Homeowners Insurance in Aurora, CO
Homeowners insurance may help prevent financial losses due to unexpected events like fire, wind damage or theft. It may also provide coverage if a homeowner is held responsible for injuries or property damage involving others.
What Does Homeowners Insurance Cover? 
Homeowners can customize their home insurance policies to suit their requirements. Generally, standard policies may cover the following:
- Damage to the home’s structure, such as the roof, walls or foundation, including attached features like porches or garages
- Personal items like clothes, furniture, electronics and small appliances
- Temporary housing and meals if a covered event leaves your home uninhabitable
While homeowners insurance covers many risks, it also has exclusions that limit what the policy will pay for. Examples of exclusions are damage caused by floods, earthquakes, neglect, mold and pest infestations. Losses related to intentional acts, government actions or war are typically not covered. Some policies may also exclude certain types of personal property or high-value items unless additional coverage is purchased. Reading your policy carefully can help clarify these limits.
How Much Should I Expect to Pay for Coverage?
Insurers calculate rates based on risk. That assessment includes your personal background and your home’s characteristics. Your premium may increase if your profile indicates a higher likelihood of filing a claim. Factors that commonly influence cost include the following:
- Age and condition of the home
- Type of building materials
- Location
- Credit history
- Past claims
- Deductible amount
- Coverage types and endorsements
Learn More
Contact Infinite Insurance & Services, LLC today for more guidance on home insurance and access to various policy options.