4 Key Areas Covered by Motorcycle Insurance

Posted on May 26, 2022May 26, 2022 by admin

Whether you use your bike to commute, run errands, or conquer Falcon, CO roads on the weekend, you need motorcycle insurance from Pikes Peak Insurance Agency. Insuring your two-wheeler is not only mandatory in Colorado but protects you financially when you least expect it.

Wondering what exactly motorcycle insurance covers?

Here are 4 key areas covered by bike insurance:

Liability protection

When using your bike, you may cause an accident that leads to bodily injury or property damage to others. Without insurance, you are responsible for these third-party costs, most likely from your pocket. However, this shouldn’t be much of a headache if you have motorcycle insurance.

Asset protection

Motorcycle insurance compensates you if your bike is damaged. While motorcycle insurance doesn’t prevent perils from striking, it ensures you don’t face the financial consequences alone. Getting sufficient comprehensive and collision coverage isn’t an option if you treasure your bike. This ensures you can replace your bike when the worst happens.

Medical expenses coverage

A minor bike accident may lead to serious injuries, and that’s why you need proper insurance coverage to cover your medical expenses when accidents occur. MedPay or PIP covers your medical expenses and those of your passengers without considering the person responsible for the accident.

Roadside assistance

If your bike stalls miles away from your residence, motorcycle insurance ensures you don’t remain stranded for long. The roadside assistance coverage offers puncture repair, gas delivery, battery jump starting, towing, and other services to ensure you are out of your predicament.

Motorcycle insurance in Falcon, CO

Whether you use your bike throughout or during weekends only, you must consider motorcycle insurance to bail you out when the worst happens. If you are in Falcon, CO and its environs, please contact Pikes Peak Insurance Agency today. We will offer you a motorcycle insurance policy that meets your unique needs.

Why Choose an Umbrella Policy

Posted on April 29, 2022May 11, 2022 by admin

If you’re like most people, you have insurance to protect your home in Falcon, CO. But what happens if you’re sued for something that doesn’t involve either of those? Is your current policy enough to protect you? Most times, the answer is no. That’s where umbrella insurance comes into the picture.

What is an Umbrella Policy?

An umbrella policy is an insurance policy that provides additional liability protection if you’re sued for more than your current coverage allows. It can help you protect your assets and your future earnings. The policy can also cover you for certain things that aren’t covered by your other policies, like defamation or slander. A Pikes Peak Insurance Agency can help determine if this coverage is right for you.

Why Do You Need an Umbrella Policy?

You might think that you don’t need an umbrella policy because you don’t have any assets to protect, or you don’t believe you’re at risk of being sued. But that’s not always the case. Here are a few situations where you might need an umbrella policy:

You have a lot of assets. If you have a lot of assets, you’re more likely to be sued for a larger amount of money. An umbrella policy can help protect your assets if you’re sued.

You have a pool, trampoline, or other recreational items. These are fun for the entire family and visitors. But they’re also more likely to cause injuries. If someone is injured on your property, you could be held liable. An umbrella policy can help protect you if you’re sued.

You have young children. If you have young children, they may be more likely to be involved in an accident. Extra coverage can help protect your assets.

Learn more about your policy options at Pikes Peak Insurance Agency in Falcon, CO. We’re here to help you find the right coverage for your needs. Give us a call today.

The ABCs About Boat Insurance

Posted on March 31, 2022April 13, 2022 by admin

If you have a boat in Falcon, CO, you may want the best insurance policy to protect your prized asset when the unthinkable occurs. But because you don’t understand the nitty-gritty of boat insurance, you may not get the best deal out there. Luckily, Pikes Peak Insurance Agency is here to help you navigate the boat insurance policy to help you get optimal protection.

Do you want to invest in boat insurance? Here is what you need to know about this coverage.

Is boat insurance mandatory?

No Colorado law requires you to invest in boat insurance. However, if a federally regulated lender finances your boat, they may insist you invest in boat insurance. But whether boat insurance is mandatory or not, every boater should invest in this coverage.

What does boat insurance cover?

Boat insurance is a worthwhile coverage that covers numerous areas. Some include:

Asset protection: Boat insurance compensates you for repairs or replacing your boat when damaged or lost because of a covered peril.
Liability protection: Watercraft insurance protects you when others accuse you of bodily injury and property damage. It also covers you when sued.
Medical payments: This coverage can cover medical bills for you and your passengers when involved in an accident.
Uninsured boater coverage: Since boat insurance isn’t mandatory in Colorado, you will encounter many uninsured boaters. Invest in uninsured boater coverage for peace of mind to ensure you aren’t exposed when you collide with boaters without insurance.

How much boat insurance do I need?

Invest in boat insurance that can cover the entire cost of your boat when totaled or stolen. This means you will incur little out-of-pocket expenses, lessening your financial burden.

Boat insurance in Falcon, CO

Need to learn more about boat insurance? Why don’t you contact Pikes Peak Insurance Agency for more information? You can also pop into our Falcon, CO offices to speak to one of our agents.

Do I need flood insurance?

Posted on February 15, 2022February 3, 2022 by admin

Flood insurance and who needs it can be a confusing topic! Luckily, the team here at Pikes Peak Insurance Agency is here to help you make sense of the topic. If you are a home or business owner in the greater Falcon, CO area, give us a call today and find out more.

Who needs flood insurance in our area?

Flood insurance can be a confusing topic for many people. If your home or office is located in a flood zone, your financial lender likely requires you to carry an appropriate flood insurance policy.

But what if you aren’t in a flood zone? Can you still benefit from flood insurance? There are some areas in our community where flood insurance is a good idea. Insurance coverage for water damage can exclude certain instances. If your home or commercial policy does not provide robust coverage for certain types of water damage, it only makes sense to take a closer look at your flood insurance options.

Our team is here to answer all of your questions and help you determine if flood insurance is right for your location. And, if you are in a flood zone and a flood insurance policy is a requirement from your lender, we can help with that too!

Now’s a great time to learn more about the benefits of flood insurance and if it makes sense for you to have this type of coverage. Give our office a call today!

Learn more about flood insurance today!

The Pikes Peak Insurance Agency is here to help our friends and neighbors in the Falcon, CO area with all of their insurance needs. If you are wondering if you need flood insurance, give us a call today to schedule an appointment and find out more.

Make sure your condo is protected

Posted on January 24, 2022February 3, 2022 by admin

The team here at Pikes Peak Insurance Agency wants to help condo owners in the Falcon, CO community protect their homes. If you are a condo owner, let us help you get the coverage you need!

Protect your condo with a comprehensive policy

Owning a condo is a great way to enjoy a low-maintenance lifestyle. When your friends are spending their weekends working on their lawns or shoveling snow, you can be out living!

If you are in the market for a condo, you will want to discuss your insurance policy options with one of our agents. Not all insurance policies are the same! There may be certain specific policy features that you want or need. And, it is always good to review your coverage level needs to ensure that your policy has the level of insurance protection that you need.

Determining the right policy for your unique needs does not need to be an overwhelming experience. With the right help and guidance from a local agent, you can get the policy that’s appropriate for your needs without too much stress. We want our clients to feel comfortable in their home, knowing it’s protected.

We can help you with all of your condo insurance needs. We work with current condo residents as well as community members who are just now starting to consider purchasing a unit. Wherever you are in the process, you can turn to us for all of your insurance needs.

Turn to us for all of your insurance needs!

Pikes Peak Insurance Agency is here for the Falcon, CO community. We want to help our friends and neighbors protect their homes. If you have any insurance needs that aren’t currently being met, give us a call or stop by our office today.

Does your boat insurance policy provide the level of coverage you need?

Posted on December 13, 2021December 9, 2021 by admin

Does your boat insurance policy provide all of the protection you need? Let the team at Pikes Peak Insurance Agency help you answer this important question! We are proud to offer the greater Falcon, CO community the insurance services they need to protect themselves and their possessions. Boat owners know how much having a vessel can improve their quality of life. You can also increase your peace of mind by carrying the right insurance protection for your needs.

Boat insurance policy levels

There are a number of different components that are available as part of a boat insurance policy. In addition to basic policies that provide protection from the most typical types of losses, there are a number of different policy options that provide more robust coverage. It makes sense to look at all of your policy options, especially if you want features such as:

Protection while transporting your vessel
Coverage while your boat is in the marina or dry dock
Towing coverage
Increased coverage for medical expenses
Reimbursement for loss or damage due to theft or vandalism

Protecting your boat, yourself, and your passengers are the primary purposes of boat insurance, but your policy doesn’t need to stop there. If you are considering a boat purchase, or think that it’s time to upgrade your current policy, there’s no time like the present!

Your boat insurance policy options

Here at Pikes Peak Insurance Agency, we take the time to understand our clients’ needs. If you are a boat owner in the greater Falcon, CO area and want to review your boat insurance, give us a call today!

Some Facts about Umbrella Insurance

Posted on November 29, 2021December 9, 2021 by admin

Umbrella insurance is a great insurance option to get coverage for all types of liabilities you may encounter. While you can get liability insurance included in many different types of insurance, such as car insurance and commercial insurance, umbrella insurance usually offers much larger coverage for many different situations.

Pikes Peak Insurance Agency in Falcon, CO very proudly offers umbrella insurance. We also strive to find the best price for everyone, and we work with different providers to achieve this. We service customers in the states of Arizona and Colorado.

What situations require umbrella insurance

Umbrella insurance is usually required in situations where the word "liability" fits in. Some examples of these situations include:

Someone visits your home and goes through bodily harm because of an accident within your house or garden. You could be liable to cover any medical costs or, in worse cases, you could be sued.
You might be liable if your pet hurts someone who visits your home, or in some cases, if your pet hurts another person outside.
In some cases, you could be liable if you go into someone else’s home and break one of their valuable items. While most of the time the owner of these items will have insured these items themselves, or it comes included in their home insurance, never assume that the replacement costs are automatically covered.
Underage members of your household cause harm to a visitor in your home. You are not only liable if you hurt someone in your household, but if your children are involved in an incident, this could make you liable too.

Pikes Peak Insurance Agency in Falcon, CO can help advise you on umbrella insurance and walk you through the different quotes offered. Call our office today or request a quote online.

Who Needs Flood Insurance?

Posted on October 15, 2021October 10, 2021 by admin

If you have heard about flood insurance, you might have wondered who actually needs this coverage. Isn’t it just for people who live in highly flood-prone areas? In fact, it’s something that most homeowners should think about. If you are interested in getting a flood insurance policy, contact us at Pikes Peak Insurance Agency in Falcon, CO.

Floods and Homes

There are many different causes of floods from storm surges to heavy rains. The floods that reach houses can an extreme amount of damage. Homeowners who have been through a flood will have a lot of repairs to do, and it’s even possible that the home will have to be rebuilt. Tackling these costs by yourself could be a nightmare, but that’s exactly what happens to homeowners who don’t have flood insurance.

Flood Areas

There are certain areas that are rated s being at high risk for floods. These flood-prone areas often come with legal requirements that mandate that the residents must have flood insurance. Many homeowners assume that because they aren’t mandated to have this coverage, they don’t need it. However, any area can flood. It’s up to every homeowner to get this coverage so that they aren’t left in a terrible financial position after a flood. Home insurance policies generally don’t cover most types of floods, so a separate policy is needed. Not only does it protect you, but it also gives you more peace of mind.

The Government and Flood Insurance

Because flood policies are so needed by American homeowners, the government has set up a nationwide program for flood insurance called the National Flood Insurance Program. This is backed by the government, so your flood policy price will be the same no matter where you get it.

Get Protected Against Floods

If your home doesn’t have flood insurance, it’s time to fix that. Call us at Pikes Peak Insurance Agency in Falcon, CO.

Colorado Condo Insurance Add-Ons You Might Want to Have

Posted on September 30, 2021October 10, 2021 by admin

There are a lot of perks to owning a condo, and one of them is a reduction in your own liabilities. Condo living marries apartment rental living with homeownership so that you gain control over your stuff and what you need, while a management company takes care of everything else from an insurance perspective.

At Pikes Peak Insurance Agency, we know Falcon, CO residents can get confused about what is or isn’t covered by their Colorado condo insurance policy. We can help you simplify your condo insurance, and make sure you have the most thorough coverage.

Learn about the add-ons to condo insurance that you can have.

What is Covered in Your Condo Insurance Policy

When you have a condo, there are two separate liabilities in play. Your condo board or management will have their own policy.

That policy will cover all property, structures, contents, and liabilities to common areas. Anything that is used by all members of the condo such as a common room, elevators, hallways, driveways, the roof, and other areas will be insured by someone else.

Your condo insurance policy will cover any liabilities that might happen on your property. Any improvements you make to your home will also be covered. It will also cover your contents and any damage to your property due to theft, fire, vandalism, or other perils.

There are other insurance add-ons you may want to consider.

Add-Ons to Condo Insurance

If you want more insurance coverage beyond contents and liabilities, you can consider more thorough coverage.

Add-ons to condo insurance include sewage back-up insurance, water damage insurance, or insurance such as earthquake insurance.

Flood insurance is also an important insurance that you will need to have in addition to your standard condo insurance.

There are a number of things that could cause damage to your condo or create a liability. It’s never too late to add more coverage.

Get a Quote

At Pikes Peak Insurance Agency, we want all Falcon, CO condo residents to be happy with their condo insurance coverage. Call us for a quote today.

Your Life Insurance Policy: Protecting Your Family

Posted on August 16, 2021August 7, 2021 by admin

Life insurance is a unique way of protecting the needs of your family and leaving behind a legacy that they know they can trust to get through the toughest times. At Pikes Peak Insurance Agency serving Falcon, CO, we can provide you with a policy that will protect your family and keep them safe.

How Your Policy Protects Your Family

When you buy a high-quality life insurance policy, you are investing not only in yourself but in the well-being of your family. These policies are designed to pay out if you pass away in any way (including murder, as long as the beneficiaries were not the ones who killed you), and can provide payment for many things.

For example, your loved ones may need help burying you after you pass away. With your insurance policy, they’ll get the money that they need after you pass. And they can also get payouts to help with just about any aspect of life, such as adjusting to a new financial situation after you pass, including if your spouse needs to get a job to support the family.

This protection option is something you should get sooner, rather than later. Even if you’re relatively young, death can come at many times in your life. We’re not trying to scare you by saying that, mind you. There’s a good chance that you have plenty of years of life left. However, it is vital to plan ahead, just in case.

Ways We Can Help

If you want a high-quality life insurance policy that makes sense for your needs, please don’t hesitate to contact us today at Pikes Peak Insurance Agency. We serve the Falcon, CO area and can provide the kind of long-term help that will ensure your policy is appropriate and suitable for your needs as a person.

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