Regardless if you belong to a private lake/reservoir that requires you to carry a certain amount of boat liability, you should always max out your boat liability to the available limit which is usually $500,000. Furthermore, you should always set your uninsured boater limit to match that at $500,000. Insuring your boat’s trailer with the correct stated value is also a necessity on your boat policy. Then of course you have your available comprehensive and collision deductibles which can be set at your specific needs.
You are going to insure your ATV much like you insure your motorcycle, pretty much the same rules apply. You will have the option to insure the ATV for trail and road use, or simply trail use which could reduce your yearly premium.
Your motorhome is going to be insured much like your primary auto, but most of the time this needs to be on its own policy. Carriers will offer some unique coverages for motorhome owners such as vacation liability. This essentially covers you and your family from any liability that could happen while the motorhome is parked and you are vacationing. Your Colorado Insurance agent can explain these special coverages in more detail and find the carrier that suits your needs.
The nice thing about insuring your fifth wheel, is that you can have this added right on to your primary auto policy. The camper does not need to carry liability coverage as this coverage extends from the vehicle that is pulling the camper. The only coverage you would need to carry is the comprehensive and collision coverage, and towing if available.
We always recommend that you insure your motorcycle with the exact same coverage that we recommend on your auto policy. 250/500 in liability, $100,000 in property damage, $5,000 in medical payment, 250/500 in uninsured motorist coverage and of course comprehensive and collision deductibles based on your needs. The state of Colorado says that your medical and uninsured motorist coverage technically extends from your underlying auto policy to your motorcycle policy and this is true. What most agents will neglect to tell you though, is this coverage does not extend to any passengers that could ride on your motorcycle which is a very scary thought. That is why we always recommend our clients carry these important coverages on their motorcycle policy.
MEET MIKE MATHISEN
Mike has been in the insurance industry since 1990 and if his many years of experience have taught him anything, it’s that the Insurance business is the People business. He is driven by his mission of protecting the assets of clients and their families in the event of unexpected financial disaster. Colorado Insurance is built on a foundation of customer values providing the best price, protection and service in the industry. A local family man, Mike lives in Littleton, Colorado and cherishes the time he is able to spend with his three grown children and his many grandchildren. He enjoys mountain backpacking, golf, fishing and loves to cook for family and friends.
MEET CALEB M. ATCHISON
Caleb joined Colorado insurance in May of 2005 after graduating with a business marketing/management degree from Colorado State University. Caleb began his career as an independent agent, growing and developing under the direction of agency President, Mike Mathisen.
After 5 years of steady growth and success as an independent agent, Caleb assumed the role of Junior Partner to the agency in August of 2009. During this time period, Caleb’s core focus was marketing, recruiting, training, and operations development.
MEET SARAH ZAMBRANO
Sarah has been in the in the insurance industry since 1999. She was born and raised in San Diego, CA and has lived in Colorado for since 2004. Helping people solve their problems is what she does best. Since joining the agency, Sarah has become a valued leader in the office. As Operations Manager, Sarah is responsible for the day-to-day operations of several departments and promotes the leadership philosophy where each staff member plays a critical role in the success of the business as a whole. She enjoys spending her free time with her 2 children and watching their various sporting activities.
Vice President of The Business Protection Team
MEET RYAN MATHISEN
Ryan grew up in Highlands Ranch, Colorado and studied at the University of Kansas. He has been involved in the insurance business his whole life and has a professional background in both sales as well as internet technology. He is happily married to his wife, Kami, and has just recently welcomed a new baby boy named Max to his family. Ryan is a big fan of the Denver Nuggets, Denver Broncos as well as the Kansas Jayhawks!
Director of Sales
MEET CHAD MAXEY
Chad has been working in the insurance industry for over fifteen years. He loves meeting clients building a long lasting trust with them and helping them find the most comprehensive coverage that meets their needs. Chad has lived in Colorado for over 24 years and loves everything the state has to offer. In his spare time he’s an avid fly fisherman and plans to tackle climbing more fourteeners in the near future. The best thing in his life is his family and he cherishes spending every moment with his best friend and wife Lindsey and their children.
Business Development Manager
MEET ANDY MATHISEN
Andy started with Colorado Insurance in 2012 when he brought his marketing and communications background to the agency. Coming from a start-up company in Denver, he wore many hats and was looking to assist the family business by dialing into a lead generation role. After many years as Marketing Director, he pivoted into a sales management position to assist in the growth of the in-house sales team. That experience has brought him full circle into the current role of Business Development Manager where he focuses on building a solid foundation of agency owners in many states for Colorado Insurance. His #1 motivation is to grow this family owned and operated business into one of the top personal lines agencies in the country.
8am-5pm Monday - Friday O: 720.283.1722 / F: 720.283.1726
7901 Southpark Plaza #110, Littleton, CO 80120