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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

Tips for buying auto insurance for teen drivers

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Kids grow up fast. They turn 16, and next, they will learn how to drive, and soon they will be driving on Aurora, CO roads. Have you thought about insurance? How much and how can you save when purchasing it?  Well, All-star Insurance Brokers Inc. has all that figured out for you. Here are a few tips you can utilize to get the most out of auto insurance for your teen.

Sign your teen up for a safe driving class

Auto insurance for teens is pretty expensive. It’s almost impossible to tell whether they’re going to be good drivers since it’s their first time driving. Insurance companies, therefore, raise their premiums until they’re older and more responsible. To prove that your teen is a great driver, you can invest in enrolling them in safe driving schools to improve their driving skills. Most companies can reduce premiums with every completed class.

Talk to your teen about insurance.

It’s also essential to talk to your child about the dangers of reckless driving. Let them know that they’re responsible for their behavior and might be punished heavily for their actions. Careless driving could lead to license revocation and even jail time.

Get a safe used car

The more expensive the car, the higher the premiums—double that if you’re insuring a teen. If the car is expensive, spare parts and maintenance are equally expensive. Your auto insurance company will consider all this, including the possibility of accidents as your teen learns to drive. Consider getting them a standard vehicle until they have enough experience driving.

Add them to your policy.

If purchasing separate auto insurance is not an option for you, you can add your teen to your own auto insurance policy. Of course, your premiums will go up, but it’s more affordable than buying a whole new auto insurance policy.

Need more information on how to keep your teen safe on Aurora, CO roads? All-Star Insurance Brokers Inc. can help you and your teenager find a policy that matches your needs. We care about you and what matters to you. Call us to learn more.

Business Owners and Commercial Insurance

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As a business owner, you’re going to find yourself wearing many different hats. The list of responsibilities and duties which you must perform each week can sometimes feel overwhelming. At All-Star Insurance Brokers Inc., serving Aurora, CO, we want to help take off some of that stress. One of the biggest responsibilities felt by business owners is the stress of knowing it is up to you to protect your business from disaster or financial hardship. We are here to help with that. A solid commercial insurance policy can relieve this stress and strengthen your company. 

What Is Commercial Insurance?

Commercial insurance is a type of bundled insurance policy that can help business owners rest easy. This type of insurance product will have everything you need to make sure your money and time investments are well protected in your business. 

What Does Commercial Insurance Cover?

Although a knowledgeable insurance representative will customize a policy that suits your particular needs, there are a few general areas of coverage included in most commercial policies.

  • Property damage– Property damage insurance will assist if there is damage to your property or equipment because of fire, natural disaster, or burglary. The policy will help to pay for the repair or replacement of these things. 
  • Auto coverage– You must provide automobile insurance for any vehicles you use in your business’s operation. A commercial policy can cover this. 
  • Liability– Liability is a vital type of insurance coverage. If an employee or a customer is injured at your business or because of your goods and services, you and your company could be held responsible for any medical bills or legal fees which resulted. Expenses of this magnitude can leave a business owner financially vulnerable. A solid liability policy can protect you from this. 

If you would like to learn more, please contact us at All-Star Insurance Brokers Inc., serving Aurora, CO. 

 

Coverage Types in Home Insurance

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Coverage Types in Home Insurance

Few people kick back with a hot cup of coffee to read their homeowners’ policy, so you might not know why your bank requires you to carry it while you pay off your mortgage on your Aurora, CO home. Your home provides you with four handy types of coverage – liability, named perils, property damage, and contents coverage. All-Star Insurance Brokers Inc. wants you to understand this important policy and the insurance components to which you can add to it.

The liability component means if someone gets hurt on your property, their medical bills are covered. If they take you to court, you won’t have to pay out of pocket to pay a settlement.

The named perils component pays you for repairs to your home or its replacement if a named peril strikes. A named-peril means a natural hazard such as a tornado, hail, or lightning strike.

Property damage coverage reimburses you for repairs to your property from other types of damage. Let’s say your teen accidentally drives into the garage door. The door gets obliterated. Your garage door receives the same awesome coverage as your roof. You get a new garage door, and your home insurance pays for it.

The contents coverage component protects your personal belongings inside your home. If snowpack and ice weight cause your roof to give way, the items inside receive protection. Your snow-covered TV, bedding, stereo, etc., get replaced, paid for by this coverage of your homeowners’ insurance policy.

You can add to the coverage in the standard home policy. You can increase your liability coverage, add jewelry coverage, cover a home business, etc. Call All-Star Insurance Brokers Inc., serving Aurora, CO, to obtain or expand your coverage today.

Who should get recreational insurance in Colorado?

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Those that are in the Aurora, CO area will find that there are many recreational options available to them. To ensure that you can enjoy your experience in this area of the state, getting your own recreational vehicle can be a good option. Those that are going to purchase one of these assets should also consider their insurance needs. There continue to be many situations when having additional recreational insurance is a good option.

Those Wanting to Protect Asset Need Insurance

If you are going to buy a recreational vehicle, you will be making an investment that you will want to have paid off for years to come. One of the best ways that you can make this happen is by getting a recreational insurance policy. With one of these policies, you will know that you are covered if the vehicle is stolen or damaged.

Those that Want Liability Protection Should Get Coverage

It would be best to get a recreational insurance policy when you want to get liability coverage. There is always going to be some risk associated with operating these vehicles. If you make a mistake that leads to damages, you will have to pay to cover them. Fortunately, with a recreational insurance plan, you will have the coverage needed to offset this risk. 

If you are going to buy a recreational vehicle and are in the Aurora, CO area, you will want to know that you have proper insurance at all times. One company that can help you better understand your insurance needs and choose a policy is All-Star Insurance Brokers Inc. When you work with All-Star Insurance Brokers Inc, you will get the guidance needed to understand your needs and options while also picking a quality policy. 

What Does Renter’s Insurance Cover?

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At All-Star Insurance Brokers Inc in Aurora, CO, our agents understand the importance of renters insurance, but the question is, do you? While renters’ insurance is not required under Colorado’s laws, it may be required by your landlord or property management company, but even if it is not, having a policy in place is a great idea.

Renters’ Insurance Coverage

If the house, apartment, or other types of residence you rent happens to catch on fire, is vandalized, or is destroyed or damaged by a natural disaster, the structure itself will be covered under your landlord’s insurance. Still, it will not cover your personal property. This includes your clothing, appliances that you purchased, furniture, and other items that belong to you. In other words, you can lose everything you own and have to start over from scratch. A renters insurance policy will help you replace all of those items, so you do not have to shoulder the entire cost. Renters’ insurance will also cover any of your belongings that are stolen if your home is burglarized.

Get Your Policy Started

Renters’ insurance policies are very inexpensive, but the coverage you receive, not to mention the peace of mind, is important to your future and sanity. If a disaster occurs, you want to be prepared so that you can continue to move forward in your life.

To create the best insurance policy for you and your situation, you will want to enlist an experienced renters’ insurance agent’s assistance. At All-Star Insurance Brokers Inc in Aurora, CO, our agents are prepared to provide you with a quote and get your policy started today! Please call for an appointment.

How to Avoid Accidents in Your RV

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If you’ve recently purchased an RV in Aurora, CO, you might be a little intimidated by its sheer size. If you’re looking to avoid accidents, it will take a lot of practice on your part. The good news is that it’s certainly not impossible. Here are a few tips to keep you safe from All-Star Insurance Brokers Inc. 

Know the Difference 

An RV is really nothing like a standard automobile. The best place to try it out is in an empty parking lot, where you can make numerous mistakes when it comes to reversing, parking, and even from now on. Ensure that your mirrors are perfect, and don’t be afraid to adjust them numerous times before finding the perfect balance. 

Watch the Weather 

If you’re in Aurora, CO, you know how tricky the forecast can be. And of course, if you’re headed across the country, the weather can change drastically from one mile to the next. If there’s some tough weather in front of you, it’s time to pull over and wait it out. From fog to thunder to hail, it’s just not worth the risk. 

Stay Fresh 

When you’re going on a road trip, the temptation is to get a few extra miles in. But driving when you’re tired is often no better than driving when you’re under the influence. It would help if you were alert and clear-headed to avoid a collision. 

All-Star Insurance Brokers Inc. knows what it means to be safe in your vehicle, which is why we offer several RV insurance policies to ensure you have all the protection you need. If you’re interested in learning more about how the right RV insurance for you, give us a call today to see how we can help. 

3 Reasons You Need Motorcycle Insurance

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If you ride a motorcycle in Colorado, you should have motorcycle insurance to protect yourself against accidents on the road. Motorcycle accidents can happen at any time, even to safe riders. Your motorcycle is also prone to theft, vandalism, weather damage, and damage caused by uninsured drivers. Motorcycle insurance from All-Star Insurance Brokers Inc. can protect you from these incidents and more. Here’s why you should have quality motorcycle coverage.

Accidents Happen

Accidents happen – that’s a fact. Without insurance protection, you face the financial consequences of these accidents on your own. As motorcycles are smaller than vehicles, they’re harder to see on Aurora, CO roadways. This puts riders at greater risk of accidents. The right insurance coverage will protect you against injuries and property damage in an accident to save you thousands of dollars out of pocket.

It’s the Law!

Motorcycle liability insurance is required in Colorado by law. Liability insurance pays for the injuries and property damage of others in accidents you cause. If you cause an accident involving several drivers, you could be held responsible for their injuries and vehicle repair costs. Liability insurance covers these expenses and protects you from a lawsuit if you are sued for damages. Colorado requires that all drivers, including motorcycle riders, carry minimum liability coverage.

Covers Theft of Your Bike

Motorcycle theft is not uncommon, both in the city and when hitting the road to far-flung places. If your bike is stolen during your travels, comprehensive insurance will help compensate you for your loss. If your bike is damaged by bad weather during your trip, comprehensive will help cover repair costs. The more expensive your bike, the more importance you should place on insurance coverage.

To learn more about motorcycle coverage and costs, contact All-Star Insurance Brokers Inc, serving residents in Aurora, CO.

Three common misconceptions about boat insurance

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If you are a boat owner in Aurora, CO, it’s vital that you select an appropriate boat insurance policy for your needs. At All-Star Insurance Brokers Inc., we provide boat insurance coverage.

When you make decisions regarding boat insurance, it’s important that your decisions aren’t swayed by any misconceptions about this type of insurance. The following are three common misconceptions to be aware of when it comes to boat insurance.

Boat insurance will cover me regardless of how far from home I am.

One of the most important things to know about boat insurance is that boat insurance policies usually involve geographic limits. This means that your boat insurance won’t be in effect if you’re far from home.

It’s important to be aware of these limits when you’re boating, so you understand the risks of traveling far away by boat.

A homeowner’s insurance policy will cover my boat.

Some homeowner’s insurance policies may offer limited coverage for a boat. However, homeowners’ insurance will usually only cover a boat while it’s on your property. When your boat is off your property, you will need a separate boat insurance policy to enjoy the coverage. 

Boat insurance isn’t necessary.

Some boat owners believe that boat insurance isn’t necessary because it is not required by law in most states.

Even though states may not require boat insurance, it’s still essential to have. Without boat insurance, you face financial risks from liabilities. Without boat insurance, you also risk losing your boat in an accident and not receiving any compensation to replace it. 

Get started finding the right boat insurance policy in Aurora, CO today. We can help at All-Star Insurance Brokers Inc. Contact us to learn about our insurance offerings or to get a quote on a policy. 

Why should I get an umbrella insurance policy in Aurora?

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Those that are in the Denver or Aurora, CO area will likely have many different personal insurance needs. One form of insurance that should be taken seriously is umbrella insurance. When you have this coverage, it will provide you with additional personal liability coverage on top of other policies. There are several reasons that someone here should get additional personal insurance protection. 

You Want More Liability Coverage

One reason that you should get an umbrella insurance policy in this area is that you will want to have more liability coverage. A home or auto insurance policy will usually come with a certain level of liability coverage. While this is often more than enough to meet a claim, there are situations when damages could be excessive and more protection is needed. With an umbrella policy, you are going to receive this added protection. 

You Want Coverage for More Situations

You will also want to get an umbrella policy if you want to get coverage for more situations. A home and auto insurance policy can offer you adequate coverage for situations that fall under those policies. However, there are a lot of people that take on additional risks regularly that could fall outside of those policies. If this is the case for you, having more conclusive coverage under an umbrella policy is a good idea.

As you are looking for a new umbrella insurance policy in the Denver or Aurora, CO area, you should reach out to the team All-Star Insurance Brokers Inc. When you speak with the team at All-Star Insurance Brokers Inc., you can learn a lot more about your options. We can guide you with selecting a policy that provides you the right level of personal liability insurance coverage. 

Why should I get an umbrella insurance policy in Aurora?

Posted on by admin

Those that are in the Denver or Aurora, CO area will likely have many different personal insurance needs. One form of insurance that should be taken seriously is umbrella insurance. When you have this coverage, it will provide you with additional personal liability coverage on top of other policies. There are several reasons that someone here should get additional personal insurance protection. 

You Want More Liability Coverage

One reason that you should get an umbrella insurance policy in this area is that you will want to have more liability coverage. A home or auto insurance policy will usually come with a certain level of liability coverage. While this is often more than enough to meet a claim, there are situations when damages could be excessive and more protection is needed. With an umbrella policy, you are going to receive this added protection. 

You Want Coverage for More Situations

You will also want to get an umbrella policy if you want to get coverage for more situations. A home and auto insurance policy can offer you adequate coverage for situations that fall under those policies. However, there are a lot of people that take on additional risks regularly that could fall outside of those policies. If this is the case for you, having more conclusive coverage under an umbrella policy is a good idea.

As you are looking for a new umbrella insurance policy in the Denver or Aurora, CO area, you should reach out to the team All-Star Insurance Brokers Inc. When you speak with the team at All-Star Insurance Brokers Inc., you can learn a lot more about your options. We can guide you with selecting a policy that provides you the right level of personal liability insurance coverage.