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Home Insurance

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Why You Should Get Home Insurance in Colorado

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Colorado’s stunning landscapes come with unique risks—wildfires, hailstorms, and rising insurance costs. Home insurance isn’t just a smart choice here—it’s essential.

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1.  Protection Against Natural Disasters

​​Colorado ranks second in the U.S. for hail claims, with over 380,000 claims filed between 2017 and 2019. Wildfires are also a growing threat:

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• Marshall Fire (2021): Over 1,000 homes destroyed, $2 billion+ in damages

• East Troublesome Fire (2020): Burned 200,000+ acres, $543 million in damages

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Home insurance helps cover the cost of rebuilding or repairing your home after such catastrophic events.

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2.  Rising Costs Make Coverage More Crucial

​​​Between 2018 and 2023, Colorado homeowners’ insurance premiums rose by 57.9%, far outpacing the national average of 33.8%. In 2025, the average annual premium in Colorado is around $4,000, making it the fourth-highest in the nation. With costs this high, having insurance ensures you’re not left financially stranded after a loss.

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3.  Covers Temporary Living Expenses

​If your home becomes uninhabitable due to fire or storm damage, your policy can cover hotel stays, meals, and other living expenses while repairs are underway.

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4.  Liability Protection

​Slip-and-fall on your icy driveway? If someone gets injured on your property, home insurance can help cover legal and medical costs—so you’re not paying out of pocket.

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5.  Mortgage Requirement

​Most lenders won’t approve a mortgage without proof of home insurance. It protects their investment—and yours.

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Landlord Insurance

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Owning rental property is a smart investment—but it also comes with unique risks. Landlord insurance is designed specifically to protect you, your property, and your income from the unexpected.

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Here’s why every property owner renting out a home, apartment, or condo should seriously consider it.

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1.  Covers Property Damage

Standard homeowners insurance doesn’t typically cover damage when the property is tenant-occupied. Landlord insurance can help repair or replace your building and structures if they’re damaged by fire, storm, vandalism, or other covered events.

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2.  Provides Liability Protection

If a tenant or visitor is injured on your property and you’re found legally responsible, liability coverage can help pay for legal costs, medical expenses, and potential settlements—protecting both your finances and your reputation.

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3.  Covers Lost Rental Income

If your property becomes uninhabitable due to a covered event, landlord insurance can reimburse you for the rental income you lose during repairs. That means you’re not out of pocket while getting back on track.

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4.  Protects Against Tenant Damage

Some policies offer optional coverage for intentional damage caused by tenants—something a traditional policy won’t handle.

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5.  Supports Long-Term Investment Protection

Your rental property is a long-term asset. Landlord insurance is an essential part of keeping that investment secure, ensuring unexpected setbacks don’t derail your financial plans.

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Manufactured and Mobile Homes

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Manufactured and mobile homes face risks that traditional homes don’t—like transport damage, specialized construction materials, and unique placement on leased land or in mobile communities. Standard homeowners policies often miss these nuances. That’s why tailored coverage is essential: it protects against wind, fire, theft, and liability while accounting for the distinct structure and lifestyle of mobile living. Whether stationary or on the move, this insurance ensures peace of mind where one-size-fits-all simply won’t do

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Renters Insurance

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You may not own your home—but you do own what’s inside it. Renters insurance is an affordable, often overlooked safeguard that can protect your belongings, cover liability, and provide peace of mind in the unexpected moments of life.

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1.  Protects Your Personal Belongings

Furniture, electronics, clothing, kitchenware—if you added it all up, the total value of your possessions might surprise you. Renters insurance helps pay to repair or replace your belongings if they’re damaged or stolen due to fire, theft, vandalism, or other covered events.

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2.  Covers Liability Risks

If a guest is injured in your home or you accidentally cause damage to someone else’s property—like an overflowing bathtub leaking into a neighbor’s unit—liability coverage helps cover legal fees, medical bills, or damages.

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3.  Provides Living Expense Coverage

If your apartment becomes uninhabitable due to a covered event, like a fire or severe water damage, renters insurance can help pay for hotel stays, temporary housing, and other additional living expenses while repairs are underway.

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4.  Affordable Peace of Mind

Renters insurance is one of the most cost-effective types of coverage available, often costing less than the price of a coffee a week. For a small monthly premium, you gain significant financial protection.

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5.  Required by Many Landlords

More and more property managers require tenants to carry renters insurance as a condition of the lease. It helps protect both you and your landlord by ensuring that damage or liability issues are covered.

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Vacant Homes​

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When a home sits empty—whether between tenants, during renovations, or while on the market—it faces heightened risks. Break-ins, vandalism, undetected leaks, and even liability issues can escalate quickly without someone there to catch them. Standard homeowners policies often reduce or drop coverage when a property is vacant. That’s where vacant home insurance steps in: offering protection tailored to the unique vulnerabilities of an unoccupied space, so your investment stays safe even when no one’s home.​​

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Seasonal/Secondary Homes

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A second home is a retreat, an investment, and a source of cherished memories—but it’s also more vulnerable when left unattended. Whether it’s a mountain cabin or a beachside bungalow, seasonal homes face risks like weather damage, theft, and liability, especially when vacant for long stretches. Standard homeowners insurance often doesn’t extend full protection to these properties. That’s why dedicated coverage is key: it safeguards your getaway with the same care you’d give your primary residence, even when you’re miles away.​

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Condominium Insurance

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Owning a condo comes with many perks—low-maintenance living, access to shared amenities, and a sense of community. But when it comes to protecting your home and personal belongings, the building’s master policy isn’t enough on its own. That’s where condominium insurance, also known as HO-6 insurance, steps in.

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1.  Fills the Gaps in the HOA Master Policy

Your homeowners association (HOA) likely carries a master insurance policy, but it typically only covers the building’s structure and shared spaces. Condo insurance protects everything from the walls in—your appliances, fixtures, flooring, cabinetry, and more.

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2.  Protects Personal Belongings

Furniture, electronics, clothing, and valuables—your personal property adds up. Condo insurance helps cover the cost of repairing or replacing these items if they’re damaged or stolen due to fire, theft, or other covered events.

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3.  Covers Liability Risks

If someone is injured inside your unit or you accidentally damage a neighboring property—think overflowing bathtub or kitchen fire—liability coverage can help pay for legal fees, repairs, or medical costs.

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4.  Loss of Use Coverage

If your condo becomes uninhabitable due to a covered incident, this coverage helps pay for temporary housing and additional living expenses while repairs are made.

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5.  Peace of Mind

Condominium insurance gives you the confidence that you're covered, whether it’s a burst pipe or a burglary. It’s a small investment that offers major protection—financially and emotionally.

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Specialty Insurance​

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Specialty homes are properties that fall outside the scope of standard homeowners insurance due to their unique features, location, or usage.