Englewood Homeowners Insurance

Your Complete Guide to Englewood, CO, Homeowners Insurance

How to get connected with a local adviser

Englewood Colorado Homeowners Insurance

Englewood, CO, is active in business, entertainment, and logistics. It has over 34,407 residents, giving this small town a big city feel. With its proximity to Denver, you'll have everything you need.

When you own a home in this mountainous place, you'll want adequate protection. Fortunately, an independent insurance agent can help with coverage and low rates. Contact a local adviser today to begin your policy search.

Are You Protected from a Burglary in Englewood, CO?

Your Englewood home needs to have adequate coverage for stolen personal property and medical expenses. An independent agent can help make sure your limits are sufficient. In the meantime, check out the burglaries per 100,000 households below:

  • National average: 376.0
  • Colorado average: 375.2
  • Englewood average: 493.9

When your belongings are stolen, you'll want full replacement of them. A properly written home insurance policy will do that. If your coverage is pieced together through a 1-800 number or online carrier, you could be missing the protection you need. Have an Englewood independent agent review your home policy for free.

Does Your Englewood, CO, Rental Property Have the Right Policy?

When you own a rental property in Englewood, you'll want the right coverage. Unfortunately, a standard homeowners policy won't have the protection you need. Instead, discuss landlord insurance with a local agent.

A landlord policy will have coverage for your interests as the owner and third-party exposures. When you're unsure how to cover your short- or long-term rental property, get a professional. An Englewood independent agent can provide quotes. 

Will Your Englewood, CO, Home Have Coverage for a Catastrophe?

If you're a victim of a catastrophe or natural disaster, you could be out of a place to live for a period of time. In order to get your home replaced or repaired to its original state, you'll need the right coverage. An independent agent can help review your policy for gaps. Take a peek at the top exposures in Englewood, 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

One item you may not have coverage for and not even know it is flood damage. When your home floods, you won't have coverage unless you have a separate flood insurance policy. Speak with an Englewood independent agent for details. 

Ways to Save on Your Englewood, CO, Home Policy

There are carrier discounts and items you can improve to get lower insurance rates. The best way to get started is with an independent agent. Let's look at the average homeowners premium:

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

If you're trying to get the best pricing, there are areas you have control over. Personal data is rated by the carriers when setting your cost. Take a look at a few items you can begin with below:

  • Improving your credit score
  • Filing fewer insurance claims
  • Updating your roof, electrical, plumbing, or heating

When you bundle your home and auto insurance with the same company, you'll get lower premiums. Carriers give a 30% or more discount for putting all your policies with them. Speak with an Englewood independent agent for more ways to save.

Liability Coverage and Your Englewood, CO Home Insurance

When you have inadequate limits of liability, you could be on your own if facing a significant lawsuit. Liability coverage will protect for a variety of losses. It will pay for household members that get sued due to the following:

  • Bodily injury to others
  • Property damage to others

If your home's liability limits aren't enough, an umbrella policy can help. Umbrella insurance will pay for a more substantial loss when your underlying coverage has been exhausted. Contact an Englewood independent agent for quotes. 

How to Connect with an Englewood, CO, Independent Insurance Agent

Colorado paid out $21,745,328,000 for property damage claims in 2016. If you're not willing to pay out of pocket for a portion of that, you should get the right coverage. An independent insurance agent can help you with policy and premiums.

Since they have access to several carriers, you'll get the best options in town. An adviser works on your behalf at no cost to you, saving you time. Get connected with one of the local independent agents on TrustedChoice.com in minutes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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