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695 Pierce Street, Suite 210
Erie, CO 80516

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Featured Insurance Blog

Custom Rides: How Modifications Impact Your Motorcycle Insurance

Are you looking to ensure your modified bike today? Here at Advantage Service Insurance, we’re all about supporting the bike-loving crowd in Erie, CO, and the surrounding areas. We know how thrilling it is to make your bike truly yours with some cool updates, but it’s smart to think about how these updates can change your motorcycle insurance policy.

What’s a Modification?

Think of a modification as any change or update you make to your motorcycle after you bring it home. This could include boosting your bike’s speed, switching up the exhaust system, giving it a new paint job, or adding any new parts. Each adjustment can shift how insurance groups view your bike.

Modifications Can Affect Your Insurance

Adding elements that enhance your bike’s performance can increase your insurance price. This happens because insurance groups might see a faster bike as more of a risk. However, your costs could go down if you install features that improve safety, like advanced brakes or a theft-prevention system.

Updating Your Insurer Why It’s Important

It’s crucial to keep your insurance group informed about any updates you make to your bike. If you don’t, you might run into issues down the line if you need to make a claim later. They might even deny your claim if they weren’t aware of the updates. 

Ready to Make Sure Your Custom Bike is Covered?

Here At Advantage Service Insurance, we work with riders in Erie, CO, and nearby areas to tailor insurance solutions for their one-of-a-kind bikes. Your bike is a reflection of your personality, and we’re here to help safeguard it. Reach out to us today. We are here to help.

Should You Get Boat Insurance?

The Case for Boat Insurance: Risks and Liability

While the state of Erie, CO, doesn’t mandate boat insurance, it can be required in certain scenarios and is typically a wise choice. Advantage Service Insurance is here to assist you with securing the right boat insurance.

When Boat Insurance is Mandatory

If a bank or finance company has a lien on your boat, they are likely to require you to hold insurance covering the boat’s full value. Similarly, marinas may require boat insurance if you plan on docking your boat at their facilities. These insurance prerequisites vary, with some marinas only demanding liability insurance while others may necessitate both general and liability coverage.

Boats Under Homeowners Insurance

Your homeowner’s policy may offer some boat coverage, but it is often insufficient to cover the boat’s total cost. Also, it might not provide coverage while on the water or in transit.

Assessing Your Risk Tolerance

If boat insurance isn’t mandatory, you must evaluate your risk tolerance. It would be best if you considered how much your boat costs and your financial capacity to replace it in case of damage. If replacing your boat would strain you financially, it would stand to reason that you have a low-risk tolerance and should seek boat insurance.

The Value of Liability Coverage

Regardless of your risk tolerance, liability coverage should always be a consideration. This coverage protects you against financial loss if your boat damages someone else’s property. Given the potentially high damages, liability insurance is a worthwhile investment.

Service at Advantage Insurance

For an array of boat insurance solutions in Erie, CO, don’t hesitate to contact us at Advantage Service Insurance. We provide policies to suit every need and budget. Our expert agents are always ready to assist you with your insurance needs.

Umbrella Insurance for Community Infrastructure Projects

The significance of umbrella insurance often goes unnoticed in the realm of community development and infrastructure projects. However, integrating umbrella insurance into such endeavors can provide invaluable protection and support in and around Erie, CO.

Comprehensive Coverage for Project Risks

Community infrastructure projects, whether they involve building roads, bridges, schools, or other essential facilities, come with various risks. These risks range from construction accidents and property damage to unforeseen delays or legal disputes. Umbrella insurance offers comprehensive coverage beyond standard policies’ limits, safeguarding against these potential risks.

Safeguarding Project Finances

Large-scale infrastructure projects often involve significant financial investments from multiple stakeholders, including government agencies, private investors, and community organizations. Any unexpected liability claims or setbacks can jeopardize the project’s economic viability, leading to delays or abandonment. Umbrella insurance helps mitigate these financial risks by providing additional coverage, ensuring project finances remain secure.

Enhancing Stakeholder Confidence

Umbrella insurance can instill confidence and peace of mind among project stakeholders, including investors, contractors, and community members. Knowing that the project is adequately insured against potential liabilities alleviates concerns about financial losses or legal disputes, fostering trust and cooperation among all parties involved. This increased confidence can streamline project execution and facilitate smoother collaboration, ultimately contributing to the success of the infrastructure initiative.

Promoting Sustainable Development

Umbrella insurance is crucial in promoting sustainable development by mitigating risks associated with infrastructure projects. By safeguarding against potential liabilities and financial losses, umbrella insurance helps ensure community infrastructure’s long-term viability and sustainability. This, in turn, supports economic growth, enhances quality of life, and fosters resilience in the face of unforeseen challenges or disasters.

How Advantage Service Insurance Can Help You

Our team at Advantage Service Insurance serves the Erie, CO, area and answers any questions about insurance policies, including umbrella insurance. Please Call us today. 

Here’s Why Floods Occur and How You Can Protect Yourself

Floods are serious natural disasters. We’ve got you covered if you’ve ever wondered why they occur. If you’re looking for flood insurance, we can help ensure you’re also adequately covered. Contact Advantage Service Insurance, serving Erie, CO, and other communities.

Understanding Floods and the Risks They Pose

Water typically flows into the ocean or large lakes. When it rains, the water will eventually reach a river or stream, then flow onto a large body of water, like the ocean. This keeps most of the land in a given area relatively dry. However, sometimes weather events, like heavy rain storms and snow melt, produce enough water that it can’t be drained away quickly. This can result in flooding.

Local authorities have built drainage systems in many areas to help water drain away more quickly. Yet even so, flooding can still occur. Further, some areas are prone to flooding, and it’d be tough to build a drainage system in such areas that could prevent all flooding.

Communities located in low-lying areas, like valleys, are often more prone to flooding. Rain water and snow will travel downhill and gather at the bottom. Usually, a valley might be drained by a nearby river, but if too much water falls, the river could overflow its banks, leading to flooding. For this reason, communities near rivers are often more at risk of flooding.

Further, flooding can occur when powerful ocean storms create a storm surge and push water from the ocean onto land. Communities located in low-lying areas near the ocean are often more prone to flooding, especially if a major storm, like a hurricane, strikes.

The good news is that families and organizations can protect themselves with the proper flood insurance plans. It’s important to ensure you are covered in the event of floods, as standard homeowner’s insurance often doesn’t cover flooding. Contact Advantage Service Insurance, serving Erie, CO, to learn more about flood insurance.

Will condo insurance pay for the repair of my refrigerator?

Homeowners’ insurance can cover the repair of many different areas of the home, including appliances, depending on how the damage or malfunction occurred. It’s important to understand what’s covered and the terms of coverage for any given circumstance. A homeowner can take advantage of many bundled areas of coverage when it comes to their assets, liability, and other structures on their property. Our team at Advantage Service Insurance understands that property insurance includes many different coverage areas and can be challenging to navigate and understand. As a result, we’re committed to helping Erie, CO residents thoroughly understand homeowners insurance.

Terms and Conditions

Although homeowners insurance is designed to cover many different areas related to a person’s home, your homeowners’ policy terms are clearly outlined. Not every area will be eligible for coverage if damage occurs due to an event or situation that’s not covered. This is why an insurance agent takes his or her time to explain how coverage works and what situations are typically covered. Areas that aren’t covered generally are explained as well.

Will condo insurance pay for the repair of my refrigerator?

Typically, appliances are covered by a homeowners’ insurance policy. However, once again, the terms of coverage are governed by how the damage occurred. Your homeowner’s policy doesn’t cover manufacturer defects or issues and should be handled by the appliance manufacturer instead. Also, homeowners’ policy doesn’t cover appliances that become damaged or malfunction due to age and natural wear and tear over time. However, fire, perils and situations, and theft are typically covered by your policy. If you have more questions regarding homeowners insurance, call us. We’d be happy to help you explore your options. 

How to transport a classic car

If you’ve got a classic car, you may be proud of the fact that it still runs. However, just because you can doesn’t always mean you should. If, for some reason, you need to transport your classic a long distance, it may be better to get it shipped by auto transport than to drive it to the destination. It’s a delicate process but not too difficult if you know what to do. 

Do….

  • Go with enclosed shipping. It may cost a little extra, but it’s well worth having your baby surrounded by walls and a roof the whole trip and be protected from the elements.
  • Take some pictures. Before your classic gets boxed up for transport, take lots of time-stamped pictures of it. This will prove the condition of your car before it is shipped. 
  • Research the company you’re doing business with. This is wise advice for anything. 
  • Have everything prepared for pickup. Have the keys, license, and other paperwork ready. 
  • Give your car a good cleaning first. That way, it makes it easy for the driver to perform an inspection for any pre-existing damage.

Don’t…

  • Have any items in the vehicle? Insurance will not cover them, and most companies will not allow this anyway. 
  • Fill the tank up. It’s unnecessary weight and a safety risk. A quarter tank will be enough to get your baby to the nearest gas station. 
  • Forget the details on your insurance coverage. Please review your classic car’s insurance policy before shipping it anywhere. The people you’re doing the shipping with should be able to explain the insurance options you have. 

Contact Advantage Service Insurance Serving Erie, CO 

If you live in the Erie, CO, area and own a classic car, please get in touch with Advantage Service Insurance. We will help you insure your most prized possession. 

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. 

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