The ATV Safety Institute offers a free online course to kickstart your learning journey.

Contact Us Today

At All-Star Insurance Brokers Inc., we hope you never need to file a claim on your recreational insurance policy. While ATVs are commonly referred to as motorized toys, they should not be taken lightly. Adhering to necessary precautions is vital to riding safely. Contact us today to ensure your ATVs are safe and take the first step toward ensuring safety.

Two Reasons to Review Your Renters Insurance Annually

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Renters insurance provides insurance coverage for people who rent their home. Like home insurance, renters insurance will pay to replace possessions lost due to a covered event. Renters insurance will also pay to cover additional living expenses when a covered event forces you from your home for a period of time. 

All-Star Insurance Brokers Inc., servicing Aurora, CO, provides renters insurance to customers in need. Like other customers, we encourage renters to review their insurance annually. Below are two important reasons to consider reviewing your renter’s insurance once per year. 

1. Reviewing Your Insurance Helps Ensure You Have Enough Coverage

Costs change over time. Inflation causes costs to rise, and that means that your renter’s insurance can pay to replace fewer items if a covered event occurs. Reviewing your insurance gives you an opportunity to decide whether your coverage is enough, and if it isn’t, you can talk to your insurance agent about increasing that coverage. 

2. You May Identify Ways to Save Money

During your annual review of your renter’s insurance, you may notice that you have coverage that you no longer need. In addition, your insurance agent may be able to shop around and find a lower-cost policy that offers the same level of coverage you require. 

The professionals at All-Star Insurance Brokers Inc., servicing Aurora, CO, work with a variety of carriers. We’re happy to check with our carriers to determine if you have the best policy for your needs. If we can find a better policy for you, we’d be happy to help you make the switch. 

Are you not sure when to review your policy? Now is a great time! For consistency, we recommend doing it at the same time each year. Call today to learn more.