Does Umbrella Insurance Expand My Auto Insurance?

You never know what life is going to throw your way. And even though you can plan as much as you want, there are many times in life that our plans go out the window. When the unexpected takes place, having the right type of insurance coverage can be the difference between being completely stressed and financially strapped and the ability to stay afloat. For now, let’s take a quick look at umbrella insurance. 

To understand umbrella insurance, let’s look at an example. Let’s say you were involved in an accident and it was concluded that the accident was your fault. Would the insurance policy that you have cover all of your losses and incurred expenses? With an umbrella insurance policy, you will receive additional coverage, but only once your existing limits are exhausted. 

Let’s say you have an auto policy with a liability limit of $500,000. You are involved in an accident, though, and the total cost to cover everything is $750,000. This means you will be left with $250,000 to come up with to pay for the damages and medical expenses. With an umbrella policy, you can receive the compensation you need once your auto policy has been exhausted. Please note that an umbrella coverage does not increase the amount your existing policies will pay out. Instead, it expands your coverage by providing you with another outlet for covering your expenses. This type of policy is very valuable.

If you would like more information about umbrella insurance and whether or not you should invest in it, please contact Front Range Insurance Services serving the Littleton, CO area. 

How Many Types of Insurance Can Be Covered Under An Umbrella Policy At One Time?

For years, business owners in Littleton, CO have learned the benefits of combining all of their insurance policies into a collective, umbrella policy that offers additional coverage over that of a regular policy. The agents of Front Range Insurance Services can help you evaluate your company’s needs and determine what type of policies you should have to fully protect your financial interests. They can also discuss with you the benefits of having an umbrella policy.

The Purpose of An Umbrella Policy

An umbrella policy is a term that is used to describe an insurance policy that provides additional coverage over and above what you may already have in place. Lawsuits, damages, and other types of liability may exhaust the level of coverage you have in place, but with an umbrella policy, the amount that exceeds past the original liability will be covered. 

The Benefits of One Policy Instead of Many

Rolling all of your insurance policies into one collective policy is sometimes referred to as bundling. When you bundle several policies together, many companies offer a discounted rate and higher levels of coverage. You can choose the types of coverage you want for your business and group them altogether resulting in a single, more affordable payment. If an umbrella policy is written, the amounts of your liability coverage will also be increased.

Lawsuits, personal injury claims, worker’s compensation, and other types of liability can be devastating for a business. In Littleton, CO, business owners are encouraged to call and schedule a review of their commercial policy to determine if an umbrella policy may offer a higher degree of protection. Visit their website or call the office today!

3 Tips for Purchasing Boat Insurance in Littleton, CO

If you own a boat, it is your responsibility to purchase the necessary insurance to protect your property. With boat insurance, you can feel confident that the investment you have made in your boat is protected, and that if you are ever in an accident with another boater, you’re covered. 

If you think that the process of purchasing boat insurance is too complicated, then you need to use the tips found here. 


Are you currently using Front Range Insurance Services serving Littleton, CO for other insurance needs, such as your auto or homeowner’s policy? If so, then you should consider bundling your boat insurance with the coverage you already have. This will help you get discounts and other cost breaks that going with a new insurance provider wouldn’t offer. 

Comparing Quotes

Before making a purchase for your boat insurance, you need to compare quotes. The good news is, there are a number of online services and comparison tools that will do this automatically for you. All you have to do is enter some basic information about your boat and the levels of coverage you want. Always look at all the options and don’t automatically go with the lowest price. This may leave you with inadequate coverage.

Choosing a Good Agent

Perhaps the most important thing you can do when purchasing boat insurance in Littleton, CO is to find a quality agent to work with. They will be able to help guide your purchase decision and make sure you get the coverage you need. 

If you are ready to purchase boat insurance, reach out to the professionals at Front Range Insurance Services. They can review the needs you have and help you get the right coverage. Keep this in mind and you will have a successful insurance buying experience. 


3 Reasons Why You Need Umbrella Insurance

 Umbrella insurance offers an extra level of security for you and your family if property, legal or medical damages extend past what your auto or home polices are set to cover. It will kick in at a higher dollar amount and will also extend to situations that involve lawsuits, foreign travel and even your pets.  If you are still on the fence regarding whether or not you should purchase umbrella insurance from Front Range Insurance Services serving Littleton, CO, read on to learn more about these policies and the benefits they offer. 

Protect Your Assets

If you have guests at your home and someone is injured, you may be held liable for the medical costs they incur, as well as other damages. For some homeowners, this may require them to sell off their assets if their insurance coverage is not enough. With umbrella insurance coverage, you can protect your assets by minimizing the possibility of having to liquidate assets if an issue arises that is deemed your fault. 

Peace of Mind

One of the most appealing reasons to purchase umbrella insurance is because it will offer you peace of mind. You will know that you are protected regardless of what might happen in the future.  

Save You Money in the Long Run

There are quite a few insurers that will provide you with significant discounts on the cost of the additional coverage. This will usually apply to you if you are buying the umbrella policy with the same provider that you purchased your auto and homeowners insurance from. Also, if an issue were to arise, having umbrella coverage could save you thousands and thousands of dollars, or more, which makes it well worth the small premium you pay on a monthly basis. 

If you are interested in purchasing umbrella insurance, contact the staff at Front Range Insurance Services serving Littleton, CO to see what policies are available. 


Do young, healthy people need life insurance?

If you’re a Littleton, CO resident who is healthy and young, and you don’t work in a dangerous field, then you may be wondering whether it’s worth the effort to call Front Range Insurance Services and sign up for a life insurance policy. The truth is it has less to do with things like your health, and more to do with your dependents. Do you have a family that relies on you for support, and what would their options be if you weren’t there?

Many retirees cancel their policies or, if it’s an option, they cash out, because their children are working age and there’s nobody who needs to depend on them for their financial support. These are people who are in their golden years, but their life policies simply become an unnecessary expense at a certain point.

Holding a life insurance policy puts your mind at ease when it comes to the people who depend on you. It ensures that, in the event of your passing, your loved ones will be taken care of. Life insurance really has very little to do with health and age, despite popular perception. Nobody really knows how long they’re going to live, and at seventy five you might still have another twenty years in front of you, long enough to raise a child from infancy to adulthood.

If you’re single with no children dependent upon you, then there’s not much need for a life insurance policy. This is true if you’re twenty eight or sixty eight years old. If you have children or a spouse or anyone who relies on you for financial support, then a policy with Front Range Insurance Services can help you to sleep a little easier, certain that your affairs will be taken care of.

How to File a Renters Insurance Claim for Fire Damage

In a perfect world, you would never have to file a claim with your renter’s insurance policy. But in the event something does happen, you want to be prepared and know what to expect. Here are some tips on how to file a renters insurance claim for fire damage in the greater Littleton, CO area, presented to you by Front Range Insurance Services. 

Document All of the Damage

Following a fire, you will want to document all of the damage. This includes making a complete list of any property that was damaged and taking pictures or video of the damage. This information is valuable when you are showing your insurance company what needs to be replaced and why. 

Contact Your Insurance Company

After you have documented the damage, contact your insurance company. They will ask you details about the fire, such as when and where it occurred and possibly even how it started. They may start a claim over the phone, or they may mail you papers to fill out and return. Either way, you will receive papers in the mail that need to be signed, dated and returned, so be sure to do this to prevent your claim from being denied. 

Retain Receipts

Following a fire, you may stay in a hotel and have to eat out, depending on the severity of the fire. Save all of your receipts, as most renters insurance policies cover these expenses. 

Stay in Contact With the Insurance Company

Lastly, be sure to stay in contact with the insurance company. Do not put off signing papers, calling them back or providing them with the requested information. They can deny your claim if you are no longer cooperating or it can cause delays. Stay in contact as needed to prevent unnecessary delays. 

As a renter, your property is not covered under the homeowner’s insurance in the event of fire, flood, theft or other incidents. As such, it is important to have renters insurance to protect your belongings. If you are looking to obtain a policy in the greater Littleton, CO area, call Front Range Insurance Services today. 

3 Reasons to Start a Life Insurance Plan for Your Child Today

Purchasing life insurance is not necessarily an enjoyable experience for anyone, but it’s certainly an important part of taking care of your family. Here are the top three reasons to start a life insurance plan for your child today.

1. You’ll lock in a great premium rate.

It’s well-known that when it comes to life insurance, the best premium rates can be locked in when you are young and healthy. And there’s no one younger or healthier than a child.

2. You’ll provide collateral for your child later in life.

As your child gets older, they may like to take out a line of credit for a car or a house. In this case, they’ll need collateral for the loan, and a whole life insurance policy that they’ve had since infancy or childhood can serve as solid collateral in this case. It can even be a source of quick cash if you end up purchasing a whole life insurance policy for your child and it has a feature for cash value.

3. You’ll put your mind at ease.

Life insurance is not something that people get excited to buy because it comes with the acceptance that terrible, unexpected events can occur in life. We don’t like to think about these things, but it’s also responsible to be prepared. Getting a life insurance plan for your child now can put your mind at ease.

Get in Touch With Front Range Insurance Services Today

Are you a resident of Littleton, CO who is looking for life insurance for your child? If so, get in touch with Front Range Insurance Services today. We serve the area of Littleton, CO and can help you find the perfect plan for your child today. We can even help you and your spouse get life insurance if you don’t have it already. Now is the time to purchase a life insurance plan that can put your mind at ease. Visit our nearest insurance agency location or give us a direct call to find out about your options.

The Pros and Cons of Business Insurance

Many small businesses are on the fence about whether they should buy business insurance or not. If you find yourself debating, making out a pro and con list may help you. At Front Range Insurance Services, serving the greater Littleton, CO area, we know this is a hard decision to make. This is why we are providing you with factual and honest pros and cons. Here are the top pros and cons of business insurance.

The Cons of Business Insurance

It Costs Money

One of the biggest downsides to commercial business insurance is that it is another expense. It costs money, and odds are, you will never end up needing to use it. As such, if money is really tight, you may want to gamble and play the odds and not obtain this type of insurance.

The Pros of Business Insurance

It Can Save You Money

The biggest benefit to business insurance is that it can save you money if you need to file a claim. While it is true that most people will not end up using their policy, if you need to, it can save you thousands of dollars. Business insurance protects against a variety of unforeseen circumstances, such as a partner dying or being unable to work, lose of income from storms, theft and vandalism. While this type of insurance is an added business expense, most businesses cannot afford not to have it.

If you have decided that business insurance, more commonly referred to as commercial insurance, is right for you, let Front Range Insurance Services, serving the Littleton, CO area, help you. Call us now to review policies and to obtain price quotes.

How to Spring Clean This Year

Every year, spring comes around and with it comes the idea of spring cleaning. Whether you have always done some form of spring cleaning or you have always had it on your list to do for your home in Littleton, CO, this is the year you are going to master it. Be sure to use these tips from Front Range Insurance Services for your spring cleaning. 

  • Dust everything. You will be surprised by how much dust builds up over the course of just a few months and if you have not done it in longer, it will be even worse. Spring is a great time to get rid of all of that dust and you will be able to breathe easier inside as a result.
  • Choose one or two projects to focus on. You do not want to overwhelm yourself with too many things on your list. Choose one or two things that are most important to you and make those a focus. If you finish them and want to do more, you can certainly do so but don’t overwhelm yourself at first. 
  • Get some help. You do not have to do all of this alone. You can ask family and friends for help. The tasks will be completed much faster and you will have a lot more fun doing it. Just be sure to offer the same in return.

Once you have made your plan for spring cleaning, you also need to make sure you have a plan to make sure your home is well protected. The best way to do that is with a home insurance policy. If you do not already have one, you can contact Front Range Insurance Services, serving Littleton, CO, for a free quote that meets your needs and budget. 

Understanding the Increase in Auto Insurance Rates

For the last three years I’ve spent spring break week enjoying a road trip with my family. This vacation always seems to happen right before my auto insurance renewal generates. This year was no different and like many of you I grumbled when I saw my premium. After all, I’ve had no accidents, tickets, or claims of any kind. Sigh.

For over 5 years Colorado has been experiencing increases on home insurance. Given our catastrophic hail losses and wildfires, most people understand these increases. However, we are just starting to see the beginning of industry-wide auto insurance rate increases. This is a national concern, but has significantly impacted Colorado for a number of reasons. I’d like to thank Safeco Insurance for sharing some of these reasons with their sales force.

MORE MILES: One reason is that we are driving more miles. Turns out I wasn’t alone on my spring break road trip. Encouraged by lower gas prices and higher employment rates, U.S. drivers drove 3.1 trillion miles in 2015 according to the Federal Highway Administration. That’s a record.

MORE NEW CARS: New car sales hit a record in 2015, just under 17.5 million vehicles sold, up 5.7 percent from 2014. The safety, technology, and convenience features are great – however the cost to repair or replace them isn’t cheap.

MEDICAL COSTS RISING: Along with the increase in severity and frequency of accidents, we are also seeing an increase in medical costs. From 2005 to 2013, the average cost for a bodily injury claim rose 32.1 percent, according to the Insurance Research Council.

MORE DISTRACTED DRIVING: I know this one doesn’t come as a surprise, but the number of distracted drivers on the road is on the rise. It’s hard to pinpoint exactly how many accidents are caused by distracted driving because accident reports don’t always cite if a cell phone or other distraction was a contributing factor. I’m sure that most of you can personally attest to witnessing all of the distracted drivers out there.

As I enjoyed my road trip to Great Sand Dunes National Park, I made an effort to be a focused driver. Between my two children (occasionally bickering in the back seat), my cell phone (alerting me for every email and text), my GPS, and the DVD player entertaining the children — let’s face it — there are plenty of distractions.

OUR RESPONSE: We take customer service seriously and many of our clients have told us that this is what sets us apart. We’ve implemented a new system that allows us to better monitor all client renewals. We are double checking and looking for any new discounts that might apply and we are taking advantage of our companies that offer usage based insurance programs. Our goal is always to find the right coverages at a competitive price.