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The Facts About Colorado Homeowners Insurance

It's almost a given that homeowners insurance is necessary for people who own a home anywhere in Colorado, but even individuals who live in a rental home, apartment or have a condo should buy home insurance to protect themselves and their belongings. In Pueblo, Colorado Springs and Pueblo West, it's possible to get online quotes and compare the coverage of various policies before the purchasing decision is made. The three main types of home insurance are:

Homeowners Insurance

Homeowners need insurance coverage so that they are protected in the event of a natural disaster, fire, burglary or accident. If the neighbor's child is over in the winter, slips, falls and breaks his arm, the insurance will cover the cost of the medical and legal bills after the deductible is met. Without an adequate amount of insurance coverage, this could be a costly accident.

Rental Insurance

While the owner of the property will have a policy in place, renters should highly consider taking time to compare the quotes for renters insurance from an independent agency. The cost is not much at all, often less than they might spend on dinner out once or twice a month. The landlord's insurance usually only kicks in if it can be proved that the damage happened as a result of the landlord's negligence. This can't always be done, nor is it an easy task, so for a small investment, renters will be sure that their possessions are protected in case the home is damaged by theft, vandalism, fire or other natural disasters. Renters liability insurance can give people peace of mind knowing that they insurance will cover the expenses if someone is hurt on the property.

Condo Insurance

For people who live in condos, a condo insurance policy is necessary, in addition to the main structural coverage that the condominium association has. A policy will cover the cost of refinishing the inside of the unit, and replacing belongings, in the event of a fire, natural disaster or vandalism. Before buying a policy, people should check their association's contract to make sure that they are meeting all of the necessary requirements.

To compare the quotes from several different insurance companies online, contact High Desert Agencies, LLC, an independent agency serving Pueblo, Pueblo West and Colorado Springs. Don't let you home be uninsured, or under-insured, another day!