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Home > Home and Renters Insurance in Denver, CO

Homeowners Insurance


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 Quote Form

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.

Request Declaration and Coverages for Existing Homeowners Insurance Coverage
Request Evidence of Insurance

Homeowners Insurance Information

Serving Lakewood, Denver, Littleton, Arvada, and all of Colorado

Damage from sudden or unexpected events can potentially impact anyone who rents or owns a home or apartment. The right insurance can help provide protection against unforeseen incidents, enabling you to financially recover and regain your sense of security. 

What Protection Do These Coverages Provide? 

Renters and homeowners insurance both defend against property damage, liability costs, medical payments to others and the costs of living out of your home. The main difference between these two kinds of coverage is the dwelling coverage.  

 

  • Renters insurance is purchased by tenants. It covers damage to or theft of their personal property, but not damage to the building itself.

  • Homeowners insurance is for people who own their home or apartment. It covers both their personal belongings and the structure of their home.


Insurance Unlimited has been helping the residents of the greater Denver area for more than 50 years and can help you obtain the coverage you need for your dwelling. 

What Coverage Is Included? 

Both homeowners and renters insurance policies function identically, and four types of coverage are included: 

  • Personal property coverage—Both homeowners and renters insurance can cover policyholders for damage or theft of their personal property, which can be anything from your clothes to your furniture and television. Personal property coverage does not include all perils. Many common exclusions from dwelling coverage (e.g., floods and earthquakes) apply to both types of coverage.Certain high-value items may have coverage limits and need different coveragethan more common personal items.

  • Personal liability coverage—Both homeowners and renters insurance include liability coverage, which may protectyou from the legal exposure of bodily injury or property damage caused to others. 

  • Medical payments coverage—Medical payments coverage is offered on a no-fault basis, which means legal liability does not have to be established. Both homeowners and renters insurance may cover a limited amount of medical bills for someone injured in your home or your rental home.

  • Additional living expenses (ALE) coverage—Also known as loss of use coverage, ALE can protect you ifa covered peril makes your living space uninhabitable. ALE may cover up to a set dollar limit or a specificperiod, such as three months.

 

How Much Do These Insurances Cost? 

Renters insurance is usually less expensive than homeowners insurance because homeowner policies cover everything renters insurance does and the cost of repairing or replacing the dwelling.  

How We Can Help 

Insurance Unlimited can help you obtain the coverage you need for your specific living situation. Call us today at 303-238-8225 to get started. 

Contact Us Today!
303-238-8225

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307 Wadsworth Blvd
Lakewood, CO 80226

P: 303-238-8225 | Fx: 303-238-8220 
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