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Pikes Peak Insurance Agency

7495 McLaughlin Rd, Ste. 221,
Falcon, CO 80831

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Why You Need Boat Insurance

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If you are a boat owner, you need to have boat insurance to protect yourself and your watercraft. It isn’t required by law in Colorado to have boat insurance, but it’s smart to always have it in place. If you don’t have boat insurance for protection, you could face financial ruin in the event of a boat accident. If you’re in need of boat insurance, call us at Pikes Peak Insurance Agency in Falcon, CO.

Boating Accidents

You might not think too much about boating accidents, but they can and do happen. It’s important to be prepared in case such an accident happens to you. There are different forms of boat coverage that pay out depending on who caused the accident. One of the most important types of coverage to get is liability. If you were to cause a boating accident, you would be responsible for paying for the repairs the other party needs as well as their medical bills from the resulting injuries. You need to have both bodily injury liability coverage and property damage liability coverage. These are the bare minimum that every boater should have. Without them, they would be stuck paying for all of those bills out of pocket. 

Other Coverage Types

You can also get comprehensive coverage that covers your boat against damage and other risks that exist when the boat isn’t in the water. There is also collision coverage. This pays for the damage to your own boat that happens in an accident. In addition, you can get coverage for your personal belongings and equipment that are in the boat and get ruined. It’s a good idea to have all of these coverage types so that you have peace of mind and protection against financial risks. 

Get Boat Insurance

To get your boat policy, call us at Pikes Peak Insurance Agency in Falcon, CO.

What Are The Benefits of Having Umbrella Insurance

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Umbrella insurance is not a mandatory type of insurance, and most people skip it. However, it is also like a safety net that offers protection beyond the limits of your standard insurance policies. Pikes Peak Insurance Agency in Falcon, CO  is here to assist. The following is a list of the benefits of umbrella insurance that make it a valuable and beneficial investment. 

Benefits of Umbrella Insurance

The benefits are the following:

  • Expanded liability coverage. Umbrella insurance offers an extra layer of liability coverage that goes beyond the limits of your auto, home, or other primary insurance policies. It can be especially beneficial if you face a major accident and the costs of it go beyond the standard coverage you carry.
  • Wide coverage. Umbrella insurance covers many different things. Libel, slander, property damage, personal injury claims, and false arrest  – all are typically covered by umbrella plans. With such extensive coverage, you will have the peace of mind you need. 
  • Protection for high-risk activities. Umbrella insurance can provide additional security if you partake in activities with high liability risks, such as organizing events, owning a swimming pool, or playing leisure sports.
  • Legal fees coverage and other costs. Umbrella insurance can also help pay for court costs, attorney fees, and other lawsuit-related expenditures.
  • Worldwide coverage. Umbrella insurance also provides global coverage, which is beneficial for those who travel overseas a lot or own a property in a different country. 

Schedule A Consultation Today!

If you live in Falcon, CO or any other surrounding area, and you are thinking of purchasing umbrella insurance, Pikes Peak Insurance Agency is here to help you. We specialize in different types of insurance, including umbrella insurance as well. Do not hesitate to reach out to us if you have any questions or need help finding the perfect insurance plan for you. 

A History of Floods in the United States

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The United States is a vast country with a diverse geography. Natural disasters, unfortunately, are common and affect many communities each year. Among the most serious natural disasters are floods. As a result, it’s crucial for families, businesses, and other property owners to take out flood insurance. Contact the Pikes Peak Insurance Agency, serving the Falcon, CO metroplex, to learn more about flood insurance. For now, let’s take a look at the history of floods in the United States.

A History of Floods

The Johnstown Flood of 1889

One of the deadliest floods in American history, the Johnstown Flood claimed 2,209 lives in Pennsylvania. The flood occurred after days of heavy rain overpowered the South Fork Dam, located about 14 miles upstream of Johnstown. When the dam burst, a massive wall of water barreled into Johnstown at the rate of about 40 miles per hour.

The Great Mississippi Flood of 1927

One of the most widespread floods in the history of the United States, the Great Mississippi Flood of 1927 caused over a billion dollars in damage and broke levees in over a hundred places. Hundreds of thousands of people lost their homes, and several hundred died. This flood built slowly over the course of several months, causing the Mississippi River to swell beyond its banks.

Flooding Caused by Hurricane Katrina

Hurricanes often cause flooding because they can dump massive amounts of water on land and can also cause storm surges that push ocean water inland. Hurricane Katrina (2005) ranks among the deadliest and most damaging natural disasters in history. Over 75 percent of New Orleans was flooded, and many outlying areas were also swamped. Ultimately, over a thousand people were killed by the hurricane, and roughly $100 billion in damages were incurred, although not all of it was due to flooding.

Reach Out To Us

Floods can strike anywhere, including in Colorado. Get in touch with the Pikes Peak Insurance Agency in Falcon, CO to learn more about flood insurance.

The difference between a condo unit policy and a master policy

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A condo unit policy and a master policy from Pikes Peak Insurance Agency both cover different aspects of a condominium association here in the Falcon, CO area, but the differences between them can be confusing. 

A condo unit policy is specific to each individual unit owner and covers the interior of their unit in case of damage or destruction caused by an event such as fire, vandalism, theft, or another peril. It also provides coverage for any personal property contained within the unit as well as personal liability protection to the individual unit owner.

In contrast, a master policy is designed to cover the common areas and exterior of all units owned by a condominium association. This includes anything that is shared by multiple owners such as hallways, lobbies, pool areas, elevators, etc., as well as any general liability coverage for accidents that occur on shared property. 

It’s important to understand the differences between a condo unit policy and a master policy when selecting insurance for your condominium association. A master policy covers what all of the individual owners together share in terms of common areas that may not be covered under individual policies. However, it’s important to remember that neither type of insurance replaces one another; each owner needs to have their own condo unit policy and the condominium association should maintain its own master policy for added protection.

Reach Out To Us

For more information, give us at Pikes Peak Insurance Agency a call today. We are proud to serve the Falcon, CO area and would be happy to help you find a condo policy that meets your specific needs as well as your budget. So don’t wait! Call us today!

Types of Life Insurance Policies

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Life insurance policies are created specifically to provide financial support to the beneficiaries of a policyholder in the event of their death. There is an array of different types of life insurance policies you can choose from to suit the specific needs and goals that you have.

The agents at Pikes Peak Insurance Agency serving the Falcon, CO area want you to know about the most common types of life insurance policies you can pick from, and a detailed list has been provided for you below.

Common Types of Life Insurance Policies

Term Life Insurance:

This type of policy provides coverage for a specific term, usually ranging from 1 to 30 years. If the policyholder outlives the term, the coverage ends, or another policy must be created with a new term.

Whole Life Insurance:

This type of policy offers coverage for the entire lifespan of the policyholder. This is the most popular type of life insurance policy since you can borrow money against the cash value of your policy, which can assist you in paying off certain bills, such as your mortgage or vehicle before you pass away. This leaves your family with less stress and more time to grieve and heal after your death without having to worry about paying major bills.

Universal Life Insurance:

This type of policy offers the flexibility to adjust the premium payments and death benefits over time. This means you can increase or decrease the coverage amount and premium payments to coincide with your and your family’s changing needs.

Contact Us Today

To create the best life insurance policy for you and your family, contact the life insurance agents at Pikes Peak Insurance Agency serving the Falcon, CO area today!

Why is auto insurance necessary in Falcon?

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For those that are living in the Falcon, CO area, owning a car is a great idea. When you are a vehicle owner here, you will have a much easier time getting around the community and surrounding areas. When choosing a new car to buy or lease, you also need to consider your insurance needs. There are various reasons why having an auto insurance plan is a necessity for car owners here. 

Coverage is a Requirement

A reason that many people in this part of Colorado will want to have an auto plan is that it is a requirement. If you want to drive any type of vehicle on a public road in this state, you will be required by law to carry at least liability insurance. This can ensure that you are able to cover any damages that may be caused in an accident and not having coverage can come with various consequences. 

Financial Support

It is also a good idea to have an auto insurance plan because it provides financial support and protection. When you are insured with an auto policy, it will give you coverage to replace or repair your car if you incur certain forms of loss. Further, it will ensure you have resources if you need to pay for damages that are caused in an accident. 

Give Us A Call

Having an auto insurance plan is always a good idea if you are a car owner or lessor in the Falcon, CO area. When you are looking to buy a car here, it is imperative that you speak with our team at Pikes Peak Insurance Agency. As you are looking for coverage, our professionals at Pikes Peak Insurance Agency can answer your questions and use their experience and knowledge to help you build a plan that is ideal for your situation. 

The Ins and Outs of RV Insurance: What You Need to Know

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Are you planning to purchase a recreational vehicle (RV) and hit the open road? Are you already an RV owner in the Falcon, CO area looking to renew your insurance coverage? Before taking any trips in your RV, it’s essential to understand the ins and outs of RV insurance.

Different Types of RV Insurance Coverage Available

RV insurance is similar to car insurance; however, there are several specialized coverage options that you should consider when evaluating your RV insurance needs.

Liability

Liability insurance is a must for any RV owner. It covers damages you may be liable for caused by your RV, such as medical expenses and property damage from an accident.

Collision and Comprehensive Coverage

These two types of coverage provide protection if your vehicle is damaged in an accident or by a natural disaster, such as flooding. Collision covers damage to your RV caused by contact with another vehicle or object, while comprehensive covers damage caused by weather, theft, and other conditions not related to a collision.

Uninsured/Underinsured Motorists Coverage

If you’re involved in an accident with a driver who doesn’t have insurance or enough coverage to pay for damages, this type of coverage can help protect you from expensive out-of-pocket costs.

Determining Your Needs

Before shopping for RV insurance, it’s crucial to determine what coverage levels you need. Consider factors such as the age, value, and type of your RV, how often you plan to use it, and how much risk you’re willing to assume. Our experienced agents at Pikes Peak Insurance Agency are here to help ensure you get the right coverage for your needs.

No matter what type of RV insurance coverage you’re looking for, Pikes Peak Insurance Agency has the knowledge and experience to provide you with personalized service in the Falcon, CO area. Our team is dedicated to understanding our clients’ individual needs and providing them with tailored RV insurance solutions that meet their needs and budget. Contact us today to get started!

Motorcycle Insurance for Bikers in Colorado

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Motorcycle insurance is a must for any rider in Colorado. The countryside offers beautiful scenery and many opportunities to enjoy the open road on two wheels. However, biking on Colorado highways and scenic roads has its share of risks. Hazardous road conditions for bikers can include more than motorcycle accidents.

Why Bikers Need Motorcycle Insurance 

Today’s long-distance bikers are up against severe weather conditions, wildlife crossings, and many other dangers that motorcycle riders face every day. It is important to have the right motorcycle insurance coverage to protect you and your bike in the event of an unexpected mishap that leads to damage, injury, or financial loss.

Colorado law requires all motorcyclists to carry liability insurance in order to ride legally on public roads.

Colorado Motorcycle Insurance: Liability vs. Comp and Collision

Liability motorcycle insurance coverage protects you financially if you’re found at fault for an accident that causes injury or property damage. Colorado-area bikers should know that liability insurance only goes so far. This means it won’t pay for your own injuries or damage to your bike if you’re in a motorcycle accident.

Talk to an experienced motorcycle insurance agent at Pikes Peak Insurance in Falcon, CO. Our licensed insurance agents can talk to you about why riders should also carry comprehensive and collision coverage in addition to liability. Your trusted agent can explain how this optional coverage will help you financially if you’re involved in an accident — no matter who is at fault.

Reach Out To Us

No one wants to think about being in a motorcycle accident. But if it happens, you’ll be glad you have the right insurance coverage in place. Don’t wait until it’s too late – get protected today with a free motorcycle insurance quote from Pikes Peak Insurance Agency in Falcon, CO!

Top 10 Reasons to Buy An Umbrella Insurance Policy

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Considering buying an umbrella insurance policy in Falcon, CO? Experienced insurance agents at Pikes Peak Insurance Agency can help.

Below are the top ten reasons you need an umbrella insurance policy to protect your home and family. 

Top 10 Reasons to Buy an Umbrella Insurance Policy

#1. – Peace of Mind

To protect your home and family in the event of a lawsuit.

#2. – Extended Coverage

To provide additional liability coverage beyond your standard homeowners or auto insurance policy.

#3. – Protect Your Assets

To safeguard your assets and future earnings potential.

#4. – Protect Your Business

If you own a business, an umbrella policy can help protect your assets from business liabilities.

#5. – High Risk Protection 

An umbrella policy can protect you if you live in a high-risk neighborhood. 

#6. – Extended Liability 

If you entertain guests frequently at your home, an umbrella policy can help protect you from potential liability claims.

#7 – Young Drivers

If you have teenage drivers in your household, an umbrella policy can help offset the increased risk they pose.

#8. – Housing Expenses

An umbrella policy can cover temporary living expenses if a covered event damages or destroys your home.

#9. – Bundled Discounts

Get a discount on your umbrella policy premium if you purchase other insurance policies (e.g., auto, homeowners, boat) from them.

#10. – Lawsuit Protection

An umbrella policy protects you financially in case of a lawsuit. 

Give Us A Call

Contact the experts when you’re ready to buy an umbrella insurance policy in Falcon, CO and surrounding areas. 

Licensed insurance agents at Pikes Peak Insurance Agency can provide a free quote and the best options for protecting your home and family. 

Boat Insurance: Do You Need it on Private Property?

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Buying a boat is exciting, and you want to protect it. From that perspective, the logical question arises—do I need boat insurance if I only use it on private property near Falcon, CO? 

Our team of insurance experts at Pikes Peak Insurance Agency is here to explain the different types of boat insurance coverage options.

Types of Coverage

Boat insurance has several components, some of which are required by law and others are at your discretion. One type of coverage is boat liability insurance, which covers bodily injury or property damage caused by your vessel. This includes medical payments for injuries sustained on or even near your boat. In most states, liability coverage is mandatory if you take your boat out in public waters.

Another type of boat insurance is collision coverage, which pays for damage done to your own vessel due to an accident with another boat or object. Collision coverage is usually optional but provides the most comprehensive protection against expensive repair bills. If you choose collision coverage, keep in mind that a deductible may be associated with filing a claim.

Finally, comprehensive coverage pays for non-collision-related incidents such as theft or vandalism of your boat and its equipment. Comprehensive coverage also pays for damages caused by natural disasters such as hurricanes and floods. Comprehensive coverage often comes with a higher premium than other types of boat insurance but can help protect you from unexpected losses in the event of unforeseen circumstances.

Give Us A Call

If you plan to use your boat exclusively on private property around Falcon, CO you may not need full-coverage boat insurance, but we highly recommend it. Contact Pikes Peak Insurance Agency to find the right policy for your needs.