⭐⭐⭐⭐⭐ Cindy was super helpful and got us the best possible prices for our car insurance. She’s very personable and we had a great experience! - Vinny Sanchez
Homeowners Insurance
Whether your home is brick, stone, or wood frame, Horizons Insurance Inc. can help you find homeowners insurance in Colorado.
Own a condo or townhome? Lost coverage because of a claim or credit issue? We can help you review insurance options that fit your needs.
Protect Your Home and Everything In It
Homeowners insurance can help protect your house, belongings, and personal property from covered losses such as fire, theft, vandalism, and certain types of damage.
Coverage may also help protect other structures on your property, such as a detached garage.
If your home is damaged and you need to live elsewhere temporarily, your policy may help pay for expenses like hotel stays and food.
Homeowners insurance may also include liability coverage if someone is injured on your property or if you accidentally damage someone else’s property.
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?
Actual Cash Value vs. Replacement Cost
Personal Property Coverage
Personal property coverage can help protect belongings inside your home from covered losses. Some policies cover a wide range of risks unless specifically excluded, while others cover only named perils listed in the policy.
Named perils may include fire, theft, and water damage. Review your policy carefully so you understand what is covered.
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 coverage may apply to structures on your property that are not connected to your main home, such as a detached garage, shed, or fence.
Policies usually include a set coverage limit, but additional coverage may be available.
Additional living expenses
If you must temporarily leave your home because of a covered loss, this coverage may help pay reasonable extra costs, such as hotel stays, meals, and other necessary expenses.
Personal Liability Coverage
Personal liability coverage can help protect you if you are found responsible for accidentally injuring someone or damaging their property.
Examples may include someone slipping on your property or a family member accidentally damaging another person’s belongings.
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. The right homeowners insurance can help protect your home, belongings, and finances from covered damage, theft, liability claims, and other risks.
Not every loss is covered by a standard policy. Talk with Horizons Insurance Inc. about coverage options that fit your home and situation.
Horizons Insurance Inc. provides home insurance options for residents throughout the Denver Metro area.
Protect Yourself, Your Home, and Your Finances
Homeowners Liability
Homeowners liability insurance can help protect your finances if someone claims they were injured on your property or if you are responsible for damaging someone else’s property.
This coverage may help with:
- Property damage claims
- Injury claims
- Legal defense costs
- Medical expenses for injuries to others
Talk with Horizons Insurance Inc. to review liability coverage options for your home.
Specialized Security for Your Home and Property
Denver Mobile Home Insurance
Horizons Insurance Inc. helps Colorado residents find mobile home and manufactured home insurance.
Mobile home insurance may help protect your home, belongings, and liability exposure from covered losses such as fire, severe weather, theft, and other risks.
Coverage may include:
- Personal Property Protection
- Family Liability Protection
- Guest Medical Protection
- Home & Structure Protection
- Additional Living Expenses
- Additional Mobile Home Benefits
Talk with Horizons Insurance Inc. to learn more about mobile home insurance options.
Vacant Property Insurance
Vacant property insurance can be difficult to find, but Horizons Insurance Inc. may be able to help you review options for vacant homes and properties in Colorado.
Denver Renters Insurance
Renters insurance can help protect your belongings from covered losses such as fire, smoke, theft, and certain types of water damage.
Even if your belongings do not seem expensive, replacing furniture, clothing, electronics, dishes, and personal items can add up quickly.
Renters insurance may also help with liability exposure. If you accidentally damage the building or cause harm to others, coverage may help protect you from out-of-pocket costs.
Protect Your Belongings and Liability
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.
Our Location
Thornton
1596 E 101st Ave, Thornton, CO 80229, USA
horizonsins@yahoo.com
(303) 412-5842
Monday - Friday
8:00 AM - 7:00 PM
Saturday
9:00 AM - 4:00 PM
Sunday
12:00 PM - 2:00 PM
After hours by appointment
Accepted Payment Methods: Check, Credit
Thornton
Northglenn
Westminster
Brighton
Commerce City
Broomfield
Denver