A tree branch fell on my motorcycle. Will motorcycle insurance pay for the repairs?

Motorcycle insurance can provide protection for many unforeseen events. It works similarly to auto insurance, providing liability protection and more, depending on your coverage. Our team at Compass Insurance in Centennial, CO is committed to helping motorcycle owners get the coverage they need.

What is Motorcycle Insurance?

Motorcycle insurance is designed to protect you, other drivers, and your motorcycle, in addition to other things. However, what’s covered by a motorcycle insurance policy will depend heavily on your coverage. Most states require all motorcycle drivers to carry liability coverage at levels that meet the state minimum requirements. Liability coverage provides protection and coverage for other drivers, their property, and their motorcycle if you’re found at fault for an accident. It doesn’t offer any coverage for you, your bike, or your property. You need to purchase coverage that will pay for the repair, replacement, or medical bills you may incur if you have a motorcycle accident if you’re interested in this type of coverage. 

Will my insurance cover my motorcycle’s repair if a tree branch damages it?

Liability coverage can’t be used to pay for the repair of your motorcycle. However, comprehensive coverage can. Comprehensive coverage can be used to pay for the repair or replacement of your motorcycle if it’s damaged by a non-collision or moving incident or accident. This type of coverage protects your motorcycle from theft, vandalism, and a host of other situations that don’t involve a collision. If you have questions regarding motorcycle insurance, call us. We’d be happy to take the confusion out of motorcycle insurance and help you find the best coverage for you. 

What Are Some Tips For Shopping For Toy Insurance?

Regarding toy insurance, knowing what you’re looking for is essential. Not all policies are created equal, and there are a few things you’ll want to ensure are included in your policy. Toy insurance covers recreational vehicles such as motorcycles, ATVs, snowmobiles, and jet skis. It’s important to have toy insurance because these vehicles are expensive to replace and can also be dangerous. Compass Insurance in Centennial, CO offers a few tips for shopping for toy insurance.

The Type of Vehicle You’re Insuring

One of the first things you’ll want to consider is what type of vehicle you’re insuring. Different types of vehicles will require different coverage. For example, if you’re insuring a motorcycle, you’ll need to ensure your policy covers bodily injury and property damage. If you’re insuring an ATV, on the other hand, you’ll need to make sure your policy covers both collision and comprehensive coverage.

The Value of Your Vehicle

Another thing to consider is the value of your vehicle. You’ll want to ensure adequate coverage if you have a high-value car. You don’t want to be underinsured and must pay out of pocket if your vehicle is totaled or stolen.

The Type of Use

The type of use will also affect your coverage. If you use your vehicle for racing or other competitive activities, you’ll need to ensure your policy covers those activities.

The Location

The location of where you’ll be using your vehicle is also important. If you live in an area with a lot of crime, you’ll want to ensure your policy covers theft. If you live in an area with many natural disasters, you’ll want to ensure your policy covers those as well.


Shopping for toy insurance can be a bit overwhelming, but ensuring you have the right coverage for your needs is essential. Compass Insurance offers a few tips for shopping for toy insurance and can help you find the right policy for your needs. Give us a call today to get started or visit our offices in Centennial, CO.

Making the Most Of Recreational Toy Ownership

Recreational vehicles such as four-wheelers, jet skis, dirt bikes and more, are a great way to have fun and enjoy time with friends and family. In order to make the most of your ownership though, you will want to make sure you are making smart choices. At Compass Insurance serving Centennial, CO, we want to help our clients make the best decisions concerning their recreational toys and insurance. Keep reading to learn more.

Stay Insured

Even if you live in an area that does not require insurance on recreational vehicles and toys, it is always a smart investment to keep these items covered. Recreational vehicles do carry with them certain risk factors. Accidents can happen involving you, anyone you allow to use the vehicle, and others. These types of accidents can result in costly repairs, medical bills, and even legal fees if someone is hurt because of your vehicle. In order to protect yourself from these types of expenses, you will want to have sufficient insurance in place. 

Practice Good Safety

Even though your recreational toys are for fun, it is very important that you and all people using vehicles are trained on how to use them safely. You should invest in a safety course for your particular recreational toy and then make sure you pass on safety guidelines to anyone you allow to use the vehicle. 

If you would like to learn more about recreational toy insurance or any of our other insurance services, please contact us at Compass Insurance, serving Centennial, CO and the surrounding areas. We will be happy to answer your insurance questions today. 

Top 3 Safety Tips for Bikers

Bike ownership can be a lot of fun, but in order to make the most of the motorcycle experience, you also want to practice the best safety habits. At Compass Insurance serving Centennial, CO and the surrounding areas, we want to help clients make the most of motorcycle ownership. Keep reading to learn the top 3 safety tips for bikers. 

Keep A Check on Weather 

Driving a motorcycle is vastly different from driving a regular vehicle. Because you are exposed to the elements while riding, it is imperative that you always check the weather before heading out. You should also plan for weather changes as the day progresses. Even if the weather is going to be great in the morning, you don’t want to get caught by bad weather later in the day. Driving in less than ideal weather conditions can greatly increase your chances of an accident. 

Maintain a Safe Distance 

Because a motorcycle is so much smaller than a regular vehicle, there is often a temptation to move into small spaces while riding in traffic. You should always keep a safe distance from other vehicles. Maintaining a safe distance increases your reaction time and thus decreases the chances of a serious accident. 

Always Wear The Appropriate Gear

Motorcycle gear is designed to protect you while riding. Helmets, riding pants, and other bike gear can greatly decrease your chances of severe injuries in the event that you are in an accident. 

If you would like to learn about motorcycle insurance or any of our other insurance products, please contact us at Compass Insurance serving Centennial, CO and the surrounding areas.  

Top 3 Safety Tips for Boat Owners

Boat ownership can bring a lot of joy and excitement to your life. Understanding how to operate your boat in the safest way possible will ensure that you always get the most out of your boat ownership. At Compass Insurance serving Centennial, CO and the surrounding areas, we make it our aim to provide our clients and future clients with solid safety information so that they can make good choices with their boats and watercraft. Keep reading to learn the top 3 safety tips for boat owners. 

Take a Boating Course

Although taking a boating course is not required in most places in order to operate a boat, it is still a great way to increase the safety of your boat and decrease the risk of accidents and injuries. Some boat insurance policies also offer discounts for those who have completed a safety course. 

Insist on Life Jackets

It is imperative that you insist that life jackets be used by anyone using or visiting your boat if they are not strong swimmers. Remember, if you are the boat owner, then the burden of responsibility falls on you for the safety of anyone on your boat. The best policy is to always have life jackets available for all passengers. 

Stay Fully Insured

Even if you are operating your boat in an area that does not require boat insurance, keeping yourself insured protects you from many financial dangers. If someone is injured on your boat or because of your boat, you could be held liable. Insurance will protect you from this. 

If you would like to learn more about boat insurance, or any of our other insurance services, please contact us at Compass Insurance serving Centennial, CO and the surrounding areas. 

Should all people in Colorado get toy insurance?

The Centennial, CO area continues to be a popular community for people to move to. While it is close to a major city, there is always appealing proximity to the local foothills and mountains. To experience the area as much as possible, investing in recreational toys is common. For those that are in this area, getting a proper toy insurance plan is a good idea. There are various reasons people should obtain this coverage.

Receive Coverage for Asset

A primary reason to obtain toy insurance is so you can receive coverage for your asset. If you decide to invest in a recreational toy, it will be something that you will want to use for a long time. Unfortunately, there is always a risk that your toy could be damaged in an accident or stolen. If you invest in toy insurance, you will get the support and protection needed to offset these risks.

Minimize Liability Risk

You also should consider getting toy insurance to minimize your liability risk. No matter how safe and experienced you are, there is going to be a chance that you could cause damage when using the recreational toy. Your toy insurance plan will include coverage that can help to offset this risk. Ultimately, this can help to minimize your personal expense if you are held responsible for an accident. 

If you have purchased a recreational toy in Centennial, CO, getting coverage for it is a top priority. When looking for insurance, you can get all the support that you need by speaking with Compass Insurance. The team with Compass Insurance understands the unique needs that recreational toy owners have. They can help ensure you get a proper plan by evaluating your situation and giving the guidance you need along the way. 

Top 3 Ways To Decrease Motorcycle Accident Risks

Motorcycle ownership can be exciting, but also dangerous. Wrecks involving motorcycles often carry a greater risk of injury for both riders and passengers in other vehicles. Motorcycle owners should take every step they can to decrease motorcycle accident risks. At Compass Insurance, serving Centennial, CO, we want to help you make the most of your motorcycle ownership. Keep reading to learn the top 3 ways you can decrease motorcycle accident risks. 

Take a Bike Safety Course

Bike safety courses are designed to train motorcycle owners in the best ways to stay safe while riding. Driving a motorcycle differs greatly from driving any other type of vehicle. You will want this specialized training in order to keep yourself and other drivers on the road safe. In some cases, you can even get insurance discounts if you have completed a safety course. 

Wear A Helmet 

Some states do not require protective motorcycle helmets. Even if you are riding somewhere that does not legally require this safety equipment, it is always smart to wear one. Wearing a helmet will greatly decrease your chances of a brain injury should you have a wreck. Even a minor wreck can result in brain injury if you are unprotected. 

Stay Fully Insured

You will want to make sure you have sufficient insurance coverage for yourself and your bike. It is imperative for your financial security that you be covered in the event of an accident. Motorcycle accidents can sometimes result in costly expenses. Paying these out of pocket could leave you financially vulnerable. 

If you would like to learn more about motorcycle insurance or any of our other insurance products, please contact us at Compass Insurance serving Centennial, CO and the surrounding areas. 

Types of Boat Insurance

If you have a boat, you are going to need to have insurance for it. You are going to want to make sure that you and your family are protected, just in case anything happens. 

That being said, there are many parts and types of boat insurance. Here are some of the most common types.

Physical damage insurance covers damage to the boat and what is on it. This includes the engine, sails, and your personal property. 

Liability insurance will protect you in case someone else is injured on your boat. This can include bodily injury, loss of life, and damage to anyone’s property. It will also cover legal fees if you are sued over an accident. 

Personal property insurance covers the personal things that you had on your boat, such as clothing and even your fishing equipment. 

Emergency towing and assistance coverage will pay any fees that you need if you require emergency assistance while you are out on your boat. This can include towing, delivery of fuel or parts, and much more. 

Uninsured boater coverage is similar to uninsured and underinsured automobile insurance. Since boat insurance isn’t necessary, it will protect you if you get in an accident with someone who doesn’t have any insurance for their boat. 

You are going to want to have some sort of policy for your boat, just in case you are in an accident. Most policies cover physical damage and liability, though you may want to get some more insurance to protect yourself. You may want to look into personal property insurance and emergency towing and assistance coverage. 

If you want to make sure that you have enough insurance for your boat in Centennial, CO, contact us today at Compass Insurance. 

Protection for you and your boat

Adventures on the water can be so much fun, and it is great if you live near water to take advantage of this if you own a boat. Boats are a great thing to have in your life and can be used for so many different things. At the same time, it is really important that your boat gives you enjoyment and pleasure and does not cause additional stress and financial hardship. 

To do that, you should look into boat insurance. Boat insurance can cover you in the nastiest situations. Compass Insurance in Centennial, CO can help you navigate boat insurance quotes. 

Boat accidents

If you and your boat are involved in an accident, you could be liable for the costs of your boat, and you’d want accident cover to help with the costs of any repairs. In addition, you could also be liable for physical harm done to others on your boat or on the boat you are in an accident with. These people might need you to cover their medical bills or, in severe cases, sue you. 


Not just your boat can get stolen. While you should insure your boat against theft, it is also possible that someone breaks into your boat and steals items you have left on your boat. The costs to cover these items can sometimes be a lot, so theft is a great add-on to your boat insurance policy. 

If you feel ready to discuss boat insurance, or even if you just want to have the first conversation about it, search no further. Compass Insurance in Centennial, CO can help you. Feel free to call us, too.

What Does Toy Insurance Protect for Colorado Residents?

Colorado is one of the most beautiful places in the world – the sights and views are gorgeous, the seasons are something to experience firsthand, and there are so many breathtaking hikes, skiing and snowboarding, and the great outdoors to enjoy every single day. For those in Centennial, CO that have some type of recreational toy, you know what we’re talking about. 

At Compass Insurance, we’re big proponents of investing in quality toy insurance to insure your recreational vehicles are just as protected as your home, vehicle, commercial business, and other personal assets. 

Recreational toys aren’t necessarily cheap, even if you’re buying used. Don’t spend a large sum of money on a toy and fail to invest in protection for that vehicle, even if you only use it during certain months in Colorado. 

This type of insurance protects your toy in the event that it gets damaged or destroyed during use or while being stored. 

There are also liability insurance options that protect you in an accident that you are at fault for. The damage that you cause in an accident will be covered by liability coverage. 

Whether you’re purchasing a boat, RV, ATV, or any other recreational vehicle – stay proactive and make sure you’re properly insured so you can get outside and enjoy your new toy. The great outdoors is waiting!

If you own or have plans to own a recreational vehicle in Centennial, CO, Compass Insurance can assist you with finding the plan and coverage that works for you. Our team is well-versed in toy insurance and can give you the peace of mind you need that your investment vehicle is protected.