Home Insurance

Your home is one of your most valuable assets. It’s where you and your family live and create lasting memories. It’s where you keep your valued possessions. It’s where you feel the most safe and secure. But sometimes the unthinkable happens. A fire destroys your home and all your possessions. A natural disaster damages your roof. A thief breaks in a steals the things you’ve worked hardest to purchase.

The world is unpredictable. You never know exactly what’s around the next corner. That’s why you need home insurance.

Insurance for all kinds of homes

Whether you own a home, a condominium, or if you’re a renter, you’ll need an affordable home insurance policy to provide you and your family with peace of mind, knowing that in the event of a disaster you’ll have the money to repair and replace your home and your belongings. A home insurance policy can also protect you if someone is injured on your property and wins a legal judgment against you.

Homeowners insurance coverage

Homeowners insurance policies differ depending on the coverages you choose and the kind of home you own. You decide which policy is best for you. Also, it’s best to remember your policy does not cover damages caused by poor or deferred maintenance on your part.

Types of homeowners coverage

Structural—covers damages to your home or dwelling.
Personal Belongings—covers damages in your home or on your property.
Liability Protection—covers your legal responsibilities for injuries or damage to other people or property.
Additional Living Expenses—covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.

Colorado—how much home insurance is right for you?

Because Affordable American Insurance is based in Colorado, we understand your unique home insurance needs. If you provide us with accurate, up-to-date information about your home and possessions, we can work with you to estimate the replacement cost of your home and adjust your policy limits as needed.

Protect the things that matter to you

You can help protect the things that matter to you today by making a detailed inventory of you home and personal belongings. And if possible, take photos or video of your home and belongings in addition to making a list. Two inventory methods can help expedite the claim resolution process. Remember to keep the list and photos somewhere other then your home so they’re not damaged along with your home.

Every home is unique—let AAI help you find a home insurance policy that works for you. Contact us today!