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.
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