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Denver Homeowners Insurance

 Denver Homeowners InsuranceHome Insurance

Whether your home is brick, stone, or wood frame Horizons Insurance, Inc will work to get you the best Denver Homeowners insurance rates on your home. Own a Condo or town home? We can insure you.

Have you lost insurance due to a claim, bad credit? We can get you the insurance you need.

Protect Your Home and Everything In It.

When you own a home, you’ll want to protect the physical building and all the things that are in your home. A standard home insurance policy will ensure that if something like fire, vandalism or theft occurs, your home and your valuables will be replaced.

You also need to think about protecting any other structures that exist on your property, like a detached garage. And, in the event that your home is damaged, and you need to move out for a while, you may want to consider investing in insurance that will help pay for out-of-pocket expenses like hotel rooms and food.

As a homeowner, you may be held liable for accidents that people have while on your property or you may accidentally damage other people’s belongings either in your own home, or somewhere else. A well-structured home insurance policy will make sure that you’re covered for any of these unforeseeable events.


Standard Home Coverages

Building coverage
All risk coverage insures your building for the most common types of losses. When you have All Risk coverage, your building is insured for everything; unless it’s specifically excluded from your policy (e.g. intentional damage to your own property would not be covered).

Named-Perils coverage
This includes a list of the most common types of things covered under your insurance. Named-Perils include fire, theft and water damage. Everything is listed very clearly in your policy booklet so you have a complete and thorough understanding of what your insurance policy covers.

Named-Perils building coverage is very rare. After all, your home is probably the largest investment you will ever make – why would you not want it fully protected?

All-risk contents
This insures your belongings inside your home for the most common types of losses. When you have All Risk coverage, your contents are insured for everything, unless it’s specifically excluded from your policy. Named-Perils coverage includes a list of the most common types of things covered under your insurance. Named-Perils include fire, theft and water damage. Everything is listed very clearly in your policy booklet so you have a complete and thorough understanding of what your insurance policy covers.

A standard home policy
This provides for the Actual Cash Value (ACV) replacement of your belongings. This means you only receive the value of the item, less depreciation. For example, if you purchased a TV 5 years ago for $500, you might only get $100 for it if it were destroyed in a fire. Even though it may cost you $600 to replace that same TV today, your insurance would still only give you $100. Many people choose to add the Replacement Value option to their contents coverage. Replacement value coverage means that the contents of your home are insured for the amount it costs to replace them. When you replace the item(s) with a similar kind and quality, within a specified time, the insurer will pay you what it cost you to replace the item(s) not what they were actually worth in their used state. This means if your 5 year-old TV was lost in a fire, you would get the full amount it would cost to replace it, even if that is more than you paid for the TV in the first place.

Detached private structure
This type of coverage applies to structures that exist on your property, but that are not connected to your primary residence. For instance, a detached garage could be included under this coverage. There is usually a certain limit assigned to this kind of coverage, but you can always increase that limit by purchasing additional coverage options.

Additional living expenses
If you are forced to leave your home because of a loss, this coverage pays for your reasonable and necessary expenses to temporarily live away from home. Hotel and food costs are the type of expenses that would be covered under such circumstances. There is usually a limit on this kind of coverage.

Personal liability
Liability is a legal responsibility. Liability insurance protects you from having to pay damages to people, if you’ve been found responsible for unintentionally injuring them or damaging their property.

Here are some examples:
* If someone injures himself/herself on the property you occupy, you may be responsible for damages. For example, if someone slips on your front steps, breaks his/her leg, and can’t go to work, you could be held responsible for the person’s lost wages.

* If you or a member of your family damages another person’s property, you may be held liable. So if your son accidentally throws a baseball through the neighbors’ window, and breaks an expensive antique, you may have to pay.

Why Home Insurance?

Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.

While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Long’s Insurance Agency about specific coverage options that are applicable to your individual needs.

Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from Long’s Insurance Agency.

Horizons Insurance Inc. provides Home Insurance for residents near the Denver Metropolitan Area.


Homeowners Liability

Protect Yourself, Your Home, and Your Finances.

Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.

With a Homeowners Liability policy from Horizons Insurance Inc., you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:

  • Claims for property damage
  • Claims for injury to others (either on or off the premises)
  • Liability defense costs
  • Medical expenses for injuries to others

Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative from Long’s Insurance Agency to determine the right amount of coverage to keep you protected today.

Mobile Home Insurance

Mobile Homes are another group of policies that many agents avoid. Horizons Insurance, Inc works with a variety of top insurance companies who are willing to insure your mobile home.