Home insurance policies protect the most important things in your life. Some subscribers, however, are confused by what exactly is covered by their policies. CO Insurance Specialist want to ensure that all homeowners in the Wheat Ridge, CO area understand their risks. What is covered by a typical homeowner’s insurance policy? What isn’t?

• Your home’s structure is protected by your policy from various threats. This includes repairing or replacing the walls, floors, roof, and other necessary components of the dwelling. By default, most policies cover damage from natural disasters like fire, hurricane, and lightning. Damage from floods, earthquakes, and normal wear-and-tear are generally not included. You may be able to obtain coverage, however, with a customized policy. Your insurance agent can give you more details.
• Personal belongings like clothing, artwork, and electronics are also covered by your primary homeowner’s policy. Keep in mind, these policies have a payout limit. If something happens and you lose everything, your insurance may not give you enough to replace everything. Those with expensive collections should purchase additional coverage to ensure they will be reimbursed for the loss of their property.
• If someone hurts themselves while on your property or has their belongings damaged, your liability coverage will pay medical bills, court fees, and any other costs associated with the case. It does not cover damage to your own property or injury to members of your household. Additional policies can cover these gaps.

Each insurance is different. Agents customize coverages to suit each individual case. Do you have enough homeowner’s insurance for your home in the Wheat Ridge, CO area? Contact the experts at CO Insurance Specialist for a customized analysis of your insurance needs.