Integrity First Insurance Blog

How does homeowners insurance work in Colorado?

Dwelling value vs. market value: What are you insuring? With home values steadily rising in Colorado in recent years, we have gotten many questions about why the dwelling limit listed on the homeowners insurance is lower than the market value of the home. Many homeowners are concerned that their home is underinsured since they could sell it for more than what the dwelling is insured for. With spring coming up and the real estate market starting to pick up again, it might be a good time to explain what home buyers are actually insuring.
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5 reasons why insurance rates are going up in Colorado

Those of us lucky enough to live in the beautiful Centennial State know that the cost of living has been steadily rising the past few years. According to a Forbes article published in October 2018, the required income to live comfortably increased by 35.61% for Colorado Springs and 23.98% for Denver between 2017 and 2018. On a list of 20 cities with the most significant cost of living increase over that year, Colorado Springs came in at #1 and Denver was #16.
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