Homeowners Insurance

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What is it?

Homeowners Insurance provides important coverage to protect your home, your family, and your future. While every policy varies based on the optional coverages added and the features of your home, most policies will cover the home itself, your belongings, and your liability exposure.

What's covered?

It is important to tailor the optional coverages based on the specific home and your family’s coverage needs, but these are the basic coverages included on most homeowners policies:

  • The dwelling: The dwelling coverage, usually called Coverage A, extends to any portion of the home that is attached to the foundation, including a deck or patio, or an attached garage.
  • Other structures: Other structures that are not attached to the home, including a detached garage, fence, shed, etc.
  • Personal property: Coverage for your belongings, including clothing, furniture, electronics, dishes, etc.
  • Liability: Coverage for legal expenses and judgements against you if you are sued due to a guest's injury on your property or damaged you cause to someone else’s property.
  • Medical payments: If someone is injured on your property, regardless of whether or not you were negligent, this coverage can pay for their medical expenses.
  • Loss of use: If your home is uninhabitable due to a covered loss, this coverage will extend to cover the additional living expenses you incur as a result.

How does it work?

  1. If you have a loss: Call us at (303) 597-1667 as soon as possible for claim assistance.
  2. Many Homeowners Insurance policies come with similar base coverages, but not all policies are equal. It is important to customize each policy to meet the unique coverage needs of the property and homeowner.
  3. There are many common misconceptions about Homeowners Insurance, these are some of the most common::
    • You do not need to insure your home for the market value, it is important to insure the cost to rebuild the home.
    • Homeowners Insurance covers a lot of “perils,” but it is not all-inclusive, and every policy varies.
    • Most Homeowners Insurance policies will not cover flooding, earthquake, wear and tear, maintenance issues, or intentional damage.

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