(303) 745-3857

Homes are expensive to insure because they are expensive to replace.  Estimating the cost to replace your home is a major part of finding the price for insurance.

You do not need to insure your land but the replacement of the home is vital.  Every year there are building code changes that can increase the cost to rebuild your home.   If your home is older there are probably many code changes altering how your house must be rebuilt.  Ordinance and Law coverage will increase your policy to cover these changes.

In Denver our semi-arid climate can cause tree roots to seek out sewer pipes for water and clog them causing a backup.  If you have mature trees make sure you are carrying sewer backup coverage.  It is likely not covered otherwise.

Comprehensive personal liability protects our assets from being seized.  Your accumulated net worth can only be protected from suit if you have covered your possible loss from suit.  A reasonable estimate for how much is necessary is the gross amount of your assets.  A million dollars of assets deserves a million dollars of protection.  This coverage will pay for legal cost as well.  So provide an additional 30% for legal retainer.