How long is the waiting period for flood insurance in Colorado?

NFIP flood insurance generally has a 30-day waiting period before coverage begins, so you can't buy a policy when storms are in the forecast and expect it to cover them. Coverage bought in connection with a new mortgage or loan closing can start right away, and there is a special exception for flooding caused by post-wildfire conditions on federal land when the policy is bought within 60 days after the fire is contained. Private flood policies may have shorter waiting periods. In Colorado, the highest flood risk usually runs from spring snowmelt through the summer thunderstorm and monsoon season, so the best time to buy is well before May. 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 .

Does homeowners insurance cover flooding in Colorado?

No. Standard Colorado homeowners policies exclude flood damage, so you need a separate flood policy through the National Flood Insurance Program (NFIP) or a private flood insurer. Flood includes overflowing creeks and rivers, flash floods, mudflows, and snowmelt or heavy rain that rises into the home. Water from a burst pipe or a hail-damaged roof is usually a homeowners claim; rising surface water is not. Colorado has a long flood history, including the 1965 South Platte River flood that swept through Englewood and Denver, the 1976 Big Thompson flood, and the September 2013 Front Range floods. Flash flooding below wildfire burn scars has become a growing risk as well. 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 .

What should I do after a car accident in Colorado?

Move to safety if you can, call 911 if anyone is hurt, and notify law enforcement. Colorado law requires drivers to report a crash involving injury, death, or property damage to police right away. During "Accident Alert" periods in bad weather, Denver-area agencies may ask you to exchange information and file a report later if there are no injuries, no alcohol or drugs involved, and the cars can be driven. Exchange names, driver's license numbers, insurance information, and vehicle registration with the other driver. Photograph the vehicles, the scene, and road conditions, and get witness contact information. Avoid discussing fault at the scene: under Colorado's comparative negligence rule, your share of fault reduces what you can recover. See a doctor promptly and report the claim to your insurance company. 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 .

Do I need uninsured motorist coverage in Colorado?

It's strongly recommended. Colorado insurers must offer Uninsured/Underinsured Motorist (UM/UIM) coverage at limits matching your liability coverage, and you can only decline it in writing. Insurance Research Council estimates have put Colorado's share of uninsured drivers in the mid-to-high teens, roughly one driver in six, which is well above the national average. UM pays for your injuries when the at-fault driver has no insurance or flees the scene. UIM pays when the at-fault driver's limits are too low. In Colorado, UIM is added on top of the at-fault driver's liability payment rather than reduced by it, so it adds to what you can recover. We generally recommend matching your UM/UIM limits to your liability limits. 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 .

Is Colorado a no-fault state for car insurance?

No. Colorado has been an at-fault (tort) state since it repealed its no-fault law in 2003. The driver who causes a crash, and their insurer, is responsible for the other people's injuries and damage. Colorado follows modified comparative negligence: you can recover damages as long as you are less than 50% at fault, but your recovery is reduced by your share of fault, and you recover nothing if you are 50% or more at fault. That's why your own coverages matter. Medical Payments helps with your medical bills regardless of fault, Collision pays to repair your car, and Uninsured/Underinsured Motorist coverage protects you when the at-fault driver has little or no insurance. 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 .

Why is car insurance going up in Colorado?

Colorado auto rates have risen faster than the national average for several years. The main reasons are hail, which makes Colorado one of the most expensive states for comprehensive claims; high vehicle theft rates in the Denver metro area; repair costs for vehicles packed with sensors and cameras; rising medical and legal costs; and a large share of uninsured drivers. Insurers file their own rates with the Colorado Division of Insurance, so prices for the same driver can vary a lot from one carrier to the next. To manage your premium, keep a clean record, bundle home and auto, consider a higher comprehensive deductible, park in a garage during hail season, 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 .

What car insurance is required in Colorado?

Colorado requires every driver to carry liability insurance of at least $25,000 for injury or death to one person, $50,000 for injury or death to two or more people in one accident, and $15,000 for property damage, often written as 25/50/15. Insurers must also offer Uninsured/Underinsured Motorist coverage and $5,000 of Medical Payments coverage, and you have to reject either one in writing if you don't want it. Liability coverage pays for injuries and damage you cause to others. It doesn't pay for your own car. Driving uninsured in Colorado is a misdemeanor with a minimum $500 fine, points on your license, and a suspension until you file proof of insurance (an SR-22). Most Englewood and Denver-area drivers are better protected with higher liability limits plus UM/UIM, Comprehensive, and Collision coverage. 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 .

Do I need earthquake insurance in Colorado?

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 .

Why is homeowners insurance so expensive in Colorado?

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 .

What's the difference between Collision Physical Damage Coverage and Comprehensive Physical Damage Coverage?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" first="true"][fusion_text] Collision Physical Damage Coverage is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage. Comprehensive Physical Damage Coverage provides coverage for most other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm would be covered under your comprehensive coverage. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

FAQs Listings in Colorado | Page 2 of 19 | Johnson Insurance Agency

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How long is the waiting period for flood insurance in Colorado?
NFIP flood insurance generally has a 30-day waiting period before coverage begins, so you can't buy a policy when storms are in the forecast and expect it to cover them. ...
Read MoreRead More
Does homeowners insurance cover flooding in Colorado?
No. Standard Colorado homeowners policies exclude flood damage, so you need a separate flood policy through the National Flood Insurance Program (NFIP) or a private flood insurer. Flood includes overflowing ...
Read MoreRead More
What should I do after a car accident in Colorado?
Move to safety if you can, call 911 if anyone is hurt, and notify law enforcement. Colorado law requires drivers to report a crash involving injury, death, or property damage ...
Read MoreRead More
Do I need uninsured motorist coverage in Colorado?
It's strongly recommended. Colorado insurers must offer Uninsured/Underinsured Motorist (UM/UIM) coverage at limits matching your liability coverage, and you can only decline it in writing. Insurance Research Council estimates have ...
Read MoreRead More
Is Colorado a no-fault state for car insurance?
No. Colorado has been an at-fault (tort) state since it repealed its no-fault law in 2003. The driver who causes a crash, and their insurer, is responsible for the other ...
Read MoreRead More
Why is car insurance going up in Colorado?
Colorado auto rates have risen faster than the national average for several years. The main reasons are hail, which makes Colorado one of the most expensive states for comprehensive claims; ...
Read MoreRead More
What car insurance is required in Colorado?
Colorado requires every driver to carry liability insurance of at least $25,000 for injury or death to one person, $50,000 for injury or death to two or more people in ...
Read MoreRead More
Do I need earthquake insurance in Colorado?
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 ...
Read MoreRead More
Why is homeowners insurance so expensive in Colorado?
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 ...
Read MoreRead More
What’s the difference between Collision Physical Damage Coverage and Comprehensive Physical Damage Coverage?
Collision Physical Damage Coverage is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking ...
Read MoreRead More