Homeowners insurance

Protect one of your most cherished possessions

Hail storms. Roofs that need to be replaced. Vacation homes left uninsured in brushfire areas and wildfires that destroy communities. All of these are part of living and owning a home in Colorado, so it is extremely important to obtain and maintain proper homeowners insurance coverage to protect one of your most valuable assets and your family’s most cherished possessions.

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Protect Your Cherished Possessions

Homeowners Insurance protects your home and personal belongings against fire, weather damage, vandalism and theft. It also provides liability coverage in case someone is injured on your property.

We work with carriers that specialize in insuring properties in higher risk areas to make sure that your home is properly covered regardless of location. We also review your Colorado homeowners policy, keeping you informed about alternative offers.

Coverage Details

Although homeowners insurance is not mandated by law in Colorado, your lender will require you to purchase one if you have a loan on your property. However, the coverage they will request is usually very basic and designed to protect them and their assets, not you or your investment. Insuring your home means choosing, from a variety of options, the coverage right for you and your family.

homeowners coverage

Options to Consider


Coverage for the physical structure of your home.

Other Structures

Coverage for the physical structure of buildings on your property that are separate from your house (detached garage, shed, gazebo).

Identity Fraud

Available by endorsement, helps cover the costs related to identity restoration if you are a victim of identity theft.

Personal Property

Coverage for your belongings both inside your home and, up to a certain limit, also when they are stolen or damaged outside of the property, anywhere in the world.

Personal Liability

Coverage against lawsuits for bodily injury or property damage that you or a family member are liable for. Some policies include damage done by your pets.

Building Codes

Coverage for additional costs incurred due to required upgrades to wiring or ventilation to make them conform to current regulations when your home is repaired or replaced after a covered loss.

Guest Medical

Coverage for the cost of medical expenses for someone injured on your property, without a liability claim being filed against you.

Additional Living Expenses

Coverage for the additional cost of living away from home if your home is being rebuilt or repaired after a covered loss. Some of the expenses covered include temporary accommodation (hotel, rental), restaurant meals, storage costs and pet boarding.

Water Backup

Usually not included in a standard policy, this additional coverage helps protect you against water damage caused by your sewer backing up or your sump pump breaking.

keep track of your possessions

We recommend that you create an inventory of your personal belongings and keep track of all receipts, user manuals and any other documents that can provide more details about your items. You should also have your more valuable items like jewelry or art collections professionally appraised.If you ever have to file a claim, providing as much information as possible about a specific item will make the process much easier and faster. Take photos and make video recordings of your possessions, or use one of the many home inventory apps available online.

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Some of the most common questions that come up when you have to choose the right Colorado home insurance coverage:

common questions

Is the roof of my Colorado home covered in case of a hailstorm?

Which companies offer replacement cost on my roof?

What if I rent out part of my house via Airbnb?

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What’s the difference between actual cash value (ACV) and replacement cost (RC)?

How much liability protection do I need?

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Is my $15,000 engagement ring covered on the policy?

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Our goal at Kuzbiel Insurance Brokers is to provide answers to these and other questions you may have and to ensure that you fully understand all the options before making a decision.

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