The latest round of severe storms traversing across Colorado and the rest of the US has numerous homeowners and automobile owners re-examining their current insurance coverage options.

Licensed insurance experts at Front Range Insurance Services in Littleton, CO, can help ensure that you and your loved ones are financially protected from life’s most unpredictable storms. 

Umbrella insurance is a unique form of coverage that extends the financial limits of an existing auto or home insurance policy. Locals are protecting their most prized possessions by investing in comprehensive policies that shield their personal finances from the devastating aftereffects that can follow a natural disaster, theft, burglary, or automobile accident. 

Talk to a trusted local insurance professional to learn more about the benefits of umbrella insurance and how to extend the limits of your current policies.

A knowledgeable and trusted agent can help you inventory your most prized possessions and choose the best umbrella insurance policy to provide comprehensive coverage for them. 

Get Umbrella Insurance from a Trusted Local Insurance Agency 

Front Range Insurance Services understands the unique needs of Littleton residents. We strive to help our clients find the best insurance solutions for their lifestyle and budget. We offer comprehensive insurance solutions to help you protect your home, auto, and business from covered perils that would normally devastate your finances, leaving your family in a bind. 

Please don’t wait until the unexpected happens, and it’s too late to protect your valuables with full coverage umbrella insurance! Don’t hesitate to contact an agent at our offices and kickstart your umbrella insurance quote today! We’re here to make the process as easy and straightforward as possible for you. 

The Importance of Storing Your Recreational Vehicles in a Storage Facility

If you own a recreational vehicle like a travel trailer, truck camper, or camp trailer, storing it in a storage facility when not in use is a smart move. Here are some reasons this can be an excellent long-term investment for you.

Protection Against Theft

Recreational vehicles that are openly kept on your property are vulnerable to theft or vandalism. Securing them in a storage facility offers them protection through limited access. These facilities typically provide individual lockers, each equipped with a security system and climate control. If anything occurs while your vehicle is stored, pinpointing the culprit becomes straightforward.

Protecting the Exterior

Choosing to store your recreational vehicles in a covered storage facility shields them from harsh weather conditions and the damaging effects of constant sun exposure. Prolonged exposure to elements like the sun, rain, and wind can hasten exterior deterioration. Indoor storage helps maintain the paint and prevents potential issues like tire dry-rot when the vehicles are parked long-term.

Reclaim Your Space

Recreational vehicles parked on your property can take up a lot of space that could be used better. This is especially true if they are taking up garage space meant for your car. Living spaces in Colorado’s suburbs are valuable, making storage facilities a popular option. Regain control of your property by choosing a storage unit for your recreational vehicles.

We Have Your Back

If you reside in the Littleton, CO, area or neighboring communities, please get in touch with Front Range Insurance Services today. We can provide you with a personalized quote for your recreational vehicle storage needs.

Seasonal Boat Safety Tips for All Boat Owners

As a responsible boat owner in Littleton, CO, and surrounding areas, it is crucial to prioritize safety throughout the year, not just during the sunny, inviting summer season. We at Front Range Insurance Services offer boat insurance and want to guide you on how to ensure boat safety in all seasons.

Spring Checks

As Colorado’s ice melts and days lengthen, it’s time to prepare your boat for the water. Prioritize inspecting the hull for potential damage, then move to the engine, batteries, and electrical systems, checking for corrosion or wear. Swap old fluids and filters and verify that safety equipment, including life jackets and fire extinguishers, are usable.

Summer Maintenance

Ensure the engine maintains a secure temperature by regularly checking fluid levels. When not in use, cover your boat to guard against UV exposure. Inspect the hull and propellers for debris entanglement and any damage signals whenever possible.

Fall Cares

As seasons transition, deep clean your boat and drain the onboard water systems to prevent pipe bursts. Protect electronics from moisture damage by removing or storing them properly.

Winter Preparations

Consider boat storage during winter, with indoor storage being preferred over shrinkwrapping. Ensure your boat is topped up with antifreeze, and disconnect and store the batteries in a warm place.

Protect Your Investment with Front Range Insurance Services

Understanding the huge investment you’ve made in your boat, we provide tips to ensure its safety for every season. We serve Littleton, CO, and surrounding areas.

Rely on Us for Your Boat Insurance Needs

While the safety precautions help prevent mishaps, having an appropriate boat insurance policy is crucial for comprehensive protection. We offer customized insurance solutions to cover your boat against a variety of risks. Let us be your trusted partner for boat safety and insurance in Littleton, CO. Reach out to us today.

It is always vital that you have a reliable mode of transpiration when you are in the Littleton, CO, area. Investing in a motorcycle can be a good idea if you are looking for a way to get around this community. Along with your motorcycle purchase, you need to consider your insurance needs. There are some situations when you need to have motorcycle coverage here. 

When Financing the Vehicle

A situation when you will need to have a proper motorcycle insurance plan is when you have financed a vehicle purchase. Like other vehicles, motorcycles can be expensive, and a loan can be an excellent way to complete the purchase. When this happens, you must always carry a full motorcycle insurance policy. This will likely be a requirement in the loan agreement and will protect the lender’s security interests in the asset. 

When Driving on Public Road

It would be best to have motorcycle insurance when using the vehicle on a public road. Those using a motorcycle are obligated to carry at least liability insurance when using the bike. This provides assurances to all people that you will have the capacity to cover damages if you have caused an accident while using it. 

You will always need to have a motorcycle insurance plan if you are going to own one in the Littleton, CO, area. Once you are ready to start looking for coverage here, you will want to call our team with Front Range Insurance Services. Our Front Range Insurance Services professionals know the value of this coverage and will give you the guidance you need to create a new policy that protects you and your motorcycle. 

Owning recreational vehicles can be great if you are in the Littleton, CO area. When you purchase one of these vehicles, you will be able to enjoy all the local parks and recreational areas to the fullest. If you are buying a recreational asset or toy, you also need the right insurance. Having a recreational insurance plan is a good option for various reasons. 

Ensure Your Asset is Covered

If you are in Colorado and have purchased any recreational vehicle or asset, you likely will want to enjoy it for a long time. Unfortunately, the cost to replace or repair it can be significant if it is damaged in an accident, vandalized, or stolen. If you invest in a recreational insurance policy, you will have coverage against this risk, which will help ensure you have the financial resources necessary to repair or replace it. 

Manage Liability Risks

Getting recreational insurance to manage your liability risks is also a good idea. If you are going to operate a recreational asset, there is a chance an accident can occur. If you are responsible, your costs to remediate damages can be considerable. When you are insured with a recreational policy, you will get the support you need. 

If you choose to purchase a recreational vehicle, and you are in the Littleton, CO area, you do need to take your insurance needs seriously. If you are looking for a way to start your search, call our professionals with Front Range Insurance Services. Our team with Front Range Insurance Services knows the value of this coverage and will offer all the guidance you need to create a quality plan for your assets. 

Boat insurance is not legally mandated in Colorado, but you may still want or need it based on your circumstances. For instance, if you are still paying on your boat, lenders may require you to carry full coverage insurance to protect their investment. At Front Range Insurance Services, we can show you what kinds of boat insurance are available in Littleton, CO, so you can decide what’s right for you.

Liability Insurance

Liability insurance is still a good idea even if your boat is paid off. Liability insurance protects you if you are found to be at fault in an accident that damages or injures someone else’s property.

Collision Coverage

If you are in a collision with an object or another boat, whether or not you are at fault, collision coverage covers damages to your boat.

Comprehensive Coverage

Many other things can put your boat at risk, such as fire, storms, vandalism, or theft. You need comprehensive coverage unless you want to pay for the damages yourself.

Medical Payments Coverage

If you or your passengers have medical payments not covered by your regular health insurance, this coverage can help pay for doctor visits, medicine, and therapy. This applies no matter who caused the accident.

Uninsured/Underinsured Operator Coverage

If the other operator was at fault, they may be required to pay, but they might not have enough money. 

Carrying boat insurance in Littleton, CO may not be a legal requirement, but it can offer much of the protection you need. If you have any questions or would like to compare different policies, please call Front Range Insurance Services today.

Your life is something to not take for granted, but what happens when you’re gone is an unknown—especially without a solid life insurance policy in place. However, this type of insurance can be tricky, but our agents at Front Range Insurance Services in Littleton, CO can help you find the best options. Here are three key questions to ask before signing up.

1. What Type of Insurance Should I Get?

Your agent will explain what type of life insurance policies are available to help you choose the best one for your ultimate goals. Our mission is to ensure your beneficiaries and final expenses don’t become an impediment after your passing. For starters, there are two primary types of life insurance: term life and permanent insurance.

Term life insurance covers you for a specific number of years and provides death benefits should you pass while the policy is active. Terms usually range from 10 to 30 years and can provide financial support for family members who rely on your income for essential bills. Permanent life insurance covers you for life as long as premiums are currently paid.

2. How Much Insurance Do I Need?

Ponder critical questions like how much your family will need to maintain their current lifestyle. Remember any debts, mortgage payments, and medical and funeral costs when making this pivotal decision. Our agents can help with estimates during a consultation.

3. Will My Policy Include Living Benefits?

Did you know that life insurance can do more than provide death benefits? Certain policies also provide living benefits that allow you to borrow against the policy’s actual cash value while still alive. These funds can come in handy should you have a terminal illness or need short or long-term care at some point.

Bring Security for your Future With Life Insurance

If you live in the Littleton, CO area, Front Range Insurance Services is your go-to resource for all your insurance needs. We will help you select the policies for life, home, auto, and recreational insurance and can bundle packages to reduce costs. Contact us today to consult with an agent about policy options and rates.