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Are You Disaster Ready?

Posted on August 29, 2025August 22, 2025 by admin

When you buy a home, you are investing in the future for yourself and your family. Many homeowners understand the importance of protecting their investment by purchasing home insurance. If your home is located in Colorado, our team at Laine Insurance can explain all the benefits of home insurance. We have been working with homeowners like you since 2012.

Are You Disaster Ready?

You never know when your home might be damaged by a storm, fire, flood, or theft. However, there are steps you can take to prepare yourself and your family for the aftermath of a disaster. According to the Colorado Department of Regulatory Agencies, one crucial preparatory step is creating a home inventory. By listing all your valuable belongings, including their prices and model numbers, this inventory can serve as documentation when you file a disaster claim.

If a disaster strikes your home, your priority will be to ensure the safety of yourself and your family. To prepare for evacuation during a disaster, you should assemble a “to-go” bag that includes cash, medications, a battery-powered radio, a change of clothes, and your health history. When disaster strikes, contact your home insurance agent as soon as possible.

Call Us Today for Your Appointment

Your home is more than just a place to live; it represents your dreams and your future. Our team at Laine Insurance offers a wide range of insurance options. Colorado homeowners have come to trust our team for excellent client support and customer service. Call us today to schedule an appointment, and let us help you protect the investment you’ve made in your home.

How Long Does a Car Accident Impact Auto Insurance?

Posted on July 31, 2025July 24, 2025 by admin

When investing in car insurance, agencies evaluate various factors to determine your risk level. Your past driving history, including accidents, can impact the availability, type, and cost of coverage. If you’ve been involved in a car accident, you may wonder how long it will continue to affect your insurance rates and options.

At Laine Insurance, we work with drivers in Colorado to find car insurance that provides the best possible protection tailored to their specific needs. Schedule a conversation with us to gain insight into how your accident history impacts your coverage.

Expect an Impact for Several Years

Each insurance company sets its own terms and conditions regarding risk factors that influence rates and coverage availability. Typically, a serious accident in which you are at fault can affect your insurance rates for 3 to 5 years. During this time, your premiums may be higher due to the increased risk you present.

Certain types of accidents can have a longer-lasting impact. For example, incidents involving a DUI or accidents resulting in fatalities due to negligence may affect your rates for much longer—sometimes permanently.

It’s essential to note that not all insurers handle accident history in the same manner. Just because one company imposes strict limitations or higher rates doesn’t mean others will follow suit. As an independent insurance provider, we can help you explore options and find coverage that best suits your situation.

Get a Quote for Coverage That Fits

At Laine Insurance, we specialize in helping drivers in Colorado obtain car insurance that meets their specific needs while keeping costs in mind. Contact us today to discuss your options and receive a customized quote for coverage tailored to your specific needs.

How to Insure a Rented RV

Posted on June 30, 2025June 23, 2025 by admin

Traveling through the countryside in a recreational vehicle (RV) sounds like a fantastic way to spend a summer vacation. However, owning an RV full-time may not be practical for everyone. These vehicles are expensive and require significant storage space. Renting an RV could be an excellent alternative for those who want the experience without the long-term commitment. Keep in mind, though, that even rental RVs require insurance. Rental RV insurance is not the same as rental car insurance—it’s typically more expensive, and your credit card may not cover it. Fortunately, obtaining rental RV insurance is a straightforward process.

How to Get Rental RV Insurance and How It Works

The company you rent your RV from may also offer RV insurance if your existing auto insurance doesn’t cover it. Alternatively, you can purchase coverage through your auto insurance provider or a third-party insurance provider. In many cases, you can choose your level of coverage, and the cost may be included in the daily rental fee for added convenience. This eliminates the need for multiple payments.

Because RVs are larger, more challenging to maneuver, and generally more hazardous than typical cars, rental RV insurance tends to cost more. However, the added protection is often worth the investment. Rental RV insurance typically covers liability, collision damage, and personal injury protection, provided the accident was unintentional and the driver was authorized. Note that personal possessions inside the RV are not covered by rental RV insurance; they may be protected under your homeowner’s insurance policy.

Contact Laine Insurance in Colorado

If you’re in Colorado and believe rental RV insurance is a good option for you, contact Laine Insurance. We’re here to help you find the coverage you need for a worry-free adventure.

How do I know if I need separate motorcycle insurance if I already have auto insurance?

Posted on May 30, 2025May 28, 2025 by admin

Some insurance companies encourage clients to "bundle" insurance and offer incentives for obtaining more than one type of insurance coverage from the same company. For instance, it might be beneficial to get motorcycle insurance from the same company that insures your auto.

Adding Motorcycle Coverage

If you’re already a client of Laine Insurance in Colorado, it might be easier to get motorcycle coverage if you already have auto insurance. Depending on the insurance underwriter, you might qualify for a discount. Ask your agent to find out what discounts may be available.

Getting New Motorcycle Coverage

If you have auto insurance coverage and want a separate policy to cover your motorcycle, you can get a quote from your agent for a separate motorcycle insurance policy. Then you can compare the total cost of coverage when the policies come from different companies.

Colorado Minimum Insurance Requirements

Colorado has mandatory minimum auto insurance requirements, as well as minimum requirements for motorcycle insurance. It’s a wise strategy to have more than the basic minimum insurance requirements, but it’s certainly not legal to drive a vehicle or a motorcycle in the state of Colorado without meeting at least the minimum insurance requirements.

Custom Motorcycle Insurance

Often, motorcycle enthusiasts spend significant amounts of time and money customizing their bikes with accessories and special features. In such cases, it may be essential to update motorcycle insurance coverage for these customizations. It’s best to keep your insurance agent informed.

Contact your agent at Laine Insurance in Colorado for any questions about motorcycle insurance coverage and to update your policy if any substantial changes have been made that would affect your existing coverage requirements.

Does Watercraft Insurance Cover Theft?

Posted on April 30, 2025April 29, 2025 by admin

When you own a boat, it’s important to take care of it. For many boat owners, having the right insurance policy is a part of boat ownership. The professionals at Laine Insurance, servicing Colorado, can help.

We work with many insurance carriers to help our customers. It’s important to us to guide you to the right insurance policy. Here’s what you need to know about boat insurance and whether it covers theft.

Does Watercraft Insurance Cover Theft?

Not all watercraft insurance policies cover theft. Comprehensive watercraft insurance does cover theft. If you need to have a watercraft insurance policy that will provide coverage in the event of theft, speak with your insurance professional.

Your insurance professional can help you find the right watercraft insurance for your needs. If you live in an area where watercraft insurance theft is common, a comprehensive insurance policy is a good idea.

How Can You Get Comprehensive Watercraft Insurance?

To get comprehensive watercraft insurance, talk to your insurance agent. Your insurance agent may ask you questions about your budget, your boat, and the type of coverage you prefer. Next, the insurance agent will produce quotes from one or more insurance companies.

When you work with an independent insurance agent, you can get quotes from multiple insurance companies. This can help you choose a type of watercraft insurance that best suits your budget and needs.

Need More Information? Call Today

Do you want more information about watercraft insurance? Talk to the professionals at Laine Insurance, servicing Colorado. We’re here to help!

Call today to speak with one of our insurance professionals. We’d be happy to answer your questions about watercraft insurance and provide you with quotes from reputable insurance carriers.

What is an Annuity?

Posted on March 28, 2025March 26, 2025 by admin

As you contemplate your future, one thing to consider is how to support your family after you pass away. Life insurance is one of the financial tools people use to ensure their families will be provided for when they die. If you live in Colorado, our team at Laine Insurance welcomes you to bring us all your insurance questions. We’ve been working with clients in Colorado since 2019.

What is an Annuity?

When shopping for life insurance, you may hear about annuities. According to the Colorado Department of Regulatory Annuities, an annuity is a contract made for you by your insurance company to provide payments to someone you designate. If you want someone to receive annuity payments, you secure the payments with premiums (similar to insurance premiums). One of the benefits of an annuity is the interest that your annuity premiums accrue.

Annuities can be purchased in a variety of ways. For example, a single payment annuity is purchased by paying the full premium upfront. Suppose you want to invest the premiums of your annuity (hoping for a gain in value for the person who receives funds). In that case, it is called a fixed or a variable annuity (depending on whether you plan to change the source of your investments).

Call Us Today for Your Appointment

The guidelines of your life insurance policy can make a difference for your family when they need to pay funeral expenses or navigate the years after you pass away. Citizens of Colorado will find us knowledgeable about a wide range of life insurance policies and arrangements. Every member of our team at Laine Insurance provides excellent customer service to every client who visits our office. Call us for an appointment today, and let’s talk about your insurance options.

Commercial Insurance Tips for Risky Business Endeavors

Posted on February 28, 2025February 25, 2025 by admin

Does your business plan include operations that are considered risky? You may want to obtain commercial insurance coverage for situations that you have identified as high-risk. Use the tips that follow to guide you.

Liability Risks

Identify the liability risks that your business faces. If dangerous machinery, chemicals, or other hazardous materials are used in your place of business, you may be concerned about the possibility of being sued.

Acquiring enough liability protection is important. Liability insurance will cover you if you are sued by one of your clients. This type of insurance coverage will handle a wide range of legal costs you may face.

Business Property Damage

If your business environment is considered dangerous, you may be concerned about the threat of damage. Damage to your business property could be costly. Having adequate insurance coverage will limit the out-of-pocket costs you could potentially face.

The coverage you attain will allow you to repair or replace any damaged materials on site, preventing your business operations from being halted for a long time.

Workers Compensation Coverage

Having adequate coverage for your employees is important. This type of coverage will protect against injuries that your workers may incur.

Commercial Insurance Upgrades

Are you ready to learn more about protecting your place of business? Contact one of our Laine Insurance agents serving Colorado to schedule an appointment to discuss your business plan.

The agent will outline any risks that you face as a business owner. They will recommend various types of commercial insurance that will protect you, your employees, and your place of business.

How Bundling Home and Auto Insurance Can be Beneficial in Colorado

Posted on January 31, 2025January 29, 2025 by admin

As a resident of Colorado, bundling your home and auto insurance can provide multiple benefits. Bundling policies for comprehensive coverage and protection secures your peace of mind and ensures you’re prepared for any driving conditions or weather patterns you may encounter throughout the year. At Laine Insurance, we’re here to help you find the perfect bundle for your auto and home insurance policies that suit your needs and those of your household.

Cost Savings

One of the most attractive aspects of bundling home and auto insurance for Colorado residents is the potential for significant cost savings. Bundling can offer discounts that range from 10-25% in total, a sum that can accumulate over time.

Simplified Policy Management

Bundling is an excellent option for streamlining policy management. It consolidates payments and billing cycles, making tracking and monitoring insurance premiums easier. Having a single point of contact also simplifies the process of discussing coverage options and potential add-ons, eliminating the need to contact multiple agents.

Enhanced Coverage

Bundling your home and auto insurance can also offer additional perks and features, such as extended liability protection across both policies. You may also be offered discounts and higher coverage limits at a reduced cost.

Understanding the benefits of bundling home and auto insurance while living in Colorado is a great first step, whether you’re looking to optimize and maximize your coverage or reduce insurance premiums. If you’re interested in learning more about how to bundle your home and auto insurance while living and working in Colorado, we’re here to help. Contact Laine Insurance today for your quote and initial consultation.

Should You List Your Teen Driver on Your Auto Insurance?

Posted on December 24, 2024December 23, 2024 by admin

Every parent of a teen in Colorado eventually decides whether to add their driver to their insurance or have them purchase their own. At Laine Insurance, we aim to provide you with the facts and options. In this blog, we’ll explain the pros and cons of listing your teenager on the family auto policy and how a teenager can purchase their policy.

Insurance is a Must for Your Teen Driver

Before your teenager can earn their learner’s permit, they must obtain insurance coverage that meets the state minimums. We recommend adding your teenager to your auto insurance before starting their high school driver’s education course or other driving lessons. By doing this, you ensure they carry appropriate insurance in case they cause an accident while learning to drive.

Emancipated Teens and Adult Teenagers

A person must reach the age of adulthood, 18 years, before they can purchase auto coverage or other insurance alone. The exception to this is an emancipated teen. Once a court of law allows people to emancipate from their parents, they’re granted adult rights. We’ve never faced this rare situation, so the teenagers to whom we sell auto policies have reached the age of 18 or 19. Everyone younger than that must get listed on their parent’s policy.

Impact of Listing Your Teen on Your Policy

Policy premiums typically increase with a teenage driver on them. You may be able to mitigate this increase with a defensive driving certificate. Ask your agent if the insurance underwriter offers scholarly student discounts or other options.

Contact Laine Insurance Today

Don’t let your teen drive in Colorado without proper auto coverage. Call or email Laine Insurance today to update your policy.

How Do RV and Auto Insurance Differ?

Posted on November 26, 2024November 25, 2024 by admin

If you are considering buying an RV, it helps to understand the similarities and differences between RV and auto insurance. RVs are not just bigger than cars. They differ in ways that require additional forms of insurance. RV insurance is more complicated than auto insurance, so working with an agent who will tailor the coverage to your needs is essential. Our Laine Insurance team arranges RV coverage for many Colorado customers, so contact us to experience our outstanding service.

RV and Auto Insurance Compared

Colorado law requires self-powered RVs (Class A, B, and C motorhomes) to carry the same minimum liability insurance coverage as automobiles. Those requirements include:

Bodily injury liability: $25,000 per person and $50,000 per accident
Property liability: $15,000 per accident

Many RV owners carry higher bodily injury liability coverage because RVs carry more people than cars and cause more damage when at fault for an accident. Higher liability coverage protects owners should an accident occur.

RV insurance includes other elements that resemble parts of a home insurance policy. Examples include:

Vacation Liability: Combines bodily injury and property damage coverage for people in and around your RV when it is parked
Personal Property and Attachments: Insures appliances, clothing, and household items in and around your RV
Homeowners Association Fees: Pays RV HOA charges resulting from common area damages
Roadside Assistance: Most auto roadside assistance plans do not cover RVs due to their size
Temporary Lodging: Pays your living expenses while your RV gets repaired while traveling

Insuring Your RV With Laine Insurance

The friendly team at Laine Insurance serves clients throughout the State of Colorado. We will gladly help you obtain the RV or other insurance coverage you need, so stop by the office or call us today at (719) 696-7923.