Colorado Home Insurance
Serving the home insurance needs of Westminster, Centennial, and all of Colorado since 2008
For many of us, our home is our most valuable asset and the center of our daily life. That’s why, if your home is damaged or destroyed, you need your claim settled by an insurance provider that understands this simple fact.
Whether you live in a house, apartment, or condominium, the right home insurance policy should provide you with peace of mind and money to repair or replace your home and/or belongings.
Blue Sky Insurance Services can help you find the home insurance policy that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing. Request a free home insurance quote or call us at 303-647-5440 today to learn more.
About Home Insurance in Colorado
The right home insurance policy in Colorado can protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered event. It will also provide protection if someone is injured while on your property and wins a legal judgment against you.
Whether you’re a home or condo owner, Blue Sky Insurance Services will work with you to find a home insurance policy that fits your needs.
How Much Does Home Insurance Cost in Colorado?
The amount you pay for home insurance in Colorado will depend on several factors, including:
- The coverage you choose. Not all home insurance policies are the same. The amount you pay for your policy will depend on the coverage you choose.
- The deductible you select. Opting for a higher deductible will usually lower your premium price by shifting part of the loss payment to you. In other words, if you select a $1,000 deductible, you would be responsible for paying the first $1,000 of a covered loss.
- Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Are you worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
What Does Homeowners Insurance Cover?
A typical homeowners insurance policy in Colorado will provide the following coverages:
Property and Dwelling
Property and dwelling coverage will typically pay to repair or rebuild your home if it’s damaged or destroyed by an insured event like a fire or windstorm.
Personal liability coverage applies if someone is injured or his or her property is damaged and you are to blame. The coverage generally applies anywhere in the world.
If a guest is injured on your property, your home insurance policy will typically provide medical coverage. However, home insurance will not cover medical costs for you or other members of your household.
Additional Living Expenses
If your home is uninhabitable due to a covered loss, your home insurance policy may cover additional living expenses–often for up to 24 months–while your home is being repaired or rebuilt.
If your personal possessions are lost, stolen, or destroyed as a result of a covered loss, your home insurance policy will provide coverage to help replace these items. This can include furniture, clothes, electronics and other valuable items.
Your home is unique – talk to us today to find out how to get the best price and value on homeowners insurance in Colorado.