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Homeowner Insurance

from MAC Insurance & Financial Services, Inc

Homeowner Insurance

What Would You Do if the Worst Happened?

Your home in Denver is your reward for hard work and saving. If you’re like most folks in Colorado, it’s probably your largest asset. If your home were seriously damaged by a fire or storm, would you have the money to repair or rebuild it?

Home insurance was created so you don’t have to worry about this kind of financial catastrophe. Other than your small deductible, you’ll never have to pay to cover damage or loss due to events outside your control. Most mortgage lenders today require home insurance.

Whats Covered by Home Insurance?

Home insurance protects the structure of your home, such as if your roof or windows were damaged by a falling tree. You can easily add extra coverage for earthquakes or flooding, depending on where you live.

Your policy also covers the contents of your home’s interior, meaning all your furniture, electronics, appliances, housewares, clothing, and other personal items are protected.

Be sure to let us know if you have valuables like these that might need extra coverage:

  • Fine art
  • Antiques
  • Jewelry
  • Precious metals
  • Collectibles
  • Firearms
  • Furs

You also get liability coverage with home insurance. This protects you if someone has an accident on your property, like a visiting friend or delivery person. In fact, most policies extend liability coverage to all members of your household anywhere in the world you travel, so you’re protected from liability risks even when you’re abroad. For even greater liability protection, consider getting a personal umbrella policy that would pick up where your homeowner liability leaves off — an ideal option for high-net-worth individuals and dog owners, for example.

Most home insurance policies also provide additional living expenses, sometimes known as loss of use coverage. This pays for you to live elsewhere if your home is not habitable when you file a claim, so you can go on with life while repairs or reconstruction take place.

Independent Agents Have More Options for Home Protection

If you call one of those big companies about home insurance, you’ll only have a few options to choose from. But our independent agents have a much larger menu to choose from because we work with all the major carriers, as well as a few you probably aren’t familiar with. We are licensed in 30 states and offer a more tailored approach to your home insurance policy. This gives us more options when it comes to your budget too.

Contact us today and experience the personalized service that you get with independent agents. Many of our clients have multiple policies with us for easy one-stop shopping and simple claim filing. We can help you determine how much coverage your home needs and also set up any extra coverage for you.

To inquire about home insurance, call MAC Insurance & Financial Services, Inc at 303-368-3000 today or get a quote online to start a policy at your convenience.