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All-Star Insurance Brokers Inc

2821 S Parker Rd Suite 455
Aurora, CO 80014

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All-Star Insurance Brokers Inc

Why Home Insurance Is So Important

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If you are a homeowner, there are many ways that you protect your home and belongings. One of the important methods for doing this is to have a home insurance policy. These policies offer a number of protection types so that you are well-protected against many possible risks. Your mortgage lender will require you to have this coverage because it’s so important to have it in case of a damaging event.

If you’re buying a house and need home insurance, you can call us at All-Star Insurance Brokers Inc in Aurora, CO.

Benefits of Home Insurance 

It Covers Your Home

The home that you purchased is likely your largest investment, and you need to protect it with insurance. Home insurance covers the dwelling so that they are protected against a large number of possible events. From disasters to accidents, this insurance keeps you covered where it counts. If you didn’t have this coverage, you would have to come up with the funds to repair your home after a damaging incident. This can be an enormous expense, so it’s always best to stay covered with home insurance. 

It Protects Your Possessions

Next to your investment in your home, your next largest investment is likely in your things. Your possessions have a lot of value, and it may e hard to imagine how much it would cost to replace them all. If an event caused significant damage to your items, your home insurance can pay for them to be replaced. You need this converge so that you aren’t left to pay for everything on your own. Never go without this important coverage. 

Get a Home Insurance Policy

When you are about to buy a home, you need to have your home insurance arranged to be in effect from day one. Call us at All-Star Insurance Brokers Inc in Aurora, CO.

Why is it helpful to have a recreational insurance plan in Colorado?

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If you are in the Aurora, CO area, you are likely aware that there are many great recreational activities to enjoy. If you do want to enjoy all that this area has to offer, owning your own recreational asset is a good idea. Along with this purchase, you do need to get the right insurance.

There are various reasons why having a recreational insurance plan is helpful:

You Want to Protect Asset

An important reason that anyone here will want to get a recreational insurance plan is so they can protect their assets. When you are looking to invest in one of these assets, you will likely find that it can cost a lot of money and take a lot of work to keep in good condition. If you have a recreational insurance plan, it will give coverage ot ensure this asset is covered and protected. 

Reduce Risk of Liability Claims

Having a recreational insurance plan is also a good idea as it will give you some support against liability claims. When you use one of these assets, there is always a chance you can cause damage in an accident. Fortunately, if you do have a recreational insurance plan, it will offer the support you need to offset this risk. 

Contact Us Today

Having a recreational insurance plan can clearly be a good idea if you are in the Aurora, CO area. When you are looking for any type of coverage for your recreational asset here, calling the team with All-Star Insurance Brokers Inc is a good first start. The professionals at All-Star Insurance Brokers Inc know how important your recreational asset is and they will give any guidance you need to build an ideal policy that will meet your needs. 

3 Key Areas Covered By Renters Insurance

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Most people prefer renting an apartment as it provides freedom to live anywhere in the state. For some, it’s to evade the responsibilities of owning a home, like pest control, yard work, maintenance, or trash removal. It, however, does not eliminate the need to buy insurance while renting an apartment. Your landlord’s insurance only insures the grounds and buildings against damage or loss. That’s why you should have renters’ insurance. 

Our experienced team at All-Star Insurance Brokers Inc. in Aurora, CO can help you navigate this vital coverage.

What does renters insurance cover?

Here are the key areas:

  • Personal liability coverage: Accidents to others, causing bodily injuries or property damage, can happen within your apartment. For example, a visitor’s slip or fall may result in injuries requiring medical attention. Your liability coverage would pay for the resulting medical expenses or legal charges if you get sued.
  • Personal belongings coverage: Your house is where most of your valuables are, for example, electronics, appliances, furniture, clothing, books, and much more. The coverage replaces your belongings in case of damage or loss due to a covered peril.
  • Additional living expenses: Your renters insurance also covers additional living expenses. If your home, for example, gets damaged to an extent it becomes unlivable, this policy puts you in a temporary living place as repairs are ongoing. It may also pay for meals, laundry, pet boarding, and other expenses.

Get Renters Insurance Today

Most people underrate the importance of renters insurance because it does not cover the building. The fact that it protects your personal belongings and pays for the additional living expenses and lawsuits is reason enough to invest in renters insurance. Furthermore, renters insurance is affordable and gives you peace of mind. Ready to purchase renters insurance in Aurora, CO? Contact All-Star Insurance Brokers Inc. for an affordable quote.

RV Insurance 101: Why Should You Buy it?

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Do you think that RV insurance is an unnecessary expense? You’re not alone. Many people believe that since their RV is paid off, they don’t need to insure it. But if something happens while you’re on the road, that "unnecessary" expense could save you a lot of money. All-Star Insurance Brokers Inc. in Aurora, CO can provide you guidance on the benefits of RV insurance and why it’s essential.

Here are a few reasons why:

Liability Protection

If you’re in an accident and it’s determined that you’re at fault, your RV insurance will cover the damage to the other vehicle. It will also cover any medical expenses for the other people involved in the accident. If you don’t have RV insurance and are at fault, you could be responsible for paying all those expenses out of pocket.

Collision and Comprehensive Coverage

If your RV is damaged in an accident or by something other than a collision (like fire, theft, or vandalism), your comprehensive collision coverage will pay to repair it. If your RV is totaled, you’ll receive the actual cash value of your RV minus the deductible. Again, if you don’t have this coverage, you’ll be responsible for paying for repairs or replacement out of pocket.

Towing and Roadside Assistance

Towing and roadside assistance can be quite expensive. If you have RV insurance, these services are usually covered by most policies. But if you don’t have the coverage, you’ll be responsible for paying for it out of pocket if your RV breaks down on the side of the road.

Personal Property Coverage

If you keep any personal belongings in your RV, they may not be covered by your auto insurance policy. But if you have RV insurance, your personal belongings will be covered if damaged, destroyed, or stolen. The last thing you want is to lose your belongings while you’re on the road with no way to replace them.

Purchase RV Insurance Today

RV insurance is essential coverage to have if you own an RV. It can protect you from financial ruin in the event of an accident or other mishap. And while it may seem like an unnecessary expense, it could save you a lot of money in the long run.

So make sure you’re properly protected by contacting All-Star Insurance Brokers Inc. in Aurora, CO today to purchase RV insurance. We’ll ensure you’re properly covered so you can relax and enjoy your time on the road. Give us a call today to get started!

5 Things You Need to Know About Motorcycle Insurance

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If you’re a motorcycle enthusiast, you know that owning and riding a bike comes with its own risks. And while you may do everything in your power to stay safe on the road, accidents can still happen – which is why it’s important to have the right insurance policy in place. 

All-Star Insurance Brokers Inc in Aurora, CO can help you navigate this important insurance coverage.

Here are five things you need to know about motorcycle insurance:

1. Different States Have Different Requirements

Every state has different laws regarding motorcycle insurance, and it’s important to be aware of the requirements in your state. You could face serious penalties if caught riding without the required insurance.

2. You Can Get Different Types of Coverage

Just like with car insurance, there are different types of coverage available for motorcycles. The most common type is liability insurance, which covers damages caused by the rider to someone else. Other types of coverage include collision and comprehensive insurance, which cover damages to the rider’s own motorcycle.

3. You’ll Need to Consider Your Deductible

When choosing a motorcycle insurance policy, you’ll need to decide on the amount you would be able to pay out-of-pocket in the event of an accident before your insurance would cover the rest. This is called your deductible, and it can greatly impact your premium.

4. Add-Ons Can Customize Your Coverage

A number of add-ons or riders can be added to a motorcycle insurance policy to customize the coverage. Some common add-ons include roadside assistance, trip interruption, and custom parts and equipment coverage.

5. Motorcycle Insurance is Generally Affordable

Motorcycle insurance is typically less expensive than replacing a bike or repairing damages out-of-pocket. However, the cost of motorcycle insurance will vary depending on factors such as the type of bike, the rider’s age and driving record, and the amount of coverage.

Get Motorcycle Insurance Today

All-Star Insurance Brokers Inc in Aurora, CO offers motorcycle insurance that will protect you and your bike. We have a wide range of coverage options to choose from, so you can find the perfect policy for your needs.

Contact us today to get a quote on motorcycle insurance.

What is included in a standard boat/watercraft insurance?

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During the warm summer months of the year, many people in the Aurora, CO area will want to get outside and enjoy all of the local lakes and rivers. One way that you can enjoy your experience here to the fullest is by investing in your own boat. Along with a boat, you also need to have insurance for it. There are various forms of coverage that make boat or watercraft insurance a good option. 

Coverage for Boat

One type of coverage that is standard in a boat insurance plan is coverage for your boat. If you purchase any type of watercraft, there will be a chance that it could be involved in an accident or it is stolen. As you will need to invest to acquire and maintain your boat, protecting the investment is important. With a boat plan, you will get the coverage necessary to ensure you can repair or replace this asset. 

Liability Support

If you are going to drive a boat, there will always be a risk that you could cause an accident that results in damage. If this does occur, you will have to cover the costs associated with it. Fortunately, you are often able to mitigate this risk if you have a boat insurance plan as it will include a provision for liability coverage that will offer protection if you are found to be at fault. 

Give Us A Call

Boat insurance should always be considered a necessity for owners in the Aurora, CO area. Once you are ready to start looking for coverage, you should call All-Star Insurance Brokers Inc. The team with All-Star Insurance Brokers Inc will give any support that you need to build and select your next plan. This will help ensure you remain appropriately protected. 

What is the value of having an umbrella insurance plan in Ohio?

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Liability risk is something that all people in the Aurora, CO area need to take seriously. As the risk of being named liable for an accident can be significant, you will want to ensure that you remain insured against the concern. A great way this can be done is by getting an umbrella insurance policy. This type of coverage offers various benefits and forms of value that can make it a good investment for you.

Why You Need Umbrella Insurance

Reduce Risk of Major Claims

One of the reasons you should have an umbrella insurance plan is so you can reduce the risk of being named liable in a major claim. Most people will have liability coverage through home, auto, and other insurance plans. However, those policies will always have an annual and per-incident limit. If you have an umbrella insurance plan, it will give the coverage you need on top of the base insurance plan.

Prepare for the Unexpected

It would also be a good idea to get an umbrella insurance plan to ensure you are able to prepare for the unexpected. There is always a chance that you could be named liable for some type of accident that you are not expecting. In some cases, these may not be covered by other insurance plans. With an umbrella insurance plan, you will receive more blanket coverage that will protect against other risks. 

Contact Us Today

Getting a proper umbrella insurance plan is a good idea for many people in the Aurora, CO area. When you are ready to start shopping for a new policy here, starting your search with All-Star Insurance Brokers Inc is a good option. The professionals with All-Star Insurance Brokers Inc can offer any support that you need to build a plan that will meet your needs. 

Moving to a condo? Don’t forget about insurance!

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If you are in the process of buying a condo in the greater Aurora, CO area, it’s time to meet the team at All-Star Insurance Brokers Inc. We will help you find the right insurance to fully protect your new home.

Finding the right condo insurance for your needs

Owning a condo is a great step toward a low-maintenance lifestyle. Of course, this doesn’t mean that a condo doesn’t require any maintenance or upkeep at all. Condo living can be a lot more carefree than living in a house, but it is not without its responsibilities. When it comes to protecting your unit, there are a number of different options available. It’s important to understand the unique needs of condo insurance protection.

A condo building generally has an overall insurance policy that covers the building structure and common areas. Unit owners are required to hold their own policies to protect the interiors of their units along with their belongings. Determining the correct level and amount of insurance coverage for a condo policy is an important decision.

When a condo owner experiences damage to their unit, it is usually their responsibility to fix it. This can even be the case if the damage is the fault of another unit owner. Accounting for this reality is an important part of the selection policy when it comes to choosing the right policy. 

We are here to help with all types of insurance

Aurora, CO residents can rely on All-Star Insurance Brokers Inc. for condo or any other type of insurance. If you are thinking of purchasing a condo, let us help you find the right policy for you! Come by our office, or give us a call today.

Why you may need more than basic auto insurance coverage

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In order to drive a vehicle or to register a vehicle in Colorado, you must have the required auto insurance coverage. That is liability coverage that protects other drivers from you and an accident that you might be responsible for. At All-Star Insurance Brokers Inc in Aurora, CO, we are independent insurance agents and we provide our customers with personalized insurance services. We can answer the questions you may have about basic coverage and if it is the right option for you. 

Basic auto insurance coverage

In Colorado to drive a vehicle, you need basic insurance in the amount of 25/50/15. That pays out $25,000 for the first injury in an auto accident you are responsible for and a total of $50,000 for all injuries in any one accident,  with an additional $15,000 for damage to property. If you have few assets, this might be enough coverage, but if the expenses for the accident go higher than that, you could be left responsible for paying them out of your pocket. 

Additionally, if you have a car loan or lease your vehicle, you will be required to have coverage on your vehicle itself. The lender or the leaser wants their investment protected.  

If you own your vehicle outright, is basic insurance a good option? Only if your vehicle has almost no value or if you don’t use it for all your activities every day of the week. If you have the cash to repair your vehicle if it was damaged in an accident or to replace it if it was stolen, then you can get away with just the most basic auto insurance. If, however, like most of us, you count on your vehicle and don’t have lots of available cash, then collision and comprehensive insurance are important. 

Contact All-Star Insurance Brokers Inc in Aurora, CO to talk about your auto insurance needs. 

Why home-based businesses need commercial insurance

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More and more people are opting to operate a home-based business. Using your home requires less outlay of cash initially since you don’t need to pay rent or buy a building. But there is a temptation when your business is located in your home to assume that your home insurance will protect your business the same way it protects your home. All-Star Insurance Brokers Inc. in Aurora, CO has the expertise to help you make sure that you have the coverage necessary to protect your business.

Home property insurance protects your home from lots of perils. It is designed to be personal, not commercial. If your business located in your home were destroyed, you would find that a lot of the things you rely on for your business operations would not be covered by your home policy. Commercial insurance is designed to protect your inventory and any tools or machinery you might need to do business. You might get some coverage with home insurance, but not what you need. 

Home liability insurance protects you from injuries that a visitor might incur to your home. If you have customers or vendors who come to your home on business and are injured, your home insurance will not cover you. It would be best if you had commercial liability insurance to offer you the correct liability insurance. 

If your business cannot operate because of a covered peril, the insurance will provide the money you need to meet normal expenses with business interruption insurance. That includes paying bills and meeting the payroll, even paying yourself. Nothing on your home insurance would do this for you. 

If you have even one employee, you need to have workers’ compensation coverage for them.

Contact All-Star Insurance Brokers Inc. in Aurora, CO when you need commercial insurance information.