Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Colorado Residents – What you need to know about homeowners insurance
Whether you live in Denver, Golden, Lakewood, Arvada, Morrison, Evergreen or Littleton....and.... whether; you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
What Factors effect the cost of your home insurance?
Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on:
Usually coverage options are priced individually. So how you end up paying, depends on how much coverage you purchase.
Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would pay this amount before
the insurance carrier would pay the rest of the covered loss.
Limits of Coverage
If you set higher 'payout' limits you will receive a higher benefit, therefore higher limits will effect your annual policy cost. Usually the carrier will set 'minimum coverage limits' but you may choose a higher limit depending on your budget and comfort level.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
Protection for Your Home
Property or Dwelling Coverage - typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for Your Family
Personal Liability Coverage - applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to
protect your assets if you are sued.
Protection for Other People
Medical Coverage - This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover
health care costs for you or other members of your household.
Additional Living Expenses
Loss of Use - f you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while
damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Personal Property - Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost,
stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage - If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage.
It provides broader coverage for specific items.
If You Rent Out Your Home
LandLord Protection -Rental homes should have a special policy type written called a Landlord Policy. Most carriers view tenant-occupied dwellings as a higher risk so they are priced a little different and probably come with less 'property' coverage. The tenant needs to purchase insurance to insure their belongings.ge for the risks posed by . Visit our Landlord Protection Insurance page for more information.
If you rent any part of your primary residence (even for only a few days year) make sure to call your agent, as you may need to make some adjustments in your coverage. All carriers treat this differently so be proactive and call before you rent out your home! Some carriers will 'exclude' coverage if you rent any part of your home so be careful and do your research.
Denver West Insurance Brokers is here to help you find the right insurance for your home
Whether you’re a home or condo owner, a renter, or a landlord, Denver West Insurance Brokers will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Every home is unique –talk to us today to find out how to get the best price and value on homeowners insurance for you.