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Aspen Gold Insurance Brokers

11001 West 120th Ave, Suite 400
Broomfield, CO 80021

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Even If Your Boat’s Paid Off, You Should Keep Your Boat Insurance

Your boat may be paid off. If so, you don’t have to worry about carrying coverage in order to qualify for the conditions of a loan. However, most marinas have guidelines for insurance coverage as a condition of docking there. Besides, do you really want to worry every time a stern line slips and your craft knocks against the fender? Ask your Aspen Gold Insurance Brokers about the types of coverage you need to protect your vessel in Broomfield, CO. In the meantime, here’s some basic information to get you started.

Boat Coverage for Your Craft

In most circumstances, a boat policy is an "All Risk" policy that covers an array of misfortunes that could happen to your vessel. This includes vandalism, theft, fire, lightning, grounding or sinking, and it may even include stolen or lost belongings. Consider options that cover personal items, such as watersports equipment or fishing equipment. In the case of a breakdown, tow coverage is a real lifesaver. 

You can get coverage for physical damage to another boat in the case of a collision or other event where you are held liable for personal injury or property damage while operating your boat. Maybe you want to protect yourself against underinsured or uninsured boaters. Whatever coverage you want or need is probably available, and it’s just a matter of prioritizing what fits into your budget.

Cover the Value of Your Boat

The more valuable your boat, the more you need boat insurance to protect you against financial loss. An umbrella policy takes over when you’ve reached the limit of your boat’s liability insurance. Contact Aspen Gold Insurance Brokers to cover your boat in Broomfield, CO.

Typical Reasons for Filing a Homeowners Insurance Claim in CO

Making sure you have homeowners insurance if you live in Broomfield, CO is very important. A home insurance policy is super important and when it comes time to file a claim for damages that need repair, you will realize why. Make sure you are covered and if you have any questions about what coverage options you need, contact Aspen Gold Insurance Brokers to discuss specific details further. Find out what typical reasons for filing claims are in this post. 

Storm Damage

Heavy winds, hail, sleet, snow, ice, rain, wildfires, floods, and other hazardous weather events can really do a lot of damage to homes in Colorado. That is why it is ultra important to stay covered with a homeowners policy. These events represent a major reason homeowner’s file claims. Be sure to assess damages and contact an agent right away if damages from weather destroy parts of your home (or the entire home).  

Water Damage

Many homeowners get flood insurance protection if they live in a vulnerable area prone to flooding but others might find their home has been damaged by water without a flood. This can include things like burst pipes, backups in plumbing or leaks. These events can cause major damage to property. Find out why these typical claims are important by talking with an agent at Aspen Gold Insurance Brokers.  

Fire Damage

Another major reason for filing claims is fire and smoke damages to homes. Homeowners can be devastated by the damage and destruction left behind after a fire has engulfed their home or parts of it. The fire and the smoke can damage any kind of property within or outside the home. Be sure to discuss the fire damage coverage options available on select policies in Broomfield, CO. 

Benefits of Buying Auto Insurance Directly from the Insurer

Have you ever wondered if you should purchase auto insurance direct from an insurance agency? When you go to buy auto insurance in Westminster, CO, make sure that you understand the pros and cons of going through direct providers for it.

Going through a direct provider means that you will not need to make an appointment to discuss your options. You can avoid taking a great deal of time out of your busy life, and look at auto insurance quotes online. You can go at your own pace as you look at information about the various insurance policies. In fact, there is much more you can do online, including filing any insurance claims and updating terms for your policy.

By purchasing the coverage directly through the car insurance company, you know that you only will be dealing with them. You won’t ever have to deal with an agent.

Another great thing about direct providers is that you will receive competitive rates, as well as a variety of discounts for auto insurance. You never have to worry about getting all of the information, as it should all be available on the provider’s website.

Management of your auto insurance policy is more favorable when you have a direct provider. For instance, you’ll have more options when it comes to adding a car to your policy or changing your coverage. You’ll have greater access to customer service hotlines, as well as be able to create an online account where you can manage it with ease.

It is crucial you know what are you getting into with a car insurance policy. Talk to specialists at Aspen Gold Insurance Brokers today. This will have you well on your way to finding a policy that will leave you feeling pleased.

 

 

 

 

Commercial Insurance & Harassment Claims

A business can do everything right. It can market well, watch the bottom line and accounting reports, manage credit wisely and hire smart. All of the right moves can be made that under any business textbook traditionally mean success, and yet the same company with all of those decisions going in the right direction can still be bankrupted by an unexpected legal claim unaddressed by typical business insurance. The fact is, legal risk remains one of the top reason that force many small businesses to fold prematurely, whether in Westminster, CO or in other towns across the U.S. That’s because the cost of defense, motions, trial and potentially losing a claim can be in the dozens of thousands of dollars, the very resource a small business needs the most of for liquidity and growth.

However, commercial insurance can go a long way in protecting small businesses as well. A commercial insurance policy is for more than just property protection and business contract disputes. It can protect against employee-related claims like harassment allegations as well. In a day and age where behavior in the workplace can be just as much of a cost risk as an omission in a service agreement, insurance protection is a must for a new business. The staff at Aspen Gold Insurance Brokers can help. They are able to tap into dozens of business-oriented coverage products that can be tailored to the specific needs of a given Westminster, CO small business. So you don’t need to jam your company’s needs into a generic box. Aspen Gold Insurance Brokers can match your need with the right product easily; give them a call today to find out more.

Does motorcycle insurance cover theft?

With its many open spaces and mountain backdrop, Westminster, CO is a great place for riding a motorcycle. Many people take advantage of the beautiful area, taking in beautiful scenery for both work commutes and recreation. 

If you own a motorcycle in Colorado, you will need to register your bike and get insurance for the motorcycle. You can find a policy that suits your needs at Aspen Gold Insurance Brokers, either purchasing the minimum policy you can get away with by law or finding a policy that offers more on its return. 

Minimum Insurance Requirements

But motorcycles  being so valuable and popular, it is important to know whether your policy covers theft. Unless they have extra protection, motorcycles may be stolen quickly once they are parked. If you only purchased a policy that covered the minimum requirements, you may be unprotected in many other areas.

The insurance policy you are required to have by law is for liability. You need to have at least the minimum amounts of coverage for both bodily injury and property damage. That way if you collide with a person or vehicle your insurance can help pay for the damages. 

Comprehensive Insurance Policy

In order to protect your asset from more dangers, you will need a comprehensive policy. The comprehensive policy covers everything from weather to theft to accidents that don’t involve a collision. 

Standard comprehensive coverage will only insure up to the value of the bike, with standard parts, but you can ask about additional coverages for accessories and special parts.

Riding a motorcycle in Westminster, CO is fun and exciting, but you don’t want to be unprotected. Call Aspen Gold Insurance Brokers today to discuss your current coverage and get a free quote.

Boat Insurance Pros and Cons in Westerminster, CO

Even if you’re not required to have boat insurance, it’s important to protect your boat and your crew from harm. You can get dependable coverage and rest easy knowing your watercraft is covered, bow to stern.

Whether your preference is a slow and lazy float down the Colorado River or high-speed shenanigans on one of the gorgeous lakes near Westminster, CO, boat ownership can be a joy. It’s easy to relax with no worries when you know you have adequate coverage to handle any unforeseen dangers you face on the water. Ask one of our Aspen Gold Insurance Brokers what coverage works for your watercraft.

What Does Boat Insurance Cover?

Boat insurance pays for repair or replacement if your boat is damaged. It covers the motor and most types of boats, including paddle boats, fishing boats, pontoons, and yachts, among others. Boat insurance won’t pay for damage to less robust watercraft, such as kayaks, canoes or personal watercraft (PWC).

What Types of Insurance Might You Need?

Liability insurance is not required to boat on Colorado’s rivers and lakes. However, it’s important to get liability insurance to protect your boat and other assets in the event that your watercraft is involved in an accident. Also, consider additional coverage to repair or replace your boat if you have a collision with an uninsured boater.

Keep in mind that, although the state of Colorado doesn’t require insurance to operate a boat, many marinas require boat insurance to dock your boat. If you still owe money borrowed to pay for your boat, your lender probably requires adequate coverage as a condition of the loan.

Contact Us

For these reasons and more, contact Aspen Gold Insurance Brokers today to schedule an appointment for a quote. Ask us about our other insurance policies for your home, health, and well-being in Westminster, CO.

FAQ’s About Umbrella Insurance

There are many frequently asked questions about umbrella insurance. Perhaps the most frequently asked is….

Just What Is Umbrella Insurance?

It’s called "umbrella" insurance because it covers so much. It’s a supplement to basic liability policies such as home, auto, or renters.

Why Is It Important?

Is your home important? This plus your car, investments, and retirement fund are all important accounts that need to be secured. If you’re ever sued or are short on basic insurance, umbrella insurance is perfect for that rainy day. Should anything unfortunate happen, umbrella insurance is the thing standing between you and financial ruin.

How Much Should I Have?

Ask yourself the following three questions. How risky is my life in general? What is the net worth of my assets? What would happen if I were to lose my income? An agent of Aspen Gold Insurance Brokers of Westminster, CO will be happy to help you figure out how much insurance you need.

What Does It Cover?

Umbrella insurance will cover the cost of medical bills or liability claims should you be found at fault for another’s injury or property damage. If you are a landlord, umbrella insurance is essential for covering liability claims made on your property. If you are sued for libel, slander or otherwise causing mental anguish, umbrella insurance is there for you.

How Does It Work?

Once your basic liability limit has been maxed out, umbrella insurance can give you that extra you need so that you won’t pay much, or perhaps anything out of pocket. Should you be in a business on the risky side and already have general liability insurance, umbrella insurance increases your coverage limit.

Have more questions? Contact an agent at Aspen Gold Insurance Brokers of Westminster, CO.

How Does My Health Insurance Deductible Affect My Monthly Premium?

There can be some confusion when it comes to purchasing health insurance, which is why it is important to understand how your policy works. One commonly misunderstood issues are how the deductible effects the monthly premium of your insurance policy. Understanding this information can help you make a decision that works for your lifestyle and budget.

How Your Deductible Affects Your Premium

Generally speaking, the higher your deductible, the lower your premium will be each month. When shopping for insurance, it is key to consider factors such as your overall health, age, and income. If you are chronically ill, have ongoing medical issues, or are over 50, then you may want to consider having a lower deductible. If you are hospitalized or you have frequent doctor visits, it can help prevent high out of pocket expenses before your insurance kicks in.

Get The Information You Need To Make A Good Decision

When you shop for health insurance, you should know approximately what your budget is, your need for healthcare, and your ability to meet the deductible. If you do business with a reputable insurance provider, they can help match you with a policy that meets your criteria and stays within your budget. A quality insurance company serving the residents in and around Westminster, CO, is Aspen Gold Insurance Brokers. They have highly trained staff that can answer your questions and get you the coverage you need to have peace of mind.

Don’t risk going without health insurance coverage. A serious medical issue can possibly create devastating financial consequences. Aspen Gold Insurance Brokers looks forward to serving people who live in and around Westminster, Co, and are ready to help you find insurance products that fit your life. Call or stop by today for more information and to speak to a representative.

Do I need life insurance at the age of 60?

The lingering question on the minds of many seniors is whether or not it’s worthwhile to have life insurance coverage at the age of 60 and beyond. Actually, the question is more difficult than it sounds. When we are younger, we feel obligated to protect our families from any unforeseen happening. But as we get older, our kids become grownups and we begin wondering whether it’s necessary to continue servicing our life insurance policies.

Aspen Gold Insurance Brokers is an experienced provider of life insurance policies to Westminster, CO residents and will seek to answer this question comprehensively.

Life is Priceless

Life insurance is never about attaching value to your life. The purpose of this kind of coverage is to provide financial assistance to your dependents when you pass on or when you can’t work and provide for them. If you’re married, it’s still important for both of you to take life insurance policies. So, in case one of you passes away, the other parent can use the proceeds from the coverage to take care of the kids.

Why You Might Need Life Insurance at Over 60

In general, it’s advisable to keep your life insurance coverage until you’re 65 years old, then you can begin living on your pension and savings. However, some situations may necessitate having life insurance in your 60s. They include:

You Have Kids Who Are Your Dependents

Sometimes you may have kids that are dependent on you in your 60s. One example is if you had kids late in your life and they’re probably still in high-school or college. Your kids could be grownups but are suffering from physical or mental disability hence the need to leave them some financial help when you pass on. Additionally, you could be raising your grandchildren since their parents passed on or abandoned them.

Need to Leave a Financial Legacy

Some parents choose to keep their life insurance policies in order to leave some inheritance for their kids. If you took up a permanent life insurance policy, the cash value must have significantly grown and you’d want to stick with it to the end.

Complicated Marriages or Relationships

Marital situations might force you to take a life insurance policy at the age of 60. For instance, if your partner is not eligible to receive your pension when you pass on, you may want to keep your life insurance coverage to protect your spouse from financial hardships when you pass on.

The decision on whether or not to keep your life insurance beyond 60 years can sometimes be a complicated endeavor that may require professional support. Aspen Gold Insurance Brokers are experienced in providing various life insurance coverage options in Westminster, CO. Contact us today for a quote or for any inquiries about life insurance.

 

 

What Is The Difference Between A Universal Helmet Lawn and a Partial Helmet Law?

There are only three states in the country with no type of helmet law in place. Colorado has a partial helmet law in place compared to other states who have a stricter universal law. If you live in Westminster, CO and are unsure of what is included in the state’s partial helmet law, the agents at Aspen Gold Insurance Brokers can fill you in. 

Universal Helmet Law

A universal helmet law requires every motorcycle rider to wear a helmet while they are on public roadways. Your age and skill level are not determining factors. To ride legally in a state that has a universal helmet law, you must have a helmet that is DOT approved. There are 19 states that require all motorcycle riders to wear a helmet that meets DOT standards.

Partial Helmet Law

Colorado is one of 28 states that require only certain riders to wear helmets. Passengers under the age of 18 and those who are still riding on a learner’s permit must wear a DOT approved helmet at all times while riding their motorcycles on public roads. If you are unsure if your helmet is DOT approved, all you have to do is look at the back. DOT approved helmets will have a DOT "Certified" sticker centered on the back.

The agents at Aspen Gold Insurance Brokers know the laws when it comes to helmet use in Westminster, CO. If you have any questions concerning your motorcycle policy or need information about local laws pertaining to helmets and other safety requirements, contact the office today. The agents will answer your questions and make sure you have all of the information you need.