Home
Insurance
  • The structure of your home

  • Replacement costs

  • Personal possessions (up to a set limit)

  • Living expenses in case of a disaster

  • Liability

 

Homeowner’s coverage doesn’t have to be difficult to understand. A basic Homeowners Insurance Policy will cover the following:

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies

         (i.e. Jewelry Insurance)

  •  Flood policies

  •  Umbrella policies (additional liability coverage)

Life
Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • Term Life Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and un-bundled pricing structure. The savings portion, premiums and death benefit can be reviewed and changed as circumstances change.

DON'T LET A CLAIM RAIN ON YOUR PARADE.

Request a Free Personal

Insurance Quote 

INSURANCE

HOURS & LOCATION
Location

732 S. Lemay Ave Suite B,

Fort Collins, CO 80524

Tel: 970-999-0101

Hours

Monday - Friday 

9:00 am to 5:00 pm

Saturday by Phone or Appointment

 

Evenings by Appointment

Contact
  • Classic Car Insurance – Your classic car is a piece of history. Insure it well.

  • Auto Insurance – Get the right insurance coverage for your car, truck, van or

       other vehicles.

  • Motorcycle Insurance – Ride safe and insure your motorcycle.

  • ATV and Motorsport Insurance – Insurance policies that cover all your toys.

 

The insurance protection you need when you’re on the move:

Car
Insurance
Commercial
Insurance

The insurance you need to protect your business as you grow your empire.

Shopping for small business insurance can be confusing. Our team of insurance professionals provides free guidance every step of the way, from helping you choose your first policy to adding critical coverage as your business grows. Not sure what type of policy you need? You're not alone; we're here to help.

  • General Liability Insurance provides coverage for customer injuries,  property damage, and lawsuits relating to both. It can help pay for medical expenses as well as legal costs. This is usually the first policy small-business owners purchase because they often need it to sign contracts with client.

  • Professional Liability Insurance is a common policy for doctors, lawyers, IT consultants, architects, engineers, and other professionals. This coverage can protect your business from lawsuits filed for potential work mistakes, undelivered services, and negligent services.

  • A Business Owner's Policy (BOP) is an affordable insurance package for small businesses that bundles General Liability Insurance and Commercial Property Insurance. BOP Insurance protects your business by covering some of the most common risks it faces.

  • Workers' Compensation Insurance can pay for three things when an employee is injured at work: medical bills, recovery costs, and partially missed wages. If an employee dies, Workers' Comp can cover funeral costs and benefits to the worker's family. Depending on state laws and contract requirements, you may need this policy to cover employees, contractors, freelancers, or even yourself.

Medicare
Insurance

Turning 65 and becoming eligible for Medicare can be a confusing time for many. What Exactly is Medicare? Are all plans the same? What are my options?

  • Important Questions to help you identify the right insurance plan:

    • Are you turning 65?​

    • Are you eligible for Medicare?

    • Are you still working and eligible for Medicare?

    • Does your employer offer coverage?

  • Important Facts to help you understand your options:

    • Medicare Advantage vs. Medicare Supplements​

    • Cost to you

    • Type of coverage you need

    • Covered Prescription Drugs/Doctors Visits

BOAT, MOTORCYCLE & TOY INSURANCE

Boat and Watercraft Insurance – Insurance coverage for the ship and its captain.

  • On the open water? Protect yourself from rough seas attacking your boat or jet ski.

  • Having motorcycle insurance coverage benefits you, your bike and others on the road. We insure most types of motorcycles including: sport bikes, cruisers, touring bikes, Enduros, scooters, dirt bikes, trikes and some custom bikes.

  • Boat and toy insurance policies can vary in what they do and do not cover based on a number of considerations, including the type of boat, the waters it will travel, and how many months of the year the watercraft will be used. Still, there are a few basic kinds of coverage you can expect to receive, as well as some potential discounts for safe boaters.

Workers' Compensation Insurance
FARM & RANCH INSURANCE

Modern day agricultural operations are complex and come in all shapes and sizes.  Choose a local insurance agency that is willing to “dig in” to yours.  We offer coverage through some of the nation’s largest and most respected farm and ranch insurers to protect you and your family.

  • We can help you find coverage for small acreages to large production and grow operations.

  • Protection for your home and dwellings on the property (similar to a homeowners policy).

  • Coverage for your property, equipment, machinery and buildings.

  • Liability Coverage to protect your business.

  • Help with Risk Management and Loss Control practices to keep your operation running smoothly.

  • Local agents who are here to help as your operation grows, changes and if you every have a claim.  We stand by our farmers when it matters so you can focus on your business.

Renters
Insurance

Protects you and your valuables and can help replace stolen or damaged property while you're renting whether it’s a home, apartment, condo etc.

  • Renters Insurance can protect your personal property and the cost you may incur to replace your belongings such as clothing, furniture and electronics.

  • It can also protect you from liability claims and can cover repairs if you accidentally damage someone else’s property or a guest’s medical bills if you are found responsible for injuries sustained.

  • Renters policies may also cover additional costs like hotel bills if your home that you rent is damaged or uninhabitable.

Contact our Licensed Medicare Agent Terry Danielson at:

 970-214-0173 or TDANIELSON@INSURANCEAAI.COM

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