What does Colorado homeowners insurance cover? Think of homeowners insurance as your financial backup plan for the times when bad things happen to your home unexpectedly. It’s important to protect one of your most prized possessions, so you can bounce back financially when the going gets rough. Colorado Wildfire Risk Public Viewer
Pays for repairs to your home and your belongings
- Example: A tree falls on your house, and rain ruins your 60″ Samsung TV.
Pays for someone else’s injuries or property damage when it’s your fault
- Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor’s window.
Pays for temporary living expenses when your home is damaged
- Example: You need a hotel while your house’s roof is being repaired due to a fallen tree.
Homeowners insurance covers so much more than just your house. Homeowners also covers other structures on your property (barn, shed, fence), your belongings (furniture, clothes, electronics), lawsuits, and even temporary living expenses during home repairs. And yes, these coverages come standard at no extra cost. Just get a homeowners insurance quote, and you can see all your coverages.
So, what does Colorado homeowners insurance cover?
Dwelling coverage
Covers damage to your house and attachments
Dwelling coverage pays for damage to your house and anything permanently attached to it, including your garage, roof, chimneys, attached deck, countertops, cabinets, flooring, vanities, etc.
Example: A pipe in your kitchen bursts and water damages your walls, cabinets, countertops, appliances, and hardwood floors. This then pays to repair or replace what’s damaged and water removal. Do you also own property in California?
Other structures
Covers structures not permanently attached to your house
Other structures coverage includes unattached garages, gazebos, decks, patios, sheds, pergolas, fences, driveways, etc.
Example: During a windstorm, a tree falls and damages your shed, fence, deck, and pool. This then pays to repair or replace the structures that were damaged and tree removal.
Personal possessions
Covers your belongings if they’re stolen or damaged
Personal possessions cover just about all of your stuff if it’s damaged or stolen. This can include electronics, furniture, clothes, tools/power equipment, and more. Your items are even covered if they’re not stored in your home (sheds, garages, your car, storage facilities, etc.).