CO Insurance Specialist provides quality insurance services to the community of Wheat Ridge, CO. We want all of our clients to be covered in case anything happens to their person or property and we want to provide clear answers to any questions you may have. Here are the most common questions we receive about home insurance in the area. 

Home Insurance In Colorado Frequently Asked Questions

• Is home insurance a legal requirement in Colorado? Legally, no the state does not require homeowner’s insurance. However, you must carry a policy if you have a mortgage and it is always a good idea to have protection for your family home because it is the greatest asset that most people have. 
• Should I add flood coverage? If you live in a flood zone flood coverage may be a requirement by your mortgage company. If you do not you may still want to add some flood insurance because even high and dry areas are not immune to flood damage in extreme situations. 
• What if I rent my home out for the summer months? You may want to add rental property insurance and additional coverage for items inside to keep you protected from the unknown and to protect your renters. 
• If my grown child moves back in does that change anything in terms of home insurance?  Legally, no. But there are certain increased risks that you may want to consider before you leave your policy as is. 

CO Insurance Specialist is your Wheat Ridge, CO insurance for all of your insurance needs from home, life, automobile, toy, and more. Contact us today to discuss your home insurance needs or for a quote for a new policy.