Homeowners Insurance

Home Insurance

Homeowners insurance covers losses to your home and any possessions inside it. Purchasing home insurance gives you the state of mind that losses caused by storms, fire, theft and other events will be covered. It will also cover any law suits from injuries that might have occurred on your property.

Common Home Policy Coverages

  • Roof Replacement cost
    • Provides coverage on a replacement cost basis for building losses on a repair of roof surfacing, roof vents and roof flashing metals when damage is caused by windstorm or hail perils
  • Personal Property Replacement Coverage
    • Extends full replacement to personal property such as electronics and furniture, so that covered losses are settled for either the cost of an identical item, or of a comparable item, with no deduction for depreciation.
  • Water Back Up
    • coverage provides coverage when water escapes, overflows or discharges from a sump pump or other similar system designed to remove water that is drained from the foundation area.
  • Incidental Farming
    • A growing number of rural homeowners are using their property to generate supplemental income. Also known as hobby or incidental farms, this could include activities such as growing organic produce and selling the surplus at a roadside stand or renting out vacant land for grazing of non-owned animals. Typically, these businesses lack the complexity and business income risk that would require a commercial policy. However, customers who engage in these activities still need additional coverage beyond the standard homeowners policy. The incidental farming endorsement provides that coverage in these situations.
  • Personal Liability
    • personal liability coverage for bodily injury, property damage and defense costs caused by an occurrence where the named insured is legally liable.
  • Equipment breakdown
    • Equipment breakdown coverage is designed to protect possessions that homeowners insurance does not typically cover, such as when an air conditioning unit’s motor shaft suffers a mechanical breakdown during a heat wave. This valuable coverage offers a layer of protection for the home systems and equipment your customers depend on most.

Talk to one of Coulter Insurance Agency's experts to tailor you a custom homeowner insurance plan.

Click here for a free homeowner insurance quote

Contact Us

Coulter Insurance Agency

276 E. Kiowa Ave.
Suite #200
PO Box 2642
Elizabeth, CO 80107
Phone: (303) 646-2180


M-F: 8:30 am - 4:30 pm
SAT: Available by Appointment
SUN: closed