Rv Insurance When the Vehicle’s Your Primary Residence

If you’re living in your recreational vehicle as your primary residences, there are additional risks and concerns that come with living on the road, which affects your coverage. There are additional coverage requirements and allowances, designed to financially protect you and make your life easier if something goes bad. If you’re considered living in your RV while your insurance provider doesn’t know that it’s your permanent residence, you may be denied if you make a claim. Therefore, it’s very important to be up-front and discuss your intentions with your provider. Find out answers to your questions and learn more about RV insurance by contacting AFI Insurance, a company that serves the Denver, CO area.

What You Need to Know About Full-time Rv Insurance

Full-time personal liability is very important if you’re living in your RV. This coverage pays for property damage and bodily injury to other persons when you’re at fault for an accident. You likely already have this coverage on your regular policy, but you need full-time liability in order to avoid rejected claims.

Medical payments to others coverage pay for medical costs caused by people who are injured while in your RV or the property nearby. For example, this coverage protects you if a friend gets hurt while spending some time with you inside or just outside your RV.

Personal belongings coverage reimburses you for stolen or damaged items. If you’re living in your RV, there are likely some important items inside, so this coverage is quite valuable.

Emergency expense allowance is helpful, as it pays for food and housing if you’re dealing with a covered claim that’s more than a predetermined distance from your residence.

Storage shed contents coverage pays for the valuables located in a storage unit that’s leased, owned or, rented by the insurer during the time of the loss.

There’s a lot more information that is important when it comes to full-time RV insurance. Get in touch with AFI Insurance, assisting people in the Denver, CO area, to learn more about how you can protect yourself while your RV is your permanent residence.

Do You Need Mexican Insurance for a Trip to Mexico Driving a Rental Car?

If you’re planning a trip to Mexico, you may think of renting a car in Denver, CO and driving across the border. Your U.S. auto insurance company may have written policy information indicating you are covered for any incidents occurring in Mexico.

This is not true. The only insurance coverage acceptable in Mexico is Mexican insurance. Some car rental companies offer Mexican insurance and others don’t. How far do you intend to drive into Mexico? You will need a temporary import permit for the rental car if you plan to drive farther than the Border Zone. The Border Zone extends about 20 miles into Mexico. The import permit will be issued for the same amount of time as your tourist permit. You will also find slightly different rules for the states of Baja California and Sonora.

You can purchase temporary Mexican auto insurance for your rental car. You will need to take proof of insurance with you when renting the car. Keep the insurance policy with your other required documents at all times while driving in Mexico. Types of insurance coverage that can be included in a Mexican rental car insurance policy include third-party liability, excess liability, medical expenses, and legal aid and bond coverage. You may also want coverage in case of vehicle theft and physical damage to the car.

Before renting a car for a trip to Mexico, check with our AFI Insurance agents serving Denver, CO. They understand Mexican insurance and legal requirements. They will be glad to explain the differences in U.S. and Mexican insurance. They will help you to meet your insurance needs when driving a rental car across the border. 
 

What Kind of Commercial Insurance Policy do I Need

If you are in Denver, CO or the surrounding areas and own a business, you are putting the longevity of your company at risk if you are not covered by a commercial insurance policy. A commercial insurance policy will limit your liability and risks for potential lawsuits, injuries, advertisement claims and much more. 

Workers compensation insurance is mandatory in Colorado for all employers that have a minimum of one employee, whether the employee(s) works part or full-time. A commercial insurance policy- while not mandatory by law- is highly recommended to protect your business. AFI Insurance agents can help answer questions you may have about purchasing a commercial policy for your business. 

What Should my Commercial Policy Cover?

A considerable risk is involved in owning a business. The following should be covered under an ideal commercial insurance policy:

  • Legal fees and medical expenses from a lawsuit
  • Injuries that occurred at your place of business, or as a result of your business, and injury claims
  • Property damage
  • Legal settlements and judgments
  • Legal fees associated with advertising claims
  • Legal fees associated with company investigations
  • Products that have caused damage or injury to a customer or employee

Those basic factors are usually sufficient for a small business. However, there are limitations to policy coverage amounts. If your company is large with a high number of employees or revenue, additional coverage may be appropriate to extend beyond the financial caps of your commercial policy. This is also true if you want to add other coverage, like property damage as the result of a natural disaster. 

AFI Insurance agents in Denver, CO are experienced, professional and can define the right commercial insurance policy to fit your business needs.  Contact an agent today to learn more.  

Why is RTV Insurance Important?

RTV (return to value) insurance is a form of gap insurance for vehicles that are owned for more than 3 months but are not more than 7 years old. This coverage applies to all modes of car purchase – a bank loan, cash, and contract hire leasing agreements. If the insurance company declares your vehicle a total loss because it got stolen or damaged beyond repair, the RTV insurance will provide coverage against the depreciating value of the vehicle. If you’re living in Denver, CO or surrounding areas, you can get this coverage from insurers like AFI Insurance.
What’s the importance of RTV insurance?
This insurance plan offers coverage against any financial loss if your vehicle is stolen and cannot be recovered or when the vehicle is unsafe to repair, meaning that the repair costs are higher than the vehicle’s value.
Below are some benefits of RTV insurance:
  • Refunds depreciation
  • All benefits are paid to the customer directly
  • • The cover is provided for 4 years
  • Once a vehicle is on coverage, there are no mileage limits
  • It protects the customer’s investment
  • It replaces the auto with a similar vehicle
  • Once the vehicle is delivered, one can buy the insurance coverage for up to seven years
  • The coverage is backed by FCA’s protection norms
  • The coverage is designed for vehicles that were bought privately or from any garage that doesn’t have VAT registration.
Reason RTV insurance is valuable
If you have this coverage, you can be sure that you will be protected in case your car is lost or destroyed beyond repair. Most stolen cars are never recovered despite the best efforts, so the insurance providers often declare them a total loss. This is why you need RTV insurance.
You can now get your RTV insurance from AFI Insurance that serves Denver, CO and surrounding areas. Contact us today for a quote.

Tips for Safely Riding Your Motorcycle During Any Season

You have finally purchased your dream motorcycle. You’ve also done the responsible thing and purchased the needed insurance coverage from AFI Insurance in Denver, CO. You’re ready to hit the road.

But, hold on!

Before you head out and enjoy the open road, you need to use a few tips to help keep you safe while riding your new motorcycle.

Wear Protective Gear – At All Times!

While a helmet is the most important protective gear you can ride, don’t neglect the rest of your body. The fact is, a motorcycle accident can cause severe injuries to your legs, arms, torso and more. Be sure to wear quality boots, pants, and even a jacket to protect your skin. Even in summer, it is best to ensure all your skin is covered with some type of protective layer.

Be Aware of Other Vehicles

While it would be nice if you could rely on other drivers to watch for you, this isn’t how things work. You have to remain aware of your surroundings at all times. Motorcycles can often get in another driver’s blind spots, creating a dangerous situation. Make sure this doesn’t happen by remaining alert and learning where some of the most common blind spots are.

Drive Smart

Riding a motorcycle is fun and it can make you feel great. However, this doesn’t mean that you should drive without caution. You have to obey street signs and speed limits, just like everyone else. Make sure you always drive smart while on the road.

If you still need insurance for your new motorcycle, or an old one, contact the staff at AFI Insurance, serving people throughout Denver, CO You will find the coverage option you need here.

Reasons to Get Snowmobile Insurance

There’s no question that snowmobiles are popular in Denver, CO; however, if you are going to use one of these devices, you need to make sure you are covered for any issue that may arise.

Driving – any type of vehicle or recreational craft – requires you to have the proper insurance coverage. Without this, you are putting yourself and others at risk. Some of the reasons you should purchase a snowmobile insurance policy from AFI Insurance can be found here.

To Cover an Injury to a Driver or Passenger

What happens if you, or someone who is riding with you, suffers an injury while on your snowmobile? If you own the vehicle and don’t have insurance coverage, you will have to pay for all related medical costs.

With insurance in place, you don’t have to worry about it. The costs will be covered, and you will be protected financially.

If there is a Collision with Another Snowmobile

Another situation where you need a snowmobile insurance policy is if you hit or have an accident with another snowmobile. Regardless of if it is parked or running, you may be liable for the damages. If you have insurance coverage, all the damages will be taken care of. If you don’t then you will have to pay out of your own pocket.

If an Injury to a Pedestrian Occurs

Modern snowmobiles can go pretty fast. As a result, you need to make sure that you are always aware of your surroundings. If you happen to hit a pedestrian, you can cause serious injuries and the individual may need extensive medical care. Your snowmobile insurance policy will cover these costs.

If you have a snowmobile in Denver, CO and need to purchase a policy, contact AFI Insurance today.

Is Jetski Insurance the Same as Boat Insurance?

Finding the right Jetski insurance can be difficult especially if you are not all that sure about what type of insurance you need for your Jetski. That being said, jet ski insurance is distinct and individual from a lot of other insurance types. Though there are not individual policies that only cover Jetskis, there are certain types of insurance that are going to cover this type of recreational vehicle better than others. For those in the Denver, CO area, the agents with AFI Insurance can help you find the policy that works best for you.

There are tons of different types of insurance policies that might cover a Jetski, it is best to find the policy that is most likely going to cover your Jetski and recreational vehicle insurance is a safe bet. This type of policy is going to cover a wide range of vehicles and is going to help you to cover all your recreational vehicles including things like Jetskis and 4 wheelers and ATVs so that you can be sure you are covered. This type of policy can often be bundled into your existing policies to help make it easier to pay each month.

This type of policy is completely optional and in most case,s you are not going to be required to hold any sort of policy on your recreational vehicles even if you have a loan on them simply because they are not going to be huge loans. If you do have this type of recreational vehicle you may want to look into a policy to protect them. For those in the Denver, CO area, the agents with AFI Insurance can help you find the policy that is going to work for you.

Does my Insurance Cover Customization Repairs?

The agents of AFI Insurance have many years of experience when it comes to automotive and motorcycle insurance. Motorcycle owners living in Denver, CO often have questions about how to insure their bikes if they have a custom paint job or a bike that has been custom built. Having the proper insurance is always a top priority.

The Cost of Customizing

A customized paint job for a motorcycle can cause several hundred dollars. In some cases, special paints are used that are extremely expensive. If the bike is damaged or involved in an accident, your insurance company may not pay the entire amount to restore the paint job to its prior state. In most cases, insurance policies only cover repairs to the bike itself and a conventional paint job. Unless you have purchased additional coverage, your insurance may refuse to cover the cost of the more expensive paint.

Meeting Your Deductible

Most motorcycle and auto insurance policies have a deductible that must be met before the insurance policy will begin to cover damages. In the case of a customized bike, the money used to pay the deductible will go towards the general repairs first. Whether the owner of the bike receives the check or it goes directly to the shop making the repairs, any cost over and above what it takes to repair the bike and provide a general paint job will fall on the owner.

In Denver, CO, residents are encouraged to call the agents of AFI Insurance if they have questions concerning what is covered by their motorcycle insurance policy. Individuals who have customized bikes can call the office and find the answers to all of their insurance questions.

Three important things you need your motorcycle insurance to cover

If you’re a biker on the market for the right motorcycle insurance policy, you need to be aware of what your insurance policy covers and what it doesn’t.

There are some potential costs that may come up while you’re riding if you experience accident damages. The following are three things that your insurance may cover or may be designed to cover depending on your policy details:

Your liabilities out on the road

The number one thing your insurance policy must cover that’s required by low is your liabilities. Your insurance must cover any damages you cause while biking. This should include both property damage as well as physical injury.

Any basic motorcycle insurance policy will provide liability coverage. However, the amount of coverage that’s required by law can vary by state.

Injuries to guest passengers

Motorcycle policies will generally offer coverage for injuries caused to a guest passenger. In the state of Utah, coverage for guest passengers on a motorcycle is required to be a part of the rider’s motorcycle insurance coverage.

Damage to your bike

If you choose collision coverage as part of your motorcycle insurance policy, your insurance policy will offer coverage for any damage your bike experiences when you become involved in an accident.

Collision coverage ensures that you will always be compensated should your bike become damaged out on the roads. However, collision coverage is generally not required by law. You can decide whether you want to add collision coverage to your policy. Adding collision coverage is likely to increase your monthly premium.

If you’d like to learn more about motorcycle insurance policies that are available to those residing in the Denver, CO area, you can contact AFI Insurance with your questions and concerns.

Do I need to cover my boat year round?

You may not even think of your boat during the times you are unable to use it. That may only be a few months out of the year, by the time you have to take account of weather conditions and when you can take off from work. So you are probably asking yourself if it is worth ensuring your boat during all those times when you are not even getting to enjoy it.

The friendly agents at AFI Insurance help people in Denver, CO find insurance policies that best meet their needs, and you may already have a homeowner’s policy which covers your boat if something were to happen to it while it is stored in your garage during the winter. Is year-round boat insurance an unnecessary expense?

  1. If you still have a loan on your boat, you are probably required under the terms of the loan to have full coverage to cover anything that happens to the boat, until the loan is paid off. Failure to do so could cause the lender to force an expensive policy onto your loan.
  2. If you keep your boat at a marina or boathouse, your insurance policy will cover any damages that occur because of a fire, vandalism or theft. These kinds of events are unpredictable and can happen at any time.
  3. Even if your homeowner’s policy covers basic loss while your boat is stored at home, a real boat insurance policy will also cover damages related to collisions with another boat, damages to someone’s property, and bodily injury in case of an accident.
  4. Keeping your insurance policy year after year can mean that you start receiving loyalty discounts, or even save money on your deductible.

If you are in Denver, CO and want to find out how to save money while protecting your boat, call AFI Insurance today.