Name: Avalue Insurance
Address: 7700 E Arapahoe Rd., Ste. 330, Centennial, CO, 80112
Telephone: 303-773-3332

We Just Raised $5,000 for CrossPurpose

Posted on August 20, 2024August 20, 2024 by Emilie Hagopian

(And You Can Help Us Raise More)

Many of you know me as “Sarah Lampard, the proud owner of Avalue Insurance and passionate CrossPurpose volunteer.” But today, I’m coming to you as “Sarah Lampard, the woman who really needs your support right now.”

See, “giving back” is something that I take very seriously, and right now, we are on the cusp of raising $10,000 for CrossPurpose. We just need your support to make it happen, and all it takes is a couple of clicks! Vote for Avalue Insurance at https://www.agentgiving.com/Avalue-Insurance/, and help us reach our goal for CrossPurpose!

What is CrossPurpose?

CrossPurpose has been a transformative force in central Colorado for many years. This ambitious non profit organization is committed to abolishing relational, economic, and spiritual poverty through career and community development. Avalue Insurance has been deeply involved with CrossPurpose (and our entire office even had the opportunity to sponsor and work the graduation program that took place at the South Denver location this past May)!

As a mentor, I’ve had the privilege of walking alongside many inspiring men and women. I’ve watched so many participants rise above their circumstances, achieve their career goals, and transform their lives. And I’ve got to tell you: I can’t wait to see many more!

That’s why I’m committed to doubling my impact for CrossPurpose.

We Just Hit our First Goal!

Recently, Avalue Insurance was honored with the 2024 Make More Happen Award, presented by Liberty Mutual and Safeco Insurance. This award was more than just a recognition of our volunteer work; it was an opportunity to make a real difference in our community. As part of this award, Liberty Mutual and Safeco Insurance awarded CrossPurpose, our nonprofit of choice, with a $5,000 donation.

But Now, We’re on a Mission to Double It.

Here’s where we really need your help: we have the chance to double that donation to $10,000, and all it takes is a few clicks!

Avalue Insurance is currently being featured on the official Make More Happen microsite. If we receive at least 500 votes and comments on our story, Liberty Mutual and Safeco will double their donation to $10,000! This additional funding will go directly towards covering the tuition costs for CrossPurpose participants. These funds will help them gain industry-recognized certifications in fields like commercial driving, nursing, insurance, and trade skills, setting them on a path toward stable, career-track employment. (I can’t emphasize enough how life-changing this support will be for the men and women involved!)

Voting is simple and only takes a minute, but the impact you’ll have is long-lasting. Your support will help thousands of aspiring entrepreneurs gain access to the training and certifications they’ll need to build brighter futures for themselves and for their families.

So, Can We Make it Happen?

The suspense is killing me!

I’m so proud of the work we’ve done so far, but we’re not done yet. We’ve reached our first goal of raising $5,000, and now we’re aiming to hit that second $5,000 mark. Every vote and comment on our story brings us closer to making that happen. So please, take a moment to visit our story on the Make More Happen microsite, cast your vote, and leave a comment. Together, we can double the impact of this donation and empower the next generation of entrepreneurs in Colorado.

Thank you so much for your continued support! To help us reach our goal, please vote for us here:

Lifting up the business leaders of tomorrow

The Best Coverage for Road Tips

Posted on August 12, 2024August 12, 2024 by Emilie Hagopian

Ensuring a Safe and Insured Adventure

Ah, the open road! There’s nothing quite like the feeling of freedom that comes with hitting the highway for a summer road trip. Before the autumn leaves start falling, it’s time to pack your bags, fill up the gas tank, and, most importantly, make sure your insurance is ready to roll with you. Let’s dive into the types of auto insurance coverage you’ll need to enjoy a great summer road trip without turning it into a comedy of errors.

General Liability Coverage: A Road Trip Essential

First things first, let’s talk about general liability coverage. This is the backbone of your auto insurance policy, covering you if you’re responsible for causing injury to others or damaging someone else’s property. Think of it as your safety net for those “Oops, I didn’t see that stop sign” moments. It keeps your wallet intact while you keep your eyes on the road and your hands on the wheel.

Collision Coverage: When Bumps in the Road Aren’t Metaphorical

Next up is collision coverage. Picture this: you decide to make a pit stop when suddenly, a rogue shopping cart comes out of nowhere. Boom! Collision coverage helps pay for the damages to your car, whether you hit another vehicle (or that shopping cart had a mind of its own).

Theft Coverage: Keeping Your Ride Secure

As you travel through different states and towns, you’ll want to ensure your car is protected from any native thieves. Theft coverage will cover the costs if your vehicle is stolen. So, lock your doors, hide your valuables, and sleep soundly knowing that your theft coverage will you’re your back.

Coverage for Animal Damage: When Wildlife Gets a Little Too Friendly

Speaking of unexpected encounters, what if Bambi decides to introduce himself to your front bumper? Animal damage coverage has you covered for any wildlife encounters that go beyond a friendly wave. From deer to raccoons, this coverage ensures you’re not left footing the bill after an unplanned wildlife meet-and-greet.

Roadside Assistance: Your Road Trip Savior

Flat tire? Dead battery? Run out of gas in the middle of nowhere? Roadside assistance can help. With a simple call, help is on the way, ensuring you’re back on the road faster than you can say “roadside rescue.”

Underinsured/Uninsured Motorist Insurance: Protection Against the Unprepared

You’d be surprised how many motorists are underinsured, or even completely uninsured! Trust us: the last thing you want to deal with on a road trip is an unexpected hit-and-run and out-of-pocket expenses. Underinsured/uninsured motorist insurance protects you when someone without enough coverage (or any at all) crashes into you. You’ll be fully covered, even if the other driver was not.

Rental Reimbursement Policies: Keep the Adventure Rolling

If your car needs repairs due to a covered loss, rental reimbursement ensures you’re not stuck on the side of the road watching the fun drive by. This coverage helps pay for a rental car while yours is in the shop, so you can keep the adventure rolling without missing a beat.

Ready, Set, Road Trip!

Before you embark on your summer adventure, make sure your insurance is ready for every twist and turn. From protecting against wildlife and rogue shopping carts to roadside assistance for those unexpected circumstances, these coverage options will keep your road trip smooth and stress-free.

At Avalue Insurance, we’re here to help you find the perfect coverage for your summer adventures. We’ll make sure your road trips are fun, full of memories, and mostly importantly, fully insured. Contact us today to get started! You can give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a call-back right here online!

9 Surprising Things You Didn’t Know Were Insurable

Posted on July 19, 2024July 19, 2024 by Emilie Hagopian

When you think about insurance, the usual suspects come to mind: cars, homes, health, maybe even your smartphone. But did you know there are some pretty surprising things out there that people have taken out insurance policies for? Yep, insurance isn’t just for the obvious stuff. Here are some of the most unexpected and quirky things people have insured.

1). Celebrity Body Parts

This one might sound bizarre, but it’s true! Celebrities often insure their body parts. Take, for example, soccer legend David Beckham, who insured his legs for a whopping $195 million. Then there’s singer Mariah Carey, who insured her vocal cords for $35 million and even her legs for another $35 million. It’s all about protecting what brings in the big bucks!

2). Taste Buds

Top food critics and wine tasters sometimes insure their taste buds. It’s their livelihood, after all. Insurance for a professional taster’s taste buds can run into the millions. Imagine the stress of losing the ability to taste when your career depends on it!

3). Fantasy Football

For the die-hard fantasy football fans, there’s insurance to cover the cost of their league fees if a star player gets injured. This can save you from financial heartbreak if your number one draft pick goes down in the first game of the season.

4). Lottery Wins

Some companies take out insurance policies to cover lottery wins in employee syndicates. This way, if a group of employees hits the jackpot and decides to quit, the company isn’t left in the lurch trying to replace everyone at once.

5). Beards and Mustaches

A beard insurance policy might sound like a joke, but it’s a real thing. For example, members of the facial hair club might insure their prized beards and mustaches. And it’s not just for looks; professional Santa Clauses and actors whose roles depend on their facial hair might also insure their whiskers.

6). Weddings

Of course, we all know that weddings can be expensive, but did you know you can insure the entire event? Wedding insurance can cover everything from a ruined dress to a no-show vendor, or even if the bride or groom gets cold feet and cancels the big day. It’s all about making sure your special day doesn’t turn into a financial nightmare.

7). Hole-in-One

Golf tournaments often offer big prizes for a hole-in-one. The sponsors of these prizes don’t want to foot the bill themselves, so they take out insurance policies. That way, if someone does get that perfect shot, the insurance company covers the cost of the prize, whether it’s a luxury car or a cash prize.

8). Voices

If you’re a professional voice artist, singer, or even a public speaker, insuring your voice is a smart move. It’s the same concept as athletes insuring their legs. If something happens to your vocal cords, insurance can provide financial support while you recover.

9). Espresso Machines

This one might seem a little mundane compared to beards and lottery wins, but high-end coffee shops often insure their espresso machines. These machines can be incredibly expensive, and any downtime can mean lost revenue.

Ready to Cover Your Bases?

Insurance isn’t just for the standard stuff; there’s a policy for almost anything you can think of. So, if you have something unique or valuable that you want to protect, it might be worth looking into some unexpected insurance options.

At Avalue Insurance, we offer a wide variety of insurance policies. From life insurance to business insurance, we’ve got you covered. And while we can’t insure your prized beard or your fantasy football team, we can help you protect the things that matter most to you and your family! Contact us today to explore your insurance options!

How Commercial Insurance Can Save Your Business from Financial Crisis

Posted on July 19, 2024July 5, 2024 by admin

Conducting business in Centennial, CO, presents its fair share of risks and uncertainties. Fortunately, acquiring commercial insurance can be a game-changer for your business. This essential safety net can keep your business afloat in challenging times, especially during a financial crisis. Let’s delve into how commercial insurance can play a crucial role in these situations.

Unexpected Property Damage

Whether due to natural disasters or accidents, sudden property damage can severely impact your business finances. Commercial insurance helps cover the costs of such unforeseen repairs or replacements, sparing your business from significant out-of-pocket expenses.

Liability Claims

In today’s litigious society, a single liability claim can derail your business and lead to sizable financial losses. Commercial liability insurance helps shoulder the financial burden resulting from such claims, notably legal defense costs, judgments, or settlements.

Business Interruption

Certain unforeseen events can halt your business operations, leading to loss of income. Here, business interruption insurance, a common inclusion in commercial insurance policies, compensates for lost revenues, thereby safeguarding your business during a financial dip.

Employee Injuries

If an employee suffers a work-related injury or illness, workers’ compensation insurance helps cover medical expenses and wage replacement. This coverage, part of most commercial insurance policies, thus protects your business from potential financial strain.

In conclusion, commercial insurance can be a lifesaver for your business during a financial crisis, covering a plethora of risk scenarios. By leveraging its benefits, businesses in Centennial, CO, can navigate through challenging times and protect their long-term financial health.

Do New Parents Need Life Insurance?

Posted on July 12, 2024July 12, 2024 by Emilie Hagopian

It’s Never Too Early to Start Planning for Your Baby’s Future!

First off, congratulations on the newest addition to your family! As you navigate the sleepless nights, endless diaper changes, and countless baby giggles, there’s something else you might need to think about: life insurance. And while it doesn’t sound nearly as exciting as picking out cute onesies or planning the first birthday party, it could be one of the most important decisions you’ll ever make for your baby’s future. And hey, it’s never too early to start planning for their future, right?

So, let’s talk about why new parents need life insurance and how you can get started right away. And don’t worry; it’s quick and easy, so you’ll be finished before the baby wakes up!

Why New Parents Need Life Insurance

Becoming a parent changes everything. Suddenly, you’re responsible for this tiny human, and you want to make sure that they’re taken care of no matter what. That’s where life insurance comes in. Here are a few reasons why it’s crucial for new parents:

Financial Security for Your Child: In the unfortunate event that something happens to you, life insurance can provide financial support for your child’s upbringing, education, and other needs.
Covering Outstanding Debts: The last thing you would want to do is leave your baby with debt! If you have a mortgage, car loan, or other debts, life insurance can help cover these costs so your family isn’t burdened.
Replacing Lost Income: If you’re the primary breadwinner, life insurance can replace your income, ensuring your family maintains their standard of living.
Support for a Stay-at-Home Parent: If one parent stays home to care for the baby, losing the working parent’s income could be extremely challenging. In the event that the working parent dies, life insurance can provide financial support, allowing the stay-at-home parent to continue providing care without needing to rush back to work. This also works in reverse, too; if the stay-at-home parent dies, then life insurance will rush in to help support the working parent, covering childcare costs and various other expenses.
Ensuring Your Child’s Future Financial Needs: In some cases, life insurance can help with setting up funds for your child’s future needs, such as starting a business, college tuition, or any other significant life events. This provides a cushion that can support them in achieving their dreams.
Peace of Mind: Knowing that your baby will be taken care of can give you peace of mind, allowing you to focus on the joy of raising your child.

How to Choose the Right Life Insurance Policy

Okay, so you’re convinced that life insurance is a must. But how do you choose the right policy? Here are some tips to help you out:

Determine How Much Coverage You Need: Consider your financial obligations and how much money your family would need to maintain their lifestyle. A good rule of thumb is to aim for a policy that’s 10-12 times your annual income.
Choose Between Term and Permanent Life Insurance: Term life insurance covers you for a specific period (like 20 or 30 years) and is usually more affordable. Permanent life insurance, on the other hand, covers you for your entire life and has a cash value component.
Consider Your Budget: Look for a policy that provides adequate coverage without straining your budget. Remember, the best policy is one you can afford to keep.
Look at the Fine Print: Pay attention to the policy details, including exclusions, riders (additional benefits), and renewal options.
Talk to a Trusted Professional: Speak with an insurance agent you can trust. They’ll help you navigate your options and find a policy that fits your needs.

Let’s Make It Easy

Trust us, we get it. Life insurance can be a bit overwhelming, especially when you’re juggling the demands of a new baby. That’s why we’re here to help. At Avalue Insurance, we understand the unique needs of new parents, and we’re committed to making the process as smooth as possible.

Ready to take the plunge? Contact Avalue Insurance today to claim your personalized life insurance consultation! Our friendly agents are here to answer all your questions and help you find the perfect policy to protect your family’s future. Don’t wait! Secure your baby’s future today! Give us a call at 303-773-3332, or request a call-back!

The Role of Home Insurance in Protecting Against Natural Disasters – Insights from Avalue Insurance in Centennial, CO

Posted on June 28, 2024June 19, 2024 by admin

Natural disasters are unpredictable and can cause devastating damage to your home. As alarming as this might sound, there’s a silver lining – home insurance. Avalue Insurance in Centennial, CO, believes it is crucial to understand how home insurance can help defend against losses due to natural disasters.

Standard Home Insurance Coverage

Most standard home insurance policies provide coverage against a variety of natural disasters including windstorms, hail, lightning, and wildfires. This means if your home is ravaged by any of these perils, you can count on your insurance policy to cover repair and reconstruction costs.

Limitations and Exclusions

However, it’s equally important to understand the limitations. Common exclusions often include earthquakes and floods. Those residing in locations prone to these disasters should consider purchasing additional coverage.

Additional Living Expenses Coverage

If a disaster renders your home uninhabitable, your policy can help cover additional living expenses (ALE). This includes hotel bills, meal costs, and other living expenses incurred while your home is being rebuilt or repaired.

At Avalue Insurance, we understand the importance of feeling secure in your own home. Our team, located in Centennial, CO, is ready to guide you through the ins and outs of your home insurance policy and its role in protecting your home from natural disasters.

Secure your peace of mind against the unexpected. Contact us today to explore the best coverage options for you.

Liability Coverage: The Most Important Piece of Your Home Insurance Policy

Posted on June 17, 2024June 17, 2024 by Emilie Hagopian

Let’s chat about something important that often gets overlooked when shopping for home insurance: liability coverage. It may not the flashiest part of your policy, but it’s a pretty big deal. In fact, too many homeowners fall prey to the cheaper home insurance policies, leaving them underinsured and under-protected. Trust me: the last thing you’ll want to skimp on is liability coverage!

So, what exactly is liability coverage and why is it so important? Let’s talk about it!

What is Liability Coverage?

Think of liability coverage as one of those things that you’ll hope you never need, but you’ll be glad it’s there when you do inevitably need it. It kicks in to cover your legal fees in the event that someone tries to sue you for an unforeseen event that took place on your property.

Imagine a friend slipping on your icy driveway and breaking their tailbone. Or your puppy getting a bit too excited and accidentally biting one of your guests. Liability coverage can help cover the costs of medical bills or legal fees, saving you from a massive mountain of unanticipated out-of-pocket fees.

Why Do You Need It?

Well, accidents happen, right? And sometimes, they can lead to unexpected expenses. Liability coverage not only protects your savings and assets but also gives you peace of mind knowing you’re financially covered if the unexpected occurs.

What Does It Cover?

Liability coverage typically includes legal fees and medical expenses if someone sues you for an accident that happened on your property. It can also sometimes extend to incidents that happen away from your home, like you accidentally damaging someone else’s property.

You Might Already Have It, But…

Many standard home insurance policies include liability coverage, but sometimes, not enough. So, it’s extremely important to check the coverage details of your home insurance policy. Typical coverage amounts can vary, so it’s worth reviewing your policy to ensure you have adequate protection based on your lifestyle and assets.

How Much Coverage Do You Need?

Every homeowner’s situation is different, so it’s important to assess your risks and talk to an insurance expert to determine the right amount of liability coverage for you. They’ll help you understand what’s needed and customize a policy that fits your needs and budget.

Get Fully Covered with Avalue Insurance

Ready to make sure you’ve got the right protection in place? Contact Avalue Insurance today! Our team can walk you through the ins and outs of liability coverage and help you find a policy that gives you the peace of mind you deserve. We can even help you determine if you currently have enough liability protection in your current home insurance policy. Because your protection and peace-of-mind are our top priority.

Remember: accidents happen, but with the right coverage, you can rest easy knowing you’re prepared for whatever life throws your way. Stay safe and covered, folks!

The Role of Umbrella Insurance in Asset Protection: Guide for Centennial Residents

Posted on May 20, 2024May 20, 2024 by admin

When standard insurance policies can’t cover all of your liabilities, that’s where umbrella insurance steps in. Our team at Avalue Insurance in Centennial, CO, wants to share insights on this often overlooked, yet significantly important coverage, and its role in asset protection.

Understanding Umbrella Insurance

Umbrella insurance is an additional layer of liability coverage beyond the limits of standard insurance policies, including auto, home or renters insurance. It kicks in when your primary insurance has been fully utilized.

Why is It Essential?

Consider you are found liable for an accident, and the damages cost more than your auto insurance coverage. In this scenario, umbrella insurance can cover the additional costs, saving you from out-of-pocket expenses.

Asset Protection

Without enough coverage, your assets, including retirement accounts, savings, and even future earnings, can be at risk in the event of a lawsuit or liability claim. An umbrella insurance policy provides that much-needed safety net for your assets.

At Avalue Insurance in Centennial, CO, we understand our clients’ unique needs and provide them with tailor-made solutions. We are committed to safeguarding your hard-earned assets with the optimal coverage from umbrella insurance.

Reach out to us for more details. Our experts are here to answer all your insurance-related queries and will gladly help you understand the significant role umbrella insurance can play in protecting your assets.

Commercial Insurance Solutions Every Business Needs

Posted on April 15, 2024April 4, 2024 by admin

Companies in a range of industries seek appropriate protective measures. Avalue Insurance is committed to helping companies in and around Centennial, CO, navigate the multitude of insurance options available. Whether your business faces a threat as minor as paper cuts or as significant as risks inherent to a heavy machinery handling facility, insurance is a vital safety net for any business. The type of insurance plans required, however, can vary greatly.

Choosing the Right Commercial Insurance Plan

Does your business have enough employees to warrant workers’ compensation insurance? Do you operate multiple sites requiring commercial property insurance? Familiarity with how insurance coverages function, what suits your business, and how different coverages can complement each other are all critical aspects that a seasoned commercial insurance partner can guide you through.

At Avalue Insurance, our vast experience servicing diverse companies across scenic Centennial, CO, empowers us to proficiently handle all commercial insurance requirements. The last thing any business owner wants is an overpayment for unnecessary coverage—worse yet, discovering a lack of coverage when required.

Why Choose Avalue Insurance

Avalue Insurance offers the perfect solution that strikes a balance between needed protection and budgetary constraints. We eliminate the guesswork in choosing the right commercial insurance for your company. Contact Avalue Insurance today to get a customized plan and coverage suited to your business needs.

Home or Away Home Insurance is Always There

Posted on March 15, 2024March 8, 2024 by admin

Home Insurance: Peace of Mind and Protection with Avalue Insurance

At its core, home insurance offers two distinct benefits: assistance during circumstances that require it and peace of mind knowing support is available when needed. Avalue Insurance is committed to providing homeowners across the Centennial, CO area with reliable home insurance solutions they can trust.

Going Beyond Home Protection

Home insurance extends its utility beyond expensive repairs for property and storm damage or addressing liability issues. While these aspects are significant, home insurance covers more. Along with providing a trusted partner during critical times, it also protects your investment.

A central question is, how much did you pay for your home? What was the cost of constructing that pool, deck, or renovation project? For most of us, our homes represent our largest investment. Therefore, it’s of paramount importance to safeguard this investment with well-thought-out home insurance solutions.

Home Insurance and Community Concerns

Increasing crime rates in your community or even just hearing about break-ins can contribute to anxiety. Concerns like these often hinder your peace of mind, particularly when planning extended vacations. Fortunately, home insurance plays an integral role in alleviating these worries, offering another layer of protection atop your home insurance needs and concerns.

Trust in Avalue Insurance’s Home Protection Services

No matter how safe we are or how many precautions we take, there are some unexpected situations we cannot foresee. Thankfully, whether you’re home or away, Avalue Insurance offers insurance solutions at your service. Homeowners in the Centennial, CO area can contact us to find out more about Avalue Insurance’s home insurance plans. Secure your home today with Avalue Insurance.

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