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695 Pierce Street, Suite 210
Erie, CO 80516

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Featured Insurance Blog

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.

Classic Car Insurance and Classic Motorcycles

If you’re a classic car enthusiast in Erie, CO, you may be wondering if classic car insurance also covers classic motorcycles. The answer is yes—classic car insurance can also cover classic motorcycles.  Advantage Service Insurance is here to assist you in what you need to know about classic car and motorcycle insurance. 

Differences in Coverage 

Classic cars and motorcycles have different needs when it comes to coverage. For example, many classic cars are only driven on weekends or special occasions, whereas a classic motorcycle might be used more frequently. This means that the type of coverage you need could vary depending on how often your vehicle is used. Additionally, there may be other factors to consider such as whether or not your vehicle is stored in a garage or kept outside year-round. 

Another difference between classic car and motorcycle insurance is that certain modifications may not be covered under standard policies. Many owners of vintage vehicles make upgrades or changes to their cars or bikes in order to improve performance or customize them for racing or exhibition purposes. As such, it’s important to discuss any modifications with your insurer so that they can adjust your policy accordingly and ensure that all of your upgrades are covered in case of an accident or breakdown. 

Give Us A Call

Overall, classic car insurance can provide valuable protection for both cars and motorcycles alike. However, it’s important to understand the differences between the two types of policies so that you get the right amount of coverage for your specific needs in Erie, CO. Contact Advantage Service Insurance today to discuss how we can help protect your beloved classic car or motorcycle!

How much commercial insurance do I need?

Commercial insurance is a type of insurance that business owners can purchase to protect their businesses from potential losses. There are many different types of commercial insurance, and each one offers different levels of coverage. How much commercial insurance you need depends on the size and nature of your business, as well as the risks it faces.

There are several factors you will need to take into account when deciding how much commercial insurance to buy.  Advantage Service Insurance is here to help our Erie, CO business owners. 

These are some of those factors to consider:

What size policy should I buy?

How much commercial insurance you need depends on the size and nature of your business, as well as the risks it faces. For example, a small business that does not have many employees or assets may only need a basic policy that covers property damage and liability. However, a larger business with more employees and assets will need a more comprehensive policy that offers more coverage.

Factor in the risks

The types of risks your business faces also play a role in how much commercial insurance you need. For example, if your business is located in a high-risk area, you will need to buy a policy that offers greater coverage. Similarly, if your business deals with hazardous materials or products, you will need to have a policy that specifically covers those risks.

The best time to buy

The best time to buy commercial insurance is when your business is starting up. This is because most insurers offer discounts for new customers.

Contact us today!

If you have any questions about your liability or commercial insurance coverage, call Advantage Service Insurance today. We proudly serve the Erie, CO area.

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. 


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. 

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