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Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

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Home Insurance in Erie, CO

Home Insurance in Erie, CO is a crucial aspect of safeguarding one's most significant investment - their home. It offers financial protection and peace of mind to homeowners in Erie, Colorado, by covering various risks and perils that can threaten their property. Whether it's protection against fire, theft, vandalism, natural disasters, or liability for injuries that occur on your property, Home Insurance plays a vital role in providing security and financial support when you need it most. If you're seeking expert advice and personalized Homeowners Insurance solutions in Erie, CO, look no further than Front Range Insurance Solutions. Contact us today at (720) 389-7651 for tailored recommendations that will ensure your home is well-protected.

At Front Range Insurance Solutions, we understand the unique needs and challenges that homeowners in Erie, CO, face. Our dedicated team is committed to assisting you in finding the right Home Insurance coverage that aligns with your property and personal requirements. By reaching out to us at (720) 389-7651, you'll gain access to our expertise and support, allowing you to make informed decisions about your Homeowners Insurance in Erie, CO. With our help, you can enjoy the comfort of knowing that your home and everything it encompasses are safeguarded against unexpected events, allowing you to focus on the things that matter most to you.

Typical Home Insurance Coverages

Section I — Property Coverages
  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.[14]
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
  • Additional Coverages
    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3).[15] The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.[16] A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.[17]
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. [18]
Section II — Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.[19]

    Contact us to learn more about the right homeowners insurance for you.
(720) 389-7651
215 Cheesman St, Suite M, 
Erie, CO 80516​
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Front Range Insurance Solutions
215 Cheesman St, Suite M, 
Erie, CO 80516
(720) 389-7651
Click Here to Email Us

​Affiliated with DCI

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  • Home
  • About
    • Staff Directory
    • Client Testimonials
    • Insurance Carriers
    • Newsletter Signup
    • Accessibility Statement
    • Blog
  • QUOTES
    • Auto Quotes >
      • Auto Insurance Quote
    • Property Quotes >
      • Home/Property Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
      • IUL, Whole, Term Insurance Quote
    • Other Quotes
  • Living Benefits
  • Recommended Businesses
    • Tina Bunn
    • Nicole Zoellener
  • Contact
    • Schedule an Appointment