Ben and his team make things simple for their customers to understand when it comes to insurance AND help them save money! They love helping people feel better about their financial future by making...
Fort Collins (CO) - - Phone: (970) 484-3600
As your Fort Collins insurance experts, we can provide you with multiple quotes from a variety of insurance companies to help you find the best coverage at the best price. Contact us at (970) 829-8440...
Fort Collins (CO) - - Phone: (970) 829-8440
Our mission is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way. Shopping for insurance can be difficult, but our team does the...
Fort Collins (CO) - - Phone: (970) 377-0638
Home insurance, in Fort Collins, is a property insurance, which combines a number of personal insurance protections to liability insurance for accidents & covers private homes. This multiple-line insurance means that a single indivisible premium is paid for all risks.
The home insurance policy is a term-contract that remains effective for a fixed period of time. The insured person has to pay premiums to the insurer each term. If the risk of damage or destruction to the home is less, then the insurers generally charge low premium.
At present, the International Organization for Standardization has seven standard home insurance plans:
HO1 – Basic Form Homeowner Policy provides coverage against fire or lightning, windstorm or hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion riot or civil commotion, glass breakage, smoke, volcanic eruption, and personal liability. Exceptions include floods, earthquakes.
HO2 – Broad Form Homeowner Policy provides coverage against all the enlisted causes of damage mentioned in HO1 as well as loss incurred due to smoke, vehicle, water or glass breakage.
HO3 – Special Form Homeowner Policy provides coverage against all risks mentioned in HO1 & HO2 except earthquake & flood.
HO4 – Renter's Insurance provides coverage against all the perils mentioned in HO2 or HO3.
HO5 - Premier Homeowner Policy, HO6 – Condominium Policy & HO8 – Older Houses Policy are the less popular plans.
