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
51. Do you offer condo insurance in Westminster, CO?
Yes, we provide condo coverage to protect your unit’s interior, personal belongings, and liability.
Link: Condo Insurance Coverage
52. Can I get landlord insurance for multi-unit properties?
Absolutely—whether you own a duplex, triplex, or 4 plex, we’ll structure a landlord policy that protects your investment.
Link: Landlord Policies
53. What carriers does Aloha Insurance Co. work with?
We partner with top-rated companies like Safeco, Travelers, Geico, National General, Progressive, Allstate, Foremost, American Modern, and more.
Link: Our Carriers
54. Do you cover Airbnb or short-term rental properties?
Yes, In some cases we can offer short-term rental for vacation rentals and Airbnb properties in Westminster, CO, and the Denver Metro Area.
Link: Aloha Insurance
55. Do you offer coverage for classic cars?
Yes—we offer agreed-value policies for classic, antique, and collector vehicles.
Link: Classic Car Insurance
56. Does Aloha Insurance Co. help small businesses?
Yes, we offer commercial auto coverage and workers compensation (workers comp) work comp for local Westminster businesses. And in Denver Metro area as well.
Link: Business Insurance
57. Can you help insure motorcycles year-round or seasonally?
Yes—whether you ride all year or just in the summer, we can write your motorcycle coverage.
Link: Motorcycle Coverage
58. Is earthquake insurance available in Colorado?
Most standard home policies exclude earthquakes, but endorsements or stand-alone policies may be available. At the current time, we cannot insure Earthquake.
59. Can Aloha Insurance insure vacant homes?
Yes, we offer dwelling fire (DP-1/DP-3) coverage specifically designed for vacant or seasonal properties.
60. Do you cover snowmobiles, ATVs, or dirt bikes?
Yes—recreational vehicle insurance includes snowmobiles, dirt bikes, ATVs, and side-by-sides.
61. Does renters insurance cover theft outside my apartment?
In some cases it does.
62. Do you offer SR-22 insurance for out-of-state drivers?
Yes—we can help file SR-22s in Colorado ONLY! Your place of residency will determine where you need to get your sr-22 insurance from.
63. What is non-owner car insurance?
It provides liability coverage for drivers who don’t own a car but need to maintain insurance.
64. Can I get insurance with an international driver’s license?
Yes, some carriers allow coverage for foreign or international licenses—call us for details.
65. Do you provide insurance for mobile food trucks?
Yes—we offer commercial auto and general liability insurance for food trucks and trailers.
66. Can you help insure jewelry or collectibles?
Yes—add a rider or separate policy for jewelry, art, instruments, or collectibles.
67. What’s the difference between replacement cost and actual cash value?
Replacement cost = full cost to replace items; ACV = replacement cost minus depreciation.
68. Do you offer rideshare coverage for Uber Eats or Lyft delivery?
Yes, some insurers coverage protects you when your personal policy doesn’t apply while driving for rideshare or delivery.
69. What is medical payments coverage?
It pays medical bills for you and your passengers after an accident, regardless of fault.
70. Do you cover boats stored in Colorado?
Yes—boats, jet skis, and watercraft can be insured even when stored out of the water.
71. Can Aloha Insurance insure RVs used full-time?
In some cases Yes
72. Does homeowners insurance cover home-based businesses?
Most policies exclude business equipment—endorsements or separate business insurance may be needed.
73. Can I get umbrella insurance if I rent my home?
Yes—umbrella liability may extend with the property added endorsement in some cases.
74. Do you cover golf carts or low-speed vehicles?
Yes—coverage is available for golf carts, neighborhood electric vehicles, and utility carts.
75. How can I insure a vacation cabin in the mountains?
This is one out of our scope as of now… in the future it may change.
76. What is roadside assistance coverage?
It adds towing, jump-starts, lock-outs, and fuel delivery to your auto policy for peace of mind.
77. Do you offer coverage for trailers?
Yes—travel trailers, utility trailers, and horse trailers can all be insured.
78. What is gap insurance?
Gap insurance covers the difference between your car loan balance and the vehicle’s actual cash value if totaled. Sometimes there is a (%) percentage or a specific amount determined by the insurer
79. Do you provide flood insurance in Colorado?
No—stand-alone flood policies are available through FEMA’s NFIP or private carriers.
80. Does homeowners insurance cover wildfires?
Yes—standard home insurance in Colorado covers wildfire damage to your property.
81. Do you insure tiny homes?
Yes—some carriers offer special programs for tiny homes, whether on wheels or foundations.
82. Do you provide commercial property insurance?
No – not at this time.
83. What is liability-only auto insurance?
It covers damages/injuries you cause to others but not your own vehicle.
84. Do you offer policies for scooters or mopeds?
Yes—we provide insurance for scooters, mopeds, and electric bikes in Colorado.
85. Can I insure a vacant lot?
NO. At this time we cannot.
86. Do you provide farm or ranch insurance?
Only small, hobby farms. Calls for details.
87. Does renters insurance cover roommates?
Typically, each tenant needs their own policy unless listed as named insureds.
88. Do you cover trailer homes in mobile parks?
Yes—manufactured/mobile homes in Colorado parks can be insured affordably.
89. Do you offer high-limit liability policies?
Yes—we provide umbrella policies with coverage limits up to several million dollars.
90. What is uninsured/underinsured motorist coverage?
It protects you if the at-fault driver has no insurance or not enough coverage.
91. Can I get a same-day SR-22 filing?
Yes—we can often issue a new insurance/SR-22 policy same day.
92. Do you offer insurance for students away at college?
Yes—discounts and special coverage options are available for college students’ belongings and vehicles.
93. Can you help with auto insurance after a DUI?
Yes—we can offer high-risk coverage, including SR-22 filings for DUIs.
94. Does home insurance cover sewer backup?
Not always—it usually requires a special endorsement. Ask us about adding sewer backup coverage.
95. Do you provide commercial auto insurance?
Yes—protect company cars, vans, or trucks used for your Westminster business. Denver Business
96. What is loss of use coverage?
It pays for temporary housing or expenses if your home becomes unlivable after a covered loss.
97. Do you offer insurance for vacant commercial buildings?
Not at this time.
98. Can I get umbrella coverage even if I don’t own a home?
Yes—umbrella liability can extend protection over renters and auto policies in some cases. Call today for details.
99. Do you have multiple rentals?
If yes, we can possibly bundle all of them into 1 policy, if they are already paid in full ( no mortgage) example 20 rental’s or 10 rental’s or 5 rental’s with the same name/LLC we can insure them.
100. How can I contact Aloha Insurance Co. in Westminster, CO?
Call us at 303-489-0889 or visit www.alohainsuranceco.com for a free, local quote today!
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.