Motorcycle Insurance: How Does It Work?

If you own a motorcycle, it is imperative to have motorcycle insurance. Most states require this kind of insurance coverage, so you’re protected while riding and in case your bike is ever stolen. Here is what you need to know about how motorcycle insurance works from Front Range Insurance Services, serving Littleton, CO.

What Is Covered by Motorcycle Insurance?

Motorcycle insurance includes a few different types of coverage, including liability, comprehensive, and personal injury. This coverage will protect you against damage and injury while riding, medical expenses if you’re involved in an accident, and against theft. 

It is not uncommon for some bikers to also purchase uninsured motorist and collision coverage. This will cover any costs associated with damage or injuries caused by another driver without sufficient protection or a collision.

How to Make Sure You Have Appropriate Coverage

As a general rule, if your state requires motorcycle insurance, it means you are required to have liability coverage. Coverage outside of this is usually optional, yet recommended. Due to the fact that you are more likely to suffer a serious injury on a motorcycle, personal injury protection should at least be considered.

Collision and comprehensive insurance is something else to consider, especially if you ride your bike on a regular basis. This simply ensures you are sufficiently protected in the event of an accident. As you select your deductible, keep in mind your potential out-of-pocket expenses to ensure you don’t find yourself in a financial bind if an accident occurs. 

If you need help determining the most appropriate motorcycle insurance policy for you and your bike, reach out to the team at Front Range Insurance Services, serving Littleton, CO.

Optional add-ons to a Littleton, CO recreational insurance policy

Your RV is special to you. Your recreational insurance should be just as personalized.

Most recreational insurance policies include similar features. Collision, liability, and personal property protection are all typically standard. However, you can customize these plans to suit your needs.

Front Range Insurance Services wants to help keep you on the road by finding you an individualized, personal plan. Serving Littleton, CO, the agency wheels out five common optional coverage types you can add on to any recreational insurance.

Roadside assistance

If a breakdown does occur, towing an RV is much more difficult than a traditional car. For this reason, roadside assistance can be invaluable. This coverage can also help with smaller issues, like fixing flat tires and locksmith services.

Emergency expenses

Similarly, you may incur some increased costs if you get stranded. Emergency expense policies will reimburse you for these. This could include meals, hotels, and additional travel.

Personal attachment protection

Personal property coverage is typical in most recreational insurance policies, protecting belongings inside the vehicle. By contrast, personal attachment addresses personal items outside the RV, such as awnings and satellite dishes.

Storage coverage

Make sure you’re covered even when your RV isn’t in use. This isn’t often necessary for full-timers. The policies mostly affect owners who use their RV for vacations only.

Residential liability

Accidents can occur when you’re stopped too. This version of liability specifically accounts for any incidents that may happen while you’re stationary or stopped at a destination. Available in recreational or full-time coverage, this kicks in if you are determined to be at fault.

Contact Front Range Insurance Services

Finding the right recreational insurance should be personal. Located in Littleton, CO, Front Range Insurance Services understands the importance of a plan that’s unique to you. Schedule an appointment today.

What Type of Coverage to Get for Your Watercraft

Do you need to get insurance for your watercraft? You’d do well to learn about the different types of insurance policies that are available for boats and other watercraft. An expert from Front Range Insurance Services of the Littleton CO area will help you figure out what you need and make some decisions. 

Choosing the Right Coverage for Your Needs 

There are several boat/watercraft insurance types from which you can choose. You may want to go beyond the basics for something that’s a bit more extensive in terms of what it covers. 

  • Watercraft liability coverage – This provides you with protection when it comes to medical costs, replacement or repair costs, a loss of income, and expenses towards a funeral if there’s a serious accident. 
  • Property coverage – If your boat is docked and becomes damaged after someone hits it, or you are involved in an accident with a boat or something else on the water, this covers the cost of damages. 
  • Emergency services coverage – This repays up to $100 in the event you need towing, delivery (of a battery, oil, or fuel), or any mechanical labor services. 
  • Uninsured watercraft coverage – This allows you to pay for any insurance that you or someone else on your boat receive after you’re in an accident with a boater who doesn’t have insurance. 
  • Watercraft medical payments coverage – When you have this coverage, it pays a portion of medical costs and funeral expenses if someone has an accident and is injured on your boat. 

There are other categories of boat/watercraft insurance that you can get. Reach out to Front Range Insurance Services of the greater Littleton, CO area so you can learn more today. 

The Ins and Outs of Motorcycle Insurance in Colorado

Open-air motorcycle rides can both be the beauty of owning a motorcycle as well as its downfall. While most motorcyclists ride motorcycles to feel free instead of being stuck inside a car, it can also put you and others in danger in certain situations. That is why you should always consider motorcycle insurance, so any type of accident can cover you and the drivers and pedestrians you encounter.

Front Range Insurance Services in Littleton, CO is proud to offer motorcycle insurance to residents in the following states:

  • Colorado
  • Minnesota
  • Washington

We work with several providers, which means you will receive an individualized quote that suits your needs, your driving style, and the area(s) you live and ride in. 

Your Needs

Buying insurance for your motorcycle can be difficult to process, as you might not always know what coverage you need. What type of motorcycle you ride, the type of driver you identify as, and what area you ride in influence how comprehensive your insurance needs to be. If you ride through the Colorado desert a lot, you might want to consider different coverage than when you ride through busy streets in Washington. 

Your Safety First

When it comes to your and other people’s safety, you should be prepared for any situation. No matter what, if you ensure to get insurance for both others and yourself being at fault, you will always be covered against damage to yourself or your own motorcycle, others, or their vehicle.

If you want to find out more about motorcycle insurance or receive a quote, call Front Range Insurance Services in Littleton, CO today. You can also request a quote via our website.

Should Your Life Insurance Policy Change After Marriage?

Marriage can change your outlook on life insurance. If you have no dependents in your home, it is normal not to have a life insurance policy. If you only have your children on your policy, you might want to add a new spouse. There are many reasons to change a policy after marriage.

Young couples often do not think about life insurance until it is time to make a life change. Front Range Insurance Services serving Littleton, CO can help you determine how to change your life insurance policy after marriage.

Does Your New Spouse Rely on Your Income?

Life insurance can protect a new and growing family. When you wed, you may split expenses. Your spouse may rely on your income to pay the bills, and you might rely on theirs. If your spouse passes away, you may suddenly be unable to keep up with life’s expenses. Life insurance can help you through this difficult emotional and financial transition.

Do You Have Plans for the Future?

Whether you plan to have children with your new spouse or you intend to buy a home in the near future, you want your family to have access to finances that will help them in the future. Life insurance can provide financial security.

Do You Have Many Insurance Options?

Younger people have many more insurance options, which is why so many people consider a life insurance policy early in life. Newlyweds should take some time to review the options, including term life insurance, permanent life insurance, and joint-life insurance policies. You should also consider whether you would have more coverage with separate policies.

Are you ready to check out your life insurance options in Littleton, CO? Front Range Insurance Services can help you find a life insurance policy.

Liability for Commercial Insurance: Why It’s Critical

Are you struggling to understand your liability coverage and why it is essential for your commercial insurance in Littleton, CO? If so, you aren’t alone. We at Front Range Insurance Services have helped many businesses like yours learn what they need to know about this type of insurance policy and how it can help you stay solvent.

How Liability Helps Businesses Avoid Problems 

Over the years, liability has become an essential part of most commercial insurance policies. This coverage option helps minimize various legal troubles and financial concerns by creating a comprehensive level of coverage for multiple issues. Just a few of the most common ways that liability insurance protects businesses like yours includes policy coverage options for: 

  • Bodily injuries suffered in your facility and caused by some neglect in your company 
  • Injury or financial loss caused by the failure of a service or one of your products 
  • Potential slander or libel claims by someone affected by one of your advertisements 
  • Damages caused by one of your drivers or delivery people during a standard delivery 

Each liability option will have a natural limit that you need to set with your insurance company to provide yourself with the highest level of possible protection. Talk with your agent about the extent of your business, how much you need to pay to protect yourself from this problem, and the various options available for you and your business’s operation. 

Find a Policy That Works 

Do you need high-quality liability help for your Littleton, CO business? If so, please contact us at Front Range Insurance Services to learn more. Our team will set you up with a policy that makes sense for your needs and will work hard to ensure that you are satisfied with what we have to offer you.

Most Overlooked Basics about Home Insurance

When thinking about building or purchasing your Littleton, CO home, homeowner’s insurance is something that should be at the back of your mind. When you buy home insurance from Front Range Insurance Services, it protects your dwelling and personal assets, provides liability protection and covers loss of use. While home insurance is an indispensable investment in your homeownership journey, here are the most overlooked basics about home insurance.

Ignoring these basics can land you in trouble when disaster strikes.  

Failing to review your home insurance plan

For many homeowners, what matters most is faithfully renewing their home insurance annually. While this is superb, there might be a problem when filing a claim. You will probably realize that your home insurance doesn’t cover certain aspects of your home that may have cropped up over the years.

As a rule of thumb, it’s pivotal to update your home insurance at least every year. Here are some triggers to help you know it’s time to review your home insurance. You should update your home insurance when you:

  • Add a family member or pet
  • Start a home-based business
  • Undertake significant renovations
  • Purchase or dispose of your assets

Failing to read your policy

Your policy document contains all the nitty-gritty of your home insurance coverage. Unfortunately, many policyholders are quick to sign the dotted line without understanding the details in the fine print. While we all don’t like reading the cliché terms and conditions label, your policy shouldn’t be a document to ignore. It can end up in tears when filing a claim when you find out that you aren’t covered.

Failing to update your inventory list

Most people undervalue their assets and, as such, don’t see the need to insure them. This might be catastrophic when disasters strike. If you want to see how valuable your assets are, conduct a room from room inventory count, and it will surprise you how much you own. 

Would you like more information about home insurance in Littleton, CO? Please contact Front Range Insurance Services. Our agents will be more than willing to answer any questions you might have. 

Importance of Auto Insurance Coverage

While numerous drivers within Littleton, CO sign up for auto insurance due to state requirements, legal compliance is not the only benefit of getting this coverage. Like other policies, auto insurance offers significant benefits, with Front Range Insurance Services discussing the importance of getting auto insurance coverage. 

Protects You and Other Parties

Auto insurance comes with multiple policies, with examples of this being bodily injury liability, collision coverage, and medical payment coverage. If an accident happens, each takes care of different scenarios, with the essential coverage features paying for 3rd party injuries, your injuries, and that of your passengers. With this in mind, auto insurance ensures that parties involved in an accident are taken care of, providing compensation for the ensuing treatment costs.

Protects Your Financial Assets

When you cause an accident and you are sued for injuries or destruction caused, you are likely to pay for damages, a factor that could result in financial turmoil. Auto insurance protects you against such events and will pay your legal fees and compensation awarded when you are found liable for accidents. This leaves your assets secure, keeping them protected when you incur significant damage and injury costs.

Gives You Peace of Mind

Mistakes are a common occurrence for every individual, whether you are at home or on the road. Rather than let life pass you by at the comfort of your home due to worry, auto insurance comes with the assurance that you are protected if you cause an accident or other motorists cause you harm. This means you can drive to your preferred destinations without fear, giving you peace of mind wherever you are.

Provides Compensation for Physical Damage

Property damage will often be a component of an accident, resulting in vehicle repair costs or replacement expenses. Auto coverage can help pay for these costs, protecting you from incurring any out-of-pocket expenses.

To get auto insurance with the above benefits, make it a point to call Front Range Insurance Services today for customized policies within Littleton, CO.

When is recreational insurance needed in Colorado?

The Littleton, CO area continues to be a great place to live. While you have access to a major city and metro area, there are also many nearby recreational activities that you can enjoy. One way to maximize your experience is by investing in a recreational toy. If you would like to get a recreational asset, having a recreational insurance plan should be considered a necessity for a few different reasons. 

When Financing Asset with a Loan

A situation when you will want to have recreational insurance is when you have taken out a loan. A recreational toy and asset can be expensive and there are some financing options available. If you have taken out a loan to buy one, the lender will want to know that the asset is protected until you have paid off the balance. A lender will likely have specific coverage levels that should be maintained.

When Trying to Protect Yourself

You should also get a recreational insurance plan when you want to protect yourself. Those that buy and use a recreational asset will take on liability risk whenever they take it out. If you cause any form of damage through the use of it, you will need to cover the damages. With a full recreational insurance plan, you are going to get the coverage you need to mitigate this risk. 

Anyone that would like to have a recreational insurance plan when in the Littleton, CO area will want to speak with someone that is experienced. As you are looking for coverage in this area, you should speak with Front Range Insurance Services. There are a lot of choices that are made when picking an insurance plan. The team with Front Range Insurance Services gives support that will help you understand your options and build an appropriate plan. 

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!