Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for a quick estimate. Please advise the quote form is just an estimate, to get an accurate quote we will contact you for more information.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
Colorado Homeowners Insurance
Serving Lakewood, Denver, Littleton, Arvada, and all of Colorado
Homeowners insurance is a form of property insurance that covers losses and damages to an individual's residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.
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 included in your plan are:
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? This coverage will 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:
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?
When applying for a mortgage, the homeowner usually is required to provide proof of insurance on the property before the financial institution will loan any funds. Payments made toward a homeowners insurance policy are usually included in the monthly payments of the homeowner's mortgage. The lending bank that receives the payment allocates the portion for insurance coverage to an escrow account. Once the insurance bill comes due, the amount owed is settled from this escrow account