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
Back to TopWhy 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
Back to Top3. 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
Back to Top4. 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
Back to Top5. 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
Back to Top6. 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)
Back to Top7. Do you work in Spanish?Sí. We provide bilingual service (English & Spanish).
Back to Top8. What are your office hours?We’re open Mon–Fri 9 AM–5 PM, with after-hours by appointment.
Link: Contact & Hours
Back to Top9. 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)Back to Top10. 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.
Back to Top11. 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
Back to Top12. Is Aloha Insurance licensed in Colorado?Yes—we are fully licensed with DORA and work with top-rated carriers.Back to Top13. 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
Back to Top14. 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.
Back to Top15. 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
Back to Top16. Can you help with high-value jewelry?We provide coverage options tailored for fine jewelry and valuables.
Back to Top17. 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
Back to Top18. Are flood or earthquake policies offered?Generally speaking no.
Back to Top19. Do you offer personal umbrella coverage?Yes—enhance liability protection beyond standard auto/home limits.
Back to Top20. Can I pay my premium monthly?Yes—options include monthly, quarterly, or annual payments, including pre-pay discounts.
Back to Top21. 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.
Back to Top22. 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.
Back to Top23. Can I insure my rental property?Yes—we offer landlord insurance for single-family rentals, multi-unit properties, accessories like garages.
Link: Landlord Coverage
Back to Top24. Does Aloha help with claims after hours?Our carriers offer 24/7 claims support, and we provide after-hours assistance by appointment.
Back to Top25. 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
Back to Top26. 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
Back to Top27. 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.
Back to Top28. 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
Back to Top29. 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
Back to Top30. 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.
Back to Top31. What’s the difference between collision and comprehensive coverage?
- Collision: Covers accidents with another vehicle or object.
- Comprehensive: Covers theft, hail, fire, vandalism.
Back to Top32. Do you insure Uber or Lyft drivers?Yes! We offer rideshare gap coverage so you're protected between personal and app use.
Back to Top33. 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.
Back to Top34. 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)
Back to Top35. 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.
Back to Top36. What does renters insurance cover?It protects your belongings, liability, and temporary living expenses if your rental is damaged.Back to Top37. Do I need insurance if I work from home?Yes. Homeowners and renters policies may not cover business equipment—ask about home business endorsements.
Back to Top38. 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
Back to Top39. Can you insure manufactured or mobile homes?Yes, through partners like Foremost and American Modern, we offer competitive mobile home coverage.
Back to Top40. 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.
Back to Top41. 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
Back to Top42. Is flood insurance required?If you live in a high-risk flood zone, your mortgage may require it. Back to Top43. Can I get insurance for my boat or jet ski?Yes—we offer watercraft coverage from fishing boats to Jet Skis.Back to Top44. Does Aloha offer life insurance?We offer term life and whole life insurance policies through trusted partners.
(Contact us for current carriers.)
Back to Top45. What is a deductible?It’s the amount you pay out-of-pocket on a claim before insurance kicks in. Higher deductibles = lower premiums.
Back to Top46. 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).
Back to Top47. 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.
Back to Top48. 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.
Back to Top49. 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.
Back to Top50. 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.
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