What Does Home Insurance Cover Besides the Home Itslef

Home insurance covers any residence from a wide range of instances. It does not however only cover the home, there are a wide range of other coverage that your home insurance can help cover. For those in the Littleton, CO area, the agents with Front Range Insurance Services can help you find out just what your policy covers.

For starters, your home insurance policy also covers medical bills of those that are injured on your property. Say for instance someone is on your property and your dog bites them. Your home insurance can help pay for medical bills associated with the incident.

On top of all of that, your home insurance also covers the items inside of your home. Televisions, jewelry, any cash you have on hand, and more are all covered under the contents part of your policy. This can be altered as you acquire or get rid of items. Your home insurance also covers damage that is associated with break-ins.

Your home insurance covers so much more than just your home and your agent can help explain exactly what your insurance policy is going to cover. You can talk with your agent about what your policy covers and about what extra coverage you might need in order to be fully covered from all incidents. For those in the Littleton, CO area, the agents with Front Range Insurance Services can help you find out just what your policy covers and can help you understand that your home insurance does more than just protect your home.

Winter Storm Checklist

As the temperatures continue to drop, the chances of a strong winter storm increase.  Are you and your family prepared?  At Front Range Insurance Services of Littleton, CO, we want our clients to and their homes to stay warm and well-protected all season long.  Use this checklist to ensure that you and your home are ready for the next blast of cold weather.

Protecting Yourself During a Storm

While it may not be possible to avoid a winter storm, you can prepare yourself for it in advance with an emergency kit including:

  • One gallon of water and non-perishable food per person for at least three days.
  • Flashlight, radio, and cell-phone charger.
  • Medical supplies and prescription medications.
  • Sanitation items including hand sanitizer, paper towels, and plastic bags.
  • Warm clothing, blankets, and sleeping bags to use should you lose power.

Protecting Your Home During a Storm

You can also prepare your home in advance of a winter storm:

  • Check smoke alarm batteries and ensure that everyone in the family knows how to use the fire extinguisher.
  • Insulate water pipes and allow faucets to drip to avoid freezing pipes.
  • Have a contractor check your roof’s structural ability to withstand the accumulation of heavy ice and snow.
  • Winterize your home by replacing weather stripping under doors, insulating walls and attics, and caulking windows.
  • Have the heating system and chimney professionally cleaned and inspected.
  • Clear the roof and gutters of debris, leaves, and branches.

By keeping an emergency supply kit handy and performing regular winter maintenance on your home, you will have peace of mind knowing your home is ready for the next winter storm.  In the event that your home is damaged during a winter storm, the professional agents at Front Range Insurance Services of Littleton, CO are here to help.

What Does Your Home Need in the Fall?

Here at Front Range Insurance Services in Littleton, CO, we know the importance of getting your home ready for the winter.  As such, we have devised a short checklist of things that you need to do to keep your home protected in the colder months.

You might not think about this, but caring for your shrubs and trees is an important aspect of winterizing your home.  They need to be properly pruned to avoid any limbs or entire trees from falling during winter storms.

Rake the leaves and get them off the ground.  While they might appear to be beautiful, they can inhibit growth in the spring.

Clean your down spouts and gutters.  DO this after most of the leaves have hit the ground.  During rain or snow storms, gutters that are clogged can lead to water and/or snow piling up and this can damage your siding and/or roof.

Make any necessary exterior repairs.  Walk around your home and look for signs of damage to things like the foundation, siding and roof.  If you spot any issues, make sure to get these taken care of before the cold weather hits.

Check outside your home for even the tiniest of gaps.  Mice are tiny critters and they get cold too.  They will take advantage of any accessible gaps to create a nice, warm place for themselves.  If you find any gaps, make sure to fill them before it gets cold.

Check your driveway and any stairs, railings and walkways for winter safety.  When everything is snow covered, just walking from the car to the door can be a challenge.  Make sure the drive is in good shape for easier shoveling and any stairs or walkways are even and the railways are sturdy enough to get a good grip on in case of a slip.

Important Safety Tips for Your RV

RV’s are a pleasure to own. They are a great way to get up and down the nation’s beautiful highways. However, unlike traditional automobiles, there are several things you need to do to make sure they are road-ready and safe to travel.

Inspect Everything

Before you hit the road on that summer tour, make sure you inspect all of the essential systems, such as the exhaust, fuel tanks, and the propane tank system. Make sure all houses and connections are clean and not damaged. Make sure nothing is worn down and make sure all safety valves are properly functioning.

Practice Driving

Even if you are an experienced driver, make sure you know how to handle an RV. They are very top heavy, and drive more akin to a bus or an 18-wheeler. Learn how to go easy on the brakes and how to do S.A.F.E. cornering.  Also, take a look at your route, and make sure you know what kind of traffic you will be dealing with. Finally, make sure that you know your height clearance to avoid running into any low hanging overpasses or tunnels.

Get Good Coverage

Depending on if you treat your RV as your full time home, or as a pure recreational vehicle, you will need the proper insurance coverage. This is when it is a good time to contact an experienced, licensed insurance agent to find out your options and to get a quote.

Front Range Insurance Services, serving the Littleton, CO area, can help you get the right coverage for your RV. Contact them today with any questions you might have and let them get you into the right insurance policy.

Save money by packing yourself

When you’re moving, packing can be a huge expense.  Even if you choose not to hire help, there are a lot of costs involved in buying boxes, packing tape, and securing everything in a truck.  If you’re planning a big move, then read through this list of ways to save money.

 

  1. Avoid buying boxes.  If you’re moving locally, it might make more sense to move items in multiple trips instead of moving them in one big move.  Not only will this unpacking more manageable, it will also let you reuse boxes and other moving supplies.  Also consider using other containers, such as large buckets, plastic storage boxes, and laundry baskets to avoid buying cardboard boxes.
  2. Sell your stuff.  If you’re moving across the country, then you’ll probably pay per pound to move your stuff.  Consider if the cost of every item in your house to move it.  If you wouldn’t pay that much to keep the item, or if it’s cheaper to buy a new one when you arrive, sell or donate it.  Purging your home in this fashion can shave thousands of pounds off of your move.
  3. Use your towels and washcloths.  Instead of packing these separately, place a washcloth between your plates and bowls instead of packing paper.  Use bath towels as small moving blankets for lamps and photo frames.  Sheets and blankets can be used to protect large items of furniture.

Of course, make sure you remember to give the agents at Front Range Insurance Services a call before your big move.  They can help you update your policy so that it’s ready as soon as you move in.

What is Professional Malpractice Insurance? Do I need it?

Most people know that doctors, dentists, and lawyers need malpractice insurance, yet so do accountants, financial planners, computer analysts, journalists, realtors, and many other professionals.

A lawsuit against any professional for “malpractice,” can occur in surprising ways. There is no need to make a mistake to suffer an attack of a lawsuit. Of course, if a mistake is made the chance of a lawsuit may be higher; however, lawsuits may arise from misunderstandings as well. The courts in America, which is the most litigious society on earth, are full of lawsuits based on misunderstandings and even those that are considered “frivolous,” with no basis in fact whatsoever.

Malpractice insurance is understood more clearly when the insurance is called Errors & Omissions (E&O) insurance.

Here is an example of where E&O insurance applies. Imagine a stockbroker gets an order from a client to buy or sell a stock. If the broker makes a mistake when entering the order and does the wrong thing by accident, there can be a large problem for the client’s account. If the broker was supposed to sell a stock and instead buys it, the losses may be substantial. If a loss occurs because a broker made a mistake, then E&O insurance is necessary to cover the mistake.

Accountants, lawyers, computer analysts, and many other professionals can also make mistakes. These mistakes may be costly and cause a lawsuit from any people that suffer damages. As a rule, any professional that needs to have a license by a state or other authority benefits from having “malpractice” or E&O insurance.

How much malpractice insurance do I need?
There are two considerations when thinking about malpractice insurance. The first one is the possibility of a huge award that comes from a lawsuit. The second one is the cost of the legal defense. Even if the lawsuit does not result in an award, in other words, you win; you still have the potential of enormous legal fees that arise simply from the defense of your case.

Be sure to check in with the agents at Front Range Insurance Services to review your commercial insurance coverage for malpractice issues.

 

 

Colorado Motorcyclists: Why You Should get Insured Today

Insurance in Littleton, CO is not only a good idea for safety reasons, but for legal reasons as well. It is a great experience to drive around Colorado’s famous mountain roads, but no matter how good you are at riding on your bike, you are always going to run the risk that you wind up in an accident – either due to your own mistakes made or the mistakes of someone else on the road. There are a variety of hardships a person may face due to procrastinating on becoming insured. For instance:

  • You could find yourself encumbered by medical debt due to serious injury in a car accident (an injury that can have many greater implications than just financial loss)
  • Your motorcycle could be damaged, and depending on the severity of the injury, it could result in anything from a small repair job, to a big repair job, or perhaps even a complete replacement (an entirely untenable choice for anyone who has formed an attachment with their vehicle).
  • Your license could become suspended if police were to discover that you are not insured. Not only would this prevent you from driving, it would limit you from having access to all of the places that you need to get, like your place or work.

None of those sound like a great time, so hopefully Front Range Insurance Services can help you find the insurance plan that works best for you.

Colorado drivers specifically should take note that in recent years, the Colorado government has eliminated the no-fault auto insurance system. What this may mean for you may vary from person to person, so be sure to read further into this. Either way, if you need further clarifications or if you just have a comment you want to make, you can contact Front Range Insurance Services online or by phone at (303) 951-5982.

Ways To Prep Your Boat For Summer Fun

For many people, summer is the best part of the year and there are so many things that you can do to have fun. A really popular way to have fun throughout the summer is with a boat, especially if you live near a body of water such as a lake or the ocean. With the weather heating up and the days getting longer, you probably cannot wait to actually get out on the water this summer. Before you do, though, there are a few things you should do to your boat to make sure it is as ready for all the fun as you are. Use these tips to get started.

  • Get a tune up for your boat. You should make it a habit to get a tune up every single year on your boat and this is the perfect time of year to do it so you always remember. 
  • Since you likely did not get your boat out at all in the winter, you will want to check your battery to make sure it is still strong. If it isn’t, make sure you get a new one so you can actually get on the water.
  • De-winterize your boat. If you winterized it before the cold weather, be sure to de-winterize it for the summer.
  • Make sure you have life jackets and a working fire extinguisher on board just in case you need it.

Even by doing all of these things, if you do not have a good boat insurance policy for your protection, then you are still not ready to get out on the water. Contact us at Front Range Insurance Services today for take a look at some options for you or even take a look at your current policy.

5 Techniques to Avoid Road Rage

Managing your anger may not be easy with all of the aggressive drivers on the road. Road rage can lead to accidents, physical violence, and even death. Taming road rage is the first step to resolving conflicts. With the following techniques, your ride can be a much safer one.

1. Plan Your Drive In Advance

Leave your home or office a few minutes earlier or later to miss rush hour traffic. Standing in bumper-to-bumper traffic can cause tempers to rise. This could lead to aggressive driving and road rage.

2. Handle Tailgaters with Caution

When someone is following you too closely, resist the urge to slow down even further. This will aggravate the other driver and possibly start a conflict. You should move over into an adjacent lane when you notice a tailgater and let them pass.

3. Ignore Erratic Behavior

Don’t assume another person’s driving is about you. Just because they cut you off, does not mean that they knew what they were doing. They may be distracted or oblivious. Slow down, take a breath, and proceed with caution. If they are flying down the highway, allow them to get in front of you and reduce your speed until they are out of sight.

4. Following Behind Slow-Pokes

Even if you are not in a hurry, there always tends to be a slower driver that gets right in front of you. You should keep at least one car length in front of you in case they stop suddenly. Try moving into another lane or take an alternative route.

5. Parking Space Fights

You got there first, but another driver swoops in and takes your spot. It’s okay to let them have it. There is probably a parking space a few feet away. Take a deep breath and don’t confront the driver. They may have a weapon.

The Littleton, Colorado agents at Front Range Insurance Services are available to help you understand how you can avoid road rage. The agents can also provide quotes for new policies and offer information for those with existing coverage.

Littleton, CO: Protect Your Home From Emergencies

Living in Littleton, CO can be a beautiful thing. There are gorgeous waters and sandy beaches, along with swaying palm trees, warm weather, and that brilliantly sunny, blue sky. It’s a picture-perfect, postcard kind of place. Still, even the best places can have bad weather from time to time, and Littleton is no exception. With the risk of tornadoes, hurricanes, and severe thunderstorms, it’s a good idea to make sure your house is ready for any kind of emergency that could occur.

One of the ways you can do that is to make sure you and your loved ones can see to get around safely in an emergency where the power goes out. Flashlights, battery operated lanterns, and flameless candles all work as guides to move around safely in the dark. By keeping these items and extra batteries stored within easy reach in each room, you can quickly find what you need. You may also want to have a battery operated or hand-crank radio, to get news and information about what might have caused the power outage.

Another thing you can do to protect your home from emergencies is make sure your homeowners’ policy is up to date. While that won’t stop a problem from happening, it can keep you from experiencing too much financial harm when you have to make repairs to your home after a hurricane, fire, or other type of event. When you get a home insurance policy from Front Range Insurance Services, you also get the peace of mind and personal service that comes from working with a local agent and company. That can be the best choice for any Littleton homeowner who wants to make sure they’re protected and that their home is ready for any emergency that may come their way.