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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Understanding An Indirect Loss On An Insurance Policy

When a loss occurs, and a claim is filed, the is more underneath the problem than first understood. That loss could be a pipe breaking in your house, a fire in the kitchen or any other type of occurrence. During this time all that is on the policyholders mind, is the loss at hand. But there is another loss creeping up on them, most of the time realizing it at the last second.  This is known as an indirect loss.

What is an indirect loss?

An indirect loss is a loss that occurs because of another loss.  It is an underlying loss that takes place because of a larger loss.   On a homeowners, loss of use of a home would be an indirect loss.    An example of this is, Johnny’s house catches on fire, because of the smoke, Johnny cannot stay in the house.  Johnny has to rent a hotel room because of the smoke in his home.  This is an indirect loss.

An example on an auto insurance policy is when Judy crashes her car and has to have it repaired.  She rents an auto to use while her car is being repaired because she doesn’t have a car to drive back and forth to work.   The expense of the rental car is an indirect loss.

An example of an indirect loss for a business is lack of business income.  Because of a loss, the business can no longer gain income and therefore profits are hurt.

In conclusion, an indirect loss comes from a bigger loss.