Why Colorado Residents Should Explore Recreational Insurance

Front Range Insurance Services helps Littleton, CO residents find the insurance coverage that they need to protect what matters most. As an independent agency, we will go the extra mile to make sure that our clients find the policies that they are looking for.

Benefits Of Recreational Insurance

If you own a recreational vehicle, it’s important that you protect your asset. Consider the benefits of recreational insurance. Recreational insurance will protect you if an accident happens while you are traveling around Littleton, CO, and the surrounding areas. Recreational vehicles include campers, ATVs, trailers, and multiple sizes of motorhomes.

The policy provides protection if you are involved in a collision with another vehicle or object. You can also amend your policy to cover your vehicle if you collide with an animal while you are traveling.

If you are traveling with others, liability coverage is an asset because you will be protected if someone gets injured. Liability coverage also protects you if you are held responsible for your recreational vehicle causing damage to someone else’s property. Keep in mind that you must add extra coverage if you plan to renovate your recreational vehicle or add some accessories. If you do not add extra coverage, you will not be protected if a natural disaster causes damage to your vehicle or if someone steals your camper or trailer.

During times when you are on vacation, add storage coverage so that you will be protected if a falling object damages your vehicle or a natural disaster happens in the area. The policy also covers your vehicle if you need emergency assistance due to your engine failing or a flat tire. You can also request towing services if necessary.

Consult With Front Range Insurance Services

Visit our website today to learn more information about recreational insurance.  

Boat safety tips while on your vacation

A day spent on the boat with your family and friends is refreshing. To achieve this, the safety of your family, as well as that of your boat is crucial. While it might not be entirely possible to control what happens on the water, you must be prepared for any eventuality. Buying a new boat or repairing one can be expensive. Please speak to Front Range Insurance Services agents in Littleton, CO, about boat insurance cover.

Boat safety tips while on vacation

  • Have a boat safety kit

Before going out for that ride, ensure your boat safety kit has all the essential items. These include a flashlight, first aid kit, a bucket, ropes, fire extinguisher, among others. Have a U.S. Coast Guard-approved life jacket for all the members on board.

  • Check for harmful fumes.

Every time you fuel your boat, check if all the hatches have any smell of harmful fumes. Do not start the engine if you smell any fumes. Accumulation of carbon monoxide in your boat could lead to all the guests in the ship becoming unconscious. Here are a few areas you can find accumulated gas: blocked exhaust pipes or ventilated canvas enclosures.

  • Follow proper docking procedures.

Always follow the proper docking procedures while out on the water. When close to the shore, ensure that the bumpers are out to prevent damage to your boat. Have docking lines secured while moving at a slow speed.

  • Do not overload the boat.

Every boat has its capacity restrictions. Overloading the boat with people or equipment could imbalance it, leading to accidents.

  • Have a boat insurance cover

Boat accidents rarely occur. It is, however, crucial that you protect your boat in case of unprecedented events. A boat insurance cover will protect you against financial loss if the boat is damaged or needs repairs. Your medical expenses are also covered if you experience an accident. At Front Range Insurance Services agents in Littleton, CO, we will customize a boat insurance policy that meets your needs. Please feel free to visit our website or give us a call for more information.

Term Life or Whole Life Insurance – Which is Better for Me?

When it comes to choosing a life insurance policy, it can generally boil down to two choices – term life and whole life. Term life, as the name implies, is only valid for a period of years – typically 15 or 20. What this means is that if you purchase a $1 Million 20-year term life policy than if after those 20 years you are still living the policy is no longer active. Conversely, whole life offers the benefit of being active for the remainder of your life or as long as the policy premium is paid. Additionally, whole life insurance also has an investment component that allows you to earn a little bit of interest every year of the policy. Any gains you accumulate are tax-deferred and you’ll have the opportunity to take a loan from the accumulated funds. Some whole life insurance policies pay an annual dividend so be sure to ask your insurance agency if that is an option you want to have. 

When it comes to choosing between the two, term life is going to be less expensive because it is only valid for a certain period of time and does not have a cash value that allows for borrowing. Whole life insurance will be costlier but the coverage lasts for your entire lifetime and has a guaranteed rate of return on a portion of the policy premium that you pay annually. 

At Front Range Insurance Services in Littleton, CO, we understand that choosing a life insurance policy can be a difficult and emotional decision. That’s why our friendly and professional staff is always ready to answer your questions and walk you through the decision making process. We encourage you to give us a call so we can walk you through all your life insurance options and help you choose the policy that best protects your loved ones. 

What is the benefit of getting commercial insurance for my Colorado business?

Littleton, CO is a community located near Denver that offers a lot of opportunities to residents and business owners. Those that open a business here and are willing to work hard could do quite well. Anyone that is going to start a business here should carefully consider their insurance needs. There are many benefits that are provided by commercial insurance. 

Protects Business for Liability

Any business owner is going to take on liability risk. If you have a customer that gets hurt or sick through the use of your product or service, you could be found liable and will need to pay for the damages that the person incurs. Fortunately, you can protect against this risk by getting a commercial insurance policy. When you invest in a quality commercial insurance policy, you are going to receive a certain level of liability insurance coverage.

Protects Business Assets

A business that invests in inventory, equipment, and other assets needs to make sure that they are protecting this investment. The most efficient way that you can do this is by getting the right insurance coverage. When you get a full commercial insurance policy for your company, you are going to receive coverage up to a certain point and level for your business assets. 

When you are shopping for commercial insurance in the Littleton, CO area, working with a team that you can trust and is experienced is very important. A great option to go to for your insurance needs is Front Range Insurance Services. When you speak with the team at Front Range Insurance Services you are going to receive the personalized support and guidance that you will need to find a policy that offers your company with the right type and level of coverage. 

Is Umbrella Insurance Right For Me?

There are all kinds of insurance policy options out there. Some of these policies are decided to protecting one specific piece of property or vehicle, while other forms of insurance offer a more blanket form of protection. This is where umbrella insurance comes in. Umbrella insurance isn’t necessary for everyone, but it does offer additional liability protection for you and what you own. If you live in greater Littleton, CO out staff here at Front Range Insurance Services is here to assist you in finding the right umbrella insurance coverage if it is something you’re interested in. 

Do You Own A Home or Condo?

If you don’t own where you live you may not need umbrella insurance. Instead, it might be better for you to add specific protection to what you do own. However, umbrella insurance can be extremely valuable when you own your property. If a fire starts in your home and spreads to your neighbors, umbrella insurance can help you cover this. Or if someone slips on your sidewalk and files a lawsuit, your umbrella insurance will help you pay for the attorneys and other legal fees. This is extremely expensive out of pocket, which is why umbrella insurance is valuable. 

Go The Extra Mile With Added Liability Protection

Umbrella insurance will offer you and what you own additional liability protection. Of course, this kind of insurance is perfect for some individuals, while it may not be right for others. If you want to know about umbrella insurance and if you are a prime candidate for it, now is the time to give our staff here at Front Range Insurance Services a call. Our staff is ready and waiting to help you protect your Littleton, CO home, auto, and other investments you own. 

Do You Really Need Flood Insurance?

If you think your Colorado home is safe from flooding because you live outside of a flood zone, think again. Over a quarter of flood claims across the country come from homeowners who live outside of flood zone areas. Flooding can happen almost anywhere. By purchasing flood insurance, you can be prepared for a flood disaster. The following flood facts from Front Range Insurance Services explain why you should consider flood coverage for your Littleton, CO home.

Floods Cause Extensive Damage

Flooding can cause extensive damage to your home’s structure and utterly destroy its contents. Without flood insurance, you could suffer financial ruin due to the damage that a flood can cause. Even a few inches of floodwater is enough to cause devastating results. Because floods often happen quickly, you may have little time to prepare your home or save your belongings. That’s why it’s important to have flood coverage in place well in advance.

Home Insurance Doesn’t Cover Flooding

If a pipe breaks or rainwater leaks through your roof and causes water damage in your home, your home insurance will compensate you for your loss. Home policies, however, don’t cover flood damage caused by rising river waters, snow melts, or overrun dams. Colorado is prone to flash floods due to excessive rainfall during the rainy season. With flood insurance, you can be prepared against the risk of flood damage to your home.  

Flood Insurance Helps You Recover from Flood Disasters 

Flood insurance in Littleton, CO provides financial compensation to help you recover from a flood disaster. A flood policy from the National Flood Insurance Program (NFIP) will protect your home for up to $250,000 and contents up to $100,000. These funds can be instrumental in helping you get back on your feet after a flood.

For more information about flood insurance coverage and costs, contact your Front Range Insurance Services agent today.

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.


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!