The vast majority of people are underinsured on their home, and it’s easy to see why when you consider of the many clauses, limitations and the sheer amount of information. However, staying on top of it all is your first step before you decide which insurance policy will work for you. Here are 5 factors to consider before you make a move. 

1. If You Have Expensive Taste 

Some people want expensive furniture, electronics, jewelry and art in your home, and you need to be aware of the cap on most insurance policies. You’ll likely need to buy additional coverage if you have five figures worth of objects in your home. 

2. If You Don’t Need Fancy Things 

Many homeowners may think they don’t need to protect their belongings, until they start thinking about their TV or computer. Insurance policies will only cover the property, as opposed to what’s inside the property, but most people would benefit from having coverage on their things. 

3. Floods and Earthquake Coverage 

These are events that fall outside the normal limits, but floods especially can be common and come without warning in Colorado. Water that seeps into your property can mean thousands of dollars in repairs for the homeowner. 

4. Updating Your Coverage 

If there are any major purchases or make major changes when you live in your home, you need an insurance company who will work to change your policy without hassle. 

5. Finding a Company 

Choosing an insurance company who has the experience to help you is your most important task, and CO Insurance Specialist is here to set you straight. We serve Wheat Ridge, CO, so call us if you need a quote for your home.