Auto Insurance for Your Colorado Vehicle

The state of Colorado requires all registered vehicles and drivers to have auto insurance. Out of state insurance will not be enough. Typical insurance coverage requires bodily injury liability, property damage liability, and uninsured or underinsured motorist coverage. Some additional features that need to be considered include medical payment coverage, collision coverage, and comprehensive coverage. It is important to understand what these different components of the auto policy actually mean.

Bodily injury liability provides coverage for situations in which an accident caused by you causes someone else to be injured. Property damage provides coverage to any damage done to the property of someone else. The underinsured or uninsured, as the name suggests, means coverage against an accident with someone who does not have enough or any insurance. Typically, the amount of coverage of this matches the coverage for bodily injury coverage. Collision coverage is used when your vehicle is in an accident that is your fault. That collision doesn’t necessarily have to be with another car. It could be a collision with anything. Comprehensive coverage is when the vehicle is damaged in an incident that was non-collision related. This could be a fallen tree or hail. Keep in mind that most auto insurance will have a deductible, that is the amount you have will have to pay before the policy kicks in.

While the state enforces certain minimum requirements, it is recommended that vehicle owners consult an experienced insurance provider that can guide you to best-suited policy. The key to a good insurance policy is to find an insurance agency that cares about their customer and makes an effort to find a personalized solution for the client. AmPro Insurance, LLC in Colorado Spring, CO has your vehicle covered. We are a well-reputed and certified insurance agency serving Colorado Spring, CO, and the surrounding areas. Get in touch with Ampro Insurance, LCC now.

Does Commercial Insurance Cover A Small Food Stand?

If you plan to own a business, you probably think you need some form of commercial insurance. This may not be the case in every situation because there are specialty insurance options for specific business types that can cover the business more effectively.

Food Truck Insurance

There is a type of business insurance that is specifically designed to provide coverage for food trucks. It covers specific assets and liability situations unique to food trucks. If you plan to own a food truck, begin exploring your insurance options with the help of a skilled insurance agent who can guide you through the process. They can identify client needs and present you with insurance policies that can cover your business adequately to prevent losses and other issues. 

Work With A Top Agency

The best way to discover the right policy for a food truck or any other commercial endeavor is to work with an insurance agency that has top agents with plenty of knowledge and experience helping select insurance for clients. A top company to work with is AmPro Insurance LLC, serving the residents of Colorado Springs, CO. We can work one on one with clients to outline each specific need and then work through the process of a policy purchase. We can also help provide support if there is a claim made in the future. 

If you are considering purchasing a food truck and want to learn more about your insurance requirements, call or stop by AmPro Insurance LLC and get answers to questions from our leading insurance team. Anyone in the Colorado Springs, CO area can count on us to help make the process easier. 

When do I need home insurance in Colorado Springs

If you are living in the Colorado Springs, CO area, buying a home could be a smart decision to make. When you choose to purchase a home, you will have a stable and consistent place to live and you will also benefit from price appreciation and inflating hedging. However, to make your home an excellent long-term decision, you need to have a good home insurance policy and plan. Those that do own property here will need to have coverage for several different reasons. 

Required by Lender

One reason why you need to have home insurance for your Colorado Spring, CO property is that your lender requires it. Any mortgage lender is going to make sure that you have home insurance in place when the loan closes. This will also ensure that the lender’s collateral is protected. Due to this protection, most lenders are also going to make your escrow for these payments monthly. 

Gives Liability and Property Protection

Even if you do not have a mortgage, you should still get home insurance. When you do have this type of insurance, you will receive property protection and liability coverage. These are very valuable types of coverage that will protect you in many different situations. This is a fantastic investment if an accident occurs in your home or if it is damaged in any way. 

Choosing the right home insurance policy is a big decision. The team at AmPro Insurance LLC can help you to find a policy that is right for your situation. When you meet with the team at AmPro Insurance LLC, you will learn a lot more about all of the insurance options that you have. This will allow you to find a good policy that covers you and your home. 

Should You Get Life Insurance for Your Child?

As a parent, you are always concerned about your kids. While getting life insurance in Colorado Springs, CO may not be on the top of your list for your children, it comes with a lot of benefits. An agent at AmPro Insurance LLC can help you get started with the right policy.

It can be harder to get life insurance as an adult in Colorado Spring, CO, which is why it can make sense to get life insurance for your child. A whole life insurance policy means that even if your child develops a medical condition, later on, he or she won’t lose coverage. It’s a great way to ensure a lifetime of financial security.

Life insurance premiums are based on your child’s health and age when you apply. This means that if you get life insurance when your child is healthy and young, you can lock in affordable rates. Even as an adult, your child will be paying the same amount.

Whole life insurance also builds cash value, which is money set aside with each payment made. The longer you have the policy, the more value the policy accumulates. It can be thought of as a small nest egg for the future. When your child turns 18, coverage can double at no additional cost. This means that he or she will have better protection and still be paying the same premiums as in childhood. When your child turns 21, there can be the option to keep the policy or get the available cash value in return. If you encounter any financial difficulties while your child is growing up, you can also borrow against the policy.

Life can be unpredictable. A life insurance policy can provide greater peace of mind and financial protection should the unthinkable happen.

Contact AmPro Insurance LLC to get a quote for life insurance. 

What I Need to Know About Auto Insurance in Colorado

For many people in the Colorado Spring, CO area, driving a car on a daily basis is a practical necessity. Without one, it will be impossible to get to work, school, or to run errands. When you do drive a car in Colorado Springs, it is important that you know your auto insurance requirements. There are several things that you need to know about auto insurance in the state of Colorado.

Liability Requirements

The first thing to think about when you are shopping for an auto insurance policy in Colorado is your liability requirements. In this state, you are required at all times to carry a minimum level of liability insurance whenever you are driving. In this state, you will need to have bodily injury coverage of at least $50,000 per incident and $25,000 per injured person. Additionally, you will need to have $15,000 in property damage liability coverage. 

Other Coverage Needs

While a Colorado Spring, CO driver may not be legally obligated to have it, getting collision and comprehensive coverage is also usually a good idea. This type of coverage will provide you with protection for many different situations that could result in a loss, including theft or accident damage. While not required by law, your auto lender or lessor will normally require you to have it as long as your obligation is outstanding. 

As you are shopping for auto insurance in Colorado, a great place to start looking is through AmPro Insurance LLC. When you contact the team at AmPro Insurance LLC, you will learn a lot more about all of the different auto insurance options that you have. This will allow you to choose a car insurance policy that properly matches your needs and various requirements. 

Look for these 3 features when choosing your commercial insurance policy

Choosing the right commercial insurance policy is an important part of protecting your business. Whether you are just starting out, or are an established business that wants to make sure that your insurance is keeping pace with your company’s growth, the team at AmPro Insurance LLC is here to help. We are proud to serve the insurance needs of businesses located in the greater Colorado Springs, CO area, and would welcome the opportunity to work with you too. 

Check for these 3 features when choosing your commercial policy

• Fleet coverage – if your company relies on commercial vehicles to get the job done, make sure that they are protected from loss, theft, or damage, and that you have coverage in case they become inoperable. Make sure that your business keeps rolling even if you can’t get out on the road.

• Business interruption protection – if there is a covered event that prevents you from conducting business, you can still continue to operate until your production is back up online when you have business interruption protection. Don’t let an otherwise covered event put you under!

• Comprehensive liability coverage – don’t let a slip and fall suit or other frivolous litigation affect your bottom line. When you have adequate liability insurance you can be protected from such potentially devastating events. If your firm operates in a highly litigious industry, it is worth looking into an umbrella policy to boost your overall coverage level. 

Choosing an appropriate commercial insurance policy can help to prevent a lot of headaches down the road. If you are a business owner in the greater Colorado Springs, CO area, contact the team at AmPro Insurance LLC today and learn more about your commercial policy options. 

Protect your family home with a comprehensive homeowner’s policy

Your family home is a safe and comfortable place where you can relax and disconnect from a hectic world. Without a comprehensive homeowner’s insurance, you can be leaving your family open to having to relocate away from your home because of losses that aren’t covered by a basic, primary policy. There are a lot of benefits to a comprehensive policy and the team at AmPro Insurance LLC is here to help you review your options and determine which policy is right for your Colorado Springs, CO area family home.

Benefits of a comprehensive homeowner’s policy

There are many benefits to a comprehensive home insurance policy, with coverage for alternative housing if your home is uninhabitable due to a covered loss. There are many situations where you will have to leave your home while it is being repaired. When you have a comprehensive policy there are optional features that will cover such expenses. Rather than have to impose on friends or family, for a place to temporarily relocate, your insurance will have it covered. Imagine the stress of a major catastrophe happening to your beloved home and the amount of stress that it will cause. When you have a comprehensive policy, you can lessen the amount of stress and disruption that your family experiences.

Working with a local agent can be a huge benefit if you ever do experience a major loss. They will be there for you throughout the entire process and help you navigate the sometimes confusing process of filing a loss claim. 

Let’s review your home insurance policy options today! Call or stop by AmPro Insurance LLC, and we can take a look at the homeowner’s policy options that are available to protect your Colorado Springs, CO family home.