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Home Insurance in Colorado

Home owner insurance in Colorado can be a costly investment; however, without it, the cost can become insurmountable if something happens.  The average cost of home insurance in Colorado is 1,383.  Making an investment to protect one of your biggest investments is truly important.  Your home encompasses your entire livelihood to a certain degree.  All your personal possessions; photographs, documents, and other possessions are within those four walls and roof.

There are eight different types of homeowner insurance policies that we provide.

There is basic form insurance that provides a basic protection against the ten perils: fire/smoke; explosions; lightening; hail/windstorms; theft; vandalism; damage from vehicles; damage from aircraft; riots and civil commotion; volcanic eruption.

Broad form insurance covers everything in the first protection plus falling objects; weight of ice, snow, or sleet; freezing of household systems; sudden tearing apart, cracking, burning, or bulging pipes and other household systems; accidental discharge of water or steam; sudden and accidental damage from artificially generated electrical current.

Special form insurance is the most common type of homeowner insurance as it covers both the first and second form of insurance and it expands protection to a garage or deck or other personal belongings.  It also covers accidental injury of others on your property.

Tenant insurance covers renters using your property.

Comprehensive insurance covers all the prior insurance plus; earth movement, floods, water damage, infestations, neglect, foundation; pets; mold; intentional loss, war, and rust.

Condo insurance covers individuals who are in condos

Mobile home insurance covers people in mobile homes

Older home insurance covers those in homes built and classified as historic.

With protection from our Colorado homeowner insurance we will provide you with the best protection for your most important investment.

Depending on the type of residence will determine the type of insurance you will be looking for.  If you are in an apartment; rental insurance is the way to go.  If you reside in a home; residential insurance will meet your need.

For most people their home is their biggest financial investment. In addition to the financial aspects, it is also filled with memories and your most prized possessions. Home insurance is designed to cover your property and the contents of your home in the event of a loss. At the Robert Whittet Agency, we help individuals and families throughout Colorado to help you protect what’s important. Whether you rent or own your home, we can help you get the coverage you need. To start this process, fill out your information on the form provided or call us directly at 303.317.2363

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