top of page
infant-2717347_1280_edited.jpg

Life Insurance

The insurance that nobody wants to talk about, but that everybody needs. A life insurance policy protects your family members and loved ones from a financial burden in the event of an untimely death. It can also help supplement your retirement savings, ask us how!

What we offer

 Life insurance provides financial support for your family or other loved ones — anyone you choose — if you pass away. The si

Life 

Life insurance can offer financial security, debt coverage, estate planning, and more to your loved ones when you pass away. This is typically paid in a lump sum to your designated beneficiary upon your death.

 Permanent life insurance with guaranteed level premiums, guaranteed level death benefit, and guaranteed cash value accumulat

Whole Life

A permanent policy that provides lifelong coverage, so long as premiums are paid. This type of policy also builds cash value over time.

Permanent life insurance with additional flexibility to change with your priorities.

Universal Life

Similar to whole life, universal life provides permanent coverage but allows for flexibility as your needs change throughout your life. Within the given time parameters, you can adjust your premium or your death benefit.

 Often the least expensive life insurance to start, it provides coverage for a specific period of time without increasing cos

Term Life 

A term life policy offers insurance for a specified period of time, hence the name. Given that this policy has an expiration date, it is generally more affordable and the most popular choice.”

Frequently Asked Questions

  • Is homeowners insurance required in Colorado?
    No, homeowners insurance is not required by law in Colorado. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.
  • What does homeowners insurance cover in Colorado?
    Every policy is different, but home insurance policies in Colorado typically come with several standard coverages. Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail. Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed. Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged. Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage. Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.
  • Typical home insurance policies in Colorado cover damage caused by events such as:
    Fire Vandalism and theft Lightning strikes Wind Hail Explosions Falling objects The weight of snow or ice Flooding is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.
  • How much does homeowners insurance generally cost in Colorado?
    The average premium for home insurance coverage in Colorado is $1,667 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). However, insurance costs in most states have changed since then. Also, the amount you pay may be different, depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.
  • Does Colorado home insurance discounts?
    We offer a variety of savings opportunities for eligible home insurance customers in Colorado, including: Welcome Discount Home Buyer Discount Multi-Policy Discount Loyalty Discount Claim Free Discount See more information and additional discounts that may be available in Colorado.
  • How much does renters insurance generally cost in Colorado?
    Renters insurance in Colorado can cost as little as $13 a month (or $154 per year) for around $35,0001 in coverage, about the same as the national average, according to 2021 data (the most recent available) from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Also, your cost may be different, depending on things like how much personal property you want to cover, what deductible you choose and risks specific to your location.
  • Does Colorado require renters insurance?
    No state laws require you to have renters insurance in Colorado. However, landlords can require you to have a renters policy as part of a lease agreement. It may help pay for another person’s medical bills or repairs to their property if you’re found legally responsible for their injuries or property damage. Renters liability coverage may also help cover your legal expenses if you’re sued over an incident that occurs in the place you’re renting. Keep in mind that your landlord’s insurance provides coverage for the building itself, but this likely does not include your personal belongings.
  • What does renters insurance cover in Colorado?
    Typically, renters insurance policies in Colorado can provide coverage against damage to or loss of personal belongings if caused by events such as: Fire Vandalism and theft Lightning strikes Wind Hail Explosions Falling objects The weight of snow or ice Floods and mudslides — common risks in Colorado — usually aren’t covered under a renters insurance policy.
  • Would renters insurance be worth it if I don't own much?
    Even though you’re just getting started, your personal possessions are probably worth more than you realize. Now imagine you have to run out and replace everything at today’s prices. That’s going to be a very expensive shopping trip — unless you have renters insurance to help cover the cost.
  • Does renters insurance cover theft?
    Your renters policy helps cover the contents of your apartment for a number of perils — including theft. If someone walks off with your laptop or sound system, your policy can help cover the cost to go out and buy a new one.
  • How much renters insurance do I need?
    The amount of coverage you should consider getting depends on the combined value of all your personal possessions. Make a written inventory of what you brought into the place. Now think of what it would cost to replace everything with new merchandise at current prices.
bottom of page