Protect Your Home & Everything That Makes It Yours
Trusted by Homeowners for Over 30 Years
Our team of 7 licensed professionals brings decades of combined expertise to find you the right protection at the right price.
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Customers stay with us year over year over year
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Fort Collins owned & operated since 1992
Your Home's Safety Net
Nobody wants to need homeowners insurance. But when the unexpected happens, you'll be glad you have the right coverage.
When Water Finds a Way
Michael discovered a small leak under his kitchen sink had been slowly damaging his cabinetry and flooring for weeks. His homeowners policy covered the $7,800 in damages, minus his $1,000 deductible. Instead of draining savings or living with damaged floors, he only paid the deductible while his insurance handled the rest, including professional restoration to prevent mold.
When Nature Tests Your Roof
After a severe hailstorm, Rebecca discovered significant damage to her roof, gutters, and two broken windows. Her homeowners policy covered the full $14,600 replacement of her damaged roof and repairs to her home. Her insurance even provided temporary housing during the most disruptive repairs. Without coverage, this unexpected event would have depleted her emergency savings completely.
When Fire Changes Everything
The Thompsons escaped their house fire with only the clothes they were wearing. Their homeowners policy covered the $350,000 rebuild, replacement of personal belongings, and temporary housing for 8 months during reconstruction. Their agent guided them through the claim process step-by-step, ensuring they received the full benefits of their replacement cost coverage. Despite losing irreplaceable mementos, they avoided financial devastation because they were properly insured.
Building Your Protection Plan
Dwelling Coverage: Pays to Rebuild or Repair Your Home After Covered Damage
When disasters like fire, hail, or wind strike, your home's structure could face costly damage. Dwelling coverage is the primary protection that helps cover repairs or even a full rebuild—so you're not left facing massive out-of-pocket costs.
Smart Coverage Decisions for Your Life Stage
Your homeowners insurance needs evolve as your life changes. Let's explore how to strategically protect what matters most to you right now.
First-Time Homebuyer
As a new homeowner, you're balancing mortgage payments, maintenance costs, and establishing your emergency fund. Focus on getting the right dwelling coverage based on rebuilding costs—not market value or mortgage amount. Consider starting with a slightly higher deductible to manage premiums while ensuring replacement cost coverage for your belongings.
Smart moves include documenting all your possessions with photos and receipts, installing smoke detectors on every level, and considering a monitored security system for both protection and premium discounts of 5-20%.
Growing Family
With children, pets, and accumulating possessions, your coverage needs expand significantly. Increase your liability protection to at least $300,000 to shield your family's financial future from potential lawsuits. Consider scheduling high-value items like jewelry or electronics that exceed standard policy limits.
Don't overlook water backup coverage—it's not typically included in standard policies but is essential with children who might accidentally flush toys or with aging plumbing systems. An umbrella policy providing $1M+ additional liability protection offers substantial peace of mind for just $200-400 annually.
Established Homeowner
As an established homeowner, you've likely accumulated significant equity and possessions. Consider guaranteed replacement cost coverage rather than standard replacement cost—this protects you even if rebuilding exceeds your dwelling limit. Review your policy to ensure renovations and home improvements are reflected in your coverage.
Your risk profile has evolved—you likely have more assets to protect and potentially more valuable items to schedule separately. An annual policy review is essential, as is increasing ordinance and law coverage to 25-50% of dwelling value to account for building code changes that could affect rebuilding.
The 3-Question Coverage Framework
Ask yourself these three questions for every coverage option:
1. What would it truly cost to rebuild?
Construction costs have increased dramatically—up to 35% in recent years. Your coverage should reflect today's rebuilding costs, not what you paid for the home or its current market value. Factor in the unique features of your home that would be expensive to recreate.
2. What gaps might exist in standard coverage?
Standard policies have significant limitations. Water backup damage typically requires additional coverage, as does extended replacement cost protection. Review potential disasters in your region and ensure you're protected against the most likely scenarios.
3. How well could you absorb a loss?
Your deductible should align with your financial reality. A $2,500 deductible instead of $500 might save 15-20% on premiums, but only makes sense if you can comfortably access that amount in an emergency. Similarly, possessions with high financial or sentimental value might warrant scheduled coverage with no deductible.
🚩 Red Flags: When Homeowners Coverage Falls Short 🚩
Basic Actual Cash Value Policies: These pay depreciated values, not replacement cost. When your 10-year-old roof is damaged, you'll receive its depreciated value—often leaving you with a significant financial gap to cover replacement.
Insufficient Dwelling Coverage: Many homes are underinsured by 22% or more. With rebuilding costs at $150-300 per square foot, being underinsured by even 20% on a 2,000 square foot home could mean a $60,000-120,000 shortage when rebuilding.
Ignoring Ordinance and Law Coverage: If your home is more than 15 years old and gets damaged, building codes have likely changed. Without ordinance and law coverage, you'll pay out-of-pocket for mandatory code upgrades during repairs or rebuilding.
Missing Water Backup Coverage: Standard policies exclude water damage from backed-up drains or sump pump failures—which typically costs $5,000-25,000 to repair. This inexpensive endorsement is essential protection most homeowners overlook.
Understanding the Economics of Home Protection
Your premium is an investment in protection, not just an expense. Let's explore what drives costs and how to maximize value.
Cost Comparisons
Major Roof Damage from Storm:
With proper coverage: $1,000-2,500 (your deductible)
Without coverage: $15,000-45,000 (total roof replacement cost)
Kitchen Fire:
With proper coverage: $1,000-2,500 (deductible) + temporary housing covered
Without coverage: $30,000-75,000 (repairs, smoke remediation, personal property)
Liability Claim (Child injured on property):
With proper coverage: $0 out-of-pocket for covered liability claim
Without coverage: $50,000-500,000+ (medical bills, legal fees, potential settlement)
The Real World
$3,320 - Regional average annual premium for $250,000 dwelling coverage. That's approximately $277/month for comprehensive protection of your most valuable asset.
35% higher - How much regional homeowners premiums exceed the national average due to increased exposure to significant weather events and rising rebuilding costs.
50%+ increase - Premium growth in high-risk areas from 2019-2022, reflecting increased severity and frequency of claims.
45% savings - Average premium reduction for newly constructed homes vs. those built around 2000, highlighting how building materials and updated systems affect insurance costs.
Protect Your Home With Confidence
Join over 1,400 homeowners who trust us to find the right coverage at the right price. Our team has been protecting families like yours for more than 30 years.
FAQs
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