3 facts about flood insurance every homeowner in Littleton, CO should know

Three facts about flood insurance every homeowner in Littleton, CO should know

Did you know that flooding has been categorized as the no.1 natural disaster in the US?  Floods are chaotic and have no boundaries, affecting every state, including Littleton, CO. They destroy homes, displace families, and devastate communities.  Experts at Front Range Insurance Services advise residents to buy flood insurance even if their home is not marked as a high-risk flood area.  It’s also essential to understand how flood insurance works and learn some facts to help protect your home. Here are three main facts you should know:

 #Fact1: Homeowners insurance doesn’t cover floods

Home insurance covers water damage but not flood water damage. Damage caused by broken tap or frozen pipes can be covered under home insurance. Homeowners have to purchase flood insurance separately. Depending on where you live, your mortgage lender may also require you to have flood insurance.

#Fact2: Everyone lives in a flood zone

Floods are destructive—an inch of water is enough to cause property damage worth millions. That’s why every home or property owner in Littleton, CO needs to buy enough flood insurance. People who live in high-risk flood areas will pay more for flood insurance compared to people living in moderate and low-risk flood areas. However, there are specific measures every homeowner can take to prevent floods, like installing flood sensors, brick covers, and floorboards to keep floodwater out of your home.

#Fact3: Flood insurance has a 30-day waiting period

If you wait till floods hit your home to buy flood insurance, you will lose more than you thought you were saving.  Flood insurance has a 30-day waiting period where a policyholder cannot file a claim until the 30 days are complete. If flooding occurred during the waiting period, you cannot file a claim.

Need help buying flood insurance? Our dedicated insurance professionals at Front Range Insurance Services are here to help you find a policy that takes care of all your needs. Call us for a chat today!

What Does Recreational Insurance Cover?

If you’re planning your next adventure or getaway, but you want to make sure you’re covered and protected, you may want to consider recreational insurance. That way your RV and other toys won’t be a worry while you’re using them or when they’re parked for a little while during other activities. If you’re in the Littleton, CO area, Front Range Insurance Services can help you get the insurance you need for recreational vehicles of all types. Then you can have peace of mind, instead of worrying about your coverage or whether you have all the protection your vehicles really need.

This type of insurance can cover your RV, along with other types of recreational vehicles such as ATVs, side-by-sides, and more. You don’t have to settle for uninsured vehicles that you take out into the wilderness where something could happen to them. They could become damaged, or even be stolen. Naturally, those are problems you really want to avoid. Sometimes, though, issues appear even if you’re doing your best to avoid them. That’s why it’s so important to have good coverage, so you won’t spend any time worrying about proper coverage for the vehicles you want to enjoy.

Reach out to us today at Front Range Insurance Services if you’re in the Littleton, CO area and need recreational insurance. We can help you find the policy that’s right for your lifestyle and the adventures you want to have. Whether you have one type of recreational vehicle or several different ones you need to cover, our trained and dedicated agents are here to make things easier for you. We can answer your questions and help ensure you understand all your coverage options, giving you the opportunity to make an informed choice with the policy that will protect your recreational vehicles for the future.

Do I need boat insurance in Colorado?

While the Littleton, CO area may be known for being close to the mountains, which offers plenty of fun activities during the winter months, it is also a great place to live in the summer. During the warm months of the year, there are always plenty of places where you could enjoy your very own boat. When you are going to get a boat here, having proper boat insurance is important. There are a few reasons why you will need to have a boat insurance plan here. 

Insurance Protects Investment

A reason that you need to have a boat insurance plan is that it can protect your investment. Those that choose to buy a boat will want to be able to enjoy it for a long time. When you have a boat insurance plan, it will provide you with coverage if the boat is damaged or destroyed. This can help protect your investment and ensure you are able to repair or replace it.

Insurance Could be Local Requirement

In Colorado, there continues to be many places where you will be required to carry boat insurance to use certain marinas and waterways. These locations require it as it ensure you can pay for damages that you may cause in an accident. You may need to provide evidence of insurance coverage prior to use in these areas. 

If you would like to get a boat insurance plan when you are in the Littleton, CO area, it would be helpful to speak with someone that is experienced and that you can trust. The team with Front Range Insurance Services can help anyone assess their insurance needs. Front Range Insurance Services will be able to evaluate your situation and help you build a boat insurance plan that offers you the ideal protection. 

Should I get motorcycle insurance in Littleton?

In the Littleton, CO area, owning a motorcycle could be a lot of fun. These can be an efficient mode of transportation that you will be able to enjoy for much of the year. When you are going to purchase a motorcycle here, you will want to ensure that you have proper insurance in place at all times. There are a few different reasons why having motorcycle insurance is so important and needed in this area. 

Insurance is Needed to Ride Legally

A reason that you need to get motorcycle insurance when you are in Colorado is that it is needed to ride legally. If you would like to drive a motorcycle or any other vehicle in Colorado, you need to comply with the state laws about insurance. This includes having proper liability coverage at all times. Those without this motorcycle insurance could be in serious trouble if they are caught.

Insurance Needed to Protect Assets

You will also need to get motorcycle insurance in order to protect your assets. If you have a motorcycle here and do not have insurance coverage for it, you will be putting your entire investment in the asset at risk. Without a full motorcycle insurance policy, you would have to pay for repairs or full replacement costs if your motorcycle is damaged or stolen. This could be quite expensive in some situations.

Having a proper motorcycle insurance policy will always be an important necessity for people that are in the Littleton, CO area. The insurance professionals with Front Range Insurance Services can help you pick out an insurance policy. When you do call Front Range Insurance Services, you will get the insight that is needed to understand all of your needs and options, which will make picking the right policy a clearer choice. 

Why Colorado Residents Should Explore Recreational Insurance

Front Range Insurance Services helps Littleton, CO residents find the insurance coverage that they need to protect what matters most. As an independent agency, we will go the extra mile to make sure that our clients find the policies that they are looking for.

Benefits Of Recreational Insurance

If you own a recreational vehicle, it’s important that you protect your asset. Consider the benefits of recreational insurance. Recreational insurance will protect you if an accident happens while you are traveling around Littleton, CO, and the surrounding areas. Recreational vehicles include campers, ATVs, trailers, and multiple sizes of motorhomes.

The policy provides protection if you are involved in a collision with another vehicle or object. You can also amend your policy to cover your vehicle if you collide with an animal while you are traveling.

If you are traveling with others, liability coverage is an asset because you will be protected if someone gets injured. Liability coverage also protects you if you are held responsible for your recreational vehicle causing damage to someone else’s property. Keep in mind that you must add extra coverage if you plan to renovate your recreational vehicle or add some accessories. If you do not add extra coverage, you will not be protected if a natural disaster causes damage to your vehicle or if someone steals your camper or trailer.

During times when you are on vacation, add storage coverage so that you will be protected if a falling object damages your vehicle or a natural disaster happens in the area. The policy also covers your vehicle if you need emergency assistance due to your engine failing or a flat tire. You can also request towing services if necessary.

Consult With Front Range Insurance Services

Visit our website today to learn more information about recreational insurance.  

Boat safety tips while on your vacation

A day spent on the boat with your family and friends is refreshing. To achieve this, the safety of your family, as well as that of your boat is crucial. While it might not be entirely possible to control what happens on the water, you must be prepared for any eventuality. Buying a new boat or repairing one can be expensive. Please speak to Front Range Insurance Services agents in Littleton, CO, about boat insurance cover.

Boat safety tips while on vacation

  • Have a boat safety kit

Before going out for that ride, ensure your boat safety kit has all the essential items. These include a flashlight, first aid kit, a bucket, ropes, fire extinguisher, among others. Have a U.S. Coast Guard-approved life jacket for all the members on board.

  • Check for harmful fumes.

Every time you fuel your boat, check if all the hatches have any smell of harmful fumes. Do not start the engine if you smell any fumes. Accumulation of carbon monoxide in your boat could lead to all the guests in the ship becoming unconscious. Here are a few areas you can find accumulated gas: blocked exhaust pipes or ventilated canvas enclosures.

  • Follow proper docking procedures.

Always follow the proper docking procedures while out on the water. When close to the shore, ensure that the bumpers are out to prevent damage to your boat. Have docking lines secured while moving at a slow speed.

  • Do not overload the boat.

Every boat has its capacity restrictions. Overloading the boat with people or equipment could imbalance it, leading to accidents.

  • Have a boat insurance cover

Boat accidents rarely occur. It is, however, crucial that you protect your boat in case of unprecedented events. A boat insurance cover will protect you against financial loss if the boat is damaged or needs repairs. Your medical expenses are also covered if you experience an accident. At Front Range Insurance Services agents in Littleton, CO, we will customize a boat insurance policy that meets your needs. Please feel free to visit our website or give us a call for more information.

Is Your Vehicle Protected Against Disasters?

With natural disasters on the rise, it only makes sense to protect your assets with insurance. This includes your vehicle. The right auto insurance coverage can protect your vehicle against disaster damage or total loss. Here’s how auto insurance from Front Range Insurance Services works to safeguard your vehicle against disasters in Littleton, CO.

Types of Coverage

Auto insurance offers various types of coverage to include liability, collision, comprehensive and uninsured motorist. Liability coverage protects other drivers in accidents you cause. Collision insurance covers damage to your car caused by a collision. Uninsured motorist insurance covers damage caused by uninsured drivers.

Comprehensive insurance covers theft, vandalism, and damage caused by falling objects. Comprehensive also protects your vehicle against natural disasters.   

Types of Disasters Covered by Comprehensive Coverage

In addition to theft and vandalism, comprehensive insurance offers your vehicle valuable protection against natural disasters. This includes damage caused by floods, wildfires, tornadoes, hurricanes, hailstorms, and earthquakes, up to the limits of your policy.

If you own an expensive car, you can greatly benefit from the disaster damage protection that comprehensive insurance can provide. For optimal protection, make sure you get sufficient comprehensive insurance to cover the value of your car. You should also review any restrictions that come with this coverage to ensure there are no problems when it comes time to make a claim.

Colorado is prone to many types of natural disasters to include flooding which can lead to landslides, wildfires, tornadoes, and winter storms that can lead to avalanches. If you live or travel frequently to areas where these disasters are likely to happen, you can be prepared for any eventuality with comprehensive coverage.

To learn more about auto insurance coverage and costs in Littleton, CO, contact Front Range Insurance Services today. We’re here to meet all your auto insurance needs.

Term Life or Whole Life Insurance – Which is Better for Me?

When it comes to choosing a life insurance policy, it can generally boil down to two choices – term life and whole life. Term life, as the name implies, is only valid for a period of years – typically 15 or 20. What this means is that if you purchase a $1 Million 20-year term life policy than if after those 20 years you are still living the policy is no longer active. Conversely, whole life offers the benefit of being active for the remainder of your life or as long as the policy premium is paid. Additionally, whole life insurance also has an investment component that allows you to earn a little bit of interest every year of the policy. Any gains you accumulate are tax-deferred and you’ll have the opportunity to take a loan from the accumulated funds. Some whole life insurance policies pay an annual dividend so be sure to ask your insurance agency if that is an option you want to have. 

When it comes to choosing between the two, term life is going to be less expensive because it is only valid for a certain period of time and does not have a cash value that allows for borrowing. Whole life insurance will be costlier but the coverage lasts for your entire lifetime and has a guaranteed rate of return on a portion of the policy premium that you pay annually. 

At Front Range Insurance Services in Littleton, CO, we understand that choosing a life insurance policy can be a difficult and emotional decision. That’s why our friendly and professional staff is always ready to answer your questions and walk you through the decision making process. We encourage you to give us a call so we can walk you through all your life insurance options and help you choose the policy that best protects your loved ones. 

What is the benefit of getting commercial insurance for my Colorado business?

Littleton, CO is a community located near Denver that offers a lot of opportunities to residents and business owners. Those that open a business here and are willing to work hard could do quite well. Anyone that is going to start a business here should carefully consider their insurance needs. There are many benefits that are provided by commercial insurance. 

Protects Business for Liability

Any business owner is going to take on liability risk. If you have a customer that gets hurt or sick through the use of your product or service, you could be found liable and will need to pay for the damages that the person incurs. Fortunately, you can protect against this risk by getting a commercial insurance policy. When you invest in a quality commercial insurance policy, you are going to receive a certain level of liability insurance coverage.

Protects Business Assets

A business that invests in inventory, equipment, and other assets needs to make sure that they are protecting this investment. The most efficient way that you can do this is by getting the right insurance coverage. When you get a full commercial insurance policy for your company, you are going to receive coverage up to a certain point and level for your business assets. 

When you are shopping for commercial insurance in the Littleton, CO area, working with a team that you can trust and is experienced is very important. A great option to go to for your insurance needs is Front Range Insurance Services. When you speak with the team at Front Range Insurance Services you are going to receive the personalized support and guidance that you will need to find a policy that offers your company with the right type and level of coverage. 

First Time Homeowners: Colorado Edition

Whether you are a new resident to Colorado or been here for years, buying a home in the centennial state can be a unique process. Colorado has long been touted for its beautiful weather to include upwards of 300 days of sunshine and snow-capped mountains year-round, but what people might know – except for residents – is that the weather can wreak havoc throughout the year causing angst to many homeowners. Once you’ve found your perfect house, give Front Range Insurance Services in Littleton, CO a call for any of your home insurance needs.

Tip #1: South and Southwest Facing Driveways

Unless you want to be shoveling or plowing snow for hours, it is best to find a home with a driveway that faces South or Southwest so that the sun keeps it in check and melts most of the snow. Depending on where you live, your homeowner’s association may be responsible for plowing your street – not the city – so it can take hours for it to be done or the street might never be plowed. 

Tip #2: Hail Damage Coverage

Hail is notorious for damaging everything from cars to homes in Colorado with the typical season lasting from April through the summer. Consequently, don’t skimp on a homeowner’s insurance policy that doesn’t include hail because at some point fixing damage from hail will be a reality. At Front Range Insurance Services in Littleton, CO, we specialize in home insurance and will work to be sure that you are completely satisfied with the selected policy. 

Tip #3: Know Your Financing Options

With interest rates at an all-time low, there has never been a better time to get a mortgage but that doesn’t mean you shouldn’t comparison shop for the best rates. Additionally, if you are a veteran you are eligible for specialized programs that offer reduced down payments along with the Colorado Housing and Finance Authority which specializes in getting any income level individuals into a home.