Is Your Homeowner’s Policy Keeping Up In the Hot Real Estate Market?

homeowners policy

If you’re like most homeowners, the past few years have been cause for celebration. Home prices in Denver and elsewhere in Colorado have climbed steadily, even dramatically in some areas, and equity gains have been so strong that people are leveraging their real estate to remodel their homes or even buy a place in the… Read more »

6 Surprising Things Your Homeowner’s Insurance Covers

We all have a fairly clear idea of what our homeowner’s insurance policy covers and what it excludes. For example, everyone knows their policy will repair or rebuild their home if it’s damaged or destroyed by fire, hurricane, hail and lightning. Most homeowners also know their policy won’t cover earthquake or flood damage. Although every… Read more »

Why Skiers (and Their Parents) Really Need Homeowner’s Insurance

Ski season has arrived once again and with it come concerns about injuries, hospitalization costs and liability. If you fall while skiing and are hurt, your medical insurance helps pay the costs. But what happens when you crash into and injure someone else? Or when your injury is another skier’s fault? Who pays? If you’re… Read more »

6 Ways to Save on Homeowner’s Insurance

Bundling, or insuring your home and auto with the same carrier, is a fairly well-recognized way to save money on your homeowner’s insurance premium. Smoke detectors, alarm systems and gated community patrol services also help. But there’s a lot more you can do to lower the cost of your policy. Here are seven things that… Read more »

Homeowners in hail-prone Colo. now face higher deductibles

Insurance carriers over the past few years have been forced to raise premiums for homeowner’s insurance in Colorado in response to a seemingly unrelenting stream of hailstorms, floods and wildfires. Going even further, some carriers are now changing their deductible formulas. These insurers are imposing deductibles based on a percentage of a home’s value rather… Read more »

Wildfire Coverage That Puts Fire Crews at Your Doorstep

The Cold Springs fire in the Nederland area destroyed eight homes by the time firefighters had mostly halted its advance. It could have been far worse, leaving fire crews overwhelmed had circumstances turned against them. Most of us have homeowners’ insurance that covers fire-related losses. Few of us, however, have coverage that includes suppression and… Read more »