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Top 5 Boating Safety Tips in Colorado

Boating Safety Tips

If you want to get out on the water in a boat, it’s crucial you keep in mind boating safety tips. These 5 are surefire ways to protect yourself (and your loved ones) when you’re riding in a boat.

Life Jackets

Do your research and buy an appropriate life jacket. You also can borrow one, though if you plan on going out often it’s good to have your own. Try it on to make sure that it fits. Children who are 12 years of age or younger must be wearing a life jacket whenever they’re in a vessel on the water.

Boating Safety Courses

Boating courses usually are meant for people who are 14 or 15 so that they can operate a sailboat, motorboat, or personal watercraft. Such a course is open to anyone looking to start boating or those who want to learn more about safety methods.

Know How to Navigate

You may not think about how you’ll navigate a boat. You should know how to react when you’re in certain types of situations that can lead to danger such as collisions and other kinds of accidents.

Check Your Boat’s Equipment

When you take out a recreational boat there are specific pieces of equipment that are required by the U.S. Coast Guard. For instance, you may need flags if you plan to go water-skiing and muffling devices. Such equipment may be covered in a policy from Aspen Gold Insurance Brokers, serving Broomfield, CO and beyond.

Safety Inspections

Have your boat ready at all times in case you get a safety inspection. Boat rangers conduct these inspections on Colorado waters. Be aware of the requirements for rafts, canoes, sailboats, personal watercraft, kayaks, and motorized vessels.

There are other things that are important to know when you’re thinking about boating safety tips. Be cautious and know the area where you’re taking your watercraft. For your boat insurance reach out to Aspen Gold Insurance Brokers of the greater Broomfield, CO area today.

What are the benefits of home insurance in Colorado?

benefits of home insurance

The Broomfield, CO area can be a great place to live. When you are here, there are plenty of great job opportunities and fun outdoor recreational options. If you do decide to move to this area, owning a property is a great option. If you are going to purchase a home in this area of Colorado, you should consider getting a home insurance policy. There are several benefits that are received when you get home insurance here.

Covers Dwelling

One of the main reasons to get a home insurance policy here is that it can provide you with protection for your home and other important assets. One of the biggest investments that you will ever own is your property. With a home insurance property, you are going to receive coverage if your home is damaged by a fire, weather, or other casualties. You can also receive coverage for your personal belongings and assets.

Gives Liability Coverage

You should also get a home insurance policy because you will receive liability coverage. When you own a property and have a guest over, you are going to be taking on some personal liability risk. When you get a home insurance policy, you are going to receive coverage to mitigate this risk. If you are sued for liability, this insurance will prove to be incredibly valuable. 

As you are shopping for home insurance in the Broomfield, CO area, you should contact the team at Aspen Gold Insurance Brokers. With Aspen Gold Insurance Brokers, you can be assured that all of your questions and concerns that come with buying a home and getting insurance are addressed. This will help you to choose a policy that provides you and your property with the appropriate level of insurance coverage.  Aspen Gold Insurance Brokers can also bundle your home and auto insurance, saving you money. 

Understanding Auto Insurance

auto insurance

To have the best auto insurance on the market today, you better have a good understanding of the coverage needed. Usually, that equates to what is and isn’t in the agreed policy. In addition, it’s wise to educate yourself on the different types of coverage available. The good people of Aspen Gold Insurance Brokers of Broomfield, CO will have a better understanding of the state minimum requirements expected on a standard auto insurance policy. 

Standard automobile insurance coverage provides financial protection against a vehicle accident that causes damage to you and another person’s car or personal property. But the wording inside the agreement may not pay for all of the repairs sustained in an auto wreck. Thus, you may need to consider having a more complete insurance policy to gain full coverage on your vehicle. 

Mandatory Auto Insurance Coverage

The state of Colorado requires all automobile owners to carry a mandatory amount of auto liability insurance. The law stipulates the following minimums of $15,000-per-accident for property damage, $25,000-per-person for bodily injury, and 50,000-per-accident for bodily injury.

The coverage pays for all costs associated with the injuries and possible death caused by the crash. That includes all medical expenses for you, the other driver, and passengers. Plus, all parties will receive payment for lost wages and other accident-related expenses. Finally, auto liability insurance will reimburse those individuals who suffered damage to their personal property from the accident. 

Optional Auto Insurance Coverage

A standard automobile insurance policy will assist with covering the cost of the damage sustained to your automobile in a road accident. But that doesn’t necessarily mean all of the repairs will be fully covered. This is when optional auto insurance coverage such as collision and comprehensive comes in very handy.

Collision insurance will reimburse you for the damage done to your vehicle as a result of an accident with another car or object on the road. Comprehensive insurance helps to protect against theft or damage is done (fire, flood, vandalism, fallen rock, or tree) from something other than another automobile.

It’s important to understand auto insurance before agreeing to the conditions of a policy. Speak with a professional from Aspen Gold Insurance Brokers of Broomfield, CO to get a better grasp of the coverage needed to protect your car. We can create an automobile insurance policy that fits your needs. 

Is Umbrella Insurance Recommended For Vacation Cottages?

umbrella insurance costs

Renting out vacation cottages can create additional risks for liability by guests who are renting the property, or even others who are visiting the site. Of course, rentals are required to have special liability insurance, but there are some instances where having umbrella coverage can protect against potential losses. 

Umbrella Coverage For Rentals

If there is an instance where there is potential for liability claims that exceed the limits of the current insurance policy that is in place, it would be wise to obtain umbrella insurance coverage. For example, there may be water near the rental or even craft at the residence. This protection can give the owner of the property additional security in the event of an accident or other covered incident.

Getting Quality Umbrella Coverage

An insurance agent can help assess the need for umbrella insurance and then offer common-sense suggestions for coverage options. This will help prevent any gaps and potential losses if there is an issue with guests at a rental cabin or home. Having quality insurance in place is always the best way to cover a property, which is why having a skilled agent to work with you through the selection process is highly recommended. Rental owners who are located near the Broomfield CO area should consult with Aspen Gold Insurance Brokers before choosing an umbrella policy.

Protect yourself and your investment with high-quality umbrella insurance. People who are currently searching for insurance policies to protect rentals near Broomfield, CO should schedule a consultation with one of the agents at Aspen Gold Insurance Brokers to get a better understanding of how they can add an additional layer of protection to the insurance that is already in place. 

3 Ways to Prevent Motorcycle Theft

Motorcycle Insurance

Whether you love the open road or just have an appreciation for well-made bikes, it’s likely that your motorcycle is your favorite vehicle in the garage. But many motorcycle owners might be surprised at just how vulnerable it is to theft. To prevent motorcycle theft in Colorado starts with taking a few more precautions. Aspen Gold Insurance Brokers wants you to understand more about what it means to keep one of your most prized possessions safe from harm.  

1) Watch Where You Park 

The very nature of a motorcycle makes it prone to theft, especially given just how light they are compared to a normal vehicle. If you park it out of the way, a motivated thief can easily carry it off without having to do much of anything at all. 

2) Buy an Anti-Theft Device 

Tracking devices may only help so much if the motorcycle has been dismantled, but they do give you (and law enforcement) some leeway. Plus, the very presence of a good anti-theft device can inspire a criminal to just keep moving. 

3) Always Lock the Ignition 

It might seem obvious, but most thefts occur when the ignition isn’t locked. As convenient as it may seem to just turn it off when you’re popping into a store for a minute, make the extra effort to turn it off so there’s no trouble later on. 

A good insurance policy may not be able to prevent theft, but it can help you replace your motorcycle if something does happen to it. Aspen Gold Insurance Brokers is here to help the people of Broomfield, CO stay safe no matter where life happens to take them. Give us a call today if you’re looking for coverage or a quote that will protect the drive.

Read more information on motorcycle insurance here.

Life Insurance Benefits Beyond the Death Benefit

life insurance benefits

Discussing life insurance can often be a difficult topic of conversation. The team at Aspen Gold Insurance Brokers understands the importance of life insurance benefits and also respects the sensitive nature of its discussion. We have worked with residents in the greater Broomfield, CO area to help them to better understand their life insurance options and help them determine which policy type and coverage level is right for them and their families. If you would like to know more about this important financial tool, call or stop by our offices today.

Benefits of a Comprehensive Life Insurance Policy

In addition to a death benefit that can provide a significant amount of help to your family in the event of your untimely passing, there are other benefits that come with life insurance. Choosing a whole life or universal policy, for example, will ensure that your family receives additional benefits than just a death penalty. These comprehensive policies can allow you to borrow against their cash value while you are still alive. This benefit is a significant help when it comes to major life expenses like college tuition, weddings, retirement, medical or purchasing a home.

Depending on the type of policy that you choose, your family may be eligible to receive both a death benefit and financial benefits during your lifetime. There are many good reasons to include a robust life insurance policy in your overall financial planning, and our team of knowledgeable agents at Aspen Gold Insurance Brokers are here to help. Now is a perfect time to learn more!

There are many different options when it comes to the policy types that are available to residents in the greater Broomfield, CO area. If you want to find out more about life insurance benefits, call or stop by or visit Aspen Gold Insurance Brokers today.

3 Tips for Buying Health Insurance in Colorado

cheap health insurance

Health insurance always seems to be a hot topic. But the fact is, you need it. Not only does buying health insurance protect you and your family in the event of an illness or injury, but it also saves you money in the long run by covering a portion of any medical expenses incurred. If you don’t have health insurance, the team at Aspen Gold Insurance Brokers first and foremost wants you to know that health insurance really is affordable. In fact, we’ve put together three quick tips you can follow to help you find the right policy and save time and money along the away.

1. Work with a Reputable Agent

Health insurance quotes contain a lot of detail, and you’ll need a reputable, knowledgeable insurance agent to help you sift through it all. These professionals are available to answer all your questions, look for ways to save you money, and help you secure the right policy for your needs and budget in a timely manner.

2. Bundle Your Health Insurance

Adding your new health insurance policy in Colorado under one carrier along with your other policies will save you money on your premiums. A reputable insurance agent can help you bundle your policies with the right carrier for maximum savings.

3. Compare Many Insurance Quotes

It’s recommended to compare several health insurance quotes to find the right one for you and your family. Each quote will have differences in coverage and cost that you need to be aware of. It’s also important to check and see if your current providers are in network and be prepared to change providers if you go with a plan where they are out of network. Again, a reputable insurance agent will be able to quickly point these differences out.

Don’t go another day without buying health insurance. Instead, contact the Aspen Gold Insurance Brokers to work with one of our reputable agents, serving the Broomfield, CO area.

Is an Umbrella Insurance Policy the Right Move for Your Finances?

Umbrella insurance policy

Your home insurance, auto insurance, and commercial insurance policies form the foundation of your financial protection strategy. Sometimes, however, these contracts may not be enough to fully cover your assets. An umbrella policy from Aspen Gold Insurance Brokers is the best way to add extra coverage to all aspects of your financial life. How can you be sure an umbrella policy is right for you?

  • You recently invested in a business. Starting or expanding your business leaves you vulnerable to cash flow problems. If a covered event triggers your commercial insurance policy, your payout may not be enough to help you pay off loans for new equipment and necessary replacements. An umbrella policy would give you extra cash to help cover other related expenses.
  • You have very little personal savings. If your emergency fund is a little light, an umbrella policy can help you take care of expenses that aren’t covered by the payouts from your auto or home insurance policy. Even if your savings account is full, it’s a good idea to use the money from your umbrella policy and protect your nest egg.
  • You work with the public in a professional capacity. Providing personal services to the public leaves you open to potentially expensive litigations. A professional liability plan helps you pay for lawyers and other court-related costs. However, an umbrella policy ensures that you never lack the funds you need for a proper defense.

An umbrella insurance policy is a low-cost protection plan that can be applied to every aspect of your insurance portfolio. The experts at Aspen Gold Insurance Brokers can help you customize a personal or commercial umbrella insurance policy that perfectly fits your Colorado lifestyle.

What Is The Motorcycle Operator Safety Training Program? (MOST)

Motorcycle Insurance

If you plan to ride a motorcycle in or around Broomfield, CO, the Colorado State Patrol offers the Motorcycle Operator Safety Training (MOST) Program to help you get licensed and stay safe on the road. As the most comprehensive motorcycle safety program in the state, insurance agencies such as Aspen Gold Insurance Brokers highly encourage customers to take advantage of this fun and educational program.

MOST Helps You Ride Legally

Successful completion of the Motorcycle Operator Safety Training Program provides students with a license waiver card that allows you to receive your M endorsement on your driver’s license. Many riders find the experience given by the trained professionals in the MOST program is more educational and informative than other motorcycle license preparation courses. MOST helps you bypass taking another testing before you get endorsed. By presenting your completed waiver to the Colorado DMV you can receive your M endorsement with no need to pass a written exam.

MOST Helps You Ride Safely

The safety instruction in this program is so renowned it’s accepted as training for other state’s licensing requirements. We cannot ignore the benefits of proper motorcycle safety: A study in 2015 found 35% of motorcycle fatalities in Colorado involved riders who lacked professional training. The Colorado State Patrol aims to lower accidents like these and those caused by drunken motorcyclists by making MOST a high-quality safety program with outstanding advantages for those who complete it.

Aspen Gold Insurance Brokers encourages anyone with an interest in motorcycling and motorcycle insurance around Colorado to look into CSP’s Motorcycle Operator Safety Training Program to stay safe and legal out on the road.

Life Insurance Myths

life insurance myths

Don’t fall for these five common life insurance myths.

1. Young, healthy adults don’t need it.

Actually, if you are young, life insurance makes a lot of sense. Most of the time, life insurance is relatively inexpensive for younger people. Additionally, young people usually either have children or will soon have children. This means that if something happens to you, your child’s other parent will be left with many years to pay the bills and care for the kids as they grow up. Life insurance can help care for your children if you are not around to do so.

2. Singles don’t need it.

Even if you are single, life insurance is still a good idea. If something happens to you, your closest relative will be saddled with the costs of funeral and burial expenses. Additionally, if you have any debts, life insurance can ensure that your family members are not stuck with trying to pay those off.  And wouldn’t it be nice, even if you don’t have children of your own, to leave a legacy for your nieces, nephews or other young people if you were to pass unexpectedly?

3. Stay at home parents don’t need it.

Think about all the work that is done by a stay at home parent. If something happens to you, your surviving spouse will be left trying to care for your children, keep the house clean, and manage all the tiny details of daily life that you do every day. Daycare costs alone can make insurance a necessity for stay at home parents. Additionally, having adequate life insurance from Aspen Gold Insurance Brokers can allow the surviving spouse to take time off of work to make the transition to single parenting.

4. Older people and those with health problems can’t get it.

While it’s true that the rates are cheaper for young people, life insurance policies do exist for older people.  Also, there are life insurance policies that are specifically for those who have health problems. Before you assume that life insurance is not available for you, ask your agent for more information.

If you have questions about life insurance myths in the Denver, CO area, contact Aspen Gold Insurance Brokers.