Commerce City Homeowners Insurance

Your Complete Guide to Commerce City, CO Homeowners Insurance

When you're looking for an independent agent

Commerce City Colorado homeowners insurance

Commerce City, CO, is known for oil and mixed-use. This half residential, half industrial town is full of business and sports. With 55,923 residents, you'll be right at home. 

When you own a property in this booming city, protection is important. An independent insurance agent can help find a policy that suits your needs. Connect with a local expert to begin your search for a reliable policy.

How Local Crime Impacts Your Commerce City, CO Home Premium

Were you aware that home insurance premiums are affected by local crime? Commerce City has a higher burglary rate than the state and national averages. Check with an adviser to see how your costs are impacted. In the meantime, take a look at the burglaries per 100,000 households below:

  • National average: 376.00
  • Colorado average: 375.20
  • Commerce City average: 468.00

With more crime in Commerce City, your home policy needs to be right the first time. A local expert can review coverages to make sure they're sufficient. Connect with an independent agent in Commerce City to go over your policy.

How Your Commerce City, CO Home Uses Your Liability Coverage

If your liability limits are too low on your home policy, you could be responsible for a loss. There are several claims where liability coverage can provide protection. It will defend the members of the house against lawsuits for the following:

  • Bodily injury to others
  • Property damage to others

Ask a professional about umbrella insurance. Umbrella insurance is another form of liability coverage and will apply when a more substantial claim arises. Get with a Commerce City independent agent for quotes.

Will Your Commerce City, CO Rental Home Have Enough Coverage?

If you own a short-term or long-term rental, you'll need coverage for all the what-ifs. A standard homeowners policy won't supply the right protection for the risk. Fortunately, an independent agent can help.

Get with an adviser about landlord insurance. This policy will provide protection for third parties and your interests as the owner. Speak to a Commerce City independent agent about your investment.

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Is Your Commerce City, CO Home Covered for a Disaster?

If you want protection against catastrophes and natural disasters, consult an expert. Your homeowners insurance should have coverage for local losses if you have the right policy. Take a peek at the top exposures in Commerce City, CO:

  1. Wildfires and residential fires
  2. Flooding and water damage
  3. Severe storms and lightning damage
  4. Heavy snow
  5. Burglary and other property crimes

Flood insurance is a policy you probably didn't know you needed. Flood damage is excluded from your primary home insurance, so you'll need to add separate coverage. Speak with an independent agent for FEMA-approved quotes. 

How You Can Save Big on Your Commerce City, CO Home Policy

There are many different ways you can cut costs on your home insurance. The best first step is to get a trusted adviser. Let's look at the average homeowner's premium:

  • National average: $1,211
  • Colorado average: $1,495

When you're trying to reduce your rates, there are areas you can improve. It would help if you started with the things you have control over for better results. Below are a few items you can review first:

  • Start with improving your credit score
  • Work on updating your home, specifically the roof, HVAC, and plumbing
  • File fewer claims

To get savings fast, bundle your home and auto insurance with the same carrier. This can save you upwards of 30% or more on coverage. Contact a Commerce City independent agent for more ways to save.

How to Find a Commerce City, CO Independent Insurance Agent

If you're looking for the best home insurance in Commerce City, get an independent insurance agent. In Colorado, $1,745,328,000 for property damage claims was paid out in 2016 alone. An independent agent can make sure you get all the protection you need at a low cost.

Since they work with several carriers, you'll have options on coverage and premium. You can connect with one of the 252 local experts on TrustedChoice. They have a find-an-agent resource to get you started.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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