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Colorado Insurance Blog

Recreational Drone Insurance: Flying with Peace of Mind

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Drones in and around Colorado have become popular recreational gadgets, offering enthusiasts a new perspective from the sky. While drone piloting is an exciting hobby, it comes with inherent risks. 

Understanding the Risks of Recreational Drone Flying

Recreational drone flying involves navigating different environments, from open fields to urban areas. Risks include collisions with obstacles, unexpected weather changes, and the potential for damage to property or injury to people. Recreational drone insurance addresses these risks and protects drone owners from potential liabilities.

Coverage for Drone Damage and Loss

Accidents happen, and drones are susceptible to crashes or malfunctions. Insurance coverage considerations include:

  • Physical Damage Coverage: Protects the drone against damage resulting from collisions, crashes, or other covered perils.
  • Loss Coverage: Addresses the financial impact of losing the drone due to theft or irreparable damage.

Liability Coverage for Third-Party Damages

In crowded areas, the risk of unintentional damage to property or injury to bystanders exists. Liability coverage is essential for:

  • Property Damage Liability: Covers the cost of repairs or replacement for property damaged by the drone.
  • Bodily Injury Liability: Provides financial protection if a person is injured by the drone, covering medical expenses and potential legal costs.

Navigating Policy Options for Recreational Drones

Recreational drone insurance policies offer varying levels of coverage, and drone owners should consider the following:

  • Coverage Limits: Determining the maximum amount the policy will pay in the event of a covered loss.
  • Deductibles: Understanding the out-of-pocket expenses drone owners are responsible for before the insurance coverage kicks in.
  • Exclusions: Reviewing policy exclusions to be aware of situations or scenarios not covered by the insurance.

Integrity First Insurance Can Help You

At Integrity First Insurance, we can help answer questions concerning recreational insurance. We serve the Colorado area. Contact us today. 

Does my Colorado renters insurance protect my expensive electronics and jewelry?

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Colorado condo insurance is almost the same as homeowners insurance. The major difference is that a homeowners policy covers the entire physical building, while the condominium association is responsible for shared common areas. At Integrity First Insurance, we can help you assess your current level of protection so that you know if you have enough protection for your belongings.

What Does Colorado Condo Insurance Cover?

Basically, your condo insurance covers everything within the walls of your condo. That includes your large and small appliances, dishes and pots and pans, carpeting, window treatments, furniture, clothing, televisions, musical equipment and players, books, and other personal items. 

Your policy also provides liability protection in case someone is injured on your property. That protection includes dealing with the other person’s insurance and possible attorney fees if there is a lawsuit. 

Does That Mean Expensive Electronics and Jewelry Are Automatically Covered?

While electronics and jewelry are normally covered, you need to be careful about whether there are certain exclusions. Your policy is a contract and lists what kinds of items are covered and how much coverage you have. If your electronics and jewelry are disproportionately worth a lot, you may not have full coverage.

For instance, say you have a policy limit of $25,000, and you have $20,000 worth of personal items not including your electronics and jewelry. Then say that your electronics and jewelry are worth $50,000. You will come up short if your items are stolen or destroyed.

Consult With Us

You don’t want to find out the hard way that you don’t have the protection you need. At Integrity First Insurance, we can help to make sure that your policy limits are reasonable and help you look for an add-on policy if necessary. Call today if you have any questions. 

Motorcycle Insurance for Vintage Bikes

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Vintage motorcycles hold a very distinctive place in the hearts of Colorado motorcycle aficionados. These classic bikes are more than just metal machines, as they often represent a piece of history and the owner’s labor of love. According to our licensed professionals at Integrity First Insurance, vintage motorcycles have distinct insurance requirements that frequently need tailored insurance coverage.

Why Vintage Motorcycles Need Special Insurance?

Vintage motorcycles are different from their modern counterparts in various ways. So, very often, these vintage bikes need specialized insurance coverage for these reasons-

The Value Typically Appreciates

Unlike new bikes, vintage motorcycles tend to appreciate over time. Traditional policy may not sufficiently cover the classic bike’s rising value.

Many Vintage Bike are Customized.

A vintage motorcycle specialized policy may offer coverage for modifications on the bike.  

Replacement Parts

Replacement parts for vintage bikes can be costly and difficult to find.  

Types of Vintage Motorcycle Insurance

These are the various coverage types –

Agreed Value Coverage

Agreed value coverage sets forth a pre-arranged value for your vintage motorcycle, which remains fixed unless both the insured and insurer agree to modify the value.

Coverage for Customizations/Replacement Parts

Vintage bike lovers often invest in expensive modifications, i.e., painting, exhaust systems, etc., which should be included in the insurance coverage.

It is noted that vintage bikes are typically stored with more care than new bikes ridden daily. If you have special storage provisions – a secure or climate-controlled facility- inform the insurance company of these specialized storage arrangements.

Contact Us Today

Owning a vintage motorcycle is a labor of love, and protecting your investment with the right insurance coverage is crucial. For more information on vintage motorcycle insurance in Colorado, contact us at Integrity First Insurance today.

When is it a good idea to get boat insurance in Colorado?

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Having a boat can be a great idea for those in the state of Colorado. While this state is best known for its mountains, it is also full of rivers and mountains. If you get a boat, you will be able to enjoy all that it has to offer. Along with buying a boat, you should also select an insurance plan.

Getting this coverage is a good idea in various situations. 

Before Taking The Boat Out 

A situation when it is beneficial to get boat insurance is before you take it out for the first time. While most people who own a boat will be safe when using it, there will always be a chance you could make a mistake that results in an accident. If this happens, you will need to cover the damages. If you are insured with a boat insurance plan, you will have the necessary support to be protected in this scenario. 

When Making a Big Investment

When you are looking to buy a boat, you will find the cost of the boat can vary considerably. If you are buying a boat that requires a big investment, it will be very important that you also have a boat insurance plan in place. When you get a full boat insurance policy, it will provide support if the boat is stolen or damaged. This can help ensure your investment is protected. 

Reach Out To Us

For those who are in the state of Colorado, it is very important that you always have a boat insurance policy in place. If you are looking to get coverage here, you should always call our team with Integrity First Insurance. Our professionals at Integrity First Insurance know the value of this coverage and can help you create a plan that offers the necessary support. 

Will My Home Insurance Policy Cover My Newly-Built Fence or Shed?

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As a homeowner, you likely want to make investments to improve your property both for you and maybe further down the line when you’re looking to sell. One common improvement Colorado homeowners make is to add structures like fences and sheds to their property. However, did you know that such structures are not always covered under a home insurance policy?

Here are the types of coverage you need to check for to see if such structures are included under your home insurance policy:

Coverage You Need to Insure a Newly-Built Fence, Shed, or Similar Yard Structure

  • Dwelling Coverage and Structures. Most standard policies have this at the center of their coverage, however, they may only include attached structures, such as a garage that was built with the home. This is the first part of your policy you should review with a knowledgeable agent like ours at Integrity First Insurance to ensure it also includes either automatic coverage for detached structures or limited coverage. 
  • Coverage Enhancements. If your standard home insurance policy doesn’t include detached structures, consider enhancing your coverage via an endorsement or rider. This will add a few dollars to your premium but can go a long way to giving you the assurance that your whole property is protected.
  • Umbrella Insurance. A third option to ensure your detached structures are insured is to purchase umbrella insurance, which is a type of insurance that is incredibly flexible and will offer a payout in the event of an existing policy (the home insurance in this case) doesn’t fully cover an accident. 

Learn More About Your Insurance Options With Integrity First Insurance

Whatever your Colorado insurance goals, our team at Integrity First Insurance is here to help. Contact us today and let our team go over your options and get you the best policy coverage for your household needs. 

The Significance of Property Insurance

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As a Colorado business owner, you have invested significant time, energy, and money into making your business successful. Securing property insurance is one of the most important steps to safeguard your business investment. Integrity First Insurance explores the significance of property insurance for businesses.

Why Property Insurance

Perils such as fire, theft, or natural disasters can significantly impact businesses. If business property is damaged or destroyed, it could lead to the loss of valuable stock, equipment, and data, interrupting business operations and leading to financial losses.

This is where property insurance comes to the rescue. Property insurance is a type of insurance that covers businesses and their physical properties against unforeseen damage. The insurance policy covers repair or replacement costs, ensuring the business can continue operations without significant disruption. 

Most insurance policies cover damage caused by perils such as fires, storms, theft, explosions, or vandalism. These policies protect the building structure and its contents, such as furniture, equipment, machinery, and inventory. Depending on the type of insurance policy, it may even cover damage to the exterior elements of the building, like signage and landscaping. 

Property insurance is important for physical properties owned by a business and properties leased or rented. If a business rents or leases a property and it is damaged, property insurance covers the cost of the loss or damages, protecting both the business and the homeowner. However, they could be at risk if the business owner mistakenly assumes that the homeowner insurance will cover any damages to their leased or rented building.

Reach Out To Us

Property insurance is a must-have for businesses in Colorado. It acts as a safety net, allowing business owners to focus on running their businesses while protecting their physical assets. Contact Integrity First Insurance to protect your business investments with property insurance.

Does Classic Car Insurance Cover My Vehicle at Shows?

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At Integrity First Insurance, we understand classic cars are a prized possession for many owners. As a result, we often get asked, "Does classic car insurance cover my vehicle at shows outside of Colorado?" We want to answer that question for you.

What is Classic Car Insurance?

Classic car insurance is a specialized coverage designed for vintage or classic cars that are a certain number of years old. This can vary from 15 to 20 depending on the carrier. It’s different from standard auto insurance because classic cars are typically driven less and maintained with care.

Is Your Vehicle Covered at Car Shows?

Usually, classic car insurance policies will cover your vehicle at car shows. These policies typically cover your vehicle while it’s parked or on display, but it’s essential to review your policy to understand what’s covered.

What if an Incident Occurs at a Car Show?

While car shows can be a great way to display your classic car, theft or damage is always risky. You can protect your valuable investment with the proper coverage. In the unfortunate occurrence of an accident or damage to your vehicle at a car show, your classic car insurance policy should cover the damage. Most policies include collision and comprehensive coverage that cover damages caused by others, natural disasters, theft, and more.

Reach Out To Us

Colorado classic car insurance policies typically cover vehicles at car shows because they understand the value and importance of classic cars. As an insurance company specializing in classic car coverage for years, we advise you to review your policy to ensure adequate coverage and consider additional coverage for precious vehicles. Our team at Integrity First Insurance is always available to answer your questions—please get in touch with us to learn more.

Does Classic Car Insurance Cover My Vehicle at Shows?

Posted on by admin

At Integrity First Insurance, we understand classic cars are a prized possession for many owners. As a result, we often get asked, "Does classic car insurance cover my vehicle at shows outside of Colorado?" We want to answer that question for you.

What is Classic Car Insurance?

Classic car insurance is a specialized coverage designed for vintage or classic cars that are a certain number of years old. This can vary from 15 to 20 depending on the carrier. It’s different from standard auto insurance because classic cars are typically driven less and maintained with care.

Is Your Vehicle Covered at Car Shows?

Usually, classic car insurance policies will cover your vehicle at car shows. These policies typically cover your vehicle while it’s parked or on display, but it’s essential to review your policy to understand what’s covered.

What if an Incident Occurs at a Car Show?

While car shows can be a great way to display your classic car, theft or damage is always risky. You can protect your valuable investment with the proper coverage. In the unfortunate occurrence of an accident or damage to your vehicle at a car show, your classic car insurance policy should cover the damage. Most policies include collision and comprehensive coverage that cover damages caused by others, natural disasters, theft, and more.

Reach Out To Us

Colorado classic car insurance policies typically cover vehicles at car shows because they understand the value and importance of classic cars. As an insurance company specializing in classic car coverage for years, we advise you to review your policy to ensure adequate coverage and consider additional coverage for precious vehicles. Our team at Integrity First Insurance is always available to answer your questions—please get in touch with us to learn more.

Why should I get recreational insurance in Colorado?

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The state of Colorado can be a fun place to live as the local mountains provide a lot of recreational activities. If you are looking to have fun here, investing in a recreational toy or asset is a good idea. When you get one of these, having insurance is also important. There are many reasons why you should obtain this coverage here. 

Ensure Asset is Covered

An important reason to have a recreational insurance plan when in this state is so you can ensure the recreational asset is covered. While these toys and assets are to be used for fun and recreation, they still take a big purchase, and you will want to know the investment is protected. The best way this can be done is by getting insurance as it will offset financial risks associated with a variety of issues that could result in a loss. 

Reduce Liability Risks

It is also helpful to have this insurance to reduce your liability risks. If you use a recreation toy or asset, you will be running the risk that you cause an accident that results in damage. Fortunately, if you have insurance, you will have the support you need to cover these damages. This can prove to be a very helpful form of support moving forward. 

Reach Out To Us

If you are looking for a new recreational insurance plan and are in the state of Colorado, it would be helpful to start your search by calling our team with Integrity First Insurance. There are a lot of big choices to make when looking for coverage, and our team with Integrity First Insurance will offer the guidance you need to build a new plan. This can help ensure you remain appropriately covered and that your asset is insured the right way. 

Fire-wise landscaping tips

Posted on by Alexa Steffes

Making a Case for a Fire-Wise Landscape


You’ve heard all about the record dry weather across the country, and you’ve probably heard about the increased threat of wildfires, too. But, have you considered the fire risk of your own landscaping?

While there’s no such thing as a “fire-proof” plant, you can make your property safer while still maintaining its appeal. Here’s how:

  • Within 30 feet of your home, less is more.
    In the event of a fire, firefighters need room to work, so space plants widely, and choose low-growing ones. Keep your grass mowed low, and don’t use mulches that burn easily, such as pine bark.

  • Be choosey about your plants.
    According to the California Department of Fire and Forestry Protection, plants that contain a lot of moisture and aren’t resinous are good choices for a fire-wise landscape. As a bonus, many of these will also be drought-resistant. Although the options in your area may vary, here are some general recommendations:
    • Plants: Rockrose, aloe and iceplant
    • Shrubs: Sumac, cotoneaster, currant, hedging roses and bush honeysuckles
    • Trees: Hardwoods, such as maple, poplar and cherry

  • Not everything has to be natural.
    Gravel and rock features, such as stone pathways, can help slow fires. And, colorful garden art and containers can help you add visual appeal.

  • Plant at the right time.
    This varies depending on your region, but typically you want to avoid extreme temperatures on either end of the thermometer. Your local county extension service or nursery can help with options that work well in your area.

Remember, how and where you plant is more important than what you plant. So, try to imagine a fire on your property (we know it’s a rather unpleasant thought). Is there natural fuel that would make it worse? Could it easily spread from the ground to your trees to your roof?

If you’re unsure or if the answers indicate your property has a high fire risk, consider making some changes. Of course, we’re here to keep your homeowners insurance up to date in case anything were to happen. Please call us any time to check on your coverage. We’re here for you.

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