Can I Attach An Umbrella Insurance Policy With My Home Insurance Policy?

Littleton, CO is the home of Front Range Insurance Services. We diligently endeavor to offer comprehensive products to serve your entire lifestyle. There is no need to work with various insurance agencies when you can have all of the protection you need at one location. 

We Strive To Catch It All

Umbrella insurance is the extra added protection that you don’t have with a standardized policy. Our agency strives to be comprehensive in terms of covering every facet of your individual lifestyle. Whether you own a business or are employed at someone else’s company we want to cover every base with what you might need to protect. That is how umbrella insurance works.

As a homeowner, you can have a standard policy of insurance and add an umbrella policy in the event that your liability may exceed the standardized amount. You may choose to add an umbrella policy to your home insurance policy if there are extenuating circumstances that may leave you in a more vulnerable position than average. This situation is best discussed with your insurance agent. They will be able to determine with your assistance what facets of your life may constitute the need for extra protection. It may be professional reasons or the value of some items in your home. It may also be that you require extra protection due to the location and logistics  of your home 

Front Range Insurance Services is located in Littleton, CO 80120 we welcome you to come in and speak with one of our professional and efficient agents today. We also service the following products:  recreational insurance, flood insurance, automobile insurance, life insurance, motorcycle insurance, boat or watercraft insurance, and commercial insurance. Call us today to discuss how we can serve all of your insurance needs.

 

I Only Use My Recreational Vehicle During Certain Seasons — Do I Need Year-Round Insurance Coverage?

When it’s time to move your seasonal ‘toys’ into or out of storage for the summer or winter, what should you do with your insurance? If you are storing your recreational vehicle for several months out of the year it may be tempting to think about canceling your recreational vehicle insurance. After all, why pay insurance while it’s not being used, right? Wrong. There are several good reasons to keep your insurance policy active. The experts at Front Range Insurance Services explain below. 

Canceling your insurance isn’t likely to save you money. Most seasonal recreation vehicles such as RVs, motorcycles, all-terrain vehicles, and boats are rate-adjusted for seasonal use in Littleton, CO, meaning that while your coverage is year-round, your premiums are based on the typical time frame the seasonal vehicle would normally be used. 

Protection for your recreational vehicle while in storage. Just because your vehicle is in storage doesn’t mean your toy is safe. Risks such as theft, vandalism, fire, or storm damage can happen at any time. It’s important to have year-round coverage so that you’re protected against any possible damage or loss. 

Liability protection. If you canceled your coverage and someone was injured on or while using your property, you would be held responsible for any injuries and their medical expenses.  

Build your history of insurance. It is important to demonstrate that you have carried continuous insurance coverage over extended time periods without lapse for several reasons. Continuous coverage demonstration helps you build and maintain a history of insurance and a record of your claims status. Without that, your ability to get insurance in the future or to get the best rates available may be negatively impacted. 

To learn more about your insurance for your seasonal toys during the off-season or winter months, call the Littleton, CO insurance experts at Front Range Insurance Services today.

Why do I need boat insurance all year long if i only use my boat in the winter?

Boating in Littleton, CO isn’t just a way to pass the time; it’s a popular past time enjoyed by many of the residents, who take every chance to enjoy the beautiful scenery in the area. Unfortunately, you can’t be out on your boat all year round, so there are times when you have to put your boat in storage to keep it out of the elements.

You might be wondering if you really need to carry insurance all the time, or if you can save money by only paying for the months you get to use your boat. There are some important reasons why you should get your policy through Front Range Insurance Services for the entire year.

Do you still owe money on your boat?

If you do, you are likely required to carry a certain amount of insurance on your boat until it is completely paid off. At this time, you are sharing the risk with the people who loaned you the money for the boat, and they have a right to have their investment protected.

There are still risks in the winter months

There may actually be more risks, in some ways. If you keep your boat in a boatyard, there probably aren’t as many people around in the offseason. That means it’s more likely that people will feel safe to commit vandalism or theft. An accidental fire might grow out of control because it is not noticed as quickly, and there could be other dangers like weather disasters in Littleton, CO.

You could receive incentives for keeping your policy year round

You might get a reduced deductible or other discounts for your loyalty. If you have any questions about boat insurance, please feel free to call Front Range Insurance Services today.

Why Colorado Motorcycle Owners Need Uninsured Driver Coverage

If you own a motorcycle in Colorado, including the greater Littleton, CO area, it’s time to make sure that you have the comprehensive coverage that you need. The team at Front Range Insurance Services understands the pleasure that comes with owning a bike and the high level of responsibility that motorcycle owners must take to protect themselves.

There Are Many Irresponsible Drivers Out On The Colorado Roads!

Even though you are a responsible motorcycle owner and driver, it does not mean that everyone out on the road shares your integrity. Unfortunately, there are motorists who do not have insurance but still continue to drive on a regular basis. Don’t let their negligence cause you undue harm and despair. By adding Uninsured Driver coverage to your motorcycle policy you can make sure that you are protected in the event of an accident or mishap with a driver who does not have vehicle insurance.

Seeing the natural beauty of Colorado from a motorcycle is truly a special experience and one that should not be ruined by people not following insurance laws. With comprehensive motorcycle insurance you can protect your motorcycle as well as yourself and your passengers, no matter what may happen out on the road. Liability coverage is not enough and may leave you financially responsible in the event of a collision with a driver who does not have coverage or who is under-insured. Find the right policy that meets all of your coverage needs!

Now is a great time to make sure that all of your motorcycle insurance coverage is complete and up to date! If you are in the greater Littleton, CO area, call or stop by Front Range Insurance Services today and find out more about the importance of uninsured driver coverage.

5 Reasons Why Life Insurance Is Important When You Are Young

While there are a number of young people in Littleton, CO who meet with Front Range Insurance Services, they are not always aware of the importance of life insurance during the earlier stages of adulthood. To find out more about the five reasons why life insurance is important when you are young, be sure to read on and learn more.

1. Less Expensive

Buying life insurance at a younger age comes with one obvious benefit: a much lower price. The younger you are, the less you can expect to spend on a life insurance policy. Those who are young and in peak health do not pose the same level of risk to the insurance company.

2. Avoiding Costly Funerals

Death is unexpected and when we do not obtain a life insurance policy, we are leaving our friends and loved ones with a sizable bill to take care of. Even a smaller life insurance policy gives your loved ones the financial assistance they need in this regard.

3. Built-In Savings

Term life insurance and whole life insurance both provide savings benefits for young people. Term life comes with a cheaper premium but whole life insurance allows a young person to enjoy greater savings over time. Since you will eventually need to purchase such a policy, why not get an early start?

4. Caring For Your Children

Once you have a child of your own to look after, a life insurance policy is an absolute must. Making sure that your children will be taken care of in any worst-case scenario is in your best interests.

5. Supplementing Your Employer’s Insurance Policy

The life insurance policy that your employer provides may not provide all of the necessary protection. If so, this is an indication that you should be purchasing your own before your employer benefits become woefully insufficient. 

Young people who reside in Littleton, CO and the surrounding areas who would like to learn more about the importance of life insurance should pick up the phone and give Front Range Insurance Services a call as soon as possible. 

Is My Separate Workshop Covered in My Homeowner’s Policy?

If you are like many homeowners, you may have purchased a home insurance policy when you first moved into your house and not given it a moment of thought afterward! As the years progress, your home insurance needs may change, while many circumstances will remain the same. If you have a base home insurance policy it will include liability coverage, coverage for your belongings, and will include your dwelling structure as well as any outbuildings included on your property. The team at Front Range Insurance Services is proud to serve the greater Littleton CO area and provide the knowledge and assistance that can help you effectively manage your insurance portfolio. 

All Structures on Your Property Are Covered With a Comprehensive Home Insurance Policy

There are many homeowners that have a detached garage, workshop, or shed that are separate from their main dwelling structure. It is typical for your base home insurance policy to cover all structures located on your property, excluding a few certain uses. If you are unsure if your workshop is covered by your base policy, it is always a good idea to have your home policy reviewed for completeness and to ensure that your coverage levels are adequate. As long as you are not using your workshop for a prohibited purpose, the structure will be included in your home insurance coverage. Knowing that you have adequate protection and coverage of your home and your belongings is a great way to set your mind at ease and concentrate on your family!

Are you ready for a comprehensive home insurance review? Contact us at Front Range Insurance Services to schedule a consultation today. We are proud to serve the insurance needs of our friends and neighbors in the greater Littleton, CO area!

Three common types of commercial insurance.

Considering the different unique features of businesses, commercial insurance differs considerably from one business to another. Getting a basic commercial insurance policy is definitely a great idea. Nevertheless, having a few specialized add-ons on your coverage may be of great help.

The basic commercial insurance policies include property and liability insurance since these are the standard and crucial coverage for most businesses. There are various categories of commercial insurance policies and as a business person, understanding these three common types of commercial insurance can help safeguard your business.

1. Business owner’s policy

A business owner’s policy provides various types of commercial insurance and is believed to be very affordable. The cost of purchase for this coverage plan is usually lower than buying the coverage separately. Deciding whether the BOP is the right option for your business, however, depends on the nature of your business since professional liability insurance, workers compensation and auto insurance are not encompassed in a distinctive BOP policy.

2. Business property insurance

This insurance cover protects your business property from any damages. It is suitable for services and retail businesses. They are commonly intended to guard structures and office inventory or documents.

Since not all policies will properly cover all your property, purchasing additional property coverage is very important to cater for any unexpected risks. Add-ons such as builder’s risk insurance, machinery insurance, and crime insurance which commonly not included in a basic policy are to be considered for any business or corporation.

3. General liability insurance

In general, with a business emanates a lot of liabilities. All businesses however big or small they require some form of general liability. General liability covers a range of indemnities to third parties or their property. Getting enough liability coverage will be of great help to you and your business. In addition, purchasing add-ons than what the general liability policy offers including errors and omission coverage, commercial auto insurance, malpractice insurance, and cyber liability will help cover many more costs.

At Littleton, CO, Front Range Insurance Services, we offer commercial insurance services for all kinds of business. Our experienced and dedicated team is always ready to assist you. Visit us today for a swift process and insurance advice.

Differences Between Whole Life and Term Life Insurance

If you’re the primary breadwinner for your Littleton, CO area family, chances are you worry about what could happen to them when you pass away. A life insurance policy offers a financial safety net for your family to fall back on during those tough times. Front Range Insurance Services can help you choose between a whole life and term life insurance policy.

What Whole Life Insurance Offers

Whole life insurance provides lifelong coverage in case the unthinkable happens. Since the policy remains in effect throughout your entire life, this ensures that your named beneficiaries will receive their benefits no matter when you pass on. In addition to paying out upon death, a whole life insurance policy also accumulates cash value that can be borrowed against or withdrawn throughout the life of the policy. Whole life insurance plans typically carry a higher initial cost, but those costs will decrease the longer your policy is in force.

What Term Life Insurance Offers

While a typical whole life insurance policy covers you for your entire life, a term life insurance policy only covers you for a specific period of time. You can choose how long the coverage lasts, from a 1-year term to a 30-year term, in most cases. Term life insurance policies also lack the ability to accumulate cash value and only pay out death benefits if you pass away during the term. Term life insurance policies offer an affordable option for first-time life insurance buyers. When you’re ready to step up to a whole life policy, you can have your existing term life policy converted.

The agents at Front Range Insurance Services can help you choose the life insurance solution that best fits you and your family’s needs. We proudly offer our services throughout the Littleton, CO area, so contact us today to receive a quote.

What Does Renter’s Insurance Cover?

For those renting a home or an apartment there is really no law that requires you hold any sort of insurance policy to protect belongings. In the cases where individuals do not have any policy, they take the risk of having to deal with the consequences should something terrible happen to their rented home. There are ways to prevent this type of issue however with a simple renter’s policy. For those that live in the Littleton, CO area, the agents with Front Range Insurance Services can help.

Renter’s insurance first and foremost acts much like a homeowner’s policy would should there be something like a fire, a break in, or other destruction of personal belongings. When you enter into a lease agreement the land lord is not responsible for the cost of replacing your items should they become destroyed. It is always helpful to have a renter’s policy in place to protect your property.

A renter’s policy covers things like personal property up to a certain dollar amount, it may help cover the cost of a hotel room or temporary housing until you find a new place to live, it will help cover medical costs and more. These are all things that you should think about if you are renting as you will have to pay out of pocket if you do not have any coverage.

A renter’s policy is an easy and often inexpensive way to prevent total destruction of your personal property and the need to start over again if something were to happen. You can speak with an agent at Front Range Insurance Services if you live in the Littleton, CO area to find out more about what type of renter’s policy is right for you and your particular needs and situation.

How much condo insurance do you need in Colorado?

Condominium insurance is unique in that it requires more assurance than the average renter’s indemnity policy but not as much coverage as you would find in a standard single-family home plan. Front Range Insurance Services can help you find the policy that is best for your condo in Littleton, CO.

You need dwelling coverage

Even though you have certain benefits through the housing association, there are still areas where you are left to your own devices when tragedy strikes. You may find yourself at a financial loss if you do not obtain dwelling coverage that pays for interior repairs in the instance of a flood or fire. It is best to have a policy worth at least 25 percent of the home to ensure the bare minimum of financial stability.

Personal property insurance is necessary

As with renter’s insurance, personal property coverage for your condo pays for items lost or stolen inside of the residence. It is especially keen for you to invest in this sort of plan when you have valuables that total upwards of $10,000. Those with large electronics, such as computers and big screen televisions, may also find this sort of policy useful.

Liability coverage is essential

Negligence is often not intentional but, nevertheless, costly. Whereas the property owner is responsible for injuries sustained on the property when you rent, you as a condo owner are financially responsible if a family member or friend is hurt while visiting you in your home. It is best to obtain liability coverage that is no less than $100,000. Many condo owners in Littleton, CO have policy limits for upwards of $300,000.

Front Range Insurance Services can make sure that you have the right indemnity plan. Contact them today for a quote!