SECURITY INSURANCE GROUP

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HOMEOWNERS INSURANCE

Security Insurance Group is an independent insurance company serving the Fort Collins area. We are highly-trained specialists. We know the insurance companies we work with and know the available policies. We put this knowledge to use by precisely matching policy-holders with the right policies. We handle homeowners insurance, car insurance, business insurance and agricultural insurance.

The last thing you want to go through is serious damage or loss to your home, only to find out you are not sufficiently covered. It’s hard to know what exactly is and is not covered so we thought we’d put together a list of things to keep in mind when deciding on coverage amounts.

According to CNN Money, you should have coverage for 100% (at least 90%) of the replacement cost of the actual structure.

The contents of your home are covered between 50 and 75%. To be sure your coverage is sufficient, make a list of everything you own, and its value, and keep it somewhere safe, maybe in an email that is stored in the cloud. This list will prove very helpful if you should ever need to make a claim.

The higher the deductible, the more you’ll save. It seems counterintuitive, but insurance companies assume that if you are willing to pay a higher deductible, you will be less likely to file petty claims.

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Understanding Liability Protection

Beyond protecting your physical structure and personal belongings, a robust homeowners policy also shields you from unexpected legal and medical expenses. Personal liability coverage steps in if someone is injured on your property—whether a visiting guest slips on your icy driveway in Loveland or your dog unexpectedly bites a neighbor. This vital coverage helps pay for bodily injury claims, property damage you or your family members may accidentally cause to others, and even the resulting legal defense fees. We typically recommend securing enough liability coverage to comfortably protect your total net worth.

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The Importance of Annual Policy Reviews

Life in Northern Colorado moves fast, and your insurance needs can change just as quickly. Did you recently remodel your kitchen, add a new deck, or purchase expensive jewelry? Any significant home improvements or major purchases can alter the total replacement cost of your home and belongings. We highly encourage scheduling an annual policy review with our Greeley-based team. A quick check-in ensures your coverage limits keep pace with inflation and your home's current value, guaranteeing you are never caught underinsured.

Let us help you navigate the confusing waters of insurance companies and policies. We are located in Greeley and serve the entire Northern Colorado region, including Fort Collins and Loveland.