Home Insurance

A standard homeowners policy may include the following coverages:

• Dwelling coverage — Insurance coverage for attached structures, such as decks or garages.
• Other structure coverage — Coverage for fences, sheds, and other structures on the property.
• Personal liability coverage — If you or a member of your family accidentally damages someone else’s property or injures someone, liability coverage can help pay for repair costs, legal fees, and medical bills.
• Personal property coverage — Coverage for replacing stolen or damaged belongings, such as electronics and furniture, following a loss covered by your Colorado homeowners insurance plan.
• Guest medical protection — If a visitor injures themselves while visiting your home, your guest medical protection plan may help cover their medical bills.
• Additional living expenses coverage — If your home becomes damaged by fire or flood or other causes to the extent that it becomes unlivable, your homeowners insurance plan may help pay for temporary living costs, such as hotel bills.

Want to find a homeowners insurance company and policy that covers some of these, all of these, or more than just these examples of extents of coverage? InsureU Colorado makes it easy.

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What Homeowners Insurance Covers:

Having full coverage on your home will protect you in the event that your house is destroyed by a storm, fire, or other natural disaster. In the unfortunate event that this happens, you’ll want to make sure that you and your family receive the compensation you need to find new housing. You don’t want to be left out on the street in the cold simply because you neglected to obtain this essential coverage for your family. Depending on the type of coverage you choose, you may also wish to add coverage for your belongings as well, not just the house itself. By adding personal property coverage, you can get expensive items replaced in the event of damage or theft.

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