Personal
Homeowner's Insurance
Protect the place that holds everything you love.
Homeowner's insurance protects your house, your belongings, and your liability if something happens on your property. We compare carriers to find the right replacement-cost coverage at the best rate — important in Colorado's wildfire and hail-prone climate.
Why it matters
- Dwelling at full replacement cost
- Personal property protection
- Liability for guest injuries
- Additional living expenses if displaced
Typically included
- · Dwelling
- · Other structures
- · Personal property
- · Loss of use
- · Personal liability
Usually not included
- · Flood (separate)
- · Earthquake (separate)
- · Maintenance issues
FAQ
Questions we hear about Homeowner's Insurance.
Is my home insured for what it cost or what it would cost to rebuild?+
We always insure to rebuild cost (replacement cost), which is often different from market value.
What about wildfire coverage in Colorado?+
Standard homeowners covers fire including wildfire, but limits and deductibles vary — we'll review them with you.
Request your quote
Get a Homeowner's Insurance quote today.
Two-minute form. Same-day response from a real local agent.