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.
Related FAQs
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 ...
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 ...
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 ...
