Tips for getting your home ready for winter

Winters can be cold in the Erie, CO area, and making sure your home is ready for it is important. With more than 25 years of experience, Advantage Service Insurance can provide your home with the protection it needs. 

Tips for getting your home ready for winter 

Check your smoke detectors 

In the winter, everyone spends more time indoors. Making sure that your smoke and carbon monoxide detectors are working can help to keep you, and your family safe. 

Get your furnace cleaned

Getting your furnace cleaned and tuned up is an important task to get done before the winter arrives. It will work more efficiently and it is always better to have any little issues cleared up before the freezing cold weather arrives. 

Chimney cleaning 

If you have a fireplace and you use it, cleaning your chimney should be part of getting your home ready for winter.  Chimney fires are a danger that is avoidable. 

Check for drafts

Having a tube of caulk can help the cold winds from whistling through your home. Check the windows and doors to make sure they fit tightly. Drafts can cause you to use more fuel, which is never a good thing. 

Test run your snowblower

Take a test run with your snow blower to make sure that it is still in tip-top shape. Bring it in for a tune-up if needed. 

Check your winter supplies

Having sand and salt on hand to treat any walkways that you have can help you avoid a slip-and-fall accident. Know where your snow shovels are and have them in an easily accessible location.

If you haven’t cleaned out the gutters, it needs to be done so, any winter rain can flow freely and not cause your downspouts to back up and damage your roof. 

Get or Update Your Home Insurance Policy

You will want to make sure your home insurance is up to date before winter arrives. Contact Advantage Service Insurance in Erie, CO for all your home insurance needs. 

 

Three things to know about toy insurance

Many consumers out there can benefit from carrying toy insurance. That’s why consumers must understand what toy insurance is and what types of expenses it covers.

At Advantage Service Insurance, we offer toy insurance in Erie, CO. If you have questions about this type of insurance, you can contact our insurance company. The following are three things to know about toy insurance.

Toy insurance refers to coverage for possessions like snowmobiles, all-terrain vehicles, golf carts, and more.

Insurance coverage policies for recreational vehicles such as snowmobiles, all-terrain vehicles, and golf carts are frequently referred to as "toy insurance." A toy insurance policy will provide financial protection to owners of such vehicles. 

Toy insurance policies typically include liability, collision, and comprehensive coverage.

Toy insurance is similar to auto insurance in many ways. One similarity between toy and auto insurance is that both types include liability, collision, and comprehensive coverage.

Liability coverage protects you from damages to property belonging to other parties resulting from using your recreational vehicle. Collision coverage covers repairs for damages to your recreational vehicle that result from vehicle accidents. Comprehensive coverage compensates you for damages that result from an incident such as a fire. 

It’s a good idea to purchase enough collision coverage for the full value of your recreational toys.

If you want complete coverage for your recreational toy, then you should ensure that the collision coverage maximum is as high as the value of your vehicle. This way, you don’t have to worry about losing any of the value of your vehicle if it is totaled. 

Learn more about toy insurance in Erie, CO today! Call or email us at Advantage Service Insurance with your questions. We’re eager to get you the insurance coverage you need to protect your finances. 

What Things Should You Consider When Shopping For Motorhome Insurance?

Are you a lucky owner of a motorhome that many people dream about? Are you planning your first RV vacation? Then, it is a good idea to purchase motorhome insurance to protect your precious investment and yourself. However, before you buy an insurance plan, there are certain things you need to take into consideration: 

What Things Should You Consider When Shopping for Motorhome Insurance?

How much you are going to use your motorhome

There are two different categories of RV insurance depending on how often you are going to travel and stay in your RV. For example, if you are a full-time RVer (spending more than 150 nights in your motorhome each year), then you are exposed to more risks and need broader coverage. 

Limitation of motorhome insurance

Typically, motorhome insurance does not cover such things as general wear and tear, damage caused by an earthquake or flood, damage from mold and fungi, and some other things. Make sure to talk to an insurance agent to know the exact limitations. 

Discounts

You may receive a discount on your motorhome insurance policy. Most insurance companies look at such factors as your driving record and credit score when they determine the rate. You also may be qualified for a discount for multiple policy bundling (getting several types of insurance from one company). 

Advantage Service Insurance – Insurance Company in Colorado That You Can Trust

If you are searching for coverage for your motorhome, Advantage Service Insurance in Erie, CO is here to help you. We specialize in all types of insurance, including motorhome insurance as well, and we serve clients in Erie, CO as well as other surrounding areas. Give us a call – we are always here for you. 

Why Do You Need RV Insurance?

RV insurance is used to protect you and your RV. Though you may be able to put in with your automobile insurance, the truth is that you may need separate insurance for your RV. Advantage Service Insurance in Erie, CO can help you navigate this important insurance coverage.

Here are some reasons why you need special insurance for your RV:

It will protect your possessions

Most of the time, you are going to be hauling plenty of items with you on your trip. This may include clothing, televisions, game consoles, and other electronics. Your automobile insurance won’t cover all of these added possessions. 

If you are in an accident, you may be held liable for damages that occur to any other vehicles

Your insurance will cover the cost to fix any damage or replace any vehicles if you are in an accident. 

As well as any medical bills

If someone is injured in the accident, you may be held liable for any medical bills that occur. If you get sued, your insurance will cover any legal fees that you may have. 

Your own RV may also be covered

You may want to get additional coverage to repair or replace your RV if you are involved in an accident. 

If you have an RV, you really should consider getting insurance. Not only are you going to be taking more possessions with you on your travels, but you may not have any money for any damage that may occur with accidents. You could also be required to pay hefty medical bills, which may be more than you have. 

Give Us A Call

If you want to make sure that your RV is fully protected, you need to talk to a professional. Don’t hesitate to contact us today at Advantage Service Insurance in Erie, CO. 

How Much Motorcycle Insurance Do I Need in Colorado?

Colorado requires riders to obtain an M or a "3" endorsement on a valid Colorado driver’s license. The M allows riders to take their 2-wheel or 3-wheel motorcycle on roadways, while a "3" only permits riding on three wheels. Therefore, if you carry state minimum liability on your Colorado car, it already covers your motorcycle unless your policy explicitly excludes riding one. However, motorcycle riding inherently has a greater possibility of severe injury or death, leading to higher insurance costs.

Issues Affecting Your Colorado Motorcycle Insurance Needs

Consult our licensed Advantage Service Insurance agents in Erie, CO before you decide how much insurance to carry as a motorcycle rider.

Colorado Is a Tort State

Colorado had no-fault insurance from 1974 until 2003. Now, instead of being able to recover damages right away, someone must decide who caused the accident and what percentage of the fault each driver or rider caused. Consequently, if you were lane-splitting and a driver did not see you, you would share at least some blame for the accident.

You Can Only Collect Damages for the Other Party’s Percentage of Fault

You can only receive compensation in Colorado if you bore less than 50 percent of the responsibility for the accident. Therefore, if you were 40 percent at fault, you could only collect 60 percent of your total damages. You get nothing when you and the other party share fault equally.

Motorcycle Accident Injury Statistics

In 2016, nearly 61 motorcyclists died for every 100,000 vehicles on the road. Unfortunately, that rate could run higher: Colorado had already reached 62 deaths by April 2022. Consequently, wisdom dictates carrying uninsured and underinsured motorists, comprehensive insurance, and collision for your motorcycle.

Contact Us Today

Call our Advantage Service Insurance agents in Erie CO or email us for assistance with your motorcycle insurance needs.

What Should I Do If I Have a Claim Under My Boat/Watercraft Insurance Policy?

You made the right move to take boat insurance to protect your vessel. Now that an incident covered under the policy has occurred, you have a claim. It’s vital that you present your claim correctly to avoid it getting rejected by the insurer. As a boat owner in Erie, CO, there are steps you can take.

Here is what you should do:

1. Call Your Insurance Company Immediately 

Whether the claim is about theft or an accident, you should immediately call your insurance company to inform them. You can also report the claim incident online if your insurer allows for that. Make your you explain in detail what happened.

2. Call the Authorities if Necessary

Some incidents covered under your boat insurance policy, like theft and accidents, require the intervention of authorities like the policy. After calling your watercraft insurance provider, call the police if necessary. You might need to provide a police report of the incident as evidence for your claim to have it approved by the insurance.

3.  Photograph the Scene and Damage

If it’s an accident, take pictures of the scene and the damage to your vessel and other property. If the incident is theft and your vessel is missing, we at Advantage Service Insurance suggest that you take photos of where the boat was. Make sure that you take pictures from broad angles and also close-ups. Once you have the pictures, provide them to your insurance as part of your insurance claim.

4. Wait for Feedback Before Doing Any Repairs

After filing your claim, it’s critical that you wait for feedback from your insurer before doing any repairs. Your vessel insurer might need to physically the damage further before settling on the compensation amount. If the repair is time-sensitive, let the insurer know and request they let you do the repair.

If you need more info on boat/watercraft insurance in Erie, CO, contact Advantage Service Insurance today.

How to Avoid Common Pitfalls When Purchasing Umbrella Insurance

Umbrella insurance is one of those things that you may not think you need – until you really need it. This type of policy provides an extra layer of protection for your assets if you are sued for damages exceeding your regular insurance coverage. While umbrella insurance can be a great safeguard, there are some common pitfalls to avoid when purchasing a policy. Advantage Service Insurance in Erie, CO offers a few tips to avoid these.  

Common Pitfalls When Purchasing Umbrella Insurance

1. Don’t Assume Your Regular Insurance Will Cover Everything

Your regular homeowner’s or auto insurance policy likely has some liability coverage, but it may not be enough to protect all of your assets if you are sued. An umbrella policy can provide the extra coverage you need. In addition, certain types of incidents, such as defamation or false arrest, are not typically covered by regular insurance policies. An umbrella policy can protect you in these situations.

2. Don’t Wait Until It’s Too Late to Purchase Coverage

It will likely be too late if you wait until after an accident or incident to purchase an umbrella policy. No insurance company will provide coverage for claims that arise from events that took place before the policy was purchased. So, if you think you might need umbrella insurance, it’s best to purchase a policy before you actually need it.

3. Don’t Forget to Review Your Policy Periodically

Your needs may change over time, so it’s important to periodically review your umbrella insurance policy to make sure it still meets your needs. If you’ve acquired more assets or you’ve moved to a different state with different laws, you may need to adjust your coverage

If you think you might need umbrella insurance, Advantage Service Insurance in Erie, CO can help. Give us a call today to learn more about our policies and how we can help protect your assets.

 

Advantage Service Insurance answers 5 FAQs about flood insurance

It’s easy to get sunk by the misinformation around flood insurance. Fortunately, Advantage Service Insurance can throw you a lifeline. Serving the Erie, CO area, our experienced agents can create a policy that keeps you, your home, or your business afloat. Here we answer five common questions about flood insurance.

5 FAQs about flood insurance

What does flood insurance cover?

As its name implies, flood insurance protects against any damage caused by rising water. This applies to the building or any belongings inside.

How much does flood insurance cost?

Pricing will vary. Location, the type of coverage needed, and the property’s flood risk are all considered. If you live in a lower-risk area, you may qualify for a preferred policy.

Where can I buy flood insurance?

The government supports the National Flood Insurance Program. These policies are issued and sold through local, privately-operated, and federally-supported companies.

Am I already covered by an existing policy?

Many incorrectly assume they’re already covered. However, most standard homeowners policies exclude flood damage. This is also true if you are renting. While the leasing company has its own insurance, it typically only applies to the structure of the building. Any personal possessions inside would not be covered.

Is flood insurance required?

Flood insurance is only required for high-risk areas or for anyone who currently has a government-backed mortgage. But it’s always recommended. FEMA reports that individuals who live in low-to-moderate risk areas are especially susceptible to flooding. According to their data, these residents are still five times more likely to face a flood than a house fire.

Set up an appointment today

Advantage Service Insurance in Erie, CO provides more than just answers. We know that floods are unpredictable. Only a dedicated flood insurance policy can grant you protection and peace of mind.

Why personal condo insurance is so important

The team here at Advantage Service Insurance is proud to serve all of the insurance needs of our friends and neighbors in the greater Erie, CO area. If you consider purchasing a condo in our area, be sure to review all of your insurance options!

Why the right condo insurance policy is so important

When it comes to condo insurance, it makes sense to take the time necessary to find the policy that’s right for you. Condo insurance needs can vary from building to building, but you will always need your policy.

Yes, the condo board or association will carry a robust insurance policy to protect the building structure and any common areas. This policy, however, will not provide any coverage when it comes to damage or loss within your unit. Because of this, you will want to review the available policy options and choose one that is right for your specific needs.

Condo ownership can be different from homeownership, but that doesn’t mean that condo dwellers don’t also need proper insurance protection. If you are looking to buy a condo, you are likely attracted to the low-maintenance lifestyle that such a dwelling can provide. When you have the right condo policy in place, you can enjoy the easy living that comes with knowing you have the protection you need!

Find out more about condo insurance today!

Advantage Service Insurance is here for the Erie, CO community. If you would like to learn more about the condo insurance policy options available in our area, give us a call today! Our team is here to answer all of your questions and help you find the policy that is right for your needs.

Why basic auto insurance may not be the right choice

Driving without auto insurance is never a good idea and it is against the law in Colorado. Ensuring you have the mandated coverage is easier if you have the right insurance agents. At Advantage Service Insurance in Erie, CO, we have access to multiple carriers, which gives our customers more choices. We will make you confident that you are getting what you need at the right price.  

Why basic auto insurance may not be the right choice

While basic auto insurance may be right for some people, it isn’t right for most. If you have a car loan, it will not be the right choice. You must protect the vehicle. That requires comprehensive and collision coverage. Your lender will make you have that. 

If you have a considerable amount of assets, it is a good idea to have more than basic liability coverage. You do not want to put your assets at risk by not having enough coverage to pay for a judgment or legal expenses. If your insurance coverage isn’t adequate, your assets may have to be liquidated to pay what you owe. 

If like most people, you use your vehicle every day to do all the things you need to do such as going to work and running errands, then it is important that you have the coverage you need to replace or repair your vehicle if it is stolen or damaged. Comprehensive and collision coverage protects your vehicle and makes it possible to keep your life as usual. 

Contact Advantage Service Insurance in Erie, CO with your auto insurance questions and requirements.