HOW CAN WE HELP YOU?

mobile callClick to Call
All-Star Insurance Brokers Inc

2821 S Parker Rd Suite 455
Aurora, CO 80014

mobile mapGet Directions

All-Star Insurance Brokers Inc

Commercial Insurance for Every Threat Your Company Faces

Posted on by admin

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?

Posted on by admin

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.

Two Reasons to Review Your Renters Insurance Annually

Posted on by admin

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. 

Is It a Good Idea to Purchase Separate RV Insurance For an RV Rental?

Posted on by admin

If you would like to learn more about RV or recreational insurance before you set out on the open road, please reach out to our expert team at All-Star Insurance Brokers Inc., proudly serving Aurora, CO. We strive to offer superior customer service and top-quality insurance products. Get the security you need to enjoy your trip, knowing you’re protected. 

Recreational Insurance Protection

It’s very important to evaluate a reasonable decision to make separate coverage for RV rental, considering all the possible risks and benefits. Where the rental companies provide safeguard policies as an option, the risks may come in the form of limitations or high deductibles that could leave you vulnerable if an accident or damage happens. Going for separate RV rental insurance will allow you to enjoy more comprehensive coverage. Besides its liability protection, it also comes with extensive trailer and collision coverage and personal property protection within the RV. This extra insurance may offer that peace of mind, allowing you to worry-free of the unexpected costs, knowing they are covered, and enjoy your trip that is more secure.

However, before deciding, you should examine all the rental agreements and individual insurance policy terms and conditions to get information about the coverage limits, exclusions, and any possible overlaps. Communicating with experts in insurance or lawyers can further improve your understanding of any unclear points, and these advisors will help you to be certain that your choice is based on your needs and preferences. Lastly, correctly speaking, getting stand-alone RV insurance for an RV rental is a practical and preventive move aimed at protecting your investments and thus enabling you to enjoy an amazing travel recreational activity. 

Recreational Insurance Near Aurora, CO

Get the blanket of protection you need to set out confidently on the road. Our professional agents at All-Star Insurance Brokers Inc. deliver the support and service you need to make the process of selecting the right policy easy and convenient. Please call or stop by our office today to get started. 

Is It a Good Idea to Purchase Separate RV Insurance For an RV Rental?

Posted on by admin

If you would like to learn more about RV or recreational insurance before you set out on the open road, please reach out to our expert team at All-Star Insurance Brokers Inc., proudly serving Aurora, CO. We strive to offer superior customer service and top-quality insurance products. Get the security you need to enjoy your trip, knowing you’re protected. 

Recreational Insurance Protection

It’s very important to evaluate a reasonable decision to make separate coverage for RV rental, considering all the possible risks and benefits. Where the rental companies provide safeguard policies as an option, the risks may come in the form of limitations or high deductibles that could leave you vulnerable if an accident or damage happens. Going for separate RV rental insurance will allow you to enjoy more comprehensive coverage. Besides its liability protection, it also comes with extensive trailer and collision coverage and personal property protection within the RV. This extra insurance may offer that peace of mind, allowing you to worry-free of the unexpected costs, knowing they are covered, and enjoy your trip that is more secure.

However, before deciding, you should examine all the rental agreements and individual insurance policy terms and conditions to get information about the coverage limits, exclusions, and any possible overlaps. Communicating with experts in insurance or lawyers can further improve your understanding of any unclear points, and these advisors will help you to be certain that your choice is based on your needs and preferences. Lastly, correctly speaking, getting stand-alone RV insurance for an RV rental is a practical and preventive move aimed at protecting your investments and thus enabling you to enjoy an amazing travel recreational activity. 

Recreational Insurance Near Aurora, CO

Get the blanket of protection you need to set out confidently on the road. Our professional agents at All-Star Insurance Brokers Inc. deliver the support and service you need to make the process of selecting the right policy easy and convenient. Please call or stop by our office today to get started. 

Will boat insurance protect me if I cause an accident?

Posted on by admin

Boat Insurance: Unfailing Support in Case of Accidents in the Aurora, CO Area

In the Aurora, CO area, owning a boat can be a great idea and personal goal. A boat allows you to relish the local lakes and waterways in the region. However, it is crucial to have insurance for your boat, especially if you accidentally cause damage. Boat insurance provides various forms of backing if an accident occurs.

Coverage for Damages Impacting Other Parties

One of the reasons you would want to possess a boat insurance plan in case of an accident is that it can cover damages inflicted on another party’s property. If you accidentally cause an accident, the expense of renovating another boat or different property could be substantial. However, you will receive the support necessary to cover these costs if you are insured.

Coverage for Your Boat

A comprehensive boat insurance plan also helps you repair your own boat. The cost of repairing your vessel after an accident can quickly escalate. Fortunately, a comprehensive boat insurance plan provides the support needed to repair or even replace your boat if necessary.

Get a Great Insurance Plan for Your Boat with All-Star Insurance Brokers Inc.

If you are set to own a boat in the Aurora, CO area, it would be wise to carry insurance. When looking for a new insurance plan, starting your search by contacting our All-Star Insurance Brokers Inc. team would be a great idea. When you contact All-Star Insurance Brokers Inc., we can help you evaluate your options to build a plan that best suits your circumstances.

Understanding How Umbrella Insurance Covers Legal Defense Expenses

Posted on by admin

Understanding Legal Defense Coverage of Umbrella Insurance in Aurora, CO

All-Star Insurance Brokers Inc. stresses that umbrella insurance should be part of your financial safety plan. This insurance is like an additional security blanket, filling in the coverage gaps beyond standard home and auto insurance policies. However, its utility is often misunderstood, especially when it comes to its provision for legal defense costs.

The Role of Umbrella Insurance: Legal Defense Coverage

A prominent benefit of umbrella insurance is its coverage for legal defense expenses. If you’re sued for damages within the realm of your policy, your umbrella insurance provider takes care of legal fees, court costs, and associated charges. This is a lifeline, particularly in lawsuits where legal expenses quickly accumulate.

Legal Matters Under Umbrella Coverage

Umbrella insurance offers a safety net for several legal issues, including but not limited to bodily injury, property damage, defamation, and personal liability cases. You may be confronting a lawsuit from an auto accident, a slip-and-fall incident at your property, or a libel case backed by social media posts, and umbrella policy steps in to manage the legal defense costs.

Importance of Sufficient Coverage Limits

Ensuring that your umbrella insurance policy has sufficient coverage limits to safeguard your assets and future earnings, particularly when legal expenses can surge rapidly, is crucial. Inadequate coverage can put you at a personal risk of bearing costs exceeding what your insurance covers.

Benefit from a Consultation with Insurance Professionals

To fully appreciate the aspects of legal defense coverage under umbrella insurance and identify the appropriate coverage that fits your needs, it’s advisable to consult an experienced insurance professional like All-Star Insurance Brokers Inc. Our professionals are trained to analyze your risk factors and suggest a policy providing extensive protection at an affordable price.

Engage with All-Star Insurance Brokers Inc.

At All-Star Insurance Brokers Inc., our goal is to answer all your queries concerning umbrella insurance. Serving Aurora, CO, we welcome you to reach out to us today and ensure your financial security.

Four mistakes to avoid when you buy condo insurance

Posted on by admin

Insure your condo in Aurora, CO, with an insurance policy from us at All-Star Insurance Brokers Inc. It’s important to make the right decision when buying condo insurance and to avoid mistakes that could cost you.

Here are four mistakes to avoid when you buy condo insurance. 

Failing to read over your policy carefully

Condo owners should read the fine print of any condo insurance policy they’re interested in buying. Reading over your policy will help ensure that you fully understand the coverage that you have for your property. 

Thinking you don’t need added liability coverage

It’s unpleasant to think about the possibility that you’ll face a lawsuit as a condo owner. Unfortunately, it’s always a possibility that you could face liability issues down the road. That’s why you should invest in added liability coverage to protect your assets. 

Neglecting to update your condo insurance policy periodically

Condo owners may want to update their condo insurance coverage once in a while. You’ll want to change your coverage if your financial situation changes or if you invest in costly renovation projects that impact your condo’s value. 

Assuming you’re covered for flood damage

Condo insurance policies don’t usually come along with coverage for flood damage. If you live in an area where flooding is likely, you’ll need to invest in a separate flood insurance policy. Otherwise, you could be left having to pay for flood damages out of your pocket. 

Call us at All-Star Insurance Brokers Inc. if you need to insure your condo in Aurora, CO. We’ll be happy to give you the coverage you need to protect your investment in your home. 

Things You Don’t Know About Auto Insurance

Posted on by admin

At All-Star Insurance Brokers Inc., our team knows that car insurance can sometimes be confusing. That’s why we’ve prepared this important list for Aurora, CO, residents to read through. It highlights things that might confuse many people and simplify your shopping. 

Credit Rate Affects Insurance 

Credit affects almost every facet of our financial lives, and insurance is no different. If you have a poor credit score, your insurance may go up. Furthermore, reducing your debt and improving your score can help with your insurance rate and may help you save good money. 

Regular Checkups Are Smart 

While it’s true that many insurance teams provide loyalty bonuses to their consumers, these might not offset the discounts you’d get working with another team. As a result, it’s a good idea to regularly check what other insurance companies are charging to ensure you’re paying a fair rate. 

Paying Upfront Saves Money 

Do you have a buddy who likes to pay their whole premium for the year upfront? That’s an intelligent person: you should follow their example! They’re probably saving a lot of money on their policy because insurance companies love it when you pay for everything simultaneously.

Your State Affects Your Insurance 

Thankfully, Colorado isn’t one of the country’s most expensive auto insurance states. It’s also not one of the lowest; it’s somewhere in the middle. It might surprise you to know that rates can vary so much between states, but different laws can dictate insurance cost and quality.

We’re Here for You 

At All-Star Insurance Brokers Inc., our crew of professionals understands your Aurora, CO car insurance needs and will do whatever we can to help you. No matter what kind of vehicle you own, we can give you the support needed to save money and protect your vehicle.

What Commercial Insurance Coverages Do BOPs Include?

Posted on by admin

Business owners policies (BOPs) are a popular insurance choice for many small and medium-sized businesses in Aurora, CO. Here’s what coverages BOPs commonly include.

Overview of BOPs

A BOP bundles various types of insurance coverage into one package, making it a cost-effective and convenient option for business insurance. These tend to be basic coverages that most small businesses need. While BOPs are customizable, they typically focus on a few critical protections:

  • Property Insurance: Normally covers damage to buildings, equipment, and inventory. 
  • Business Interruption Insurance: Business income insurance normally covers lost income and additional expenses when your business cannot operate due to a covered event, such as a fire or natural disaster.
  • Liability Protection: Normally covers your business in case of lawsuits for bodily injury, property damage, or personal and advertising injury. This would likely cover a slip-and-fall accident on your business’s property if you have a physical location in Aurora, CO.

Additional Coverages and Customization

While these are the core coverages, some BOPs can be customized with additional protections. Options can vary, but they might include

  • Commercial Auto Insurance: This is likely required if your business has a commercially registered vehicle.
  • Cyber Liability Insurance: Likely crucial if your business handles sensitive customer data.
  • Professional Liability Insurance: Likely important if you provide professional services.

Wee at All-Star Insurance Brokers Inc. can help with all these coverages if your business needs them.

Learn More About BOPs

Are you interested in learning more about BOPs and how they can safeguard your business? Contact All-Star Insurance Brokers Inc. and one of our agents will gladly help you decide whether this is the right type of insurance for your business.