Insurance

Is Boat Insurance Applicable to Accidents When Transporting a Boat to and From the Water?

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Transporting a boat to and from the water is inherently risky. Even if you do everything right, there’s a chance another driver will collide with your trailer or vehicle. This is your guide to insurance when transporting a boat in or near Littleton, CO, courtesy of the professionals at Front Range Insurance Services.

Accidents When Hauling a Boat

There is a common misconception that boating accidents primarily occur on the water. Plenty of boats are damaged on dry land when being transported to and from the water. If the boat itself is damaged in transport, boat insurance is applicable. There is also a chance that auto insurance will be applicable if the vehicle and/or trailer are damaged. 

Boat Coverage

The typical boat insurance policy has coverage that applies to the boat itself. Any physical damage to the vessel is covered. The coverage is applicable regardless of whether the boat is in the water or on the road. What matters most is that the boat insurance policy has sufficient coverage. Set the right limits for your boat insurance policy and you’ll transport your boat with peace of mind.

The Issue of Fault

If it is determined that you are at fault for the accident, there’s a chance the boat insurance policy won’t provide compensation to offset the entire cost of damages. Some policies contain clauses that reduce or eliminate coverage if policyholder negligence is the cause of the damage.

However, in most cases, the insurance is applicable regardless of fault. The only caveat is that filing a claim after a boat is damaged might increase the monthly insurance premiums.

Sweat the Small Stuff for Trailer information

Take a close look at your boat insurance today. Read through the small print and you’ll move forward knowing whether your trailer is included in the coverage. In some cases, it is only the boat and not the trailer that is covered by the policy. Be mindful of this potential scenario and move forward with the help of Front Range Insurance Services.

Connect With Front Range Insurance Services Today

Serving Littleton, CO, our insurance team offers affordable rates and expansive coverage. Contact us today to get your quote.

Smart Insurance Add-ons for Motorcycle Riders in Littleton, CO

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Enjoying the scenery Littleton has to offer is the reason many riders choose to invest in a motorcycle. However, if you’re a motorcycle rider and owner, it’s essential to have proper insurance to protect yourself and your surroundings anytime you’re on the road. While standard insurance policies provide protection for collisions and liability, riders seeking additional peace of mind should consider smart insurance add-ons. At Front Range Insurance Services, we work with riders in and around Littleton, CO, to find the right motorcycle insurance ideal for their lifestyles and protection needs.

Custom Parts Coverage

One smart add-on insurance option to consider is custom part coverage. Custom accessory and parts coverage protects added chrome, saddlebags, tech upgrades, and even custom exhausts. Standard insurance may only cover a portion of the cost to replace and/or repair upgrades to your bike.

Roadside Assistance/Towing

Investing in roadside assistance and towing insurance is recommended for riders, even if you’re a seasonal rider. This can help whether you’re experiencing mechanical failures or a flat tire.

Trip Interruption Coverage

Planning to take a trip on your motorcycle? With trip interruption coverage, you may receive reimbursements for meal costs, lodging, and parts that break down anytime you’re on a trip or vacation. 

Working with the right insurance agent can go a long way in protecting your needs, whether you’re a year-round or a seasonal rider. If you’re a motorcycle owner in Littleton, CO, and you’re in need of motorcycle insurance, look no further than Front Range Insurance Services. To learn more about your insurance options and coverage needs, contact us for a quote and consultation. 

Life Insurance and Retirement: Preparing for the Future in Littleton

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You’ve traded paychecks for fixed income. The kids may be grown. The mortgage might be paid. But here’s the catch: your financial footprint didn’t vanish, it just changed shape. And in Littleton, where the cost of living keeps climbing and life keeps throwing curveballs, life insurance can still hold a powerful place in your long-term plan.

Front Range Insurance Services works with retirees and pre-retirees who want more than assumptions. They want protection that lasts as long as they do.

Life Insurance After 60 Isn’t Optional, It’s Strategic

The myth? Life insurance is only for the working years.

The reality? It becomes more valuable when you’ve got something to protect: a spouse’s stability, a legacy, or a buffer against long-term care costs.

Here’s what the right policy can still do:

  • Cover burial and final expenses without touching savings
  • Provide income for a surviving spouse if pensions or benefits drop
  • Unlock living benefits for chronic illness or in-home care
  • Preserve assets for kids or charities without triggering estate taxes

No fluff, just financial leverage where and when it counts.

Which Policy Fits Your Future?

This isn’t about one-size-fits-all. Retirement changes the game, and your coverage should evolve with it. At Front Range Insurance Services, we help Littleton, CO, residents make smart moves:

  • Convert old term policies into lifelong coverage before they expire
  • Reduce death benefits to lower premiums while keeping key protections
  • Add riders that let you access funds while you’re still alive
  • Structure policies for tax efficiency, especially if you’re drawing down other assets

You’re not insuring your income anymore, you’re insuring your impact.

Retirement doesn’t erase risk; it just shifts where it lives. Call Front Range Insurance Services in Littleton, CO, and get life insurance that works with your future, not against it.

What Does Business Insurance Cover?

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If you are a Colorado business owner, protecting your business assets and employees is essential. Purchasing commercial insurance is a key step in safeguarding your company. Some business owners may need assistance in selecting the best insurance portfolio for their unique needs. If your company is located in Littleton, CO, our team at Front Range Insurance Services is ready to meet with you and discuss your options. Since 2004, we’ve been helping businesses like yours find the right coverage.

What Does Business Insurance Cover?

If you’re a new business owner, you may not be familiar with what a standard commercial insurance policy covers. Every business in Colorado is required to have general liability insurance. This type of coverage protects your company from lawsuits filed by individuals who are injured on your property or by your company’s products. General liability insurance is a critical asset if someone sues your business.

Another key component of commercial insurance is property insurance. Property insurance covers damages to your building caused by weather events, fire, or vandalism. Colorado businesses are also required to carry workers’ compensation insurance and health insurance for employees. If your company owns vehicles used for business purposes, you must have commercial auto insurance. Optional coverage types include business interruption insurance, cybersecurity insurance, and umbrella insurance.

Call Us Today for Your Appointment

As an independent insurance agency, Front Range Insurance Services offers a wide range of insurance options to meet your needs. Businesses in the Littleton, CO area trust us for excellent customer service and reliable support. Contact us today to schedule an appointment and let us help you keep your insurance protection up to date.

Does Flood Insurance Cover ATVs?

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Flood insurance is often an additional policy that homeowners or renters acquire to protect their belongings in the event of a flood. However, it’s important to understand whether this coverage extends to your ATVs or if you need a separate insurance policy through Front Range Insurance Services.

What Does Standard Flood Insurance Cover?

Flood insurance is primarily designed to restore the structure of the house, making it safe and livable again. It typically covers repairs to the foundation and other structural components. Some policies may also cover essential elements, such as a furnace, water heater, or other necessary systems for living in the home.

Basic flood insurance coverage often does not include personal property or additional features of the house, such as carpeting. Homeowners may have the option to upgrade their policy to include personal property coverage, depending on the insurance provider.

Understanding Exclusions

Like all insurance policies, flood insurance comes with exclusions. It generally covers damage directly caused by a flood but does not extend to water damage from unrelated incidents, such as a burst pipe.

Many policies in Littleton, CO, only cover damage caused by floodwaters. For example, if a flood leads to earth movement and the earth movement causes damage, flood insurance may not provide coverage because the damage was caused by earth movement rather than the flood itself.

Additionally, most flood insurance policies exclude vehicles of any kind, including cars, trucks, watercraft (such as boats), and recreational vehicles like all-terrain vehicles (ATVs).

How Can You Protect Your ATV?

While flood insurance may not cover your ATV, there are other insurance options available. Recreational insurance can be customized to suit various types of recreational vehicles. In some cases, homeowners’ insurance policies may also provide coverage for recreational vehicles.

The type of coverage you need often depends on the insurance provider. At Front Range Insurance Services, we understand the importance of protecting your ATVs in the event of an incident, including natural disasters. Contact us today to discuss your concerns, and we’ll help you find the coverage you need. We proudly serve the Littleton, CO, area.

Is Umbrella Insurance Only For Businesses?

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Despite its name, umbrella insurance isn’t just for big companies or high-risk industries. This type of coverage is equally important for individuals and families. If you own a home, drive a car, or simply want to protect what you’ve worked hard to build, umbrella insurance through your insurance agent at Front Range Insurance Services, serving Littleton, CO, is worth considering.

The Role of Umbrella Insurance

Umbrella insurance provides additional liability coverage beyond what your standard policies offer. If you’re involved in a serious car accident, or if someone is injured on your property and sues, your home or auto insurance will only cover up to a certain limit. If damages exceed that limit, you could be responsible for the rest. Umbrella insurance helps cover that gap.

Why Individuals Might Need It

You don’t need to be a millionaire to face a million-dollar lawsuit. A simple accident—like a dog bite, a fall on your property, or a car crash involving multiple people—can lead to legal claims that exceed your basic coverage. Umbrella insurance steps in where other policies stop, helping to protect your assets, savings, and future income.

It’s Not Just for the Wealthy

Some people assume umbrella insurance is only for the wealthy. In reality, it’s an affordable way to get high levels of protection. Many policies start with $1 million in coverage and cost less than you might expect—often just a few hundred dollars a year.

If you’re unsure whether you need umbrella insurance, talk to your agent at Front Range Insurance Services, serving Littleton, CO. It starts with a simple conversation that could provide significant reassurance, regardless of your income or lifestyle.

What Littleton Entrepreneurs Should Know About Business Owner’s Policies

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Setting up your own business in Littleton, CO, can be exciting. As an entrepreneur, you may be learning along the way. What’s important, however, is that you don’t learn the hard way because of a financial mistake. At Front Range Insurance Services, we’re committed to helping you get the necessary insurance policies so you don’t encounter financial hardship.

Don’t Assume Your Insurance Covers It

One of the biggest issues we hear from entrepreneurs is, "I thought I was covered." Assumptions are dangerous because they can lead to massive financial liabilities.

For example, if you are a home-based business, your home insurance doesn’t provide you with nearly the level of protection that you think it does.

The best thing that you can do is sit down with an experienced insurance agent. That way, it’s a chance to talk about your business and learn about all of the risks. Once you know about the risks, you can determine what kind of insurance you need.

Business Needs Change

You may already have a policy and assume that your policies are fine where they’re at. Maybe they are, maybe they are not.

Your business may evolve. You may get a fleet of vehicles, start hiring employees, or expand your assets. Any time something in your business changes, your business policies should change, too. That way, you reduce the likelihood of one issue ruining you financially.

Explore the Right Policies for Your Business

Whether you are just getting started or you’ve been an entrepreneur in Littleton, CO, for years, let us help. At Front Range Insurance Services, our knowledgeable agents can talk to you about what’s best for your business. We can create a custom policy and get multiple quotes to ensure you get the most affordable premiums. Contact us today to let us help!

Introducing General Liability Insurance

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Protecting your Littleton, CO business requires more than a single commercial insurance policy. It requires a comprehensive policy package and general liability insurance (GLI) should form a fundamental part of that package. Front Range Insurance Services can help you build an insurance package that safeguards your finances from various types of settlements.

Defining General Liability Insurance

General liability insurance offers businesses financial protection when a customer, vendor, or other person or organization files a claim against them for:

  • Property damage
  • Bodily injury
  • Libel
  • Slander

While it may cover other types of liabilities, it does not cover liabilities created by a faulty product the company created. That falls under errors and omissions coverage.

What General Liability Insurance Covers

Let’s consider a few scenarios where GLI coverage applies. If a visitor to your store or office suffers an injury, for example, from a slip and fall accident, they should file a claim on your GLI policy. If kids playing ball in the parking lot break a window pane, damaging a customer’s property that you’re repairing, GLI’s property damage liability pays for the customer’s property.

A GLI policy protects both ways regarding libel and slander. This policy covers it if you make or write a defamatory statement about someone and they sue you. Conversely, if another person makes or writes a defamatory statement about your company, the reputational harm component of GLI protects your finances. Any claim of copyright infringement in marketing your company also falls under GLI’s protections. Besides the settlement costs, this policy covers legal defense costs.

Contact Us Today

Every brick-and-mortar Littleton, CO business needs liability coverage because they have on-premise visitors. Call or email Front Range Insurance Services today to start your policy.

Insurance Coverage for Recreational Boating Activities

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Are you planning to use your boat for recreational activities? If so, your standard boat insurance policy may not provide sufficient protection. You should consider the coverage you need for each recreational activity you and your boating companions will participate in.

Recreational Coverage Protection

Recreational coverage is designed to protect you during activities such as fishing, water skiing, towing, or any other leisure activities involving your boat. This type of protection covers you during active boat outings and may also provide protection when your boat is docked or towed. The amount of protection you choose should align with the level of risk each recreational activity poses.

The coverage amount should be adequate for the type of recreational equipment you own. The recreational insurance coverage you secure may cover the cost of repairing or replacing recreational equipment. Ensure that the value of your recreational equipment is taken into account.

Your Recreational Boating Assessment

A boating assessment will help you determine how much recreational coverage to obtain. Your recreational coverage may be categorized as follows:

  • Liability protection
  • Mechanical protection
  • Cosmetic protection
  • Cleaning and maintenance protection
  • Loss of use protection

Inspection Steps To Take

Your boating assessment should be conducted well before using your boat for recreational purposes. During the evaluation, inspect all the recreational equipment you plan on using on your watercraft. Consider the risk of someone getting injured while on board your boat. If you are transporting others who will be using recreational equipment, you will need adequate liability protection.

Contact an Agent Who Serves Littleton, CO

Contact one of our insurance agents from Front Range Insurance Services. They will guide you with the boat insurance you need.

Does Motorcycle Insurance Cover You When You Drive a Car and Vice Versa?

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Before you drive your vehicle in Littleton, CO, or attempt to rent a car or motorcycle, ensure you have the appropriate auto or motorcycle insurance policy. In this blog, Front Range Insurance Services will clarify a common misunderstanding about motor vehicle insurance.

Auto and Motorcycle Coverage Are Not Interchangeable

Auto insurance only covers driving automobiles, and you can use your auto policy when renting a car. Your motorcycle policy only covers your motorbike, and you can use it to rent a motorbike. However, they aren’t interchangeable. You can’t use a motorcycle policy to rent a car or an auto policy to rent a motorbike.

Although both auto and bike coverage contain liability coverage, you can’t use them on other types of vehicles. Part of this stems from the fact that different kinds of vehicles require different types of driver’s licenses, and riding a motorbike involves increased risk. The other part comes from auto insurance, specifically naming a vehicle. You must obtain auto insurance for each automobile you own, and they’re not interchangeable either, although you can use your auto policy to rent a vehicle.

An Example of How This Works

If you purchase an auto policy for your 2024 Dodge Challenger, you can’t buy a Chevy Corvette two weeks later and use the policy you purchased for the Challenger to cover it except to drive it home from the lot. You can contact your insurance agent to add coverage and create an auto policy package. Similarly, the coverage on your Harley-Davidson motorcycle does not cover you driving the Challenger or Corvette. That requires a separate policy specific to automobiles. In some states, insurance companies offer endorsements for the auto policy, and a policyholder can add an endorsement that covers the motorcycle.

Update Your Auto and Motorcycle Insurance Today

Contact Littleton, CO’s Front Range Insurance Services today for an insurance review of your auto and motorcycle coverage. Let us help you create an insurance package covering your motor vehicles.