Home Sweet Home Insurance: Protecting What Matters Most
Local expertise meets personalized protection: Get peace of mind from Fort Collins' most trusted insurance advisors since 1992.
Safeguard Your Biggest Investment with Confidence
Your home is more than just a building – it's where memories are made and treasures are kept safe. At FOCO Insurance, we understand that protecting your home means protecting your family's future. As your local insurance experts since 1992, we work with multiple carriers to find the perfect coverage that safeguards your property, possessions, and peace of mind. Our personalized approach ensures you get the protection you need at a price that fits your budget.
What you should know
How to choose the right coverage levels for your home, Ways to protect both your property and possessions, Options for additional coverage like flood and liability protection, How to save money while maintaining comprehensive coverage
Ways To Save
Shop around and compare quotes: Don't just stick with your current insurer out of habit. Get quotes from multiple insurance companies to compare rates and coverage options. Even if you're satisfied with your current provider, shopping around every few years can help ensure you're still getting competitive rates.
Prepare for your quote
Home address and basic property details
Recent renovations or updates
Current safety features and systems
Claims history for the past 5 years
Estimated value of personal belongings
Information about any special features or valuable items
Why We Stand Out
Access to multiple carriers for competitive rates and options
Deep understanding of local property risks and requirements
Personalized service from neighbors who know your needs
Proven track record of excellence in claims support
Understanding Your Home Insurance Options
FAQs
Home insurance, or homeowners insurance, is a policy that provides financial protection against losses and damages to your residence and assets within it, as well as liability coverage for accidents that may occur on your property.
The average cost varies by location, home value, coverage amounts, and risk factors but typically ranges from $1,000 to $1,500 annually in the United States.
Gather quotes from multiple insurers, ensuring that coverage limits and deductibles are the same for accurate comparisons. Consider customer service, claim handling, and reviews.
Covered: Fire, theft, vandalism, and certain natural disasters like windstorms. Not Covered: Floods, earthquakes, mold, slow leaks, and wear and tear. Separate policies or endorsements may be needed for these.
You should have enough insurance to cover the cost of rebuilding your home at current construction costs (replacement cost) and enough to replace your personal belongings.
Standard policies typically cover the structure of your home, personal belongings, liability protection, and additional living expenses if your home is uninhabitable due to a covered peril.
An 'All Perils' deductible applies to all covered losses except those specifically excluded. It means you'll pay the same deductible amount for any type of covered claim.
A deductible is the amount you pay out of pocket before your insurance coverage kicks in after a claim. Higher deductibles usually mean lower premiums.
Insurance Value (Replacement Cost): The cost to rebuild your home from scratch. Market Value: The amount your home would sell for in the current real estate market, including land value.
If you have an escrow account, your mortgage lender collects funds as part of your monthly payment to cover insurance premiums and property taxes, then pays them on your behalf.
Experience the Difference
Ready to experience the difference of working with a trusted insurance partner? Book your appointment online or call us today for a personalized quote and expert advice.