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CO Insurance Specialist

6990 W. 38th Ave. #200
Wheat Ridge, CO 80033

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Home Insurance in Colorado

The dedicated agents at CO Insurance Specialist located in Wheat Ridge Colorado, know about the risk of being a homeowner in Colorado. With severe wind and hail storms in the summer and blizzards in the winter, it is extremely important to have your home insured properly in case of a natural disaster. There are exceptions to what is covered under your homeowners insurance policy, the two most significant disasters not covered in Colorado is flood and earthquake. You must buy separate policies for flood and earthquake, which an agent at CO Insurance Specialist can help you with. Poor maintenance is also not covered, any maintenance related problems is the homeowners’ responsibility. Homeowners insurance, also known as ‘hazard insurance’ is a package policy. This means, it not only covers for physical damage of your structure but it also covers liability and legal responsibility for any injuries and property damage you or members of your family cause to other people. Your home is most likely your most valuable asset, make sure it’s insured properly with an agent at CO Insurance Specialist.

The Basics of your Home Insurance Policy

  • Covers the structure of your home. The standard homeowner’s policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, it is important to have replacement cost, in order to rebuild your home in the event of a total loss. The insurance specialist in Wheat Ridge Colorado can help you determine the amount to insure your home.
  • Covers your personal belongings. Your furniture, clothes and other personal belongings are covered if they are stolen or damaged by one of the listed perils above. Most companies automatically provide 50% to 70% of the amount of insurance you have on the structure of your home. The best way to make sure the amount is sufficient, is to conduct a home inventory. Talk to an agent at CO Insurance Specialist for high value items like jewelry, furs, silverware etc. to get specific coverage for your valuables.
  • Covers your personal belongings. Your furniture, clothes and other personal belongings are covered if they are stolen or damaged by one of the listed perils above. Most companies automatically provide 50% to 70% of the amount of insurance you have on the structure of your home. The best way to make sure the amount is sufficient, is to conduct a home inventory. Talk to an agent at CO Insurance Specialist for high value items like jewelry, furs, silverware etc. to get specific coverage for your valuables.
  • Covers you for liability protection. Your homeowners insurance covers you against lawsuits for bodily injury or property damage you or a member of your family causes to other people. Liability covers the cost of defending you in court and any court awards-up to the limit of your policy. The policy also covers you for not at fault medical coverage. If your friend or neighbor gets hurt while at your home, they can submit a medical claim to cover their medical bills. Limits can vary so be sure to discuss with an agent at CO Insurance Specialist to determine the right coverage for you and your family
  • Covers you for additional living expenses. In the event you cannot live in your home due to a fire or other disaster, your policy will pay the cost of living away from home. It covers the cost of hotel bills, restaurant meals and other expenses incurred while your home is being rebuilt or repaired. Coverage limits differ from company to company and in many cases is only covered for a limited amount of time.

Since we are an independent insurance agency in Wheat Ridge, Colorado we can shop your home annually with many different companies. Insurance carriers are taking rate increases annually due to all the weather related claims and we are here to help keep your premium down without sacrificing coverage. We also offer condo insurance, renters insurance, dwelling fire insurance, modular home insurance and more. First time home buyer or renter? Let us walk you through the process and get you and your new home covered properly! Call an agent today at 720-638-0850.

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