Premier Group Insurance knows that Lakewood, CO, residents love their outdoor pursuits. This mid-sized town outside of Denver features multiple lakes and reservoirs for watersports and tourism, so many people in the area own jet skis and Seadoos.

Recreational Insurance Coverage

When you purchase your recreational insurance initially, we’ll ask you to list all the equipment and transportation you want it to cover. You’ll need to list each boat, jet ski, Seadoo, ATV, dune buggy, etc., that you want the policy to cover.

We’ll also need the value of each when you purchased it, so you should provide a copy of your purchase receipt. If you received it as a gift, print the product page from the manufacturer’s website that shows the manufacturer’s retail price.

What to Do When You Buy New Equipment

It would be best if you let your insurance agent know when you purchase another Seadoo or jet ski. We’re not nosy. We need to add that equipment to the list of items covered on your recreational insurance policy. Not every item causes your premiums to go up, but your premiums will increase if you purchase something big like a pontoon boat or a yacht.

Contact Premier Group Insurance Today

Contact Premier Group Insurance today to insure your recreational equipment used in Lakewood, CO. Enjoy the area’s lakes but insure your ATVs, boats, and other motorized toys first. Recreational insurance covers liability and your equipment’s value, so don’t skimp on it. Fully insure your recreational toys today.

Preparing your motorhome for a storm here in the Lakewood, CO area is essential to maintaining your vehicle and ensuring it remains in good condition. Here are some tips from us at Premier Group Insurance to help you get ready for the upcoming storm season: 

1. Check all seals, doors, windows, and roof vents for any signs of wear or damage. These need to be sealed up properly before the storm hits to prevent water from leaking into your motorhome. 
2. Inspect all hoses and connections outside your motorhome to ensure they are secure and in good condition. Damaged hoses can become clogged during a storm and cause water to back into your vehicle, so replace any worn or damaged parts before the storm arrives. 
3. Ensure that all items inside your motorhome are adequately secured so they don’t shift around during strong winds or heavy rains. Things like cabinets, chairs, and drawers should be strapped down with bungee cords or other fasteners to keep them in place during the storm. 
4. Cover any exposed windows with plastic sheeting or boards to protect them from damaging wind-blown debris. If you don’t want to do this yourself, ask an authorized repair shop if they offer this service as many do. 

By following these tips, you can help ensure your motorhome is ready for whatever Mother Nature throws! For more information, give us at Premier Group Insurance a call today. We proudly serve the Lakewood, CO area and would be happy to help you find a policy that suits your needs and budget.

When Your Vacation or Permanent Housing is Highway-Ready

As you can imagine, RVing is popular in the beautiful state of Colorado. The DMV even has its own RV to bring services closer to people all over the state! Liability insurance is required of RVs and other vehicles to ensure that the damage the vehicle is involved in is covered. There are a couple of specific concerns that you’ll want to cover with us at Premier Group Insurance in Lakewood, CO. One is the exact coverage that you need according to the state for RVs and travel trailers, and the additional coverage that’s wise to protect yourself, other drivers, and any assets these people may have.

Who’s Covered with RV Liability?

Colorado requires the same basic coverage as automobiles and SUVs for RVs and travel trailers. In addition, the people you authorize to operate these vehicles are covered in the same ways, with specific concerns about whether they have their automobile insurance policy and are family members. Since the licensing requirements are similar or the same for RV driving in most cases, they’re already ready to go, just as they would be if they rented one for themselves.

Special Cases Such as Class A RVs

You’ve probably seen bus-style RVs which look similar to commercial long-distance buses on an enormous, heavy chassis, some costing well over a million dollars. They’re great to tour at convention center shows! Some of them exceed the 25,000-pound weight limit that puts them in Class A and leads to CDL or commercial driver’s licenses and other requirements. Your child, neighbor, or friend isn’t automatically authorized for these. Call Premier Group Insurance in Lakewood, CO to customize your family RV coverage today!

Colorado is an excellent state for motorcycle riders. The Rocky Mountains provide some of the most beautiful scenery in the country, and the roads are generally well-maintained. However, before you hit the open road on your motorcycle, it’s essential to make sure you have the proper insurance in place. Here’s what you need to know about motorcycle insurance from Premier Group Insurance.

What Does Motorcycle Insurance Cover? 

We can break the average motorcycle insurance policy into a liability, collision, and comprehensive coverage.

Liability insurance can help protect you financially if you cause an accident that results in either property damage or injury to another individual. Collision coverage could cover any damages sustained by your motorcycle in a collision, regardless of who was at fault. Comprehensive coverage can cover all other scenarios leading to damage or loss, such as theft, vandalism, or weather-related incidents.

Do I Need Motorcycle Insurance in Colorado? 

The short answer is yes – if you plan to ride your motorcycle on public roads in Colorado, you must have at least the minimum liability insurance required by state law. If you’re financing your bike, your lender will require you to carry collision and comprehensive coverage. 

Even if you’re not required to carry insurance, though, it’s still a good idea to do so. Accidents happen, and it’s always better to be safe than sorry. You could face a lawsuit if you’re found at fault for an accident that causes injuries or property damage. A good motorcycle insurance policy can help protect your assets if you’re sued. 

If you have any questions about motorcycle insurance or would like a quote for coverage, please contact Premier Group Insurance today. We’ll be happy to help!

Owning a boat can take a lot of work to keep things running smoothly. One thing that is a must for keeping it protected is insurance. If you have a boat, it is a good idea to check out the requirements and options for boat insurance. Here are some of the types of coverage that are available for boating insurance.

Types of boat insurance

Liability

Liability insurance covers costs related to an accident that you caused. If you hit someone’s property or injured someone, they could sue you for the damages. In the case of a lawsuit, your liability insurance could help cover the costs related to the lawsuit. Even if they don’t file a lawsuit, your insurance will cover medical bills and repairs for the other party involved.

Physical damage coverage

If physical damage coverage is a part of your policy, it will take care of the costs of any physical damage to your watercraft. This includes equipment and machinery related to the boat and any personal belongings.

Loss settlement coverage

There are two types of coverage under loss settlement insurance: the agreed-on amount and actual cash value. Agreed value is the value that you and the insurance company agree on to cover the loss of your boat. The actual cash value is the value of your boat at that given time and could be less than the agreed value.

Personal property coverage

Personal property coverage includes any personal effects you have on your boat, such as clothes, shoes, electronic items, etc.

Emergency towing and assistance

If you get stuck somewhere and need assistance or towing, your insurance coverage could help take care of the cost depending on what is in your policy.

Medical payments coverage

If you or anyone else on your boat gets injured in an accident, no matter who is at fault, medical payment coverage covers the medical costs.

Uninsured/underinsured boater coverage

Sometimes, boaters get into an accident with another boater who doesn’t have any insurance. In this case, it is helpful to have uninsured boater coverage to ensure you are covered. If the uninsured boater was at fault, this could come in handy and ensure that you would still be covered.

Contact us

If you need boat insurance, look no further than Premier Group Insurance in Lakewood, CO.

If you want as much coverage as you need in case of a serious accident, you may wonder whether your home and auto insurance is enough for you. Most of the time, it isn’t. These policies often come with enough liability coverage to stay legal without having enough that it can cover a costly accident. There is umbrella insurance to get better coverage without paying an enormous amount. When you’re interested in getting an umbrella policy, call us now at Premier Group Insurance in Lakewood, CO to get started. 

Liability Coverage

When there is an accident in your home, and someone is injured, you need liability coverage in your home insurance policy to pay for it. You need liability coverage in your auto policy when an accident happens involving your vehicle, and you are at fault for it. While the costs are relatively low, an expensive accident may come with so many medical bills that your home or auto policy maxes out and doesn’t pay for all of them. When that happens, you owe anything that’s left to pay. You can fix this by having umbrella insurance. It adds more liability insurance to both of these policies so that your policy will take care of the overage. 

Low-Cost Coverage

Umbrella insurance is well-known for having very high maximums and not costing very much. It costs far less to get an umbrella policy than you would if you added more liability coverage to your home and auto policies. You can save money and be very well protected at the same time. 

Get Umbrella Insurance

If you want to be better covered with an umbrella insurance policy, call Premier Group Insurance in Lakewood, CO today.