Name: Advantage Service Insurance
Address: 695 Pierce Street, Suite 210, Erie, CO, 80516
Telephone: 303-500-5020

Should I Do A Home Inventory for My Home Insurance?

Posted on September 30, 2025September 17, 2025 by admin

Home insurance is designed to protect you from financial loss if a covered event occurs. The professionals at Advantage Service Insurance, serving Erie, CO, can help you find the best home insurance policy to meet your needs.

If you already have a home insurance policy, keeping a home inventory can be a valuable tool during the recovery process, especially if your home suffers a total loss. Here’s what you need to know about creating and maintaining a home inventory.

What Is a Home Inventory?

A home inventory is a detailed record of everything in your home. Some homeowners prefer to keep their inventory in a spreadsheet on their computer, while others use apps specifically designed for home inventory management. This record should include relevant details such as item descriptions, purchase prices, and dates of ownership.

Is a Home Inventory Required for Home Insurance?

While some home insurance policies require policyholders to maintain a home inventory, others do not. If your policy requires a home inventory, your insurance agent will inform you when you sign up for coverage. Even if it’s not mandatory, keeping a home inventory is highly recommended.

Why Create a Home Inventory?

Having a home inventory makes it easier to replace items lost in a disaster. Even if your insurance policy doesn’t require it, maintaining an inventory is a smart way to stay organized and prepared. If you don’t have time to create a detailed inventory, consider making a video walkthrough of your home’s interior. Record your rooms, closets, dressers, and drawers to document your belongings.

Do you have more questions about home insurance or creating a home inventory? The professionals at Advantage Service Insurance, serving Erie, CO, are here to help. Contact us today to get answers to your home insurance questions and find the right policy for your needs.

Does Homeowners Insurance Cover Snowmobiles?

Posted on August 29, 2025August 19, 2025 by admin

During winter, snowmobiling is a popular outdoor activity for residents of Erie, CO. While homeowners’ insurance often covers recreational equipment like canoes and bicycles, you may wonder if it also protects your snowmobile. Although it offers very limited coverage under specific circumstances, a separate insurance policy provides far greater benefits and peace of mind.

What Homeowners Insurance Covers

While home insurance may cover non-motorized vehicles like kayaks, it typically does not insure most motorized vehicles, including snowmobiles. This means your snowmobile won’t be protected, even if it’s parked on your property. However, the liability coverage in your homeowners policy may cover medical expenses if someone is injured while riding your snowmobile on land you own.

Why You Need Toy Insurance

To protect your snowmobile from damage and gain better liability coverage, you’ll need toy insurance. This type of policy is designed to insure small motorized vehicles, such as snowmobiles, dirt bikes, and ATVs. At a minimum, toy insurance includes liability protection, which is essential if you cause an accident that injures someone else.

Optional comprehensive or collision coverage can also be added to your policy. Comprehensive insurance covers non-collision losses, such as fires, vandalism, theft, and hail damage. Collision insurance, on the other hand, allows you to file claims for damage caused by hitting another vehicle or inanimate objects. If you’re financing your snowmobile with a loan, most lenders will require comprehensive and collision coverage.

The right toy insurance depends on the condition of your snowmobile and how you use it. Advantage Service Insurance can help you select the best coverage and compare policies from multiple insurers. Our independent agency in Erie, CO, makes it easy to insure your snowmobile quickly and effectively. To get started, contact Advantage Service Insurance at 303-500-5020 today.

Validating Your Motorhome Insurance Claim

Posted on July 31, 2025July 15, 2025 by admin

One moment you’re cruising down the interstate in your sleek motorhome, and the next, you’re heading straight for a guardrail—thanks to a sleep-deprived semi-truck driver. Unfortunately, motorhome accidents are all too common in Colorado and across the country.

The faster you can file your claim and get repairs done, the sooner you’ll be back on the road. If you’re a motorhome owner in Colorado, here’s what your insurance representative at Advantage Service Insurance, serving Erie, CO, wants you to know about validating your claim and streamlining the process.

Gather All Your Documentation

The moment something goes wrong—whether it’s an accident on the road or storm damage at a campsite—start documenting. Use your cell phone to take photos from every angle. This isn’t the time to worry about aesthetics; focus on capturing as much detail as possible.

Write down every detail about when and where the incident occurred, including weather conditions. Take photos of the sky, the road, and any nearby road signs. If another vehicle is involved, exchange contact and insurance information, and ensure that you obtain a police report.

Contact Your Insurance Representative

When reporting the incident to your insurance company through Advantage Service Insurance, serving Erie, CO, be as detailed and factual as possible. Stick to the facts about how the incident happened and avoid guessing or downplaying any details.

Time is of the essence. The sooner you start the claims process, the better your chances of resolving the issue quickly and getting back on the road. If you’re unsure where to begin, reach out to us—we’re here to guide you through the specifics of your policy.

RV Repairs and How They Relate to The Insurance Coverage You Need

Posted on June 30, 2025June 13, 2025 by admin

Mechanical and cosmetic repairs can significantly improve the functionality and value of your recreational vehicle (RV). After completing repair work, you may want to consider increasing the coverage provided by your RV insurance policy to protect your investment better.

Mechanical Repairs

Upgrading vital parts of your RV, such as the motor, shocks, or other essential components, can significantly enhance its performance and safety. These improvements may also influence the level of insurance coverage you prefer.

RV insurance can protect your investments from risks such as natural disasters, theft, and vandalism. You have the flexibility to choose which materials and upgrades to cover, as well as the amount of coverage your policy provides.

Cosmetic Upgrades

Routine use of your RV can lead to dents, scratches, and other cosmetic imperfections. If you decide to refurbish your RV’s exterior, these upgrades should be factored into your insurance policy.

Your RV insurance can cover the materials used to enhance the appearance of your vehicle. In the event of damage caused by a catastrophic event, your policy may cover out-of-pocket costs required to restore your RV. Additionally, the coverage may pay for replacement parts if your RV is vandalized or damaged as a result of a criminal act.

Insurance Agent Services

For personalized assistance with your insurance policy, contact one of our qualified agents at Advantage Service Insurance. An agent serving the Erie, CO, region can review your current RV insurance policy and provide expert advice.

Our agents can recommend coverage options that offer maximum protection and guide you on how to handle incidents requiring an insurance claim for your recreational vehicle.

Do You Need to Switch Motorcycle Insurance After an Interstate Move?

Posted on May 30, 2025May 22, 2025 by admin

Moving to the picturesque state of Colorado involves more than just transporting your possessions and unlocking the door to your new abode. An interstate move includes countless minor steps that might not seem necessary at the initial planning stage. One such overlooked detail is managing your motorcycle insurance coverage. At Advantage Service Insurance in Erie, CO, our goal is to facilitate a seamless transition for motorcycle owners moving to Colorado from another state.

Is Switching Motorcycle Insurance Necessary After an Interstate Move?

The need to switch your motorcycle insurance after a move depends on the terms of your coverage. While every insurance policy has unique terms and limits, it’s generally advisable to consider switching your motorcycle insurance when you move to Colorado from another state. This is primarily for the convenience of having a local insurance provider. Dealing with insurance agents in a different time zone can be challenging, and the inability to visit the office for in-person discussions can be inconvenient.

Having a local insurance agency like ours, especially if you reside in Erie, CO, offers more than just convenience. Our agents are well-versed in Colorado’s insurance laws and regulations, and we can ensure that your coverage meets the state’s legal requirements.

Get in Touch with Advantage Service Insurance

Whether you’re relocating to Colorado or moving away, reach out to our team at Advantage Service Insurance in Erie, CO. Learn about your motorcycle insurance options today!

Is Your Boat Covered During a Natural Disaster or Storm?

Posted on April 30, 2025April 18, 2025 by admin

Owning a boat offers freedom and adventure, but it also comes with the responsibility of ensuring it’s adequately protected. One of the most important considerations for boat owners is determining whether their boat is covered in the event of a natural disaster or storm. At Advantage Service Insurance in Erie, CO, we offer comprehensive boat insurance to ensure that you’re protected from the unexpected.

What Is Covered?

Typically, boat insurance policies cover damage caused by storms and natural disasters, such as hurricanes, tornadoes, and floods, under a comprehensive insurance plan. This coverage generally protects against physical damage to the boat caused by these events, including damage to the hull, machinery, or any other equipment on board. If your boat is severely damaged or destroyed, comprehensive coverage may help you repair or replace it.

Consider Exclusions

While most standard boat insurance policies offer coverage for storms, there are important exclusions to be aware of. For example, some policies may require additional coverage or specific endorsements to protect your boat against hurricanes or floods. If you live in a high-risk area for these types of events, check whether your insurance policy includes coverage for storms or if you need to add a rider for extra protection.

In addition, specific policies may only cover damage if the boat was secured and properly stored before the storm. If you leave your boat unsecured or in a hazardous location, you may find that your policy does not cover the damage.

Protect Your Boat from the Unexpected

Natural disasters and storms can cause significant damage to your boat, but with the right coverage, you can ensure your vessel is protected. Reach out to the Erie, CO, team at Advantage Service Insurance to see how we can provide financial protection.

Getting More Liability Insurance With Umbrella Insurance

Posted on March 28, 2025March 19, 2025 by admin

When you have home and auto insurance, you may also want to consider an umbrella policy. These are important policies that can protect you against serious accidents. Umbrella insurance adds extra coverage to both of those policies, enhancing your protection. Accidents can be costly, even when they aren’t serious, leading to substantial bills afterward. Protect yourself with an umbrella policy that adds a significant amount of coverage. Call us at Advantage Service Insurance in Erie, CO to get started.

Understanding How Umbrella Insurance Works

An umbrella policy provides coverage after your home or auto insurance has paid up to its limit for an accident. Whether the accident occurs in your home or out on the road, your home or auto policy pays the expenses until it reaches its maximum payout. For home and auto insurance, this limit often isn’t very high. That means that these bills can easily exceed the policy’s worth. If this happens, your umbrella policy steps in and pays the overage, protecting you from paying it out of pocket.

The Advantages of Umbrella Insurance

One of the biggest advantages of having this extra liability coverage is that it pays what would be difficult for you to pay without this coverage. Another advantage is that it costs less than adding more liability coverage directly onto both your home and auto insurance. It also comes with a very high maximum payout, so you don’t have to worry about it reaching its limit.

Getting Umbrella Insurance in Colorado

If you’re interested in having more liability coverage for expensive accidents, we can help. Call Advantage Service Insurance in Erie, CO to get started with an umbrella policy.

Flood Insurance: Don’t Drown in the Aftermath of the Flood

Posted on February 28, 2025February 18, 2025 by admin

While issues like flooding may not be everyday concerns, they only need to occur once to leave a trail of destruction. Anyone who has experienced a flood will tell you – once is enough. That’s why residents in the Erie, CO, area turn to the professional and trusted team at Advantage Service Insurance for all their flood insurance inquiries and needs.

Flood Insurance: Don’t Drown in the Aftermath of a Flood

Even a minor flooding event can result in the loss of valuables and property damage and cost thousands in repairs and restoration. These are just a few examples of the problems a flood can leave behind and why flood insurance can make a difference once the waters recede. At Advantage Service Insurance, we understand the challenges flooding can create, and more importantly, we can help you get the protection you need against rising waters.

While flooding isn’t a common problem, it is a potential issue that demands our attention. Without the right help and coverage, more than just your cherished items could be swept away. That’s why it’s a good idea to work with proven and knowledgeable agents for the flood insurance solutions you deserve and the help you need in the event of a flood.

Flood Insurance for Erie, CO Area Residents

If you live in or around the Erie, CO, area and would like to learn more about flood insurance or need protection for your home or business, we can help. Don’t drown in the aftermath of a flood. Contact us to find out more and schedule an appointment with our helpful and experienced team at Advantage Service Insurance for the protection you need and deserve today.

Advantages of Condo Insurance for Young Families in Erie, CO

Posted on January 24, 2025January 21, 2025 by admin

Investing in a condo is a convenient and affordable housing option for residents of Erie, CO. Whether you’re drawn to the reduced risks and responsibilities or are interested in a more accessible housing solution, investing in the right condo insurance for your new property is essential. Understanding the benefits of condo insurance for young families in Erie can help you find the right protection for your family’s belongings, peace of mind, and overall financial stability with the help of Advantage Service Insurance.

Benefits of Condo Insurance for Young Families in Erie, CO

Some of the most significant benefits of condo insurance for young families in Erie, CO, include:

Liability Coverage: Condo insurance can provide liability protection for accidents that may result in lawsuits or injured guests.
Personal Belongings: Condo insurance covers personal belongings, including furniture. Depending on the policy’s terms, jewelry, collectibles, furniture, and electronics may all be covered by your condo insurance policy.
Interior Improvements and Upgrades: Some condo insurance policies cover upgrades like fixtures, flooring, and custom cabinetry. However, these improvements are typically not covered under a condo association’s master policy. Therefore, it’s essential to review association policies before purchasing suitable insurance coverage when investing in a condo in Erie.

Protecting your condo and all of your belongings is crucial to avoiding potentially devastating financial losses when living in Erie, CO, with a young family. If you’re interested in learning more about your options for condo insurance in Erie, we can help. Contact Advantage Service Insurance today for your initial consultation and to compare condo insurance policies that are right for you.

Why You Won’t Lose Your Classic Car After an Accident with Classic Car Insurance

Posted on December 23, 2024December 18, 2024 by admin

Classic cars are a pleasure to own, but they come with unique challenges, such as difficulty finding parts. It’s not uncommon for an insurance company to declare a classic car a total loss and send it to auction, resulting in the loss of ownership. At Advantage Service Insurance in Erie, CO, we understand this concern. We can assist you in securing an insurance policy that covers your classic car’s repairs and helps you maintain its ownership.

Classic Car Insurance Basics

This type of insurance policy is known as an agreed-upon or stated-value policy. When the policy is initiated, the insurance company agrees to insure the car for a value negotiated.

What to Expect When Filing an Accident Claim

The claims process for an accident involving a classic car is similar to that of a modern vehicle. You’ll need to contact your agent or the insurance company to start the claims process, which will cover the car’s repairs unless it’s declared a total loss.

Repairing Your Classic Vehicle

The repair process largely depends on the insurance company that covers your vehicle. Some insurers pay out the amount of the repairs stated in the policy. For instance, Hagerty, a classic car insurance company, works with you to restore the car to its original condition. This includes sourcing parts in some cases and repairing the sheet metal when possible.

Contact Us Today for More Information on Classic Car Insurance

At Advantage Service Insurance in Erie, CO, we understand your passion for enjoying your classic car without worrying about the risk of loss. Contact us today to learn more about how this type of coverage can help you repair your classic car and keep it on the road for longer.

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