Parker Homeowners Insurance

Your Complete Guide to Parker, CO Homeowners Insurance

When you need a professional

Parker Colorado Homeowners Insurance

Parker, CO, is known for its Western-Victorian-inspired downtown area. Near Denver, this small city is close to everything. Parker has a charming feel that makes it a great place to live. 

If you own a home in this city of  54,202 residents, you'll want protection. An independent insurance agent can help get a policy to suit your needs. Connect with a local expert today to start your policy search. 

How to Save on Your Parker, CO Home Premium

There are several ways you can save on homeowners insurance. Some items will be more obvious, while you'll need the help of an adviser with others. Let's look at the average homeowner's premium:

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

The best route to reducing your costs is to start with the areas you can control. There are some things you can improve to get a better rate. Below are a few items you can review to get you started:

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

When you want instant savings, discuss bundling your home and auto insurance with the same carrier. This will cut costs by 30% or more. Discuss more savings techniques with a Parker independent agent.

Does Your Parker, CO Home Have Liability Protection?

If a claim arises and you're without the right coverage, you could have to pay out of pocket. Liability insurance is one of the most used limits on your policy. Homeowners liability coverage will defend household members against claims due to the following:

  • Bodily injury to others
  • Property damage to others

If your personal liability limits aren't enough, consider an umbrella policy for added protection. Umbrella insurance applies when a claim gets out of control and underlying limits are exhausted. Get with a Parker independent agent for quotes.

Does Your Parker, CO Home Policy Have Coverage for a Disaster?

Your homeowners insurance should have coverage for a catastrophe. When a claim arises, you could be without proper protection. Review your policy with an independent agent. In the meantime, take a peek at the top exposures in Parker, 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

Did you know that your primary home policy does not have coverage for flood damage? You'll need separate flood insurance to have protection. Speak with a Parker independent agent for FEMA-approved quotes. 

Does Your Airbnb Have the Right Policy in Parker, CO?

If you own a short-term rental property, there are a lot of risks involving both revolving tenants and the property itself. You'll need the right protection from the start. 

A standard homeowners policy won't have the coverage an Airbnb needs. Landlord insurance will provide insurance for all the exposures a rental property brings. Get with a Parker independent agent for more information.

Will Your Parker, CO Home Have Protection for a Burglary?

Does your Parker, CO home have the right coverage in place if a burglary occurs? If you're unsure, get with a trusted adviser to go over your limits. In the meantime, check out the burglaries per 100,000 households below:

  • National average: 376.00
  • Colorado average: 375.20
  • Parker average: 219.50

If you have stolen belongings or injuries that need tending from a break-in, your home policy needs adequate coverage. To ensure your personal property and medical payment limits are accurate, speak with a professional. An independent agent can help you secure an acceptable home policy.

Why You Need a Parker, CO Independent Insurance Agent

When you want the best coverage for an affordable price, an independent insurance agent can help. In Colorado, $1,745,328,000 was paid out for property damage claims in 2016 alone. To get the right policy the first time, consult a professional.

An independent agent works with multiple carriers, giving you options on coverage and premium. Since they do the shopping, you can save time and money. Connect with one of the 252 local experts in Colorado on TrustedChoice to start saving.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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