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695 Pierce Street, Suite 210
Erie, CO 80516

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The Value of a Good Commercial Insurance Policy When Running a Risky Business

Commercial insurance for riskier businesses, such as travel companies and other firms, is critical to get right. At Advantage Service Insurance, we can help risky Erie, CO businesses, such as hunting tours, get the insurance they need to protect themselves from various risks.

Liability Protection 

Typically, a commercial insurance policy will provide you with liability support to minimize things like how much you spend on lawsuits. Liability coverage will ensure that you can pay for lawsuits and various legal issues to protect you.

Property Coverage 

Your business likely has a lot of property and other items you need to operate properly. Commercial insurance can protect you by providing help repairing and replacing damaged items. It usually covers unexpected issues, like fires, and not general wear and tear problems.

Umbrella Support 

Umbrella insurance policies can often pair with commercial coverage options and improve your liability. For example, it will increase the amount of money you can get from your pay and ensure you cover serious lawsuits and other potential legal fees in a case. 

Risk Mitigation 

The best commercial insurance policies can help mitigate your risk by protecting you from various issues. For example, if you run a company with a higher potential for physical injury, a policy can ensure you get support and avoid paying too much money.

Managing Insurance Properly 

If you’re interested in commercial insurance for your risky business, please don’t hesitate to contact us at Advantage Service Insurance to learn more. We can help Erie, CO, residents and those outside the area learn more about their coverage options and ensure they get the desired results. Call us now to learn more about what we have to provide you.

What is the value in having a full home insurance plan in Erie?

Owning a home in the Erie, CO area is a great idea for many people. If you are looking for a long-term investment and a consistent place to live, owning a home can help meet your needs. When you buy a home, getting insurance for it is very important. There is a lot of value that comes with a home insurance plan in this area. 

Ensure Property is Covered

A reason to always have a home insurance plan in this part of Colorado is to ensure your property is covered. If you are going to buy a home here, you will be making a major long-term purchase and investment. If you are not insured, the repair cost following a fire or other incident can be significant. Home insurance helps to offset this concern. 

Liability Coverage

A home insurance plan also gives some liability coverage. Many liability risks come along with owning and living in a home. If you are liable for an accident on your property, you may need to cover the damages. If you are insured with a home insurance plan, you will get some liability insurance that will help cover such liability claims. 

There will always be advantages to having a full home insurance policy in the Erie, CO area. Once you are ready to start shopping for a new plan here, you can call our team at Advantage Service Insurance to discuss your needs. When you call us at Advantage Service Insurance, you can get the help needed to build a new plan and evaluate your options. This can help ensure you select the right plan for your situation. 

Winter Toy Insurance 101: A Comprehensive Guide for Snow Enthusiasts

For snow enthusiasts in and around the Erie, CO area, winter is a magical season filled with outdoor fun and adventure opportunities. Whether you’re a snowmobiler, skier, or snowboarder, having the right insurance coverage for your winter toys is essential.

Understanding Winter Toys

Winter toys encompass various recreational vehicles and equipment designed for winter activities. These may include snowmobiles, skis, snowboards, ice fishing gear, and more. 

Types of Winter Toy Insurance

Several types of insurance can help protect your winter toys:

  • Snowmobile Insurance: If you own a snowmobile, you’ll need a specific insurance policy. This coverage can protect you in case of accidents, theft, or damage to your snowmobile.
  • Winter Sports Insurance: Winter sports insurance covers skiing, snowboarding, and ice skating activities. It can cover medical expenses, equipment damage, and trip cancelations due to unforeseen events.
  • Personal Articles Policy: This policy can cover valuable winter sports equipment like skis, snowboards, and ice fishing gear. It often provides coverage against theft, damage, or loss, both on and off the slopes.

Factors to Consider

When selecting insurance coverage for your winter toys, consider the following factors:

  • Coverage Limits: Ensure your policy offers adequate coverage limits to replace your equipment or pay for medical expenses in case of an accident.
  • Deductibles: Understand the deductible amount in the event of a claim.
  • Additional Coverage: Explore options for extra coverage, such as coverage for skiing or equipment rental reimbursement. Combining policies can also help lower the premiums with additional coverage. 
  • Policy Exclusions: Familiarize yourself with any policy exclusions, such as coverage limitations for extreme sports or certain medical conditions.

Advantage Service Insurance Can Help You

At Advantage Service Insurance, we can answer all your questions concerning winter toy insurance. We assist the Erie, CO area. Contact us today. 

How can I benefit by getting a motor home insurance policy?

Being a motorhome owner is a good option for people in the Erie, CO area. Owning a motor home will provide you with both a reliable mode of transportation and a safe place to sleep at night. This can make it an ideal option if you want to take a long road trip or are looking for a new housing option. When purchasing a motor home, you need to carefully consider your car home insurance options, as they can offer various benefits. 

Coverage for your Motor Home

A top reason to get a motor home insurance plan is to get coverage for the asset. When you buy a motor home, you will be making a significant purchase and will have an asset you will want to use and enjoy for a long time. When you have motor home insurance, you will have coverage if it is damaged or stolen. 

Liability Support

Getting a motor home insurance plan to receive liability support is also a good idea. There is always a chance you can be held liable for an accident when driving the motor home or if a guest is injured when not on the road. A motorhome policy will provide coverage for these risks. 

Any motorhome owner in the Erie, CO area needs to ensure they have proper coverage. A great way to ensure you have the proper support is by calling our professionals with Advantage Service Insurance. When you call our Advantage Service Insurance team, you will learn far more about your insurance options. We can also provide any support you need to ensure you remain adequately covered at all times. 

Insuring Your Home on Wheels: Navigating the World of RV Insurance

Traveling in an RV can be a fantastic experience. That’s true whether it’s your full-time home, or whether you only use it for the summer months. If you’re in the Erie, CO area and looking for RV insurance, Advantage Service Insurance is here to help. We understand that protecting your rolling home is very important, and you need trusted guidance to find the right policy for your needs.

Like a car or truck, an RV needs basic liability coverage to operate on the road legally. That coverage helps protect you and your passengers and offers protection for another driver and their passengers if you’re involved in an accident. While this coverage is vital, you may also want additional protection in the form of comprehensive and collision coverage.

If you only use your RV for a few months out of the year and store it the rest of the time, finding the right coverage will be more accessible by working with an agent. You may not need the same type of policy or coverage level when the RV isn’t being driven, but you still want to ensure the proper protection against loss during that time in case of fire, theft, or other risks.

You don’t have to settle for a policy you’re unsure about when you can get the help and information you’re looking for from a trusted professional. Contact us at Advantage Service Insurance today if you’re looking for RV insurance in the Erie, CO area. Our dedicated agents understand that there’s a lot to consider when it comes to getting quality coverage, and we want to make sure you can enjoy your RV anytime you want, with plenty of peace of mind.

Top Three Risks For Motorcycle Owners

Owning a motorcycle can be a great experience, but you want to stay on top of possible risk factors. Here at Advantage Service Insurance, serving Erie, CO, and the surrounding areas, we want to help you stay safe on the road in every way possible. Keep reading to learn more about the top three risks for motorcycle owners. 


Ware riding your bike, road debris can be a considerable risk factor. Because you will not have the added protection of the frame of a vehicle, you might easily be thrown from your bike if you hit debris, especially if it is significant. This is why it is immoral ways to obey the speed limits and stay focused on your surroundings. 

Blind Spots

Another risk for bikers is blind spots. Although your bike does not have blind spots, all of the vehicles around you will have blind spots. Because you and your bike take up very little space on the road, it’s easy for you to get lost in someone else’s blind spot. If this happens, you could wind up in an accident. Blind spots are hazardous. It is vital that you learn how to identify potential blind spots and stay out of them. You can do this by learning which areas of certain size vehicles fall into a blind spot. You can then avoid being in that space beside that vehicle. You can either slow down to leave the blind spot or speed up. 

Uneven Road Surfaces

Uneven road surfaces annoy everyone, but they can be dangerous for bikers. Uneven bumps can knock a biker off of their bike. Use safe speed and be aware of your surroundings. 

If you want to learn more about motorcycle insurance, don’t hesitate to contact us at Advantage Service Insurance, serving Erie, CO, and the surrounding areas. 

Tips to prepare your boat for a storm

As the summer months approach here in the Erie, CO, area, it’s essential to be aware of the potential for storms on the open water. With heavy winds and choppy waves, bad weather can quickly put a damper on any boating trip. To ensure that your vessel is prepared for a storm, here are some helpful tips from us at Advantage Service Insurance: 

  1. Ensure all windows, hatches, and doors are securely closed and latched. 
  2. Check all ropes and mooring lines to make sure they’re taut and secure. 
  3. Install extra lines if needed – these can be used to tie down loose equipment or furniture and help keep the boat from drifting away in high winds. 
  4. Remove any sails from the boat or stow them away in case of high winds, which could cause damage. 
  5. Securely store any valuables or items that could get lost or damaged during a storm. 
  6. Double-check that all fuel tanks are secure and tightly sealed against leaks or spills during turbulent waters. 
  7. Ensure your bilge pump works correctly to quickly remove the excess water should your boat begin to take on water during a storm surge or heavy rain.  
  8. Lastly, ensure you have an emergency kit aboard with first aid supplies and other essential items such as food, water, and flashlights – just in case! 

These tips help ensure you and your boat stay safe and sound when a storm hits! For more safety tips, call us at Advantage Service Insurance today. We proudly serve the Erie, CO area and would happily help you find the right policy for your needs.

Don’t Get Caught in the Rain Without Umbrella Insurance in Colorado!

Why You Need Umbrella Insurance in Colorado 

If you’re a homeowner in Colorado, the last thing you want to do is get caught without an umbrella insurance policy to cover additional expenses if something goes wrong. 

Umbrella insurance policies provide financial protection by extending financial coverage for accident or property damage claims not covered by your home or auto insurance policies. 

Colorado-area residents who want to protect their financial interests use umbrella insurance to provide them with additional financial protection. Umbrella insurance add-ons reduce costs by covering out-of-pocket expenses related to auto accidents, injuries, and other property damage. 

The insurance agents at Advantage Service Insurance and Erie, CO can help you choose the best umbrella insurance policy to avoid paying for added costs that exceed the limits of your current policy. 

Don’t Get Caught without Umbrella Insurance in Colorado! 

Your umbrella insurance policy can be customized to automatically pick up where traditional insurance coverage ends. 

For example, if you or another covered person on your auto insurance policy have an at-fault auto accident where the damages exceed existing policy coverage, an umbrella insurance policy can reduce your remaining out-of-pocket expenses. 

Another example of umbrella insurance in action is if someone is accidentally injured on your property and you don’t have enough liability insurance to cover the cost of a related lawsuit. 

An umbrella insurance policy can provide policyholders with additional liability costs, which protects your assets and reduces out-of-pocket costs. 

Get Affordable Umbrella Insurance in Colorado

If you’re serious about safeguarding your assets and extending the limits of your current insurance policy, talk to an insurance professional at Advantage Service Insurance in Erie, CO, and get a custom quote for umbrella insurance today! 

Understanding Your Flood Insurance Coverage

As a team, we understand how devastating floods can be to homes and businesses in Erie, CO. That’s why we believe it’s important for our clients to have a clear understanding of their flood insurance coverage.

Flood Insurance: What You Need To Know

First and foremost, it’s important to know that standard homeowners insurance policies typically do not cover flood damage. That’s where flood insurance comes in. At Advantage Service Insurance, we offer flood insurance policies through a number of outlets, including private insurance carriers.

When it comes to flood insurance coverage, there are typically two types of coverage available: building property coverage and personal property coverage. Building property coverage typically covers the physical structure of your home or business, including the foundation, walls, floors, and ceiling. Personal property coverage, on the other hand, covers your personal belongings such as furniture, electronics, and clothing.

It’s important to note that flood insurance policies have limitations and exclusions. For example, most policies will not cover damage to your basement or any items that were stored in your basement. Additionally, damage caused by sewer backups or sump pump failures may not be covered under a standard flood insurance policy.

At Advantage Service Insurance, we recommend that our clients take the time to review their flood insurance policies and understand what is and is not covered. We also advise our clients to consider purchasing additional coverage or endorsements to their policy to ensure they have adequate protection.

Finally, in the event of a flood, it’s important to contact us as soon as possible to file a claim. We will work with you every step of the way to ensure a smooth claims process and get you the coverage you need to recover from the flood damage.

Reach Out To Us Today

Flood insurance is a critical component of protecting your home or business in Erie, CO from flood damage. At Advantage Service Insurance, we are committed to providing our clients with the knowledge and resources they need to understand their coverage and make informed decisions. Contact us today to learn more about our flood insurance policies and how we can help you protect your property.

Common Mistakes to Avoid When Purchasing Condo Insurance

Affordability, ease of resale, low maintenance, and increased security are some of the benefits that draw people to condos. Now that you have moved into your condo, you must consider condo insurance or HO6 insurance—it’ll protect your property and possessions.  But do you know there are certain mistakes you could make when purchasing insurance in Erie, CO?

Here are a few:

Failing to read the fine print in the policy document carefully

Not reading through the entire policy before signing is a common mistake most people make — reading the fine print is important. Ask our team at Advantage Service Insurance any questions about what you don’t understand. Without reading the policy document, you may sign something that will cost you more in the long run. Investing in a condo is a huge investment. Don’t increase your risks because you didn’t review the policy document.

Having insufficient coverage

Not having enough coverage is another big mistake insurers make. The mistake occurs when you don’t value your possessions properly. When a disaster happens, you’ll pay for the difference out of pocket. The solution is to take time when valuing your property to insure its actual costs.

Overlooking perils that are not covered by your policy

Insurance for your condos varies depending on numerous factors. The HO6 insurance covers damage inside the condo. Never assume that you only need condo association coverage. Ensure you review your policy to understand what’s covered. That way, you’ll know what you can recover once disaster strikes. 

Give Us A Call – We Are Here to Help!

By avoiding the above mistakes when buying condo insurance, you’ll rest easy knowing your valuable property is protected. Advantage Service Insurance Erie, CO can help with your condominium insurance. If you need help insuring your condo, contact us today.

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