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.
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.
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!
Buying homeowner’s insurance in Littleton, CO is something that requires a lot of research into the area that you own your home. Many factors contribute to the type of homeowner’s insurance policy that you may get. If you live in areas prone to hailstorms, wildfires, high crime, or even floodplains, you’ll want to seek help from an expert insurance agent like ours at Front Range Insurance Services
Hail Damage and Wildfires
In some ways, Colorado is similar to Florida in regard to a natural disaster. Florida has to protect themselves against hurricanes, while Colorado is an area that is more likely to experience high levels of damage due to wildfires and hail. Colorado is ranked in the top ten states of catastrophe related claims, according to an Insurance Research Council Study.
The Homeowner’s Insurance Reform Act of 2013 addressed this regarding claims for wildfire victims and hail damage. This act requires that all mandates are written in plain language for all to read and that the mandates are reviewed and updated every two years.
The Task Force on Wildfire Insurance and Forest Health ensure that continuing education of the risks and the ability to get good insurance at a fair price come first. Front Range Insurance Company keeps up with all of these laws and changes and any insurance policy that you have with us is given great consideration of all of this so that you may have the best possible insurance policy in Littleton CO.
Call for Complete Homeowner’s Insurance Policies in Littleton, CO
It’s important to remember that not all home insurance policies are the same. We will review all the details with you. We will survey the area that your home is located and make sure that you have the necessary protection in case of a catastrophe. Speak with a representative at Front Range Insurance Services. We will answer all of your questions and you will walk away with an excellent insurance plan. Call us at 303-951-5982.
Front Range Insurance Services provide the expertise that you need when looking for the best home owner’s insurance for your needs. If you are located in the Littleton, CO area, we are here to help you with all of your insurance needs. Home owners are often confused about the exact policies that best fit their needs, and the amount of coverage that they require. The professional agents at Front Range Insurance Services have the experience and expertise necessary to help you get the correct amount and type of insurance that you need. We are a part of the Littleton, CO area and appreciate the trust that our clients place in us.
In addition to determining the best type and amount of insurance necessary, a local agent can also be there in the event that you need to file a claim. Unforeseen events happen and knowing that you have an agent right here in the Littleton area to help you with the process can give you some extra peace of mind. The claims process can be confusing that the amount of paperwork that needs to be completed can be time consuming.
When there is damage to our homes, it is stressful enough without having to worry about whether you have adequate coverage, and how to get a claim filed. Having a local agency available to provide their assistance can really make a difference. The claims filing process can be streamlined and headache-free when there is an experienced and knowledgeable agent walking you through the process. Having someone local to your area that is more than a voice on the phone will really make a difference. It is good to know that you do not have to go through the process alone.
Located just outside of Denver, Littleton, CO is a small suburb which pretty much requires its residents to have a car to get around. And if you have a car, then you will need some form of auto insurance to protect yourself and others on the road. However, since Littleton is at the base of the Rocky Mountains, it experiences all types of extreme weather, especially in winter, which can make auto insurance policies all the more necessary and expensive. Below are some winter driving tips for protecting yourself during these times of year in Littleton CO, so you can keep your auto insurance policy premium with a local broker like Front Range Insurance Services lower.
Chains on your wheels will do a couple of things. It will allow you to have more traction on the road and have less chance of sliding off the road and having an accident. Chains break up ice as well. It will also keep you from driving too fast, which is one of the main reasons accidents occur in the first place.
HAVE A FOUR WHEEL DRIVE VEHICLE
Having a four wheel drive vehicle in the winter in Littleton CO will give you more traction and control on slick roads during winter months, making you less likely to have an accident. So if you have a four-wheel drive vehicle or are considering getting one, you will be much better suited for these winter months.
GOOD TREAD ON YOUR TIRES
Having some good tread on your tires will help you to have more traction on the roads and not slide off when you brake or take a sharp turn in a place like Littleton in the winter. Bald tires offer no traction and cause you to slide, which could lead to an accident.
Home insurance covers any residence from a wide range of instances. It does not however only cover the home, there are a wide range of other coverage that your home insurance can help cover. For those in the Littleton, CO area, the agents with Front Range Insurance Services can help you find out just what your policy covers.
For starters, your home insurance policy also covers medical bills of those that are injured on your property. Say for instance someone is on your property and your dog bites them. Your home insurance can help pay for medical bills associated with the incident.
On top of all of that, your home insurance also covers the items inside of your home. Televisions, jewelry, any cash you have on hand, and more are all covered under the contents part of your policy. This can be altered as you acquire or get rid of items. Your home insurance also covers damage that is associated with break-ins.
Your home insurance covers so much more than just your home and your agent can help explain exactly what your insurance policy is going to cover. You can talk with your agent about what your policy covers and about what extra coverage you might need in order to be fully covered from all incidents. For those in the Littleton, CO area, the agents with Front Range Insurance Services can help you find out just what your policy covers and can help you understand that your home insurance does more than just protect your home.
As the temperatures continue to drop, the chances of a strong winter storm increase. Are you and your family prepared? At Front Range Insurance Services of Littleton, CO, we want our clients to and their homes to stay warm and well-protected all season long. Use this checklist to ensure that you and your home are ready for the next blast of cold weather.
Protecting Yourself During a Storm
While it may not be possible to avoid a winter storm, you can prepare yourself for it in advance with an emergency kit including:
- One gallon of water and non-perishable food per person for at least three days.
- Flashlight, radio, and cell-phone charger.
- Medical supplies and prescription medications.
- Sanitation items including hand sanitizer, paper towels, and plastic bags.
- Warm clothing, blankets, and sleeping bags to use should you lose power.
Protecting Your Home During a Storm
You can also prepare your home in advance of a winter storm:
- Check smoke alarm batteries and ensure that everyone in the family knows how to use the fire extinguisher.
- Insulate water pipes and allow faucets to drip to avoid freezing pipes.
- Have a contractor check your roof’s structural ability to withstand the accumulation of heavy ice and snow.
- Winterize your home by replacing weather stripping under doors, insulating walls and attics, and caulking windows.
- Have the heating system and chimney professionally cleaned and inspected.
- Clear the roof and gutters of debris, leaves, and branches.
By keeping an emergency supply kit handy and performing regular winter maintenance on your home, you will have peace of mind knowing your home is ready for the next winter storm. In the event that your home is damaged during a winter storm, the professional agents at Front Range Insurance Services of Littleton, CO are here to help.
Here at Front Range Insurance Services in Littleton, CO, we know the importance of getting your home ready for the winter. As such, we have devised a short checklist of things that you need to do to keep your home protected in the colder months.
You might not think about this, but caring for your shrubs and trees is an important aspect of winterizing your home. They need to be properly pruned to avoid any limbs or entire trees from falling during winter storms.
Rake the leaves and get them off the ground. While they might appear to be beautiful, they can inhibit growth in the spring.
Clean your down spouts and gutters. DO this after most of the leaves have hit the ground. During rain or snow storms, gutters that are clogged can lead to water and/or snow piling up and this can damage your siding and/or roof.
Make any necessary exterior repairs. Walk around your home and look for signs of damage to things like the foundation, siding and roof. If you spot any issues, make sure to get these taken care of before the cold weather hits.
Check outside your home for even the tiniest of gaps. Mice are tiny critters and they get cold too. They will take advantage of any accessible gaps to create a nice, warm place for themselves. If you find any gaps, make sure to fill them before it gets cold.
Check your driveway and any stairs, railings and walkways for winter safety. When everything is snow covered, just walking from the car to the door can be a challenge. Make sure the drive is in good shape for easier shoveling and any stairs or walkways are even and the railways are sturdy enough to get a good grip on in case of a slip.
When you’re moving, packing can be a huge expense. Even if you choose not to hire help, there are a lot of costs involved in buying boxes, packing tape, and securing everything in a truck. If you’re planning a big move, then read through this list of ways to save money.
- Avoid buying boxes. If you’re moving locally, it might make more sense to move items in multiple trips instead of moving them in one big move. Not only will this unpacking more manageable, it will also let you reuse boxes and other moving supplies. Also consider using other containers, such as large buckets, plastic storage boxes, and laundry baskets to avoid buying cardboard boxes.
- Sell your stuff. If you’re moving across the country, then you’ll probably pay per pound to move your stuff. Consider if the cost of every item in your house to move it. If you wouldn’t pay that much to keep the item, or if it’s cheaper to buy a new one when you arrive, sell or donate it. Purging your home in this fashion can shave thousands of pounds off of your move.
- Use your towels and washcloths. Instead of packing these separately, place a washcloth between your plates and bowls instead of packing paper. Use bath towels as small moving blankets for lamps and photo frames. Sheets and blankets can be used to protect large items of furniture.
Of course, make sure you remember to give the agents at Front Range Insurance Services a call before your big move. They can help you update your policy so that it’s ready as soon as you move in.
Living in Littleton, CO can be a beautiful thing. There are gorgeous waters and sandy beaches, along with swaying palm trees, warm weather, and that brilliantly sunny, blue sky. It’s a picture-perfect, postcard kind of place. Still, even the best places can have bad weather from time to time, and Littleton is no exception. With the risk of tornadoes, hurricanes, and severe thunderstorms, it’s a good idea to make sure your house is ready for any kind of emergency that could occur.
One of the ways you can do that is to make sure you and your loved ones can see to get around safely in an emergency where the power goes out. Flashlights, battery operated lanterns, and flameless candles all work as guides to move around safely in the dark. By keeping these items and extra batteries stored within easy reach in each room, you can quickly find what you need. You may also want to have a battery operated or hand-crank radio, to get news and information about what might have caused the power outage.
Another thing you can do to protect your home from emergencies is make sure your homeowners’ policy is up to date. While that won’t stop a problem from happening, it can keep you from experiencing too much financial harm when you have to make repairs to your home after a hurricane, fire, or other type of event. When you get a home insurance policy from Front Range Insurance Services, you also get the peace of mind and personal service that comes from working with a local agent and company. That can be the best choice for any Littleton homeowner who wants to make sure they’re protected and that their home is ready for any emergency that may come their way.