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Home Insurance

Protect What Matters Most: Home Insurance in Colorado

Your home is more than just a place—it’s where memories are made and futures are built. At Preferred Choice Insurance, we offer comprehensive home insurance solutions tailored to Colorado homeowners. Whether you’re safeguarding a cozy mountain retreat or a family home in the suburbs, our veteran-owned and locally-operated agency is here to protect what matters most.

Answers to Your Home Insurance Questions

  • What does home insurance cover?

    Home insurance typically covers your dwelling, personal belongings, liability, and additional living expenses in case of damage or disaster.

  • Do I need home insurance if I own my home outright?

     While not legally required, home insurance is highly recommended to protect your investment and financial future.

  • Does home insurance cover natural disasters in Colorado?

    Standard policies cover events like fires and hail but may exclude floods or earthquakes. Additional coverage can be added for these risks.

  • How are home insurance premiums calculated?

     Factors like the home’s value, location, construction materials, and safety features play a role in determining premiums.

  • What’s the difference between actual cash value and replacement cost?

     Actual cash value accounts for depreciation, while replacement cost covers the full cost to repair or replace your home and belongings.

  • Can I bundle home insurance with other policies?

     Yes, bundling home insurance with auto or other policies can save you money and simplify management.

What Our Home Insurance Can Do for You

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Dwelling Coverage

Protects the structure of your home from covered risks like fire, hail, or wind damage, ensuring repairs or rebuilding costs are covered.

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Personal Property Protection

Covers your belongings, from furniture to electronics, in case of theft or damage, even when they’re outside your home.

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Liability Coverage

Offers financial protection if someone is injured on your property or if you accidentally cause damage to another person’s property.

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Additional Living Expenses

Covers the cost of temporary housing, meals, and other living expenses if your home becomes uninhabitable due to a covered loss.

Get Your Free Home Insurance Quote Today

Secure your home and your peace of mind. Contact us now or request a free quote online to get started with the perfect coverage for your needs!

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