Headquartered in Englewood, CO
Englewood, CO Office
Email: jjohnnson8@farmersagency.com
| Monday | 8:00 AM - 5:00 PM |
| Tuesday | 8:00 AM - 5:00 PM |
| Wednesday | 8:00 AM - 5:00 PM |
| Thursday | 8:00 AM - 5:00 PM |
| Friday | 8:00 AM - 5:00 PM |
Sat-Sun by appointment only, or click here to start your insurance quote online.
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Writing insurance in the following states.
Arizona, Arkansas, Colorado, Idaho, Kansas, Nebraska, North Dakota, Washington, and headquartered in Englewood, Colorado.
We’ve built our insurance agency around understanding what you need and what’s important when protecting your family or business. That’s why we work with a wide range of insurance companies and products to meet your specific needs, including customized coverages.
We don’t work for the insurance company, we work for you.
Give us a call: 303-768-8130
Got Questions?
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Everything you need to know before working with us, no jargon, no fine print.
Don’t see your question? Contact us.
For most homes in the Denver metro area, earthquake risk is low to moderate, and standard homeowners policies exclude earthquake damage. Colorado does have earthquakes: the Colorado Geological Survey notes a magnitude 5.3 quake near the Rocky Mountain Arsenal in 1967, a 5.3 near Trinidad in 2011, and evidence of larger historic quakes along the Front Range.
Earthquake coverage can usually be added by endorsement or a separate policy at a modest cost, typically with a percentage deductible. If you want peace of mind, we can quote it, but for most Englewood homeowners, hail, wind, and wildfire coverage deserve attention first.
Questions about your own policy? Johnson Insurance Agency in Englewood helps families and businesses across the Denver metro area and Colorado compare coverage from multiple carriers. Call us at 303-768-8130.
Colorado homeowners premiums are among the highest in the country, mainly because of hail and wildfire. The Front Range sits in “Hail Alley,” and Colorado regularly ranks second only to Texas for hail insurance claims. The December 2021 Marshall Fire destroyed more than 1,000 homes in Boulder County and showed that wildfire can reach suburban neighborhoods. Higher rebuilding costs and the rising cost of reinsurance add to it.
Insurers file their own rates with the Colorado Division of Insurance, and many now use percentage wind and hail deductibles. Homeowners who can’t find coverage in the private market can turn to the Colorado FAIR Plan, the state’s insurer of last resort.
To keep your premium down, ask about discounts for a Class 4 impact-resistant roof, bundle home and auto, understand your wind and hail deductible, create defensible space if you live near open land, and compare carriers at renewal.
Questions about your own policy? Johnson Insurance Agency in Englewood helps families and businesses across the Denver metro area and Colorado compare coverage from multiple carriers. Call us at 303-768-8130.
Start with a review of your policy and needs from a local agent who can compare carriers, since quotes for the same coverage on the same home can vary widely. Make sure each quote offers the same coverage.
Ask about discounts for bundling home and auto, security and fire alarm systems, a Class 4 impact-resistant roof, and claim-free history. Raising your deductible, for example from $1,000 to $2,500, can also lower your premium. In Colorado, review your wind and hail deductible as well, since it’s often a percentage of your dwelling coverage.
The typical homeowners policy has two main sections: Section I covers the property of the insured, and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Usually, homeowners insurance is required by the lender to obtain a mortgage.
Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When “actual cash value” is used, the policy owner is entitled to the depreciated value of the damaged property. Under the “replacement cost” coverage, the policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.
Here’s a checklist of things you should consider when you purchase homeowners insurance:
- Determine the amount and type of insurance that you need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from your insurance company will be less than the full cost to replace your home. You’ll have to pay the rest out of your own pocket. Also, decide if the personal property and personal liability limits are adequate for your needs.
- Determine which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement, an earthquake endorsement, or a jewelry endorsement?
- Once you’ve decided on the coverage you want in your homeowners insurance policy, consult us. We’ll be able to help you determine if there are any gaps in coverage you might not have been aware of and explain the details of the policy’s exclusions and limitations, as well as recommend an insurance company that will live up to your expectations.
*Note: this answer is based on the Insurance Services Office’s HO-3 policy.
A: The dwelling and other structures on the premises are protected on an “all risks” basis up to the policy limits. “All risks” means that unless the policy specifically excludes the manner in which your home is damaged or destroyed, there is coverage. The policy limit for the dwelling is set by the policy owner at the time the insurance is purchased. The policy limit for the other structure is usually equal to 10% of the policy limit for the dwelling.
Losses to your personal property are covered on a “named perils” basis. “Named perils” means that you have coverage only when your property is damaged or destroyed in the manner specifically described in the policy. The policy limit on the coverage is equal to 50% of the policy limit on the dwelling. Limits for the coverage for the additional expenses that the policy owner may incur when the residence cannot be used because of an insured loss is equal to 20% of the policy limit on the dwelling.
The coverage limit on personal liability is determined by the policy owner at the time the policy is issued. The coverage limit on medical payments to others is usually set at $1000 per injured person.
Personal property (except property that is specifically excluded) is covered anywhere in the world. For example, suppose that while traveling, you purchased a dresser and you want to ship it home. Your homeowners policy would provide coverage for the named perils while the dresser is in transit, even though the dresser has never been in your home before.
When you apply for an insurance policy, you’ll be asked a number of questions. Among other things, the agent might ask you your name, age, gender, and address. You’ll also be asked a number of other questions which will be used to determine how likely you are to make a claim.
When an insurance company is deciding whether or not to offer automobile insurance to a potential customer, they will want to know about the person’s previous driving record, whether they have any recent accidents or tickets, and what type of car is to be insured.
Insurance companies have different programs for different customers. Adults with good driving records will generally pay less for auto insurance than a young driver with traffic tickets will. In order to determine which program you qualify for, an insurance company needs basic information about you.
In addition to your age, gender, and driving experience, they will also need information about the vehicle you drive and how you drive it to determine a fair price. For example, a large luxury car costs more to repair or replace than a sub-compact, and someone who commutes 30 miles each way is more likely to be in an accident than someone who rides the bus to work and drives only on weekends.
By using an agent to purchase insurance, the policy holder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local agent who compares multiple carriers is able to deliver quality insurance with competitive pricing and local, personalized service.
It’s recommended to review your BOP annually or whenever there are significant changes in your business, such as expansion, new services, or changes in ownership. Regular reviews ensure that your coverage remains adequate and up to date with your business needs.
When selecting a BOP provider, consider factors such as the provider’s reputation, customer service, claims handling process, and the flexibility of coverage options. It’s important to choose a provider that understands your industry and can offer the support you need.
Yes, a BOP is highly customizable. You can add endorsements or additional coverages to address specific risks unique to your business, ensuring that you have comprehensive protection tailored to your needs.
The cost of a BOP varies depending on factors such as the size of your business, industry, location, and coverage limits. It’s best to get quotes from multiple providers to find the most affordable option for your specific needs.
A BOP typically does not cover professional liability, workers’ compensation, health and disability insurance, or commercial auto insurance. For instance, if your business involves providing professional services, you would need separate professional liability insurance to cover errors or omissions in your work.
