Is Umbrella Insurance Right For Me?

There are all kinds of insurance policy options out there. Some of these policies are decided to protecting one specific piece of property or vehicle, while other forms of insurance offer a more blanket form of protection. This is where umbrella insurance comes in. Umbrella insurance isn’t necessary for everyone, but it does offer additional liability protection for you and what you own. If you live in greater Littleton, CO out staff here at Front Range Insurance Services is here to assist you in finding the right umbrella insurance coverage if it is something you’re interested in. 

Do You Own A Home or Condo?

If you don’t own where you live you may not need umbrella insurance. Instead, it might be better for you to add specific protection to what you do own. However, umbrella insurance can be extremely valuable when you own your property. If a fire starts in your home and spreads to your neighbors, umbrella insurance can help you cover this. Or if someone slips on your sidewalk and files a lawsuit, your umbrella insurance will help you pay for the attorneys and other legal fees. This is extremely expensive out of pocket, which is why umbrella insurance is valuable. 

Go The Extra Mile With Added Liability Protection

Umbrella insurance will offer you and what you own additional liability protection. Of course, this kind of insurance is perfect for some individuals, while it may not be right for others. If you want to know about umbrella insurance and if you are a prime candidate for it, now is the time to give our staff here at Front Range Insurance Services a call. Our staff is ready and waiting to help you protect your Littleton, CO home, auto, and other investments you own. 

Do You Really Need Flood Insurance?

If you think your Colorado home is safe from flooding because you live outside of a flood zone, think again. Over a quarter of flood claims across the country come from homeowners who live outside of flood zone areas. Flooding can happen almost anywhere. By purchasing flood insurance, you can be prepared for a flood disaster. The following flood facts from Front Range Insurance Services explain why you should consider flood coverage for your Littleton, CO home.

Floods Cause Extensive Damage

Flooding can cause extensive damage to your home’s structure and utterly destroy its contents. Without flood insurance, you could suffer financial ruin due to the damage that a flood can cause. Even a few inches of floodwater is enough to cause devastating results. Because floods often happen quickly, you may have little time to prepare your home or save your belongings. That’s why it’s important to have flood coverage in place well in advance.

Home Insurance Doesn’t Cover Flooding

If a pipe breaks or rainwater leaks through your roof and causes water damage in your home, your home insurance will compensate you for your loss. Home policies, however, don’t cover flood damage caused by rising river waters, snow melts, or overrun dams. Colorado is prone to flash floods due to excessive rainfall during the rainy season. With flood insurance, you can be prepared against the risk of flood damage to your home.  

Flood Insurance Helps You Recover from Flood Disasters 

Flood insurance in Littleton, CO provides financial compensation to help you recover from a flood disaster. A flood policy from the National Flood Insurance Program (NFIP) will protect your home for up to $250,000 and contents up to $100,000. These funds can be instrumental in helping you get back on your feet after a flood.

For more information about flood insurance coverage and costs, contact your Front Range Insurance Services agent today.

Why You Should Consider Replacement Cost Coverage for Your Recreational Vehicle

Replacement cost coverage is a very powerful tool to have when you need it. The goal of having adequate replacement cost coverage is for the protection amount to help the insured person get back to the status they had before the problem occurred.

It is a Mistake to be Underinsured

When considering how to insure a recreational vehicle (RV), it is a mistake if you only cover its blue-book value for the resale of the RV. If it gets in an accident, where it is totaled or it burns up in a fire, your insurance may not cover everything. In most cases, resale valuation is too low for insurance because RVs contain many things inside them that are valuable. With inadequate protection, all of those things may be lost.

Take Inventory for Complete Protection

Work with your agent at Front Range Insurance Services, serving Littleton, CO and the surrounding area, to discuss these matters. Consider getting replacement insurance for the RV and all of its contents. With replacement insurance, if an item is covered, the insurance company will give you enough to get a new one of the same type. Say, for example, somebody steals your television when you are away from the RV. If the TV is covered, then, you will be able to get a new one of the same type, not a used one.

You will want to make a complete inventory of all the items you already have in the RV and save receipts for any new purchases. It is helpful to make a video of all the items. In the video recording, clearly show the items, their brand name, and any identification numbers. Also, ask your agent about road service coverage and rental car coverage, if the RV needs repairs when you are on vacation.

To get an RV insurance review and a quote, contact your agent at Front Range Insurance Services in Littleton, CO.

Do I Need Boat Insurance?

You work hard for your money and when you decide to spend some of it on a boat, you want to ensure that your investment is protected. Whether you have a small canoe or a million-dollar yacht, you will want to have peace of mind knowing it can be repaired or replaced if a disaster or theft occurs.

While most states do not require boat insurance, that does not mean you should not have it. In Colorado, liability insurance is required for your auto but not for boats. However, some marinas may require you to have insurance coverage before they will allow you to store your boat there as part of the lease agreement.

If you finance your boat, your lender may require that you have at least liability insurance. The amount of insurance must cover the full value of the boat so if it catches on fire or sinks, the bank will not be out their money and you can purchase a replacement boat. Some homeowner’s insurance policy will cover your boat but is normally limited to boats that are under a certain amount of value and size. Boat insurance policies are unique and designed for the special needs of boat owners.

Many boat insurance policies are referred to as "All Risk" policies, meaning they provide coverage for a broad spectrum of incidents that can affect your beloved boat, such as vandalism, lightning, and hail, a fire, theft, or if your boat sinks or is involved in a crash. You will have to add to your policy to cover your fishing gear and other personal items that you may leave on your boat so they can be replaced if a disaster occurs.

To find out more information about boat insurance to protect your investment, call upon the knowledgeable and experienced agents at Front Range Insurance Services in Littleton, CO for all of your boat insurance needs.

How can a Colorado motorcycle insurance policy protect me?

Those that live in the Littleton, CO area will enjoy the beautiful scenery and nice weather most of the year. To enjoy it to its fullest, many people would love to take a motorcycle out and enjoy the surroundings. When you are looking to do this, it is important that you have motorcycle insurance as it can protect you in many different ways. 

Ensures that you have Liability Coverage

One way that a motorcycle insurance policy for someone in the Littleton, CO area can protect them is by providing liability coverage. Whenever you operate your motorcycle, there is always going to be a small chance that an accident could occur. If you are at fault in this accident, it will be up to you to cover all damages. Since these can be expensive, having motorcycle insurance with liability coverage will prove to be very valuable.

Provides Protection for Your Assets

Additionally, owners of motorcycles will want to make sure that their prized possession is protected. If your bike is stolen or damaged in any way, the cost to replace or repair it can be significant. However, if you have motorcycle insurance at all times, it will help to ensure that you are properly covered. A full comprehensive coverage and collision coverage policy will cover you for virtually any situation that could cause a loss. 

Once you are ready to start looking for motorcycle insurance in Colorado, you should contact the team at Front Range Insurance Services. The insurance professionals at Front Range Insurance Services can help you to find a great motorcycle insurance policy that properly meets your needs. This will ensure that you are fully covered for any liability risk and also that your motorcycle will be covered if it is damaged.

Does Recreational Insurance Cover Tents and Camping?

Camping is a favorite pastime for residents who live in the Littleton, CO area. While some campers go all out with large RVs and motorhomes, there are others who prefer to keep it old school. Tents, sleeping bags, camp stoves, and lanterns are the only supplies a dedicated outdoorsman will really need if they plan on camping under the stars. The agents of Front Range Insurance Services offer several types of insurance policies that cover camping and your equipment.

Theft and Vandalism

Insuring your camping equipment will protect you from losing your investment. If your tent or any of your equipment is stolen, vandalized, or damaged due to the negligence of others, you will be able to file a claim to replace your items It’s important to make sure, however, that your policy is written to include those items.

Liability

When you are camping, it’s important that you take the necessary precautions to protect yourself and others from injury. Having liability insurance will protect you if you or someone in your party is injured during your camping trip. Your agent will be able to assist you in creating a policy that best meets your needs.

Residents who live in Littleton, CO and are looking forward to camping over the next year can call the agents of Front Range Insurance Services. They have a variety of recreational insurance policies to cover your camping gear whether you are using it at the time or if it is in storage for the winter. Schedule an appointment today with one of their reputable agents so that you know you will be good to go when camping season rolls around.

What Colorado Residents Need to Know About Boat Insurance

Owning a boat is a great way to enjoy the beautiful outdoors that we have here in Colorado! If you are in the greater Littleton, CO area and are considering a boat purchase, the team at Front Range Insurance Services is here to help you get the coverage you need. It’s important to protect yourself from liability in addition to covering your boat from theft and damage. We’re here to help you determine which policy is right for your needs.

Important Policy Facts for Colorado Boat Owners

A lot of boat owners focus on the need to physically protect their boat from theft or damage. There are other considerations that can often be overlooked to the owners’ detriment. It’s easy for accidents to happen when you’re out on the water and injuries can also occur during such incidents. Yes, your basic boat policy can cover any damage to your boat, but what if there is damage to another person’s property or injuries that occur as a result of the accident? Having an appropriate amount of liability insurance will help to protect you from a financial obligation due to an accident out on the water.

Another important feature to look for is coverage of your vessel when you are traveling from one place to another. Boat owners who trailer their watercraft on a regular basis will want to look into additional coverage for their trailer as well as the boat. Again, it’s not always enough to have coverage for physical damage without ensuring the right amount of liability protection.

Let the team at Front Range Insurance Services help you find the right policy to protect your boat! If you are in the greater Littleton, CO area call or stop by today and learn more!

Colorado Motorcycle Insurance Frequently Asked Questions

Littleton, CO is a town with plenty of scenic views and motorcyclists from around the nation find themselves enjoying Colorado roads in the summer. If you are a Colorado resident planning on enjoying the road from behind the handles of a motorcycle come to Front Range Insurance Services to all of your insurance needs. 

FAQs About Motorcycle Insurance in Colorado

  • Is a helmet legally required? In the state of Colorado if a rider is under the age of 18 they must legally wear a motorcycle helmet. Over the age of 18, the helmet is not a legal requirement, but it is strongly encouraged for your wellness. 
  • What qualifies at legal protective eye-wear? It is a legal requirement to wear protective eyewear while operating or riding on a motorcycle. A helmet visor is recommended but if you chose you can wear goggles or eyeglasses made of safety glass. 
  • Is motorcycle insurance required? Yes, motorcyclists in Colorado are expected to follow all the same laws as other drivers in the state and there are minimum insurance requirements to protect you while you are on the road. Call one of our friendly agents to find out exactly what is legally expected for coverage at the moment. 
  • What are some other motorcycle laws I should be aware of? Colorado has basic laws for enjoying the road on a motorcycle safely, these include avoiding sharing the same lane with another vehicle, no holding onto another vehicle (also known as towing) while operating your motorcycle, and co-riders should be behind the driver or in a sidecar instead of on the front. 

Front Range Insurance Services serves the community of Littleton, CO, call us today for insurance coverage for your motorcycle. 

Can You Take out Life Insurance on Someone that You are Not Related To?

Life insurance is something that can greatly affect your quality of life and can help to make it easier for your family after you pass. For those that do have a life insurance policy, you can take the time to find a policy that works for you and for your family. For those in the Littleton, CO area, the agents with Front Range Insurance Services can help you find the right life insurance policy for you.

For those that do want to take out an insurance policy on someone that is not related to you, you do have to have some vested interest in that person. A good example might be someone that wants to take out a life insurance policy on the other parent of your child if you are not married. You can also take out a life insurance policy on your business partner, you may want a policy on someone that you own a house with, etc. In order to take a life insurance policy out on another person, you have to have a vested interest in their safety and in their life. Also, in most cases, the person that the policy is being taken out on has to be aware that the policy exists and has to sign and approve the policy as well.

This is to prevent people from taking out policies on people that they do not know and that they have no vested interest in. This is also to prevent people from taking out policies then harming individuals in order to collect. For those in the Littleton, CO area, the agents with Front Range Insurance Services can help you find the perfect life insurance policy for all your needs.  

What Type of Security System Should I Choose for My Business?

Protecting your business with the right home security system can be beneficial for several reasons. Before you purchase a system, however, there are a few things you need to think about. At Front Range Insurance Services, the agents are available to help business owners in Littleton, CO figure out what type of system they need and which devices will be most beneficial.

Size Matters

The size of your business will determine what type of security system will work the best. Smaller businesses may benefit from having entry sensors in place that connect to an alarm system. Many security systems offer a basic kit that will work well for a small building. The larger the building, the more devices you will need. For any size business, adding a surveillance camera or two will also help.

Do-It-Yourself or Professional?

A small business may do well with a simple, do-it-yourself system that you can monitor on your own. If you have a mid-sized to large business, then installing a larger security system may be a better idea. Large systems are normally professionally installed and monitored. This gives you an added layer of protection that can secure your entire property. Hiring a professional monitoring company will ensure that someone is watching your business at all times. A DIY system means you will do all of the monitoring.

In Littleton, CO, having a business means doing what you need to do to protect it. Call the agents at Front Range Insurance Services to get the latest information on how security systems are being used to protect local businesses. Discuss your options and get the information you need to make an informed choice!