Do I need to carry a home insurance plan when I am in Colorado?

For those in the Littleton, CO area, owning a home has been a good housing option for a long time. When you purchase a property here, you will benefit from long-term value appreciation and a consistent place to live. Along with your home purchase, it is essential that you get insurance as well. It would be best to carry a home insurance plan for many reasons. 

Meet Lender Requirements

One of the reasons you will need to have a home insurance plan in place is to meet your mortgage requirements. If you have taken out a mortgage to buy a home, you need to meet your lender’s requirements. This will often include having home insurance and establishing an escrow for ongoing payment. Home insurance will ensure you remain in good standing with the insurance provisions. 

Protect Assets

It is also important to get home insurance to protect your assets. A home insurance plan gives coverage in many situations when your property could incur severe damage, such as a fire or bad weather. The coverage can also support you to replace some personal items up to the policy limits. Ultimately, this provides ample financial protection as it can reduce your out-of-pocket costs. 

In the Littleton, CO area, it is essential that you get the right insurance for your home. When looking for this type of coverage, it can be a great idea to start by calling us at Front Range Insurance Services. Our Front Range Insurance Services professionals know how important this coverage is and can offer any guidance you need to select a new policy.

5 Things You Need to Know Before Buying Home Insurance

Buying home insurance for the first time can be challenging. There are so many different factors to consider and options to choose from. It’s essential to research and ensure you’re getting the best coverage for your needs. Here are five things you need to know before buying home insurance.

1. You Need to Choose the Right Amount of Coverage

One of the most important aspects of home insurance is choosing the right amount of coverage. You don’t want to underinsure your home, but you also don’t want to overspend on the coverage you don’t need. Work with your insurance agent to determine the right coverage for your needs.

2. It Protects Against a Variety of Perils

Home insurance protects against various perils, including fire, theft, vandalism, and weather damage. Choosing a policy that covers all of the perils you are concerned about is important. Otherwise, you could be left unprotected in the event of a claim.

3. The Cost Depends on a Variety of Factors

The cost of home insurance depends on various factors, including the value of your home, the amount of coverage you need, and the deductible you are willing to pay. You can get quotes from several insurers to find the best rate for your coverage.

4. It Requires Regular Maintenance

Home insurance is not a static product. To keep your coverage in force, you must maintain your policy and keep up with your payments. If you make any changes to your home, such as adding a new roof or renovating your kitchen, you will need to notify your insurer and update your policy.

5. It’s Not Required by Law

Although home insurance is not required by law, you may be required to have it if you have a mortgage on your home. If you do not have a mortgage, you are still strongly encouraged to purchase a policy. This is because home insurance provides financial protection in a disaster.

Home Insurance in Littleton, CO 

If you are considering buying home insurance, keep these five things in mind. By doing so, you can be sure that you are getting the coverage you need at a price you can afford. Contact Front Range Insurance Services today for more information or a quote. Our team of experts would be happy to help you find the perfect policy for your needs.

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. 

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.

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!

Homeowner’s Insurance in Fire or Hail Prone Areas | Littleton, CO

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.  


Benefits of Purchasing Home Owner’s Insurance through a Local Agency

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.

Winter driving tips to keep your auto insurance down in Littleton, CO

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.


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.


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.

What Does Home Insurance Cover Besides the Home Itslef

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.

Winter Storm Checklist

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.