You’ve purchased a new home and want to protect it.  Colorado Insurance Commissioner Marguerite Salazar says, “Don’t make any assumptions.  Take the time now to learn about your homeowner’s insurance.  Don’t wait for disaster to strike.”  That’s good advice that every Wheat Ridge, CO homeowner should follow.  While you may not be legally mandated to carry homeowner’s insurance, many lenders will require you to purchase insurance to protect their interests in the property.  The lender will specify the coverage amounts that they deem appropriate and how they prefer for proof of coverage to be submitted to them. 

Another recommendation is to make a list of the contents of your home.  According to a survey by the National Association of Insurance Commissioners, more than half of American homeowners do not have an inventory of the home’s contents.  Without this inventory, homeowners cannot be sure that they have the best coverage for their home and its contents.

Homeowners insurance is designed to protect the owner from damaging events.  It can also protect the homeowner from liability if someone is hurt while on the property.  It’s important for homeowners to fully review their policy so that they understand what it covers and what it doesn’t.  If there are any questions, it’s important to discuss them with the agent.   If gaps are discovered, additional coverage may be needed.  This is particularly important for items such as jewelry or antiques.  The agent will be able to discuss what is most appropriate for your situation. 

Today is the perfect day to come by and visit with your local CO Insurance Specialist.  To get started, you can visit our website and use our online quoting tools.  Then call a CO Insurance Specialist to get covered.