Homeowners Insurance
Your home is one of your most valuable investments—and protecting it starts with the right insurance. At RPM Agency, we make homeowners insurance clear, personalized, and built to handle Colorado’s unique risks, from sudden hailstorms to wildfire threats. With us, you get straightforward advice, real coverage options, and the peace of mind that comes from knowing you’re truly protected.
What Homeowners Insurance Can Cover
Property Damage
Covers repairs or rebuilding costs if your home is damaged by fire, hail, windstorms, or other covered disasters. Colorado’s unpredictable weather makes this a vital protection for homeowners.
Personal Belongings
Protects the items inside your home, like furniture, electronics, and clothing, against theft, fire, or natural disasters. We’ll help you assess your valuables to ensure you have the right amount of coverage.
Liability Protection
Covers you if someone is injured on your property or if you accidentally cause damage to someone else’s property. Liability coverage can help pay for medical bills, legal fees, and court awards.
Additional Living Expenses (ALE)
Helps cover the cost of temporary housing and extra living expenses if your home becomes unlivable after a covered event. Whether it’s a few nights or several months, you’ll have support while repairs are underway.
Other Structures Coverage
Extends protection to detached structures on your property, like garages, sheds, and fences. Damage to these structures can be costly without proper coverage in place.
Why Homeowners Insurance Matters in Colorado
Severe Weather Happens Frequently
Hail, snow, and wildfire risks make it essential to have comprehensive dwelling and roof coverage tailored to Colorado homes.
Home Values Are Rising
With the cost of rebuilding increasing each year, your policy should reflect current replacement costs—not just your mortgage.
Liability Risks Come With Ownership
From icy walkways to backyard gatherings, homeowners need protection from the unexpected legal or medical bills that can follow an accident.
Frequently Asked Questions
What types of personal insurance are most important in Colorado?
In Colorado, homeowners, auto, and umbrella insurance are some of the most important policies to carry. Severe weather events like hailstorms, floods, and wildfires make having strong property protection crucial. Auto insurance with comprehensive coverage is also key due to heavy traffic and unpredictable mountain weather. An umbrella policy provides an added layer of financial security for unexpected liability claims.
How much homeowners insurance coverage do I need in Denver?
Homeowners in Denver should secure enough coverage to rebuild their homes at today’s construction costs, not just the original purchase price. Because Colorado is prone to wildfires and hail, we recommend full replacement cost coverage along with endorsements for weather-related risks. It’s also important to have enough additional living expense coverage if you’re temporarily displaced after a loss. Our team helps you assess your home’s specific needs to avoid costly gaps.
Is auto insurance different in Colorado compared to other states?
Yes, driving conditions in Colorado often require more than just the minimum state-required coverage. Enough comprehensive insurance is highly recommended because of risks like hail, deer collisions, and uninsured drivers. Additionally, winter driving conditions on mountain roads can increase the chances of accidents. Having a well-rounded auto policy provides better financial protection year-round.
Do I need renters insurance if my landlord has insurance?
Absolutely. A landlord’s policy typically only covers the structure of the building, not your personal belongings inside. Without renters insurance, you could be left paying out of pocket for damaged furniture, electronics, and valuables after a fire or theft. Renters insurance also provides liability protection if someone is injured in your rental unit.
What is umbrella insurance and do I really need it?
Umbrella insurance offers extra liability coverage that goes beyond your homeowners, auto, or renters policies. It’s designed to protect you against large claims or lawsuits that could otherwise jeopardize your savings, home, or future earnings. Many Colorado residents choose umbrella coverage for added security, especially if they own property, travel frequently, or host guests. It’s a smart, affordable way to extend your overall protection.