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Home » Home & Renters Insurance

Home & Renters Insurance

As independent agents JJ Insurance works with the best carriers in the world, like Safeco, Allied, American Property, and Progressive, to find you the best policy at the best rates possible. Call us at 303.871.8880 or request your free quote now!

Regardless of the details of your living arrangement, your home is an integral part of your daily life. Your residence provides safety and security for you, your possessions and your family. With that in mind, you must prioritize financially protecting your home with adequate insurance. Even a single incident that may be entirely out of your control could cause devastating damages, and your out-of-pocket losses could be catastrophic if you don’t have adequate coverage.

What Do Homeowners and Renters Insurance Cover?

Both homeowners and renters insurance focus on financially securing your home, often including its contents and other related financial losses. While the details of policies may vary, standard coverage can generally provide financial assistance after the following incidents:

  • Fires
  • Smoke damage
  • Lightning
  • Explosions
  • Theft
  • Vandalism

In the wake of a covered event, your insurance can limit your out-of-pocket expenses by helping to pay for losses involving the following:

  • Contents—This may include your furniture, electronic devices, clothing and other possessions.
  • Liability—This coverage can help pay for third-party bodily injury or property damage losses for which you are responsible.
  • Temporary living costs—Homeowners and renters insurance can generally provide financial assistance—such as hotel rooms or restaurant meals—if a covered incident makes your home temporarily uninhabitable.

How Do Homeowners and Renters Insurance Differ?

Homeowners and renters insurance policies can be similar in many ways. The main difference is that homeowners coverage generally includes the physical structure of your home and any additional buildings on your property (e.g., detached garages and sheds); renters coverage typically does not address the exterior of your home. In most cases, a tenant’s landlord is responsible for insuring the structural elements of a rental property.

What Factors Affect the Cost of Homeowners and Renters Insurance?

Whether you own or rent, the cost of insuring your home may vary significantly. Insurance companies must consider many factors when determining your rates for adequate coverage. This process may include analysis of the following criteria:

  • Location
  • Type of dwelling
  • Liability risks (e.g., attractive nuisances, such as a pool)
  • Claims history
  • Policy details (e.g., deductibles, coverage limits)

If you are a homeowner, the estimated rebuild cost and structural details of your property, such as building materials and roof condition, may also be considered when determining your premiums.

Can I Bundle My Home and Auto Insurance for a Discount?

In many cases, one of the easiest ways to save on your insurance costs is by bundling multiple policies under the same insurer. Common combinations may include homeowners and auto insurance or renters and auto policies. Working with the same insurance company to secure two or more forms of coverage can also be convenient, as you will have fewer points of contact throughout the duration of your policies.

Where Can I Acquire Optimal Coverage?

At JJ Insurance, our dedicated agents have nearly 40 years of experience serving individuals, families and businesses in the Denver area. Whether you rent or own, we can assess and address your coverage needs and help you assemble optimal insurance policies. Contact us today to get started.

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