Home Insurance

Living in Colorado, your home faces diverse risks from weather events to accidental damage. At PDI CO, we specialize in helping homeowners across the state protect their properties and belongings with dependable home insurance policies. Whether you're securing coverage for financial protection or meeting lender requirements, we'll provide the guidance needed to find the right policy for your home.

What Home Insurance Covers

A standard home insurance policy offers coverage for common risks and unexpected events. Key protections include:

  • Dwelling Coverage: Pays for repairs or reconstruction if your home is damaged by events such as fire, hail, or windstorms.
  • Personal Property Coverage: Covers the cost of replacing belongings like furniture, electronics, and clothing in cases of theft or damage.
  • Liability Coverage: Protects your finances if you are found responsible for injuries or property damage involving others.
  • Loss of Use Coverage: Covers living expenses like hotel stays if your home becomes temporarily uninhabitable due to a covered incident.

Extra Coverage for Unique Needs

Colorado homeowners often seek additional protection beyond standard policies. For example, high-value items like jewelry or collectibles can be covered through additional endorsements. If your home is located in an area susceptible to flooding or earthquakes, specialized policies can be added to address these risks. At PDI CO, we'll work with you to customize coverage that fits your needs.

Why Mortgage Lenders Require Insurance

If your home is financed through a mortgage, lenders require homeowners' insurance. This ensures their financial interest is protected against risks such as fire or other property damage. With dwelling coverage, mortgage lenders gain peace of mind while you benefit from stability and security.

Start Protecting Your Home Today

Home insurance is a key investment for Colorado homeowners. At PDI CO, we make coverage easy to understand and access. Compare quotes online or contact us to explore the right coverage for your property.