Your home is precious to you and your family. Not only is it where you go after a long day of work, but it’s where you keep all of your most prized possessions — from your pets to your grandmother’s jewelry.

The purpose of homeowners insurance is to help financially protect your home and your belongings in case of damage or theft. Not only that, but certain policies also help you cover the costs of damage done to another person’s property, or pay for medical expenses of someone injured at your home.

What is protected with homeowners insurance?

When it comes to Colorado homeowners insurance, what is typically covered? Here’s what’s covered in most policies:

• Your home
• Other structures on your property like garages or sheds
• Personal property inside your home
• Liability for injuries that happen at your home
• Liability for damage to someone else's property

Of course, the level of coverage you receive is based on the policy you choose. You can speak with a member of the Rick Baker Insurance team by calling 303-444-3334 to learn more about coverage options for your home!

What does homeowners insurance protect me from?

Depending on your policy, damage done to your home by natural disasters could be covered. This includes situations like damage due to:

• Lightning strikes
• Hail
• Wind
• Fire
• Floods
• Earthquakes

You should know exactly what coverage you’re interested in and ask your insurance agent to break down your specific policy.

Homeowners insurance also protects your home, which also includes the foundation of your home, the walls, and the roof. “Dwelling protection” typically also includes garages, sheds, and fences.

In terms of personal property, every policy is different. However, most personal property coverage includes:

• Electronics
• Furniture
• Jewelry
• Furs

When it comes to liability protection, typical Colorado homeowners insurance ensures that you can cover medical costs associated with an injury at your home. Not only that, but it can help you with legal costs, too, if the injured person takes legal action.

Find the right Colorado homeowners policy for you

If you’re searching for the right homeowners policy for your Colorado home, Rick Baker Insurance can help. We offer a wide variety of homeowners insurance policies for you to choose from, and our experts can help you find the one that best fits your needs.

Give us a call today at 303-444-3334 to learn more about our policy offerings!

Get a Free Homeowner Insurance Quote