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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Landlord & Investment Property Insurance | Get A Free Quote

Landlord & Investment Property Insurance

As a landlord the last thing you should be worried about is your insurance. If you purchase or have insurance through our agency, you won’t. We offer comprehensive “worry free” landlord and investment property insurance. Work with us today to get a free quote on your home or condo. Our agents are licensed and experienced, and can put together a policy that is best for your property.

What if your property burned to the ground tomorrow, do you have adequate coverage? What If there is a slip and fall on your property, does your policy protect you? These are questions that we help answer at our agency.

Types Of Properties We Insure:

We insure properties of all types. This includes dwellings, duplex, homes, condos, small apartment buildings and more. Please consult an agent for details.

Coverages We Offer:

  • Dwelling & building Coverage
  • Interior Dwelling coverage
  • 120% Dwelling Extended Coverage
  • Business Personal Property(BPP)
  • Replacement Cost on BPP & Dwelling
  • Loss Of Rental Income
  • Loss assessment (If Applicable)
  • Landlord Liability
  • Sewer Back Up
  • and more!

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 Landlord Insurance Quote!

We offer up to 5 personal lines companies for landlord insurance. To get a free 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.

Colorado earthquakes and your Home Insurance

Recently in Colorado, we have been getting a lot more seismic activity. It seems like we have been getting a lot more earthquakes lately. So what does this mean for your homeowners insurance? Lets first take a look at recent incidents.

Latest notable earthquake activity

-Sept 16, 2011, located below the Colorado border.  3.8 magnitude.

-Sept 12th, 2011, location near Craig Colorado. 3.7 magnitude.

-Sept 11th, 2011, location near Kiowa Colorado. 3.9 magnitude.

-Aug 22, 2011, 9 miles outside of Trinidad, 5.3 magnitude.

Other notable older earthquakes

-1967, near Denver, Colorado. 5.3 magnitude.

-1973, northwest corner of Colorado, 5.7 magnitude.

Largest Earthquake in Colorado History

In 1882 the state experienced its largest earthquake, which occurred in now what is Rocky Mountain National Park. It read a 6.5 on the Rictor scale. By far the biggest earthquake in Colorado history.

What does this mean for your Homeowners insurance?

A standard homeowners insurance policy does not cover earthquakes. You must by a separate insurance policy, known as earthquake insurance. This policy would provide coverage for your dwelling and contents, if an earthquake were ever to occur.

Should I buy earthquake insurance with all this seismic activity lately in Colorado?

Event though we have had a lot of activity lately, I don’t think people should be out panicking about this. I believe by looking at the plates, the chances of a big enough earthquake to come along, in a high populated area is very unlikely.  My professional opinion is that buying earthquake insurance at this time is most likely unnecessary.  We have never had an earthquake that has caused a significant amount of property damage or has hurt or killed anyone in our Colorado history. This is something that could change down the road, depending on what happens.

If you are interested in purchasing Earthquake insurance, and feel there is a need for it, please contact us during or normal business hours.