Fort collins home insurance

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Did you know? 

The average Colorado homeowner pays $1383 per year for their home insurance? This is slightly higher than the national average of $1132 per year. There are many factors including types and construction of homes, number of natural disasters (wind/hail/forest fires) and lack of multi-line discounts “bundling”. We can help with this!

In 2017, there were $1.8 Billion dollars spent by homeowners insurance companies in Colorado for homeowners claims! 


Things that Our Agents can Help You With


There are many things to consider when buying or change home insurance policies. Our Insurance Agent Professionals can help you find the right coverage for you and your home. There are a lot of cost effective endorsements that can help protect those things in your home that mean so much to you. Here are just a few things to consider and talk with our agent about:

  • How much does the average Colorado homeowners pay for insurance?
  • What is the proper Dwelling Coverage Limit for my home?
  • How much coverage for Detached Structures do I need?
  • How much Personal Property Coverage (Electronics, Clothes, Furniture, etc) should I have?
  • What is Medical Liability Coverage and how much should I have?
  • How much Personal Liability is needed to protect my family and our assets?
  • What Deductible would be most cost effective for me?
  • Do I need coverage for Special Items, such as jewelry, artwork, cash, collectibles etc?
  • What kind of liability exposures do we have, such as a trampoline, pool, etc?
  • Hail Claims! We have all experienced them in recent years. What effect will hail claims have on my home insurance rates?
Fort Collins Home Insurance, provided by U.S. Insurance, will match you with companies that can offer you low cost home insurance to fit your needs.


Coverage A: 

Dwelling Coverage

The amount of coverage on the primary structure itself. This covers everything from the slab to the roof that is permanently attached to the structure. It is typically written on a “Replacement Cost” form. This means that the house should be insured to what it would could to rebuild not what its “market value” is. It is important to speak with your insurance agent to determine the appropriate dwelling coverage for your home as each home is different and there are “caps” to the dwelling coverage, depending on the policy you choose. Most insurance companies will automatically extend your dwelling coverage to 120% of that stated on your declarations page, as long as your home is currently insured to 100% of it’s replacement cost, thereby creating a “cushion” for inflation and increased building costs. Other insurance companies offer 150% Replacement Cost Coverage and even “Guaranteed No-Cap Replacement”.


Other Structures Coverage 

Insurance for structures not attached to the dwelling. This includes, but is not limited to, fences, sheds, detached garage, pools, etc. The standard amount offered is typically 10% to 50% of what the Dwelling Coverage insurance is. This amount of insurance can be increased if needed, but is limited to the amount of coverage you have chosen on your Home Insurance Declarations Page.


Personal Property Coverage

Most policies offer an additional amount (typically 50% to 75% of what the Dwelling coverage is) for insurance on your personal belongings or contents. Be careful, because there are limits for items such as jewelry, silver, guns, furs, artwork and cash, among other things. This amount of insurance can be increased if needed as “Scheduled Personal Property”. If you have an in-home business or business equipment at your house discuss this with us and we will advise you accordingly. This amount of insurance can be increased if needed, but is limited to the amount of coverage you have chosen on your Home Insurance Declarations Page.


PERSONAL Liability Coverage

This insures you for your negligence. It is a very important coverage and, therefore, it is best to discuss the amount of coverage with your agent. The amount of coverage varies from $100,000 to $1,000,000, depending on your needs and the insurance company limits. For needs in excess of $1,000,000, you will typically want an “Umbrella Policy”.

Get Quotes from Top Homeowers Insurance Companies in Foco.

Compare multiple insurance companies and quotes easily in one place. Are you interested in finding home insurance that will cover theft, fire, water, hail, wind or other serious damage to your home and belongings. Fort Collins Home Insurance can provide you with a number of quotes that will compare insurance companies and their coverage options. With so many options to choose from, finding the plan that works best for you can be very intimidating.

We make finding a great homeowers insurance policy simple! Instead of going from agency to agency, or website to website, wasting a good amount of time. You simply enter your zip code and we find all the top home insurance companies in your area. All of your insurance shopping needs…All in one place! We believe in finding an insurance solution for you using our experience and powerful industry resources. We with you to make sure you get an affordable plan that covers what you need.

Benefits in Having Home Insurance

When you invest in a home of your own, you have to think about all of the extras that make your home a safe and happy place to live. Having the right home insurance will help you gain the peace of mind every homeowner should feel. Theft, tire, water damage are just a few types of damage that can affect your home and family. Insurance companies carry many types of coverage for your home. Home Insurance Quotes will help you protect your investment, belongings and liability by putting you in contact with reputable insurance agents and companies. Comparing multiple insurance quotes will allow you to choose an insurance company that carries the coverage you need at the price you want.

We encourage you to quote your home and auto insurance policies at the same time.

This will allow our agents to apply Multi-Line Discounts to your car insurance and home insurance quotes

And... save an additional 10% to 20% off!

Are You Looking For Reliable Insurance Brokers Near You?

We are a local, independent insurance agency right here in Fort Collins, with more than than 18 years of knowledge and service in the personal insurance industry. 

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