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Home > Home Insurance in Denver, CO | Insurance Unlimited

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Quote Form

Homeowners Insurance Information

Denver, CO Homeowners Insurance

When you take the huge step of buying a home, you will naturally want to protect your investment in the property. Plus, it’s more than just the house that needs protection. Your possessions and your family need security, too. Quality homeowners insurance is the best way to safeguard your property and possessions against the numerous liabilities that might threaten.

At Insurance Unlimited, we bring personalized insurance expertise to every client to help them get the right policy. With it, you will never have to worry about the ramifications of costly, unexpected accidents in your home. We will help you wade through numerous policy options from industry-leading carriers to pinpoint the plan that is best for you.

Common Home Insurance Questions

How Does Home Insurance Work?

Home insurance is designed to protect the value you have invested in your property, possessions and your family’s financial security. You never know when a fire, severe weather, liability lawsuit or break-in might damage or destroy your home and call your financial security into question. If you can make a claim against your home insurance for the losses, then you will receive assistance with many of these costs. Therefore, your recovery will be both easier and more affordable.

How Much Home Insurance Coverage Do I Need?

In any home, numerous risks exist even from the most unlikely of sources. They can cause damage to numerous people and property assets. That’s why you will need a considerable amount of coverage from your home insurance policy in order to optimize your protection.

Some of the coverage you need to include in your plan is:

  • Structure protection: Insures your house in case of damage from fires, weather, theft, vandalism or other hazards.

  • Detached structures coverage: Other buildings on your property like fences, carports, gazebos and detached garages will have coverage.

  • Possessions insurance: Pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.

  • Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.

  • Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.

Keep in mind, however, that your home is unique from almost anyone else’s. That’s why most people need special policy endorsements or supplementary plans to adapt their protection to the right size. Some of the expanded coverage options to consider including in your policy portfolio include:

  • Scheduled items riders

  • Replacement cost value possessions coverage

  • Umbrella liability insurance

  • Flood insurance

  • Earthquake and windstorm endorsements

  • Pet liability insurance

Our agents are committed to helping you comprehensively analyze your own household risks and liabilities to determine where you most need coverage. We will also advise you on the best ways to adjust your deductibles and overage limits to ensure that you receive both customized protection and an affordable overall premium. 

We can insure homeowners of all shapes and sizes, including condo owners, mobile homeowners, landlords and high-value homeowners.

How Far in Advance Should I Buy Home Insurance?

Your home insurance must be active from the day your close on the purchase of your home. Many mortgage lenders will even require you to verify that you have coverage before they will approve your loan application. All in all, you should never consider coverage optional. It’s there to protect you from the moment you take on the expensive investment that your home represents.


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307 Wadsworth Blvd
Lakewood, CO 80226

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