Category: Insurance

You are bringing your boat home after a summer vacation on the waters. You get it on your trailer and you are ready to start towing her home. While transporting the boat home, you keep checking the rear mirror just to ensure your vessel is okay. Unfortunately, you hear a weird noise, and on looking back, you realize that your boat looks crooked. So what are your options? Will your boat insurance policy protect it if you are in transit?

Land transportation is also included in boat insurance, meaning that your vessel will be protected when you are transporting it to any destination. However, it’s important to confirm with the insurer before purchasing the coverage. AFI Insurance is one of the insurance companies you can rely on when you need boat insurance in Denver, CO.

Usually, most boat insurance plans offer a road transit coverage if your craft is less than 30ft. But, your insurer may cover a larger boat as long as the transit is done by a professional transport company using a trailer that is built to transport boats. Note that you must notify your insurer in advance.

You require a boat insurance policy

A boat insurance plan will cover damage to your boat whether you are in or out of the water, and still give you liability protection if you are found responsible for injuries to water skiers, swimmers, or other boaters, or when you damage a dock, another boat or the environment as a result of fuel spillage. Additionally, boat insurance offers a no-fault medical bill payment coverage for injuries that your passengers suffer on your boat after an accident.

You can get a hassle-free boat insurance coverage today in Denver, CO when you contact AFI Insurance. We will make it fast and straightforward, so you can be safe whenever you are transporting or using your boat.

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. 
 

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.  

When you have a toy that has an engine in it, it is always a good idea to have insurance on it. This will help protect you if someone is injured n it and if something happens to it and you need to replace or fix it. The same is true for a jet ski. Since a jet ski is usually used mostly in the summer months, many people wonder if they should actually keep the insurance on it during the time they are not using it. Here at AFI Insurance, serving Denver, CO, we recommend keeping it and below is why

Even though you are not using your jet ski on a regular basis, you should still keep it covered by an insurance policy. This is because you do not know what will happen to it when it is stored away. If a tree falls on it during this time and you do not have coverage, then you will simply have to replace it on your own without the help from your insurance policy. Additionally, you cannot keep an eye on it at all times and if someone were to take it out for a spin and damage it or even injure themselves, you would be help liable, even though you had no idea it was happening. Because of these reasons, it is always a good idea to keep it covered no matter what season it is.

If you have a jet ski and you would like to get an insurance policy on it, be sure to contact us today at AFI Insurance, serving Denver, CO. We can help you find the right policy that will best protect you and your jet ski while also making sure that the policy fits within your budget all year long. 

One of the most fun activities that you can enjoy on a nice sunny day in the Denver, CO area is to go out on a beautiful lake and enjoy a Jetski. While riding a Jetski can be a very exciting experience, they are also important assets that need to have the right type of insurance coverage. There are several benefits that you will receive With Jetski Insurance coverage.

Property Damage Coverage 

 One benefit of having insurance coverage on your JetSki is that you will receive property damage coverage. A recreational vehicle is often a target of that, vandalism, and other types of damage. Since the cost of replacing or repairing these incidences is significant, having a proper insurance policy in place will be beneficial. You should get an insurance policy equal to at least your original purchase price of the JetSki. 

Liability Coverage 

When you ride a jetski, or another type of recreational vehicle, you are always taking on some type of risk that it could be involved in an accident. If you are found to be at fault, you could be held responsible for the medical bills and property damage that resulted from the accident. When you have a proper insurance policy with liability coverage, you will receive liability coverage for this. You can request a predetermined amount of liability coverage for both any property damage that is caused or bodily injury expenses and medical bills that are incurred.

When you were looking for jetski insurance in the Denver, CO area, a great place to start your search would be at AFI Insurance. AFI Insurance is a leading consumer insurance agency that can help you better understand your insurance needs and help you get into a policy that will provide you with the necessary types of protection.

Motorcycles are a popular choice of transportation in Denver, CO. Just like most personal vehicles, the state requires all motorcycles to be insured. While basic liability insurance may help you meet the minimum legal insurance requirement, we at AFI Insurance want you to know the benefit of insuring your motorcycle above and beyond the minimum. 

Liability For Accidents You Cause

Everyone makes mistakes. Accidents can happen to even the most responsible people. In the case of a vehicular accident involving a motorcycle, the resulting cost of bodily injury and property damage can quickly escalate. If you only insure your motorcycle for the minimal limit, you could easily end up paying tens of thousands of dollars out of pocket for the injuries and damages to others in an accident where you’re at fault. 

Coverage For Accidents When You’re The Victim

Many motorists are underinsured or uninsured regardless of what they’re legally supposed to carry. An insurance policy that includes underinsured/uninsured coverage will help pay for your own injuries and damages when the at fault driver cannot. This coverage can extend to events of theft or vandalism to cover the cost of replacement or ensuing legal actions. 

Umbrella Coverage Options

Customers in Denver, CO can extend your policy to cover valuable assets that may not always be covered by the usual insurance options. Examples of umbrella policy options can include the repair or replacement of accessories such as saddlebags or a sidecar. Custom equipment and unique decorative features can also be covered in the event of an accident or vandalism. You may also consider insuring your safety gear such as helmets or riding chaps or jackets.

At AFI Insurance we are dedicated to helping our customers understand the importance of insuring their most valuable possessions. Contact us today to learn more benefits of motorcycle insurance!

If you love feeling the wind blowing through your hair when you’re on your bike, good news: Colorado does not require you to wear a helmet if you are over the age of eighteen, and as long as you are driving with a full license and not a permit.

This being said, do yourself a favor and wear your helmet anyway. Riding without a helmet is one of those things where just because you can do it doesn’t mean you should. At the very least, it looks better to a provider like AFI Insurance when you’re a safe rider. Denver, CO might not require you to wear a helmet, but it’s incredibly dangerous to ride without protection.

Put it this way: How many bike riders do you know who have never been thrown off their bikes? Probably not very many. The danger with riding a bike is that you’re just as likely to get into minor fender benders and smash ups as anyone in a car, but when you crash on a bike, it’s not your bumper that takes the hit, it’s your body.

This is to say that the way to stay safe as a bike is to essentially treat an accident as an inevitability. You’ve seen how some of these people drive, and how little respect many of them have for bikes. No matter how fast your response time is on the bike, you can’t account for everyone else’s bad driving.

An insurance policy with AFI Insurance can help you to cover the damages should you get in an accident, but making sure that you’re protected with the proper gear is your job.

There are different types of ATV insurance, and it’s a good idea to work with an insurance company such as AFI Insurance to find the best policy to meet your needs. Since ATV insurance is not required in Denver, CO you want to make sure you have coverage to protect yourself and your investment in the event of an accident.

Liability coverage covers bodily injury or property damage. Bodily injury liability coverage will help cover costs for those injuries that are suffered by others if you are responsible for the accident. Collision coverage will cover your ATV if it is damaged in an accident, so you can repair it or replace it. Comprehensive coverage will cover your ATV if it is damaged not in an accident, but in an act of theft of vandalism. Medical payments will cover you if you are injured in an accident.

You will want to choose coverage options based on your needs. If you have adequate medical coverage you may not need medical payment coverage. It’s good to have collision coverage since you may be storing your ATV more often than you are using it and it helps you recoup any costs should you ATV be damaged while it’s being stored. Your homeowner’s insurance policy may not cover things like damage from trees or rocks, so it’s important to check your policy so you have adequate coverage. Repairing your ATV can be expensive and you may want to have coverage so you can enjoy your ATV for years to come.

ATVs can be insured with other vehicles like golf carts, dune buggies, or snowmobiles, and it may be possible to get a discount if insuring multiple vehicles at once.

Contact AFI Insurance serving Denver, CO to find the coverage you need for your ATV.

Whether it’s sunny or not, you can always find a little powder for your snowmobile either in or around Denver, CO. But the more you use it, the more likely it is that something will happen to it, and chances are, you wouldn’t want to spend a lot of money to repair or replace your machine. So before you take your snowmobile out for another joy ride, keep the following tips in mind to make sure you can keep it safe from harm. 

Do Your Research

The weather in Colorado can change in a heartbeat, so keep your snowmobile (and yourself) safe by looking into the weather before you go. A frozen trail won’t be very fun, and it may cause you to fly off the path faster than you think. White-outs and blizzards will also make it impossible to stay the course. You may want to consider taking a safety course too when it comes to your snowmobile. Everyone thinks they’re a safe driver until they end up in a situation that may have been prevented if they had a little extra forethought. A course will help you learn how to inspect your snowmobile, wear the right gear, and avoid the wrong places. 

Contact AFI Insurance 

While it’s true that a snowmobile may not be as important as your car or your home, that doesn’t mean that it’s not important to you. For all the owners of Denver, CO who don’t want to lose their investment this winter, AFI can help. We offer plenty of options to keep everything that you love safe from harm (or at least safe from out-of-pocket repairs.) Give AFI Insurance a call today to learn more about our options so that you can get the peace of mind you crave! 

Jet skis typically fall under PWI, or Personal Watercraft Insurance, policies. While this coverage is optional, it is not recommended to go without it! AFI Insurance offers a full-line of PWI and can work with you to find the best coverage for your situation. We are proud to serve the PWI needs of the greater Denver, CO area and we have the experience in PWI that makes our agency a valuable asset in securing your jet ski insurance. 

There are several aspects to comprehensive PWI, such as Liability, Collision, Medical Payments, On-Water Towing and Repair, Total Loss Replacement, and Comprehensive Coverage. If you are considering purchasing a jet ski or other personal watercraft, AFI is here to ensure that you have the coverage you need. Typical policies will not cover any mishaps that occur after dark or if your watercraft has been modified in any way to make it faster. You will also need a valid driver’s license in order to procure PWI. 

Spending the day out on the water on a jet ski is a lot of fun and knowing that you have adequate coverage in the event of a breakdown or an accident can give you the peace of mind that comes from knowing that you are protected in many unforeseen situations. Our agents can review your needs with you and work with you to determine which types of policy coverages are necessary.

Please give us a call today at (866) 433-2888 to schedule an appointment to discuss your PWI needs. AFI Insurance is proud to serve the Denver, CO area and we would welcome the chance to work with you too! Optional jet ski insurance is smart coverage to have to keep you protected out on the water.