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Home and Renters Insurance in Colorado
Homeowners 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 townhome? We can ensure 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 by 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 by 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 is 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, flood 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.
Denver Mobile Home Insurance
Specialized Security for Your Home and Property
At Horizons Insurance Inc., we know you've worked hard to turn your mobile home into the perfect living space for you and your family, but sometimes accidents like fire or severe storms can cause major setbacks. That's why we're committed to serving all of your insurance needs. With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss.
Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:
- Personal Property Protection to pay for loss or damage to most of your personal items
- Family Liability Protection to provide legal representation against injury or property damage claims
- Guest Medical Protection to help cover the medical expenses for visitors injured in your home
- Home & Structure Protection to compensate you for building repairs after a covered accident
- Additional Living Expenses to reimburse you for temporary housing during reconstruction
- Additional Benefits for Your Mobile Home
We know how special your mobile or manufactured home is to you, and we're proud to offer to an exceptional insurance policy that's designed to meet your budget. You may also qualify for extra savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.
Talk with an insurance specialist at Horizons Insurance Inc. to learn how you can save with Mobile Home Insurance.
Vacant Property Insurance
Vacant Property Insurance is another type of insurance that most agencies won't write. Again Horizons Insurance, Inc. does the difficult work to find the best policy for the best price.
Denver Renters Insurance
Most apartment complexes insist that renters carry liability insurance. Finding the best rate on your renters insurance can be difficult. Horizons Insurance, Inc will work to make sure you have the right coverage for the best rates.
You face high rates or denial due to bad credit, bounced checks, or previous claims. Horizons can get you the insurance you need.
Belongings Hold Memories. Make Sure They're Safe.
Rental insurance is typically very affordable, and you get outstanding coverage for your investment.
People living in apartments might think they don't have anything of real value. A TV, CD player, computer, a few pieces of furniture, dishes and some clothes may not look as if it's worth much, but when you have to replace it with something new, it could break your budget. Say you've bought a computer on credit and it's destroyed by fire or stolen. You're still responsible for paying the balance to your creditor, even though you no longer have the item.
If there is a fire somewhere in your building, the smoke can destroy all of your furniture, clothing, and bedding. Having to replace all of those things can be disastrous.
As a tenant or renter in someone else's building, it's a wise decision to take out a tenant insurance policy. It protects both your contents and your liability exposure. As a tenant, you're responsible for the harm you might cause to any part of the building you live in, or to others who live or visit there. If you forgot to turn off the water in the bathtub while you're talking to your friend, you could flood out your neighbors. You would be responsible to repair any resulting damages.
As a tenant, your insurance policy coverage can be either All Risk or Named Perils. There's protection against Sewer Backup and Earthquake. And you may want to add extra coverage for specific contents in your home, such as jewelry, furs, cameras, and bicycles. The best way to know if any of these overages are what you should purchase is to discuss your situation with a reliable agent.