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Best Business Insurance for Small Businesses

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Protecting Your Legacy: The Best Business Insurance for Small Businesses

KEY TAKEAWAYS:

  • Looking for the best business insurance for small businesses? Here are the top three types: 
    • General Liability Insurance:
      • Essential for all small businesses
      • Covers third-party injuries, property damage, and advertising injuriesActs as a safety net against unexpected situations and lawsuits
      Commercial Property Insurance:
      • Safeguards physical assets, including buildings, contents, and business interruption
      • Protects against perils like fire, theft, vandalism, and natural disastersEnsures a quick recovery in case of asset compromise
    • Workers’ Compensation Insurance:
      • Required for businesses with employees in most states
      • Covers medical expenses, lost wages, and provides legal protection
      • Demonstrates commitment to employee safety

As a small business owner, you’ve poured your heart and soul into building your dream venture. Whether you run a cozy cafe, a tech startup, or a boutique store, your business is not just an investment; it’s a part of who you are. But as you navigate the unpredictable journey of entrepreneurship, it’s essential to safeguard your hard work and dedication. That’s why it’s important to find the best business insurance for small businesses.  Let’s explore the three best types of business insurance that will help you protect your small business.

What’s the Best Business Insurance for Small Businesses? Here are the Top 3 Types:

1). General Liability Insurance

General liability insurance is arguably the best business insurance for small businesses. Every small business owner should consider it a fundamental necessity. This insurance type offers protection against a wide range of common risks, including:

  • Third-party injuries: If a customer slips and falls in your store or office, sustaining an injury, general liability insurance can cover their medical expenses and protect your business from costly lawsuits.
  • Property damage: Accidents happen, and if your business unintentionally damages someone else’s property, this insurance type can cover the costs of repair or replacement.
  • Advertising injuries: If your advertising efforts inadvertently lead to defamation, copyright infringement, or slander claims, general liability insurance can protect your business from legal consequences.

2). Commercial Property Insurance

Your business’s physical assets are invaluable, from your storefront or office space to your inventory, equipment, and furnishings. Commercial property insurance is designed to protect these assets from things like fire, theft, vandalism, and certain natural disasters.

Here’s what it typically covers:

  • Buildings: If you own the property where your business operates, commercial property insurance can cover damages to the structure itself, including walls, roofs, and floors.
  • Contents: This includes everything within your business premises, such as inventory, machinery, office furniture, and even personal belongings if they are essential to your business operations.
  • Business interruption: In case your business operations are temporarily halted due to a covered event, this insurance can compensate for lost income, ongoing expenses, and the costs associated with temporary relocation.

3). Workers’ Compensation Insurance

If your small business has employees, then workers’ compensation insurance is not just a good idea; it’s typically required by law in most states. This insurance type is crucial for protecting both your employees and your business in the event of workplace injuries or illnesses.

Workers’ comp covers things like:

  • Medical expenses: It pays for medical treatment, rehabilitation, and medication required to treat work-related injuries or illnesses sustained by your employees.
  • Lost wages: If an employee needs time off work to recover, this insurance can provide partial wage replacement, ensuring they have financial support during their recovery.
  • Legal protection: In exchange for workers’ compensation coverage, employees generally waive their right to sue their employer for workplace injuries, which can protect your business from costly lawsuits.

Chat with an Agent About Protecting Your Business Today

Navigating the world of business insurance can be daunting, especially when you’re focused on running your small business. That’s where we can help! We understand the unique challenges that small businesses face, and we’re here to help you find the right insurance solutions tailored to your specific needs. Contact us today, and let us help you find the best business insurance for your small business!

The Top 9 Life Insurance Questions and Answers

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Exploring the Most Common Life Insurance Questions and Answers

KEY TAKEAWAYS:

  • 9 common life insurance questions and answers:
    • What is it and why do I need it? Life insurance is a contract between you and an insurance company, providing a payout to beneficiaries upon your passing.
    • How much coverage do I need? The amount of life insurance needed depends on factors such as debts, income replacement, education expenses, and more.
    • What types of life insurance are available? Types of life insurance include term life (temporary coverage) and permanent life (lifelong coverage with cash value).
    • How much does it cost? Premiums vary based on age, health, coverage amount, and policy type.
    • When is the best time to buy? The best time to buy life insurance is as early as possible to secure lower premiums.
    • What happens if I outlive my term life insurance policy? If you outlive your term life insurance policy, you can renew, convert to permanent insurance, or explore new options.
    • Can I have multiple policies? Multiple life insurance policies from different insurers can be strategically used for various needs and beneficiaries.
    • Do I need a medical exam to qualify? Medical exams may be required for some policies, while others offer simplified underwriting.
    • Can I change my beneficiaries? Beneficiaries can be changed at any time by updating your policy with your insurance company.

Life insurance is a great way to provide for your loved ones even after you’re no longer here to be the sole provider. Better than a savings account, life insurance offers a variety of benefits to your beneficiaries. But if you’re like most people, then you probably have several questions about how these policies work. That’s why we’re counting down the top 9 life insurance questions and answers. Here, you’ll find everything you’ll need to know about these helpful policies (and more)!  

9 Life Insurance Questions and Answers

1. What is life insurance, and why do I need it?

Up first on our list of life insurance questions and answers: what is it and why do I need it? Life insurance is a contract between you and an insurance company. You pay regular premiums, and in return, the insurer provides a payout to your beneficiaries (the people you choose) upon your death. The primary purpose of life insurance is to offer financial security to your loved ones, helping them cover expenses like funeral costs, outstanding debts, and ongoing living expenses.

Top 9 Life Insurance Questions and Answers - Avalue Insurance
Top 9 Life Insurance Questions and Answers – Avalue Insurance

2. How much life insurance do I need?

The amount of life insurance you require depends on your individual circumstances, including your financial obligations, future goals, and family’s needs. Common factors to consider include:

  • Outstanding debts (mortgage, loans, credit cards).
  • Funeral and burial expenses.
  • Income replacement for your family.
  • Children’s education expenses.
  • Estate taxes, if applicable.

3. What types of life insurance are available?

There are two primary types of life insurance: term life insurance and permanent life insurance.

  • Term Life Insurance: Provides coverage for a specific term, typically 10, 20, or 30 years. It offers lower premiums but does not accumulate cash value.
  • Permanent Life Insurance: Includes options like whole life, universal life, and variable life insurance. These policies offer lifelong coverage and often feature a cash value component that can grow over time.

4. How much does life insurance cost?

The cost of life insurance varies based on several factors, including your age, health, coverage amount, and the type of policy you choose. Generally, term life insurance tends to be more affordable than permanent life insurance.

5. When is the best time to buy life insurance?

The best time to purchase life insurance is as early as possible. Premiums are typically lower when you’re younger and healthier. However, it’s never too late to sign up!

6. What happens if I outlive my term life insurance policy?

If you outlive your term life insurance policy, you typically have a few options. You can renew the policy, convert it to permanent insurance (if available), or explore new coverage options.

7. Can I have multiple policies?

Yes, you can have multiple policies from different insurers. This can be a strategic approach to tailor your coverage to different financial needs and beneficiaries.

8. Do I need a medical exam to get life insurance?

The requirement for a medical exam varies depending on the type and amount of coverage you seek. Some policies may require a medical examination, while others offer “no-exam” or simplified underwriting options. The choice often impacts the cost of your premiums.

9. Can I change my beneficiaries?

Last on our list of life insurance questions and answers is: can I change my beneficiaries, or are they locked in? Yes, you can change your beneficiaries at any time by contacting your insurance company and updating your policy. It’s important to review your beneficiary designation regularly to make sure it aligns with your current wishes.

Speak with a Life Insurance Professional Today!

There you have it — the top 9 life insurance questions and answers! But if you still have questions that you’d like answered, then don’t worry. We’re here to help! Contact Avalue Insurance today to receive expert guidance on the best policy for you and your loved ones!

You can also give us a call at (303) 773-3332 or email us at: info@avalueinsurance.com 

Why You Need General Liability Insurance for an LLC

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Protecting Your Small Business: The Benefits of Having General Liability Insurance for an LLC

KEY TAKEAWAYS:

  • Thinking about getting general liability insurance for an LLC? Here’s why it’s a game-changer:
    • General liability insurance protects against lawsuits, covering legal defense costs, settlements, or judgments.
    • It provides coverage for property damage, shielding your business assets from financial burdens.
    • The insurance covers medical expenses for third parties injured on your business premises.
    • Advertising injury protection safeguards against unintentional marketing-related disputes.
    • Having general liability insurance for an LLC can give you a competitive edge and build trust with clients.

When most people think “commercial insurance”, they think “corporations”. The larger the business, the more insurance coverage it needs — or so you may think! But the size of your business doesn’t dictate the amount of protection it needs. While big corporations usually invest in extensive insurance plans, small businesses can still benefit from certain types of insurance — especially generally liability insurance. In most cases, having general liability insurance for an LLC is a great idea. It could even be exactly what your small business needs to stay afloat!

So, how do you know if you need general liability insurance for an LLC? Let’s talk about it.

General Liability Insurance for an LLC - Avalue Insurance
General Liability Insurance for an LLC – Avalue Insurance

Why it’s a Great Idea to Get General Liability Insurance for an LLC:

1). Protection Against Lawsuits

Regardless of how meticulous you are in managing your business, accidents can still happen. All it takes is one mishap, and suddenly, you’re being held personally liable for legal defense costs, settlements, or judgments resulting from bodily injury or property damage. General liability insurance steps in to shoulder these expenses, ensuring that your business and your assets are protected.

2). Coverage for Property Damage

Accidents can lead to unintentional property damage. For instance, consider a scenario where your small construction LLC is renovating a client’s home, and one of your workers accidentally damages a valuable piece of art. If you don’t have general liability insurance, you’d be on the hook for covering the cost of repairs or replacements from your business assets. But with insurance, your policy can pick up the tab for you.

3). Medical Expenses

If a third party sustains an injury on your business premises, whether it’s a customer or a visitor, general liability insurance can cover their medical expenses. This encompasses immediate medical treatment, ambulance fees, and even follow-up care costs. By having this coverage, your small LLC can showcase its commitment to the well-being of your customers, fostering more trust and goodwill and possibly avoiding a lawsuit!

4). Advertising Protection

In the world of marketing and advertising, it’s easy to inadvertently step on someone else’s toes. Whether it’s unintentional copyright infringement in an advertisement or accidental misrepresentation, general liability insurance offers protection against advertising mishaps. This coverage ensures that if your small LLC faces claims related to advertising practices, you have the financial support to address the issue.

5). Competitive Edge

Having general liability insurance for an LLC can also give you a competitive edge. Many clients and customers prefer to work with businesses that are adequately insured. It signals your commitment to professionalism, responsibility, and the well-being of those you serve. In a crowded marketplace, this advantage can help your small LLC stand out!

Insure Your LLC Today!

Don’t let the size of your business dissuade you from insuring it. Having general liability insurance for an LLC can be a game-changer, and we’re here to help you get the coverage that you need. Our experienced agents are here to help you secure a policy that perfectly aligns with your small LLC’s needs. Contact us today to request a consultation, and start comparing policies with an experienced commercial insurance agent!

From California Dreamer to Colorado Career-Woman

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Introducing: Sharon Kalmes

Sharon Kalmes is our commercial account manager here at Avalue Insurance. She’s a seasoned insurance pro and our resident expert for commercial and personal lines. With over 40 years in the insurance game, Sharon brings four decades of experience and a prestigious CIC designation to our team.  

Originally hailing from California, Sharon lovingly refers to herself as a “semi-native”. She made the move to Colorado in February of 1985 after a job promotion, and she would soon meet her husband (a “true” Colorado native) and settle down in the Centennial state.

Being the policy guru that she is, Sharon stayed committed to the insurance industry. It was only a matter of time before she met Sarah Lampard, owner of Avalue Insurance. Sharon had initially interviewed with another agency, and the owner of that agency decided to get in touch with Sarah. Impressed by Sharon’s qualifications and experience, Sarah wasted no time and promptly called her in for an interview. The two instantly connected, and Sharon was hired on the spot.

As a beloved member of the Avalue family, Sharon is a dependable teammate — the kind of teammate who can hold down the fort for you while you’re on vacation! “When I first hired her, I left on my first vacation 10 days later,” says Sarah Lampard. “She told me not to bring my laptop with me on vacation, and that she could handle it. I will never forget that. She rocks!”

Sharon has been with us for 10 happy years. When asked what she loves most about Avalue Insurance, she happily proclaimed, “the working environment!” Sharon is a strong team member, and she values comradery above all else. Because of this, she feels right at home at Avalue Insurance — where teamwork is paramount and success is happily shared.  

Outside of Avalue, Sharon is an outdoor enthusiast, an avid golfer, and a pickleball aficionado. And when she’s not enjoying the great outdoors, you can find her cooking up a storm, always ready to master new recipes.

In Sharon Kalmes, we have not only found a top-notch commercial account manager, but also an amazing individual with a wealth of experiences and a zest for life. Her commitment to excellence is inspiring, and her adventurous spirit is infectious. Here’s to another 10 lovely years, Sharon!

How to Get Car Insurance at a Great Rate: A First-Timer’s Handbook

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Have You Been Wondering How to Get Car Insurance at a Decent Rate?

Then you’re in the right place! Whether you’re a brand-new driver or are just looking to understand auto insurance a bit better, this quick and easy guide is for you. Here’s how to get car insurance at a great rate (even if you’re not a car insurance guru)!

KEY TAKEAWAYS:

  • How to get car insurance at a great rate every single time:
    • Determine Your Coverage Needs
      • Understand the basic types of coverage, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
    • Understand the Factors Affecting Your Premium
      • Factors like driving record, age, location, vehicle type, and coverage levels impact your premium.
      • Finding the right balance between coverage and cost is essential.
    • Ask About Discounts
      • Many insurers offer discounts, such as multi-policy, good driver, good student, safety features, and low mileage discounts.
    • Consider Bundling Your Car Insurance with Other Policies
      • Bundling combines auto insurance with other policies like home or renters insurance.
      • Bundling often results in valuable discounts and lower premiums.

Here’s How to Get Car Insurance at a Great Rate Every Time:

1). Determine Your Coverage Needs

Before you start shopping for policies, you’ll need to understand the different types of auto coverage and which ones you’ll need. Here are some of the essentials:

Liability Coverage: This is the foundation of car insurance. It covers bodily injury and property damage in the event you’re at fault in an accident. It’s often required by law.

Collision Coverage: This covers damage to your vehicle in the event of a collision with another car or object.

Comprehensive Coverage: This takes care of non-collision-related incidents like theft, vandalism, or natural disasters.

Uninsured/Underinsured Motorist Coverage: Did you know that in Colordo alone, you have a 1 in 8 chance of getting struck by an uninsured/underinsured driver? Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance or has insufficient coverage.

2). Understand the Factors Affecting Your Premium

Several factors impact the cost of your car insurance premium (or your “monthly payments”). These include:

Driving Record: A clean record usually results in lower premiums, while accidents and violations can lead to higher rates.

Age and Gender: Young and inexperienced drivers often pay more for insurance. Gender can also play a role in some states.

Location: Where you live can affect your rates. Urban areas may have higher premiums due to increased traffic and theft rates.

Vehicle Type: The make and model of your car, as well as its age and safety features, can influence your premium. The safer your vehicle, the lower your premium!

Coverage Levels: The more extensive your coverage, the higher your premium. Finding the right balance between coverage and cost is crucial.

3). Ask About Discounts

If you’ve been wondering how to get car insurance at discounted rates, then you’re in luck! Many insurance companies offer discounts that can help you save on your premium. Common discounts include:

Multi-Policy: Save by bundling your auto insurance with other policies like home or renters insurance.

Good Driver: Enjoy lower rates if you have a clean driving record. You can also qualify for good driver discounts through telematic apps offered by certain carriers. Telematic apps track and recognize your safe driving habits, and they could help you qualify for discounts ranging anywhere between 5 and 30 percent!

Good Student: Students with excellent grades can often score a discount.

Safety Features: Cars equipped with safety features like anti-theft devices and airbags may qualify for reduced rates.

Low Mileage: If you don’t drive much, you could be eligible for a low mileage discount.

4). Consider Bundling Your Auto Insurance with Other Policies

Bundling your auto insurance with other insurance policies, like home or renters insurance, is a smart move that can save you some serious cash. Not only does it simplify your life by having all your policies in one place, but it can also earn you valuable discounts. Insurance providers often reward customers with lower premiums when they bundle, making it a win-win for your coverage and your wallet. Plus, it’s just plain convenient – one less thing to worry about!

Want to Know How to Get Car Insurance Quickly and Easily?

Simple: let us handle it for you! At Avalue Insurance, we’re here to help you in finding the right policy at the right price. As independent agents, we have the freedom to let you compare multiple policies and multiple prices. Contact us today, and let our experts simplify your car insurance search!  

Texan Charm, Colorado Spirit

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Everyone, Meet Diane!

Meet Diane Engles, a Texan by birth, a Coloradan by choice, and a valued member of the Avalue Insurance family. Diane’s journey is one filled with passion, dedication, and a commitment to making a difference in both her professional and personal life.

Originally hailing from the bustling city of Houston, Texas, Diane’s roots run deep in the Lone Star State. Born and raised amidst the Texan hospitality and warm Southern charm, she carried these values with her when she embarked on a new chapter in Colorado in 1999.

Diane’s venture into the insurance world began in 2015, marking a career shift that would lead her to her current role as an account manager for personal insurance at Avalue Insurance. Her journey, however, is not just about numbers and policies; it’s about the people she serves and the impact she makes.

Before her insurance career, Diane wore many hats, including owning businesses a Sylvan Learning Center in Houston, Texas. Her administrative prowess shone through, but it was her desire for change that ultimately set her on her current path. That’s when she met Sarah Lampard, CEO and Founder of Avalue Insurance.

While searching online for a new insurance agency to collaborate with, it was Sarah’s website that caught her eye. It wasn’t just the services offered; it was the values that Sarah and Avalue Insurance embodied. Diane left a message, scheduled a phone call, and showed up to meet Sarah. The connection was immediate, and Sarah hired her on the spot. Today, Diane works as a personal insurance account manager.

Since she first started at Avalue Insurance in 2017, Diane has been an active part of the Avalue community, an exemplary worker, and an impressive green-thumb around the office. But Diane’s impact extends far beyond the insurance world. One of her most significant life accomplishments was embarking on a life-changing journey to Costa Rica in 2006. There, she lived for four years, immersing herself in the vibrant culture and giving back to the community through volunteer work. Her time in Costa Rica reflects her servant spirit, and her position at Avalue Insurance shows her ongoing commitment to people.

So, the next time you think about insurance, remember that it’s not just about policies and premiums—it’s about the people behind the scenes, like Diane Engles, who make it their mission to protect, serve, and empower. And if you’re ever in need of insurance guidance or a friendly face at Avalue Insurance, Diane will be there, ready to assist you with her Texan charm and Colorado spirit.

Do You Need Home Insurance for a Rental Property?

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(And Other Frequently Asked Questions)

KEY TAKEAWAYS:

  • Do you need home insurance for a rental property?
    • Yes, you need insurance coverage for rental properties, but you won’t find “home insurance” for a rental property. You’ll need “landlord insurance” or “rental property insurance”.
  • What does landlord home insurance actually cover?
    • Landlord Home insurance typically offers dwelling coverage, personal property coverage, liability, personal offense liability for wrongful eviction or privacy invasion coverage, and loss of rents (if renter has to move out for a covered loss)
  • How much coverage do I need?
    • This depends on factors like your home’s value, location, and personal assets.
  • Does it cover natural disasters?
    • Most policies cover things like fire, theft, and storms. But specific natural disasters like earthquakes and floods may require separate policies.
  • What’s the difference between “replacement cost” and “actual cash value”?
    • Replacement cost pays for the full cost of replacing damaged items with new ones, while actual cash value factors in depreciation.
  • How can I lower my premiums?
    • Install security systems.
    • Bundle your home and auto insurance.
    • Be mindful of the age and condition of your roof
    • Raise your deductible.
    • Maintain good credit.
    • Do not file “maintenance” claims
    • Review and update your policy.
  • Can you bundle home insurance with other policies?
    • Yes, you can bundle home and auto insurance.
    • You may also be able to bundle it with other policies as well, like motorcycle insurance.

“Do you need home insurance for a rental property?” I get asked this question a lot. Let’s talk about it, as well as a few other frequently asked questions!

When life throws you those unexpected curveballs, home insurance can be a real wallet-saver. But like most insurance policies, they can seem pretty complicated at first glance. If you’re like most insurance-shoppers, then you probably have more than a few questions about your homeowners’ policy. So, let’s talk about some of the most common policy questions!

Do You Need Home Insurance for a Rental Property?

Yes, you should absolutely get insurance coverage for your rental properties. But it’s not the same as standard homeowners’ insurance. In fact, you won’t find “home insurance” for a rental property. Instead, you’ll need to get “landlord insurance” or “rental property insurance”. This coverage typically includes property damage, liability protection, and even rental income loss coverage.

What Does Home Insurance Actually Cover?

Home insurance typically covers five main areas:

  • Dwelling Coverage: Repairs or rebuilding your home in case of damage.
  • Personal Property Coverage: Replacement of belongings like furniture and electronics.
  • Liability Coverage: Protection if someone gets hurt on your property.
  • Personal offense liability: Offers wrongful eviction or privacy invasion coverage
  • Loss of Rents Coverage: Covers you if renter has to move out for a covered loss and no longer pays rent

How Much Coverage Do I Need?

The ideal coverage amount varies depending on factors like your home’s value, location, and your personal assets. It’s generally a good idea to conduct a thorough assessment with your insurer to determine the right coverage amount for you.

What About Natural Disasters?

Standard home insurance usually covers damages caused by common perils like fire and storms. However, coverage for specific natural disasters like earthquakes or floods may require separate policies. Be sure to discuss your coverage needs with your insurer so you can be sure that you have enough coverage!

What’s the Difference Between Replacement Cost and Actual Cash Value?

Replacement cost coverage pays for the full cost of replacing damaged items with new ones, while actual cash value factors in depreciation. Replacement cost coverage is generally more comprehensive but may come with a higher premium.

How Can I Lower My Premiums?

There are several ways to reduce your home insurance premiums:

  • Install security systems
  • Bundle your home and auto insurance
  • Raise your deductible
  • Maintain good credit
  • Do not file “maintenance” claims
  • Be mindful of the age and condition of your roof
  • Regularly review and update your policy

Can I Bundle My Home Insurance with Other Policies?

Absolutely, you can bundle home insurance with other policies! As previously mentioned, you can bundle your home and auto insurance to lower your monthly premium. While bundling typically involves combining your home and auto insurance, it can also extend to other types, like motorcycle insurance.

Want home insurance help? Or maybe you’re interested in bundling? I can help with both! Get in touch with me today, and I’ll help you get the most out of your home insurance coverage!

Introducing: Our Newest Avalue Team Member

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Everyone, I’m excited to introduce you to someone:

Her name is Nicole Johnson, and she’s our newest account manager here at Avalue Insurance!  

Nicole is a proud Colorado native, a newly wedded wife, and an active community member. When she’s not wowing us here at the office, you can find Nicole spiking volleyballs on the court, coaching local high school teams, or gabbing with her hubby over some delicious boba tea.

Nicole has just over three and a half years of experience in the insurance industry, and she specializes primarily in personal lines insurance. Her enthusiasm is infectious, and her insurance expertise delights us on a daily basis. She’s an insurance-powerhouse, if ever I’ve seen one!

 

But Nicole isn’t just about policies and spreadsheets.

Just like all of us here at Avalue, she’s all about people. And it’s not just because she has a Bachelor’s degree in psychology! Nicole understands first-hand the value of community. Growing up as the fourth of six lively siblings, Nicole learned the value of togetherness at an early age. Best of all, she brings it with her to work every single day! Nicole has a natural knack for forging strong bonds with our clients and team members, making them feel right at home from the get-go.

“I really love the environment at Avalue,” says Nicole. “It’s super personable, and the things that matter most at Avalue are the things that matter most — if that makes sense!”

Yes, Nicole, it certainly does make sense! We’re excited to see that you share in our passion for helping people, and we’re honored to have you on our team!   

Welcome to Avalue Insurance, Nicole!

How to Find the Best Motorcycle Insurance for YOU

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Don’t Spend Hours Trying to Find the “Best Motorcycle insurance” Out There. You’re Better Off Bundling!  

KEY TAKEAWAYS:

  • How do you find the best motorcycle insurance on the market? Stop searching, and start bundling! Here’s why:
    • Bundling often comes with discounts, saving you more money in the long run.Bundled policies offer one-stop access to payments, claims, and assistance, simplifying insurance management across the board.
    • Bundled policies often come with more customization options, making it easier to find a policy that meets all of your unique needs.  
Best Motorcycle insurance - Avalue Insurance

“I’m trying to find the best motorcycle insurance, but nothing has met my criteria so far. How do I find the best policy at the best price?”

You’ve probably spent hours (or maybe even days) searching for the best motorcycle insurance on the market, but to no avail. Everywhere you look, you find policies that are either too pricey or too skimpy on coverage. So, what’s the solution? How do you find the best motorcycle insurance at the best possible price? Before we answer this question, I’ve got one for you:

Have you ever thought about bundling?

Now, I know what you’re probably thinking: “No way! Bundling looks good on the surface, but it’s not all it’s cracked up to be. The cost savings are minimal, the coverage is worse, and it just complicates things.” You’re skeptical, as any responsible insurance-shopper should be! But before you write it off completely, I wanted to give you a few educational nuggets to chew on.   

Let’s talk about how bundling could save you time, money, and hassle.

Bundling can save you thousands (yes, thousands) in the long run.

Bundling is like the BOGO deals of the insurance world. Rather than buying a single motorcycle insurance policy at full-price, you’re combining your home, auto, and motorcycle policies into one discounted package. So, you’re getting great motorcycle coverage at a discounted price!

But wouldn’t it be cheaper to just get one of those cheap motorcycle insurance policies for $75 a year?

Not necessarily. In fact, these cheap solo policies could actually cost you more money down the road!

Ever heard that old adage, “you get what you pay for”? This definitely applies in the insurance world. In most cases, cheap policies offer minimal coverage. Trust me: the last thing you want to do is skimp on motorcycle coverage! More than 100,000 motorcycle accidents happen in Colorado every single year. Could you imagine coming out of a motorcycle crash with thousands of dollars in out-of-pocket expenses?

Ouch! If you ask me, it’s better to play it safe!

Now, here’s some more food for thought: You have to have home and auto insurance, right? So, why purchase all of those policies separately when you can bundle your home, auto, and motorcycle insurance into one discounted package? That would be like buying your favorite dessert one snack at a time instead of buying the discounted box upfront! You know you’ll need it later, so why not save some money in the process?

Unpopular opinion: bundling is way more convenient.

Most people are worried that bundling will just create more hassle and headaches down the road because they are “locked into a package deal”. But ironically enough, bundling can actually save you a ton of hassle down the road! Instead of juggling multiple insurance providers and policies, you can manage your home, auto, and motorcycle policies all in one place. That means you’ll have a more streamlined process for making payments, managing claims, and getting assistance.

Bundling is more customizable than you think!

When you’re shopping for the best motorcycle insurance for you, the last thing you want is cookie-cutter-coverage. And contrary to popular belief, bundling doesn’t necessarily force you into a one-size-fits-all package. When you bundle, you can work with your insurance provider to get a package that meets all of your needs while helping you save money in the process. It’s a win-win!

Want to speak with a motorcycle insurance pro about bundling your policies? Let’s chat!

Now that you’re all ears about bundling, let’s talk about Avalue Insurance. We’re not just another insurance provider; we’re your partners in protection. As a team of independent insurance agents in Colorado, we’re all about personalized policies that work best for people — not “the general public”, but real-life people. You won’t find any one-size-fits-all policies here!

And best of all: we bundle. If you’re tired of scraping Google for the best motorcycle insurance policy out there, let us talk to you about bundling. You may just surprise yourself!

Get in touch with us today, and let us help you find and bundle the best motorcycle insurance for you! We offer free quotes on motorcycle insurance, so what have you got to lose (other than missing out on some serious savings)?

Who is Avalue Insurance?

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First things first: we’re more than just policies.

Most people already know that Avalue Insurance is a team of independent insurance agents in Denver, Colorado. We’re on a mission to “humanize” insurance; our agents make insurance-shopping simpler, quicker, and a lot less stressful!

But before we’re insurance agents, we’re people. We’re residents of central Colorado — just like you — and we take our roles as “Colorado community members” very seriously. That’s why Avalue Insurance isn’t just another insurance agency in Centennial. We’re not just about numbers, claims, and policies.

We’re about people.

Avalue Insurance is committed to community betterment.

We all want to make the world a better place. But since that can be a pretty big job to take on all at once, we’ve decided to start somewhere a little closer to home: our local cities and neighborhoods. That’s why we’ve partnered with a variety of local causes and fundraising opportunities.  Feeding hungry families, fueling fundraisers, mentoring students, offering career guidance, building homes for those in need — we do it all.

Why? Because we can’t get enough of it!

At Avalue, we don’t just talk about caring – we show it. When we see a need, we’ll fill it. When there’s a problem, we’ll fix it. When someone needs a helping hand, we’ll give them two. Because we care about our Colorado community, and we’re passionate about protecting people’s peace-of-mind. So, whether it’s policies or charities, we’re here to help.   ‘

How you can help us make a difference.

Avalue Insurance is always looking for new ways to get involved. We just finished raising over $4,200 for Cross Purpose, and we’re already on the hunt for our next opportunity to give-back. But we can’t do it alone. We could use your support! Follow our newsletter to stay up-to-date with the latest Avalue news, and be the first to hear about our future fundraisers! You can show your support by making donations or just giving us some digital high-fives. Either way, we appreciate your support!

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