Skip to main content
Squires Insurance Solutions Logo

Homeowner's Insurance

Large Home Image that is well kept

What is Homeowners Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need Homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowner’s insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.


Things to consider and questions to ask your agent

Company Photo

Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy to protect the things you've worked hard for. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your specific needs. Our job is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way.  We’ve successfully served hundreds of customers and are determined to treat each individual with respect and compassion. Shopping for insurance can be difficult, but our staff does the work for you and one of our goals is to keep this as effortless as possible for you. Maintain your peace of mind knowing that our insurance professionals have your back.

Working With Us Is Easy

Number 1

Contact

Discuss your goals and coverage needs

Number 2

Quote Review Call

Review your best-fit insurance plan

Number 3

Easy Onboarding

Choose your billing preferences

Service Areas

We happily service Fort Collins, Greeley, Windsor, Loveland, Timnath, Wellington, Evans, Johnstown, Eaton, Berthoud, Severance, Milliken & all communities in Colorado.

Receive an Insurance Review