Homeowners Insurance
Your home can be your most significant investment, and reliable insurance can protect it from the unexpected.
This protection includes coverage for your property, belongings, family, and guests. We help guide you through the process by ensuring you choose reliable coverage through a carrier you can trust. What is important to you matters to us, and we are committed to helping you in every way possible.
A standard Homeowner policy protects you against:
- Liability
- Fire
- Lightning
- Windstorms/Hail
- Smoke Damage
- Falling Objects
- Freezing
- Weight of Ice and Snow
- Vandalism
- Theft of Personal Property
Damages that are EXCLUDED from your standard Homeowner policy:
- Earthquake
- Flood
- Water Backup/Sump Overflow
- Vermin/Rodent/Insect
There is also a new valuable endorsement you can buy – Home Systems Protection and Service Line coverage. Please Contact Us for more details.
Available Discounts*
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*Not all carriers offer all these discounts.
How much auto insurance do I need?
The right amount of auto insurance depends on your vehicle, finances, driving habits, and state requirements. Many drivers in Colorado choose coverage limits beyond the minimum requirements for added financial protection after an accident.
Does homeowners insurance cover wind damage?
Many homeowners insurance policies cover wind damage caused by storms or severe weather. Coverage and deductibles can vary depending on your policy and where you live, so it’s a good idea to review your coverage before a storm occurs.
Can I update my homeowners insurance after making improvements?
Absolutely. If you’ve renovated, added a room, or made major upgrades, you should update your homeowners insurance. Significant improvements usually raise your home’s replacement value, which means you may need more coverage.
Why is homeowners insurance important?
Your home is one of your biggest investments, and homeowners insurance helps protect it from unexpected events like fires, storms, theft, and liability claims. Having the right coverage can provide valuable financial protection and peace of mind. Homeowners in Centennial can count on our agency to help them choose the right policy.
Does homeowners insurance cover kitchen appliances?
Built-in appliances are typically covered by homeowners insurance if damaged by a covered event, like a fire or severe storm. Unattached household appliances may also be protected under your personal property coverage, depending on your specific policy.
Does homeowners insurance cover my roof?
In many cases, homeowners insurance helps cover roof damage caused by covered perils like hail, wind, or falling trees. Damage caused by age, wear and tear, or lack of maintenance is generally not covered.
How can I make sure my home is properly insured?
Reviewing your policy regularly is one of the best ways to make sure your coverage keeps up with changes to your home and lifestyle. If you’re unsure whether your current policy provides enough protection, we’re happy to help you review your coverage.
Does homeowners insurance cover broken windows?
Homeowners insurance may cover broken windows if they’re damaged by a covered event, such as a storm, vandalism, or accidental damage from a covered peril. Coverage depends on the cause of the damage and your specific policy. Homeowners in Colorado can contact us with questions about their coverage.
Can I insure a newly built home?
Yes. Newly constructed homes should be insured as soon as you take ownership. A homeowners insurance policy can help protect your new home from covered losses, just like an existing home.
What if I have questions about my homeowners insurance?
Insurance can sometimes be confusing, especially when it comes to understanding coverage limits and exclusions. If you live in Centennial, Colorado, our team is here to answer your questions and help you feel confident about your homeowners insurance coverage.