Frequently Asked Questions – Aloha Insurance Co.
1. What types of insurance does Aloha Insurance Co. offer in Westminster, CO?
We offer Auto, Homeowners, Renters, Condo, Landlord, Umbrella, SR‑22, Motorcycle, RV, Travel Trailer, and Jewelry & Valuable Items coverage.
Internal link: Explore All Products
2. Why choose Aloha Insurance Co. in Westminster?
As an independent local agent, we compare policies from multiple carriers (Progressive, Travelers, Safeco, Allstate, etc.) to find the best price/value for you.
Link to "About Us": Meet Our Team
3. How do I get a quote for home or auto insurance?
Call us at 303‑489‑0889 or fill out our online quote request. Fast, local responses from our Westminster office.
Link: Get a Quote
4. Can I bundle policies to save money?
Yes! Bundling Auto + Home/Renters/Condo often qualifies for multi-policy discounts, reducing your premiums and simplifying paperwork.
Link: Bundle & Save
5. Do you offer SR‑22 filings?
Absolutely—we help Westminster drivers get SR‑22 Filing certificates quickly and the Insurance carrier file’s them with the DMV.
Link: SR‑22 Insurance Info
6. What discounts are available?
You'll save with:
- Multi-policy bundles
- Safe driver, teen driver, good student, hybrid/electric discounts
- Home safety features (alarms, smoke alarms, smart devices)
7. Do you work in Spanish?
Sí. We provide bilingual service (English & Spanish).
8. What are your office hours?
We’re open Mon–Fri 9 AM–5 PM, with after-hours by appointment.
Link: Contact & Hours
9. How do I file a claim?
Call your insurance company or call us for help. We assist you throughout the claim process and answer questions. Allstate 800-547-8676 Foremost 800-274-7865 Progressive 800-274-4499 Safeco 800-332-3226 Travelers 800-252-4633 Travelers consultation 800-252-4633 (deciding to file a claim possibly)
10. What is umbrella insurance and do I need it?
An umbrella policy adds extra liability coverage beyond your auto or home limits—it protects everything from lawsuits, injuries, and more.
11. Do you cover motorcycles, RVs, or trailers?
Yes, we specialize in motorcycle, RV, travel trailer, boat, jet‑ski, ATV, and classic car insurance.
Link: Recreational Vehicles
12. Is Aloha Insurance licensed in Colorado?
Yes—we are fully licensed with DORA and work with top-rated carriers.
13. How much is homeowners insurance in Westminster?
Premiums depend on factors like home value, location, and coverage options—including flood and earthquake add-ons.
Link: Home Insurance Coverage
14. Does renters insurance cover natural disasters?
Yes—standard renters insurance covers fire, wind, theft, and more. Flood/earthquake add-ons are available. Coverage varies state by state.
15. How do I switch my insurance to Aloha Insurance Co.?
Call or request a quote—many clients switch mid-policy, and we guide you through the transfer process smoothly. 303-489-0889
16. Can you help with high-value jewelry?
We provide coverage options tailored for fine jewelry and valuables.
17. What is dwelling fire (DP‑3) insurance?
It covers structures (e.g., rental properties, vacant homes) against fire/smoke damage. Ideal for landlords.
Link: Dwelling Fire Policies
18. Are flood or earthquake policies offered?
Generally speaking no.
19. Do you offer personal umbrella coverage?
Yes—enhance liability protection beyond standard auto/home limits.
20. Can I pay my premium monthly?
Yes—options include monthly, quarterly, or annual payments, including pre-pay discounts.
21. How do I add a teen driver?
We help you add teen drivers to your auto policy and advise on discounts like good student credit.
22. What if I get a ticket?
Let us know—we’ll help manage your coverage updates; some tickets may affect premiums or require SR‑22.
23. Can I insure my rental property?
Yes—we offer landlord insurance for single-family rentals, multi-unit properties, accessories like garages.
Link: Landlord Coverage
24. Does Aloha help with claims after hours?
Our carriers offer 24/7 claims support, and we provide after-hours assistance by appointment.
25. Why should Westminster, CO residents call Aloha Insurance?
We’re local, independent, bilingual, and committed to finding the best coverage/price for Westminster clients.
Call now: (303) 489‑0889
26. What is full coverage auto insurance?
“Full coverage” typically includes liability, collision, and comprehensive coverage. It protects both you and the other party in an accident.
Link: Auto Insurance Explained
27. Do I need insurance if my car is paid off?
Yes—state law requires liability coverage. And if your car has value, we recommend comprehensive + collision to protect your asset.
28. What happens if I miss a payment?
Some carriers offer a grace period. Contact us ASAP to avoid a lapse in coverage.
303-489-0889
29. How long does it take to get a quote?
We usually provide same-day quotes—often within minutes by phone or online.
Link: Quick Quote Form
30. Can I insure a car I don’t own?
Yes—this is called a Broad Form Policy and/or non-owner policy or insuring a vehicle as a listed driver. We’ll help you structure it legally.
31. What’s the difference between collision and comprehensive coverage?
- Collision: Covers accidents with another vehicle or object.
- Comprehensive: Covers theft, hail, fire, vandalism.
32. Do you insure Uber or Lyft drivers?
Yes! We offer rideshare gap coverage so you're protected between personal and app use.
33. What if I drive for DoorDash, Instacart, or Amazon Flex?
You may need business-use auto insurance or a hybrid plan. Let’s customize it for your gig economy job. May or may NOT be available.
34. How can I lower my car insurance premiums?
- Bundle with home/renters
- Increase your deductible
- Maintain a clean driving record
- Use telematics (safe driving apps)
35. Do I need insurance if I don’t drive often?
Yes. You can opt for low-mileage or usage-based plans, which are more affordable.
36. What does renters insurance cover?
It protects your belongings, liability, and temporary living expenses if your rental is damaged.
37. Do I need insurance if I work from home?
Yes. Homeowners and renters policies may not cover business equipment—ask about home business endorsements.
38. How can I insure a vacation home?
We offer secondary residence insurance or seasonal home policies for part-time or occasional use.
Link: Property Options
39. Can you insure manufactured or mobile homes?
Yes, through partners like Foremost and American Modern, we offer competitive mobile home coverage.
40. What if I have poor credit or a driving history?
No problem! We can write high-risk and non-standard insurance with carriers who work with most situations.
41. What if I need coverage today?
We can bind policies same-day in most cases—especially for auto, renters, or SR‑22. Call us now!
Phone CTA: 📞 303‑489‑0889
42. Is flood insurance required?
If you live in a high-risk flood zone, your mortgage may require it.
43. Can I get insurance for my boat or jet ski?
Yes—we offer watercraft coverage from fishing boats to Jet Skis.
44. Does Aloha offer life insurance?
We offer term life and whole life insurance policies through trusted partners.
(Contact us for current carriers.)
45. What is a deductible?
It’s the amount you pay out-of-pocket on a claim before insurance kicks in. Higher deductibles = lower premiums.
46. What is personal liability coverage?
It protects you if someone is injured or their property is damaged due to your actions (often included in home/renters policies).
47. Can I add roommates or family members to my policy?
Yes, in some cases. It’s important to list all household members to avoid gaps in coverage.
48. Do I need insurance for a rental car?
Your auto insurance may cover rentals, but double-check. For extra peace of mind, ask us before your trip.
49. Is my pet covered by my home insurance?
Home insurance covers injuries caused by your pet to others in some cases, but not vet bills for your pet. Ask us about pet insurance options.
50. Why is Aloha Insurance Co. the top choice in Westminster, CO?
We combine local service, multi-carrier options, and personalized care. Our mission: Protecting what matters most to you — with Aloha 🌺.
Call now: (303) 489‑0889 or request a quote
Disclaimer:
Coverage options, limits, discounts, and availability may vary by state, carrier, and individual circumstances. This post is for general informational purposes only and does not constitute an offer of insurance or guarantee of coverage. For personalized insurance advice or a quote, please contact Aloha Insurance at 303-489-0889 or visit www.alohainsuranceco.com.