Do I Need Boat Insurance?

You work hard for your money and when you decide to spend some of it on a boat, you want to ensure that your investment is protected. Whether you have a small canoe or a million-dollar yacht, you will want to have peace of mind knowing it can be repaired or replaced if a disaster or theft occurs.

While most states do not require boat insurance, that does not mean you should not have it. In Colorado, liability insurance is required for your auto but not for boats. However, some marinas may require you to have insurance coverage before they will allow you to store your boat there as part of the lease agreement.

If you finance your boat, your lender may require that you have at least liability insurance. The amount of insurance must cover the full value of the boat so if it catches on fire or sinks, the bank will not be out their money and you can purchase a replacement boat. Some homeowner’s insurance policy will cover your boat but is normally limited to boats that are under a certain amount of value and size. Boat insurance policies are unique and designed for the special needs of boat owners.

Many boat insurance policies are referred to as "All Risk" policies, meaning they provide coverage for a broad spectrum of incidents that can affect your beloved boat, such as vandalism, lightning, and hail, a fire, theft, or if your boat sinks or is involved in a crash. You will have to add to your policy to cover your fishing gear and other personal items that you may leave on your boat so they can be replaced if a disaster occurs.

To find out more information about boat insurance to protect your investment, call upon the knowledgeable and experienced agents at Front Range Insurance Services in Littleton, CO for all of your boat insurance needs.

How can a Colorado motorcycle insurance policy protect me?

Those that live in the Littleton, CO area will enjoy the beautiful scenery and nice weather most of the year. To enjoy it to its fullest, many people would love to take a motorcycle out and enjoy the surroundings. When you are looking to do this, it is important that you have motorcycle insurance as it can protect you in many different ways. 

Ensures that you have Liability Coverage

One way that a motorcycle insurance policy for someone in the Littleton, CO area can protect them is by providing liability coverage. Whenever you operate your motorcycle, there is always going to be a small chance that an accident could occur. If you are at fault in this accident, it will be up to you to cover all damages. Since these can be expensive, having motorcycle insurance with liability coverage will prove to be very valuable.

Provides Protection for Your Assets

Additionally, owners of motorcycles will want to make sure that their prized possession is protected. If your bike is stolen or damaged in any way, the cost to replace or repair it can be significant. However, if you have motorcycle insurance at all times, it will help to ensure that you are properly covered. A full comprehensive coverage and collision coverage policy will cover you for virtually any situation that could cause a loss. 

Once you are ready to start looking for motorcycle insurance in Colorado, you should contact the team at Front Range Insurance Services. The insurance professionals at Front Range Insurance Services can help you to find a great motorcycle insurance policy that properly meets your needs. This will ensure that you are fully covered for any liability risk and also that your motorcycle will be covered if it is damaged.

Does Recreational Insurance Cover Tents and Camping?

Camping is a favorite pastime for residents who live in the Littleton, CO area. While some campers go all out with large RVs and motorhomes, there are others who prefer to keep it old school. Tents, sleeping bags, camp stoves, and lanterns are the only supplies a dedicated outdoorsman will really need if they plan on camping under the stars. The agents of Front Range Insurance Services offer several types of insurance policies that cover camping and your equipment.

Theft and Vandalism

Insuring your camping equipment will protect you from losing your investment. If your tent or any of your equipment is stolen, vandalized, or damaged due to the negligence of others, you will be able to file a claim to replace your items It’s important to make sure, however, that your policy is written to include those items.

Liability

When you are camping, it’s important that you take the necessary precautions to protect yourself and others from injury. Having liability insurance will protect you if you or someone in your party is injured during your camping trip. Your agent will be able to assist you in creating a policy that best meets your needs.

Residents who live in Littleton, CO and are looking forward to camping over the next year can call the agents of Front Range Insurance Services. They have a variety of recreational insurance policies to cover your camping gear whether you are using it at the time or if it is in storage for the winter. Schedule an appointment today with one of their reputable agents so that you know you will be good to go when camping season rolls around.

What Colorado Residents Need to Know About Boat Insurance

Owning a boat is a great way to enjoy the beautiful outdoors that we have here in Colorado! If you are in the greater Littleton, CO area and are considering a boat purchase, the team at Front Range Insurance Services is here to help you get the coverage you need. It’s important to protect yourself from liability in addition to covering your boat from theft and damage. We’re here to help you determine which policy is right for your needs.

Important Policy Facts for Colorado Boat Owners

A lot of boat owners focus on the need to physically protect their boat from theft or damage. There are other considerations that can often be overlooked to the owners’ detriment. It’s easy for accidents to happen when you’re out on the water and injuries can also occur during such incidents. Yes, your basic boat policy can cover any damage to your boat, but what if there is damage to another person’s property or injuries that occur as a result of the accident? Having an appropriate amount of liability insurance will help to protect you from a financial obligation due to an accident out on the water.

Another important feature to look for is coverage of your vessel when you are traveling from one place to another. Boat owners who trailer their watercraft on a regular basis will want to look into additional coverage for their trailer as well as the boat. Again, it’s not always enough to have coverage for physical damage without ensuring the right amount of liability protection.

Let the team at Front Range Insurance Services help you find the right policy to protect your boat! If you are in the greater Littleton, CO area call or stop by today and learn more!

Colorado Motorcycle Insurance Frequently Asked Questions

Littleton, CO is a town with plenty of scenic views and motorcyclists from around the nation find themselves enjoying Colorado roads in the summer. If you are a Colorado resident planning on enjoying the road from behind the handles of a motorcycle come to Front Range Insurance Services to all of your insurance needs. 

FAQs About Motorcycle Insurance in Colorado

  • Is a helmet legally required? In the state of Colorado if a rider is under the age of 18 they must legally wear a motorcycle helmet. Over the age of 18, the helmet is not a legal requirement, but it is strongly encouraged for your wellness. 
  • What qualifies at legal protective eye-wear? It is a legal requirement to wear protective eyewear while operating or riding on a motorcycle. A helmet visor is recommended but if you chose you can wear goggles or eyeglasses made of safety glass. 
  • Is motorcycle insurance required? Yes, motorcyclists in Colorado are expected to follow all the same laws as other drivers in the state and there are minimum insurance requirements to protect you while you are on the road. Call one of our friendly agents to find out exactly what is legally expected for coverage at the moment. 
  • What are some other motorcycle laws I should be aware of? Colorado has basic laws for enjoying the road on a motorcycle safely, these include avoiding sharing the same lane with another vehicle, no holding onto another vehicle (also known as towing) while operating your motorcycle, and co-riders should be behind the driver or in a sidecar instead of on the front. 

Front Range Insurance Services serves the community of Littleton, CO, call us today for insurance coverage for your motorcycle. 

Can You Take out Life Insurance on Someone that You are Not Related To?

Life insurance is something that can greatly affect your quality of life and can help to make it easier for your family after you pass. For those that do have a life insurance policy, you can take the time to find a policy that works for you and for your family. For those in the Littleton, CO area, the agents with Front Range Insurance Services can help you find the right life insurance policy for you.

For those that do want to take out an insurance policy on someone that is not related to you, you do have to have some vested interest in that person. A good example might be someone that wants to take out a life insurance policy on the other parent of your child if you are not married. You can also take out a life insurance policy on your business partner, you may want a policy on someone that you own a house with, etc. In order to take a life insurance policy out on another person, you have to have a vested interest in their safety and in their life. Also, in most cases, the person that the policy is being taken out on has to be aware that the policy exists and has to sign and approve the policy as well.

This is to prevent people from taking out policies on people that they do not know and that they have no vested interest in. This is also to prevent people from taking out policies then harming individuals in order to collect. For those in the Littleton, CO area, the agents with Front Range Insurance Services can help you find the perfect life insurance policy for all your needs.  

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.