Advantage Insurance offers premium Loveland homeowners insurance policies at the best rates in Northern Colorado.
Whether you’re at home or away, you want to know that your belongings are protected. That’s why everyone needs homeowners insurance. It protects your home and belongings in case of fire, smoke, vandalism, theft, hail or similar events. It also covers your personal liability in case someone is injured while on your property—like when the mailman trips over your kid’s skateboard.
It’s important to remember that you will usually have to purchase additional coverage if you want to insure your home in case of flood or earthquake. Luckily earthquakes aren’t common in Colorado and flooding only happens occasionally. Other things that aren’t covered by most basic policies are damage done by termites, water damage from sewer backups, and sometimes mold removal, depending on the cause of the mold.
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It’s really all about protecting yourself financially if an unexpected event occurs to your home or possessions.
Loveland homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and its contents. 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 that you or members of your family cause to other people. This includes damage caused by household pets. It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Your agent will go over your policy with you to make certain that you know exactly what’s included and what is not.
Basic Protection Covers:
- Your home
- Other buildings or structures on your property
- Your personal belongings – furniture, clothing, appliances, etc
- Additional living expenses
- Your personal legal liability
Special features you may add to your policy for greater protection include:
- Home Replacement Guarantee
- Replacement Cost on Contents
- Abrupt Collapse
No matter whether you live in a house, townhouse or condominium, you need a Loveland homeowners insurance policy that will protect your investment and provide you with the means to fix or replace your dwelling and your possessions.
We offer specialized coverage to help protect and restore your valuable assets in the event of a loss. An important factor in protecting your home or property is making sure your assets are insured to value.
The Advantage Insurance Team in Loveland, CO
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4308 N. Garfield Ave.
Loveland, CO 80538