If you are shopping for life insurance in Lakewood, CO, you may be overwhelmed. It seems like a complex process but it does not have to be. Your decision to invest in life insurance is a great one because it protects your family. You must, therefore, choose the right type of insurance from the right insurance provider. Contact a reputable insurance agency such as Colling Insurance Services, Inc. The agents will explain to you the different types of insurance and their extent of coverage. Understand how each insurance policy works before making a decision.

Important Questions When Buying Life Insurance

How much life insurance do I need?

Different people need different amounts of life insurance. Before buying life insurance, consider your financial responsibilities including mortgage payments and debt. If your family may have many needs in the future such as the costs of education, you need more life insurance. People who do not have a lot of debt or future family responsibilities may not need to buy much of it. What works well for one person may be insufficient for another.

Who are my beneficiaries?

Your life insurance policy goes to your beneficiaries after you die. You need to be careful when making that decision. Take time to think about it. Your beneficiaries could include your spouse, parents, kids, or siblings. However, you do not need to choose a person. You could choose an organization or a charity.

What policy is appropriate for my needs?

The basic life insurance policies are term life insurance and permanent life insurance. Term life insurance is for a specified length of time while permanent life insurance is a lifelong insurance. The type of insurance you choose depends on your needs.

Contact Colling Insurance Services, Inc. today for your life insurance needs in Lakewood, CO.

Why do I Need Motorcycle Insurance in Lakewood, CO?

Motorcycle insurance is a necessary protection for the motorist and anyone that they may hurt, as well vehicles that they may potentially damage on the road. A motorcycle insurance policy will back you financially in case of an accident, damage, or loss or theft of your motorcycle. Coverage is applicable to choppers, street bikes, mopeds, and Segways. Colling Insurance Services Inc. understands the ins and outs of motorcycle insurance and can guide you toward purchasing the right policy for your bike.

What Will a General Motorcycle Insurance Policy Cover?

A general motorcycle insurance policy will cover some costs incurred with damages and compensation if you cause damage or harm to another person and/or their property. Motorcycle insurance will also cover legal fees, including at-fault liability claims and judgments. Claims are covered only up to the limit of your policy amount.

Motorcycle insurance policies are customizable and can be done so to include medical payments, full replacement of your motorcycle, comprehensive coverage- which covers damage or loss outside of accidents, as well as theft, uninsured riders and more. Insurance coverage should be picked according to your bike type and usage- the riskier the vehicle and the more frequently it is used, the more insurance you will require.

What is Not Covered by a General Motorcycle Insurance Policy?

Because motorcycle insurance policies can be tailored, there is a lot that can potentially be covered by your policy. However, there are instances where your insurance will not cover you whatsoever. That is in the case of using your motorcycle to race or perform stunts, causing intentional bodily harm or damage to someone’s property, using your vehicle to perform deliveries or act as a taxi service, or committing crimes.  

Colling Insurance Services Inc. caters to the Lakewood, CO community and can help you figure out the best policy for your motorcycle. Contact one of our experienced agents today to get started. 

Dental work can be expensive in Lakewood, CO, so dental insurance can make sense for you as long as you understand what is being covered. This allows you to still see the dentist you prefer.

Many people don’t think insurance is worth it because you don’t come out ahead, and dental insurance is not a type of insurance that you are required to have, but there are a number of benefits.

Dental insurance emphasizes prevention, so typically two exams a year, x-rays cleanings and fluoride treatments are covered. This helps increase the chances that those with insurance will actually visit the dentist. Preventative care saves a lot of money in the long run. For those that need treatments, such as fillings, root canals and crowns, you won’t have to dig into your savings account and you’ll pay a lot less for any treatment that is needed. As adults get older, they may need more work on their teeth, which makes dental insurance worth the cost.

There are different types of dental insurance plans, and the best way to find one that works for your situation is by speaking with an agent at Colling Insurance Services Inc. An agent can help you decide if a PPO or HMO plan is better for you. HMO plans usually restrict coverage to dentists within a limited network. PPO plans allow patients to see dentists that are outside the network, but are charged much lower rates if they see a dentist that is within the preferred network. There are some waiting periods with dental insurance, so it’s important to get insurance before you need a cavity filled or some other dental work. You aren’t able to sign up for insurance just when you have an emergency.

Contact an agent at Colling Insurance Services Inc. serving Lakewood, CO to discuss dental insurance options.

With so many varied types of recreational vehicles, sometimes a single policy may not handle the different types of RVs (fifth wheels, motorhomes, travel trailers and pop-up campers). Usually, RV insurance may be required depending on the kind of RV you own. Read on to know more basics about this kind of insurance provided by insurers like Colling Insurance Services, Inc. serving the Lakewood, CO area.

RV insurance coverage comes handy for campers and motorhomes. What’s more, RVs come in different sizes and shapes. All vehicles driven on the road must be insured, including motorhomes. Note that there is a minimum liability your state requires for you to drive your RV legally.

Is it required?

Camper and RV liability insurance is needed in every state, including Colorado. The state also requires underinsured and uninsured motorist coverage for the following conditions: 

• When you buy a camper, travel trailer or RV             
• If you are living in the RV full-time
• When you use a rented RV for a vacation
• When you use the RV part-time

Are you wondering if your auto insurance or homeowners insurance offers enough coverage for your RV? The answer is no. Your camper, travel trailer, or RV requires a separate insurance plan.

What is covered?

RV insurance usually includes the following:

• Collision –the plan covers losses if you collide with other vehicles (no matter who is at fault) or a stationary object.
• Liability –this will cover expenses of property damage, bodily injury, and legal cost in case you are at fault.
• Comprehensive –this policy covers the cost of fire and smoke, collision, lightning hail, flood, animals, theft, windstorm, vandalism as well as overhangs or low branches.

Underinsured and uninsured and motorists –this will cover you, and the passengers should be a person who lacks enough or doesn’t have insurance cause an accident.

Some insurance companies can also provide additional coverages like:

• Vacation or campsite liability
• Total loss replacement
• Attached accessories
• Towing and roadside
• Emergency expenses
• Personal effects

Consult with your Lakewood, CO insurance companies such as Colling Insurance Services, Inc. to get more details regarding your RV coverage options.

As a motorcycle rider, you may wish to take family, friends or loved ones out for a ride sitting behind you, if your bike allows for it. But one of the questions that we at Colling Insurance Services Inc. serving the greater Lakewood, CO are often asked is whether motorcycle insurance will cover passengers if they are injured while going out for a ride. Read on to find out the answer. 

Will Motorcycle Insurance Cover Passengers?

Motorcycle insurance will cover any passengers that are riding on a motorcycle with you. If the accident is caused by someone else, their insurance will pay the medical expenses before your insurance kicks in, if you surpass the limits of their policy. If you were at fault for the accident, your insurance will pay. 

Why Having the Right Coverage Limits is Important?

Having the right coverage limits is important whether you are riding alone or with a passenger. Having the right coverage limits helps to ensure that your insurance will cover all of the medical expenses in the event of an accident. Having the right coverages helps to ensure that you are covered if an uninsured or under-insured driver hits you, or helps to ensure your coverages are high enough if you are at fault for the accident and you and your passenger sustain many injuries. 

Having the right motorcycle insurance coverage is extremely important. If you have questions about your coverage or want to learn more about whether it is too low, contact Colling Insurance Services Inc. serving the greater Lakewood, CO today. We can sit down with you and help you determine how much covers you need. 

Are you planning a summer boating adventure that lasts more than a week? Long trips give you time to truly relax and enjoy the solitude of open waters. But they also present unique challenges when deciding what to pack. Space is often limited, so cargo must be planned out thoroughly. Colling Insurance Services Inc. in the Lakewood, CO area wants you to get all the pleasure you can from your marine vacation. Use this guide to help choose what you bring out on the water.

• Don’t overdo it on clothing. Unless you plan on spending a lot of time at ports, you won’t need much more than several sets of comfy swimwear, shorts, and t-shirts. Bring one or two formal outfits for nights out on the mainland.
• Snorkels, fishing poles, and other sports gear should be packed last. That way you won’t have to waste time searching for them under a mound of supplies when it’s time to play.
• Make sure your first aid kit is up-to-date. Include extra supplies of current medications and over-the-counter remedies you may need.
• Keep a copy of your current boat insurance policy on board for emergency reference. Place it in a safe, waterproof container with your satellite radio, flashlight, flares, and other emergency equipment.
• Limit grooming products to the absolute necessities. Multiple people can share products to save space and limit clutter.
• Plan your food stores. If you won’t be making any restocking stops, make sure you have enough to keep everyone happy by writing out your daily meals.

Colling Insurance Services Inc. provides boat insurance policies for residents around the Lakewood, CO area. Contact us to learn how boat insurance can make your summer adventure safe and carefree.

Any business needs to be protected appropriately. As a small business owner, you should know that your business requires the right insurance coverage to safeguard it against financial losses that may happen. Therefore, having an umbrella insurance policy is a necessity for every small business. Umbrella Insurance policy not only covers your assets and business from personal liability but also works as an alternative to an individual’s coverage such as auto insurance.

 It offers the much-needed extra protection to your business in case your standard liability policy limit is exceeded. Colling Insurance Services Inc. provides comprehensive umbrella insurance policy for small businesses in Lakewood, CO. Here are three reasons why you should have comprehensive umbrella insurance for your small business.

Pays for Losses In case of a Lawsuit

When your small business is facing a lawsuit, then an Umbrella insurance policy can help to protect your small business whenever the losses exceed your protection limit under your standard business liability policy. It also covers the bodily injuries caused to any individual on your business premises or as a result of your business operations and processes.

Protects Your Assets

Without umbrella insurance policy, you will be responsible when your normal liability insurance limit is exceeded. You may end up selling your business assets and personal belongings to cover for liability if your business lacks a commercial umbrella policy. As a business owner, that is something you cannot afford to do. Therefore, the only way of safeguarding your business assets is by purchasing a comprehensive commercial umbrella policy that will come into play when your liability limit on the standard business insurance is exceeded.

Covers Your Business Vehicle with Additional Liability

Typically, commercial umbrella insurance will provide financial protection where your general business liability insurance cant. For instance, your standard commercial insurance policy may feature limitations on who can drive your business vehicle and where the car can be driven. If your business vehicle is operated outside the limitations of the policy and is involved in an accident, your provider won’t cover the expenses. This is where your commercial umbrella policy comes in to help you.

Are you a business owner in Lakewood, CO? Contact Colling Insurance Services Inc. for a commercial umbrella policy.