Personal Home
Home coverage is a type of insurance that safeguards one of your most valuable assets, whether it’s a single-family home, condo, rental dwelling, or mobile home. It will also provide protection for personal liability.
- Homeowner
- Landlord
- Mobile home
- Renter
Homeowner Coverage
Homeowners insurance safeguards your home and possessions against damage or theft. It also provides liability protection if you accidentally damage someone else's property or if a visitor is injured on your property. Since your home is likely your most valuable asset, and most homeowners cannot afford to replace it out of pocket, homeowners insurance is essential.
Homeowners Insurance Covers
Dwellings, other structures, personal property, medical payments, liability, and additional living expenses.
Personal (landlord)
Landlord coverage
Landlord insurance is intended for property owners who rent out their residential property. Unlike homeowners insurance, which typically doesn’t cover non-owner-occupied dwellings, landlord insurance provides protection, property damage, loss of rental income, and liability.
What is covered by landlord insurance?
Landlord insurance typically includes three main types of coverage: property, liability, and loss of income. These coverages are designed to safeguard landlords from financial loss.
Personal (Renters)
Renters coverage
Renters insurance functions similarly to homeowners insurance but is intended for those who rent or lease properties. It can cover apartments, entire homes, condominium units, and even mobile homes. While your landlord’s policy covers the building itself, it does not protect your personal belongings or provide liability coverage.
What does renters insurance cover?
Renters insurance, also known as tenant insurance, consists of three main coverage areas: personal belongings, liability, and additional living expenses. It’s important to note that renters insurance does not cover the structure of the building itself—that responsibility falls to the landlord.
Personal Auto
Personal (auto)
Automobile Coverage
Are you looking for new car insurance or simply want to review your current options? As an independent agency based in Colorado, we can compare multiple insurance providers to find the best match for you. Explore our offerings—together, we can create a customized auto policy tailored to your needs.
- Passenger Auto
- Motorcycle
- All-terrain
- Watercraft
Personal (Passenger auto)
Passenger auto coverage
Are you seeking new car insurance in Western Colorado or looking to review your current options? As an independent agency, we can compare various insurance providers to find the best fit for you. Explore our offerings—together, we can create a tailored plan and build a personalized policy to meet your auto coverage needs.
What coverages you can have
- Collision coverage
- Comprehensive coverage
- Uninsured motorist coverage
- Medical payments coverage
- Bodily injury and property damage liability coverage
- And more...
Personal (Motorcycle)
Motorcycle coverage
Just like with a car, you’ll need insurance to protect yourself, your passengers, and your motorcycle. Motorcycle insurance offers coverage options similar to auto insurance but also includes some specialized coverages unique to motorcycles.
What coverages you can have
- Collision coverage
- Comprehensive coverage
- Uninsured motorist coverage
- Medical payments coverage
- Bodily injury and property damage liability coverage
- And more...
Personal (All-terrain)
All-terrain vehicle coverage
All-terrain vehicles (ATVs) can be dangerous and costly to replace, making ATV insurance essential. It helps cover expenses related to bodily injury, property damage, theft, and even lawsuits.
What coverages you can have
- Collision coverage
- Comprehensive coverage
- Uninsured motorist coverage
- Medical payments coverage
- Bodily injury and property damage liability coverage
- And more...
Personal (Watercraft)
Watercraft coverage
Watercraft insurance protects your boat, yacht, or personal watercraft against physical damage and liability related to operating the vessel. It provides coverages similar to auto insurance, along with specialized coverages unique to watercraft ownership and usage.
What coverages you can have
- Property
- Liability
- Medical payments
- Uninsured watercraft
Personal Umbrella
Umbrella coverage
Homeowners, auto, and watercraft policies are your first line of defense, but when a claim exceeds the limits of your primary policy, an umbrella policy can offer additional protection. Personal umbrella insurance adds an extra layer of liability protection by covering costs that surpass your other liability coverage limits.
Who should get an umbrella policy?
Everyone with liability insurance should consider umbrella coverage, especially given the frequency of lawsuits today. Those who own or rent property, employ household staff, have a trampoline or hot tub, or host large parties face higher liability risks. If you have a teenage driver, a swimming pool, or a dog, umbrella insurance provides an essential safety net.
Personal Event
Personal (Event)
Event coverage
If you’ve ever organized an event, you know that unexpected situations can arise despite careful planning. Event insurance covers short-term private and public events, protecting the event holder from claims related to guest or spectator injuries and venue damage. It may also reimburse you if you need to cancel your event unexpectedly.
What types of events need coverage?
- Weddings
- Retreats
- Festivals
- Fairs
- Parades
- Parties
- Celebrations
- Meetings
- Sporting events
- Car shows
- Concerts
- and more...
When should I purchase event coverage?
It's usually recommended to purchase it as soon as you start making payments towards the event.
Personal Valuables
Valuables coverage
Homeowners' policies protect your home and its contents, but they usually offer limited coverage for valuable possessions like jewelry, fine art, and collectibles. Valuables insurance provides additional protection for your rare and irreplaceable items. These policies often cover specific items that are easily lost, misplaced, or have a higher risk of being stolen.
What items can be covered by valuables insurance?
Jewelry and watches, guns, antiques, electronics and cameras, fine art, wine & spirits, collections such as stamp and coin collections, sound equipment, silverware, china, and crystal, furs, sports equipment and memorabilia, rare books, musical instruments.
What does valuable insurance cost?
The price of valuables insurance depends on various factors, such as your location, the type of items you've listed, and their value. Fortunately, this type of insurance is usually quite affordable.
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