Home Insurance in Colorado Springs, CO

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Explore Colorado Springs, Colorado, (CO) Home Insurance Options

Residents of Colorado Springs, Colorado, (CO) can enjoy a wide variety of outdoor activities, arts, and cultural events in this thriving city of over 470,000 residents. As you explore your new city, or consider ways to personalize your existing policy, find out how your local VIU by HUB team can help you find the best Colorado Springs home insurance for your needs.

Common Features of Colorado Springs Home Insurance Policies

Home insurance comes with many coverage options, limits, and premiums to choose from. When you explore coverage for your home, you need to consider which risks are included, what property is covered and how much your policy will be valued at. Here are some basic coverage options to consider:

  • Structure coverage
  • Personal property coverage
  • Personal liability
  • Living expense coverage

How much is your home worth? The selling price of most homes is considerably lower than the cost to rebuild them, so work with our agents to receive full replacement value for your home. Your Colorado Springs, CO home insurance shouldn’t just offer the value of your home but should give you enough coverage to fully restore your home.

Ask your broker about any additional structures on your property. Garden sheds, detached sheds and other features are often neglected on home insurance policies, which leaves you without protection in the event of a disaster. Including these buildings is often an affordable way to enjoy peace of mind.

Personal liability coverage pays for medical bills in the event of an accident or injury on your property. It can also include payments for legal fees. The limit of this policy can vary widely, so work with your local agent to set a reasonable rate for Colorado Springs, CO.

Living expense coverage helps you afford a hotel or rental while your home is being remodeled. After a tragedy, it can take days, weeks, or months to fully restore your home. Stay safe and protect your family with this coverage feature.

If you wish to adjust your premium, review the limits and deductibles of your Colorado Springs home insurance policy. Adding a deductible to your policy or reducing the limit of your insurance coverage can considerably lower your annual premium. Minor changes can reduce your deductible or extend your coverage in ways that improve on your existing insurance coverage.

Don’t assume a particular risk is included in your Colorado Springs home insurance policy. Policies vary considerably, so work with an agent that can help you review every aspect to avoid missing any important coverage features for your home and your area.

Risks Your Colorado Springs Home Insurance Can Cover

Even a brand-new home still comes with risks. Your Colorado Springs, CO home insurance needs to include the common risks in your area to keep you safe. Here are some common risks that can be part of your home insurance policy:

  • Wind
  • Fire
  • Vandalism and theft
  • Freezing temperatures
  • Flooding
  • Earthquakes

Some disasters are more common than others, so discuss each of these risks with your VIU by HUB Colorado Springs, CO home insurance broker. Don’t let wildfires, vandalism, freezing temperatures, or strong winds leave you with thousands of dollars of damage that you must pay out of pocket; rather, enjoy comprehensive coverage for common risks. Find the best combination of low-cost insurance that protects against a wide range of disasters.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

Home insurance in Colorado by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact home insurance policies and premium rates in your city.