Home owner insurance in Colorado can be a costly investment; however, without it, the cost can become insurmountable if something happens. 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.
Homeowner’s insurance in Colorado is not all the same. It’s important that you work with an insurance advisor that can educate you about what coverages are important for you and your family. We offer a variety of homeowner insurance products from single family homes, condo/townhome and renters insurance.
I have had my insurance policies through Whittet Insurance for the past couple of years and I have nothing but positive things to say about my experiences. From day one with the services provided to cancel my old policies and setup new policies with Farmers, it has been an overall great experience. Rob makes the process of buying and utilizing insurance as easy as possible. We have all heard the negative experiences with actually having an insurance claim, but throughout the unfortunate process of a vehicle and house claim, Rob made it very easy to maneuver through the process and get the ball rolling with the adjuster so that the repair work could begin as quickly as possible. I highly recommend Rob as an insurance agent as he is the type of person that will go the extra mile to help you through the insurance process.
Matt From Castle Rock
My car suffered $9000 worth of hail damage in July. I quickly called my agents to see what needed to be done with filing a claim. Molly clearly explained the process and let me know what my insurance covered. I have a policy that will actually pay me $50/day if I don’t use a rental car during the repair process. That money can go to my low deductible and the remainder goes in my pocket. I was skeptical at first but when the claim adjustor said that is how it works, I thought I hit the jackpot. I travel all the time with my job so leaving my car at the shop is noooo problem. Three weeks later, uber rides, and a two day car rental, I was able to pick up my brand new (again)(thanks ABRA) car and pocket, after my deductible, $350. Rob Whittet and his wonderful, amazing staff – Molly and Melissa, have left me worry free when it comes to my home and auto insurance. Thank you Farmers!!
Traci From Aurora
I love Rob Whittet and his company! They have had very competitive rates and are always quick to respond to any needs I have. I have a teenage son getting ready to drive and they have the best rates for teenage boy drivers! It’s always a pleasure working with this agency!!
Krystal From Littleton