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Colorado Insurance Blog

Home Insurance: What It Does and Doesn’t Cover

When you are on the search for your first home in Colorado, you also need to take into consideration the protection for that home. Homeowners insurance is imperative to protect your family, personal belongings, and the home itself. However, you need to ensure you choose the right policy, and this will depend greatly on what is and is not covered. Therefore, before you commit to a particular policy, make sure to speak to us at Integrity First Insurance.

What Is Typically Covered by Home Insurance?

The great thing about home insurance is that it offers you peace of mind, but it does so much more than that. Homeowner’s insurance typically provides protection for the structure from vehicular accidents, fires, and weather-related damage. In addition, it offers protection for the home against theft or vandalism, as well as personal liability protection from potential lawsuits in the event someone suffers an injury while at your home.

What Is Usually Not Covered by Homeowners Insurance?

There are some things that home insurance simply will not cover. For instance, if a natural disaster like a hurricane, tornado, earthquake, or landslide causes power failure or damage to your home, your standard policy won’t provide coverage. Neglect, pet damage, and the like also won’t be covered.

If you are concerned about sewage backup, leaks, flooding, or other water-related damage, you will want to consider a separate flood insurance policy.

While homeowners insurance is not typically required by the state, it is often required by a lender if you are financing your home. Further, it is a wise investment to protect the roof over your head. If you need help securing homeowners insurance for your Colorado home, reach out to the team at Integrity First Insurance to explore the options available to you.

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