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.
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.
Options to Consider
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.