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All-Star Insurance Brokers Inc

2821 S Parker Rd Suite 455
Aurora, CO 80014

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Aurora CO

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.

Home Insurance For People Who Live Together

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Not many people in Aurora, CO have taken the time to read their entire homeowners’ insurance policy from front to back. Although they really should because there could be some interesting exclusions which they may not be aware of until something happens. Talk to your agent at All-Star Insurance Brokers Inc to find out about the coverage included in your policy.

One important exclusion to watch for is in relation to additional members of the household, such as a boyfriend or girlfriend, a roommate, a friend, or anyone else living in your home that you are not related to by blood or law. These people are classified as "other members" of the household on your home insurance policy. Unless you specifically adjust your policy, they may not be covered for liability or property damage claims.

Who Is Covered by Home Insurance?

You as well as any member of your household that you are related to by adoption, blood, or marriage are covered by your homeowners’ insurance policy. In addition, any minors in your full-time care, such as foster children, are also covered. These are the people in your household who will automatically be covered for personal belongings in the event of a catastrophic event such as burglary, burst pipe, or fire. They are also covered in the personal liability portion of the policy.

Unmarried couples whose names both appear on the deed are now typically covered without the need for an "other members" endorsement. However, it is always a good idea to check with your insurance provider to make sure this is the case with your specific policy.

Adult children and senior parents living in your household are also covered under your home insurance policy. This is because they are related to you by blood. Boyfriends, girlfriends, roommates and unmarried couples who are not both included in the deed will need to purchase an endorsement for "other members" coverage.

If you are not certain that all of the members of your Aurora, CO household are covered by your home insurance policy, contact All-Star Insurance Brokers Inc today. We will be happy to answer any questions that you have.

Why it’s important to protect your recreational vehicles

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The team at All-Star Insurance Brokers Inc is here to help the greater Aurora, CO community with their insurance needs. We know how great it is to get outside, especially into the beautiful natural areas that surround us. If you are a recreational vehicle enthusiast, it’s important to know how insurance can help protect you.

Why ATVs and other recreational vehicles require insurance

Many people who love riding ATVs and similar vehicles think that, because they ride on private land, they are not required to carry insurance. While this may be true in some instances, there are many reasons to have insurance for these types of vehicles. The main reason why it’s a smart idea to have insurance is liability concerns. If you are or someone riding your vehicle is involved in an accident or another injury-causing mishap, you will want to have liability insurance in place!

Additionally, if your recreational vehicle is damaged or stolen, you will not want to have to come 100% out-of-pocket to repair or replace it. Even when you are only riding your vehicle on private land, it still makes a lot of sense to have a basic insurance policy in place. If you ride on roads or other public areas, you will want to take a look at other more comprehensive policies.

Now is a great time to find out more!

Find out more today!

The team here at All-Star Insurance Brokers Inc is available to answer your questions about all types of insurance. If you are in the greater Aurora, CO area and would like to learn more, call or stop by our office today!

What Happens If Your Home’s Liability Insurance Maxes Out?

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At All-Star Insurance Brokers Inc, we’ve worked with many people in Aurora, CO, who have struggled when their liability coverage maxed out. This situation can cause many financial difficulties and must be approached with an appropriate level of caution. Here’s what you need to know. 

Maxed Out Liability is a Problem 

If your liability coverage maxes out due to a lawsuit or other similar liability concerns, you will be stuck paying any money left over. For instance, if your policy maxes out at $25,000 and you owe $50,000, your policy will cover half of it and leave you with another $25K to pay somehow.

Unfortunately, this may result in you struggling to pay various costs in a lawsuit, such as paying for a person’s medical care and much more. Therefore, you need to know how to avoid this problem by adjusting your policies and preventing severe complications.

How to Avoid Problems 

If you’re concerned about a high risk of liability problems at your home, getting umbrella insurance policies or increasing your liability protection in your standard coverage is crucial. Of course, you’ll pay more for this protection, but it will protect you if you run into any complications. 

Unfortunately, any problems you experienced before this policy are not covered, so you may still be in a challenging situation if your policy is maxed out. Therefore, it is vital to take steps before any problems occur to ensure you don’t get stuck in a bad situation.

Find Insurance That Makes Sense

Liability coverage is essential for your needs because it can keep you safe from serious financial difficulties if you get into a lawsuit. Thankfully, we at All-Star Insurance Brokers Inc can help Aurora, CO people get the help they need finding policies that make sense for them.

Will Recreation Insurance Cover a Car Accident?

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Recreational vehicles provide a fun and engaging experience that you can’t get with any other vehicle. But what if your RV gets damaged in a car accident? Are you protected? Let us at All-Star Insurance Brokers Inc walk Aurora, CO residents through this troubling and potentially costly financial situation.

What Is Recreational Insurance?

Recreational insurance is a type of insurance policy that helps to cover vehicles used mostly for recreational purposes. For example, four-wheelers, some types of RV, motorhomes, campers, fifth-wheels, and much more are all covered by this type of unique policy. 

Typically, coverage falls into both liability and property protection. Liability covers you if your vehicle causes any injury or if someone is hurt while in your vehicle. It can also help to protect against property damage. But does this policy type extend to car accidents? 

Does It Cover Accidents? Yes 

When you’re driving your recreational vehicle (such as if you’re moving a motorhome or camper) and you get into a car accident, you should be covered. Your vehicle’s policy covers any damage under its protection caused by the vehicle’s use, whether as a vehicle or as a home. 

For instance, if someone rear-ends your camper while you’re driving it to a camping spot, your recreational insurance will cover the damage. If you are hauling your vehicle, your recreational insurance policy may help you, though some auto insurance policies may also cover you. 

Find a Policy That Works for You

If you think that you need a high-quality recreational insurance policy, it is smart to contact us at All-Star Insurance Brokers Inc right away to learn more. Our team will work with Aurora, CO residents to find the best policy type and will work hard to ensure that you are covered.

How to Find the Right Renters Insurance Policy for You

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Aurora, CO is a beautiful place to live — many residents rent homes here and love the experience of living in Colorado without being tied down to a mortgage. However, if you’re a renter — do you have renter’s insurance? 

Renters Insurance in Colorado

Renters insurance may not be required by law in Colorado, but All-Star Insurance Brokers Inc advises all tenants to purchase renters insurance for many reasons. 

In the event of a fire, natural disaster, or other severe weather scenario, renters insurance protects all your belongings in the home. Your personal property is your responsibility, not the landlord’s, so it’s important that you have an insurance policy on those items should anything happen to them. 

This can include any major appliances you’ve purchased since living in the home, clothing, jewelry, laptops, cameras, TVs, and anything else you own. Imagine a fire destroys everything in your current home and you don’t have an insurance policy protecting your items. What would the financial loss be? 

Don’t put yourself in a vulnerable situation as a renter in Aurora, CO. Maybe you are trying to save money for a down payment on your first home; if disaster strikes and you have to replace your belongings, without an insurance policy you’ll have to start over at zero. 

To avoid any potential financial hardships, invest in a renters insurance policy. You may never need it, but on the off-chance that you do, you will be very grateful that you covered all your bases. For a low cost, you can have total peace of mind as a renter. 

Those looking for an affordable renters insurance policy should contact All-Star Insurance Brokers Inc. Our experienced agents can provide you with all the information you need. 

The Beginner’s Guide to RV Insurance

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A recreational vehicle (RV) is a great way to travel around the country with friends and family. In a state like Colorado, so much of the beautiful landscape and views have to be experienced from hikes, campsites, and other outdoor locations. Having an RV is the perfect way to experience all that Colorado has to offer in the most natural way.

There’s a lot to know about owning an RV in Aurora, CO, and we’re here to break down the basics. 

Similar to the way you have insurance policies for your home and cars, an RV should be adequately covered under its own insurance policy. Doing so protects you from any potential accident or damage to the vehicle. It also protects the financial investment you’ve made in purchasing a vehicle.

In Colorado, liability insurance is required for an RV. This typically covers damages or injuries that occur while driving.

You can also expect to have collision and roadside coverage when purchasing an RV insurance policy. The team at All-Star Insurance Brokers Inc. encourages all RV owners to shop around and determine what coverage really matters to them. Everyone uses their RV differently, so you will want to ensure that whatever policy you select is in line with the usage you intend to have. 

If you are unsure about what policy is the right choice, or if you are curious about using auto insurance to cover your RV, contact the experts at All-Star Insurance Brokers Inc. Operating out of Aurora, CO, our team has vast knowledge and experience with RV insurance and can help you select the right policy to match your needs.