Homeowners Insurance | Get A Free Home Insurance Quote

Homeowners Insurance Program

At Denvers Insurance & The Ahbe Group, we know that your home is one of your most important investments you could ever make. That’s why we never take short cuts, when we build our home insurance policies. Work with one of our agents, and she/he will guide you through the process to find a policy that is best for your needs. Let us invest time into you, just like you did with your house.

Types Of Policies We Can Write

We can write properties of all types. This could be a small house, to a multi-million dollar one.

  • Dwelling(DP-3) Insurance
  • Home(HO-3 & HO-5) Insurance
  • Condo Insurance(HO-6) (Unit Owners)
  • Renters & Tenants(HO-4) Insurance
  • Seasonal Home(HO-3 & DP-3) Insurance
  • Vacant Home(DP-1) Insurance
  • If you are looking for Landlord Or Investment Property insurance, please click here.

Coverages

We offer comprehensive, “worry Free” insurance coverage.

  • Dwelling Or Structure With (RC)Replacement Cost (some policies don’t qualify for replacement cost)
  • Extended Dwelling Coverage
  • Other Structures
  • Personal Property With (RC)Replacement Cost
  • Medical Payments
  • Homeowner Liability
  • Loss Of Use
  • Sewer Back Up
  • Identity Theft
  • and more!

Homeowners With Previous Claims & Loss History

Helping homeowners who have been non-renewed due to many claims is one of our specialties. If you no longer qualify for a policy with a standard company, we can help you out. This can be anywhere from just a couple of claims, all the way to a full list. We will also counsel on how to avoid non-renewal in the future, and eventually get you back into a standard company.

High Value Home Insurance

We understand that some customers may have high value homes, requiring unique comprehensive coverage. We have multiple markets that offer insurance for high value properties.

Unusual Risk Home Insurance

We know some properties are located in areas that make inherently more risky to insure. We have markets that fulfill needs for hard to place risk. For Example: Mountain houses in wild-fire risk areas with minimal fire protection.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Home Insurance Quote!

We offer up to 10 personal lines companies for home insurance. To get a free home insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

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Personal Articles Floater(PAF), Insuring Individual Valuble Items

A Lot of us when setting up homeowners insurance, forget a very important item on our policies. Personal article floater insurance. A lot of us have very valuable items, that we don’t insure. One of these very obvious items is mostly you or your spouses wedding ring.

In this blog, I am going to cover what a personal article floater insurance policy is, and why you might be cutting yourself by not insuring something important.

 

What is a personal article floater?

Since valuable things such as jewelry are limited on the amount of coverage a home owners policy’s will cover, the industry offers this policy. The industry offers policies for jewelery, guns, coins, stamps, golf clubs camera’s and other items. This all depends on what the insurance company offers. The policy insures the individual item. Both the insured and insurer agree on insuring at a certain amount. An appraisal or some sort of proof of value is required. Sometimes a deductilbe does apply, at usually a very low level.  The most common personal article floater policies are for jewelry, mostly wedding rings.

Is this policy idealistic for me?

This all depends on the client. If you have a valuable wedding ring worth 50 thousand dollars, yes you should insure it. That alone is a small investment and fortune. Sometimes people decide its idealistic to self insure. I know a couple of gun collectors who don’t insure there guns. Th reason is so much cost over time. Sometimes you are better off getting a really good safe, and locking up your valuables in there, or even getting a safety deposit box.