Let\u2019s be honest. Home insurance can be a little\u2026 boring. And it\u2019s not something we think about every day \u2014 until something goes wrong and we wish we\u2019d paid a little more attention. The truth is, most homeowners have coverage for the big stuff (your house, your roof, maybe even your favorite couch), but there are a few sneaky items and situations that often slip through the cracks.<\/p>\n\n\n\n
Here are five things that Colorado homeowners commonly forget to insure \u2014 and how to make sure you\u2019re not caught off guard when life throws a curveball.<\/p>\n\n\n\n
Most home insurance policies cover personal belongings, but high-value items like jewelry, watches, and collectibles often have coverage limits. So, if you\u2019ve got a sparkling engagement ring, grandma\u2019s antique necklace, or a custom piece from a Colorado artisan, you\u2019ll want to ask about adding extra coverage for those high-value items. We recommend insuring them on a separate personal articles policy<\/strong> rather than adding them to your homeowners insurance.<\/p>\n\n\n\n Since the work-from-home world exploded, we\u2019ve seen an uptick in people with expensive tech setups \u2014 dual monitors, ergonomic chairs, high-end laptops. If you’re running a business from your basement or just have a killer setup for Zoom calls, don\u2019t assume all that gear is automatically covered. Business property in the home often needs special attention in your policy.<\/p>\n\n\n\n Detached garages, sheds, and workshops are common in many Colorado homes \u2014 especially in places with more land, like Falcon or Black Forest. But guess what? That gorgeous shed you spent your summer building might not be fully covered unless your policy specifically lists it. Same goes for fences, gazebos, and even tiny greenhouses.<\/p>\n\n\n\n In Colorado, we might not get hurricanes, but heavy rain, flash floods, and even snowmelt can cause some major headaches. Standard home insurance policies typically do not cover flood damage or sewer backups \u2014 and trust us, nobody wants to deal with a basement full of water (or worse).<\/p>\n\n\n\n Groundwater entering your basement is typically excluded from coverage.<\/p>\n\n\n\n That means if water seeps in through the foundation, walls, or floor due to heavy rain, melting snow, or rising groundwater, your homeowners policy likely won\u2019t pay for the damage.<\/p>\n\n\n\n This type of water intrusion is usually considered a maintenance issue, not a sudden and accidental event, which is why it\u2019s not covered under standard policies. Adding flood or sewer backup coverage is usually affordable and totally worth it. <\/p>\n\n\n\n If your friend slips on your icy driveway in the winter or your dog decides to play linebacker when the mail carrier shows up, you could be held liable. Liability coverage is included in most policies, but the default limits might not be enough if things get serious. It\u2019s worth reviewing, especially in Colorado where weather and wildlife keep us on our toes year-round.<\/p>\n\n\n\n Home insurance isn\u2019t just about checking a box; it\u2019s about protecting the life you\u2019ve worked hard to build. At Avalue Insurance, we help Colorado homeowners take the guesswork out of coverage. Whether you\u2019re in Denver, Colorado Springs, or anywhere in between, we\u2019ll help you review your policy, identify potential gaps, and make sure you\u2019re fully protected \u2014 without paying for things you don\u2019t need.<\/p>\n\n\n\n2). Your Home Office Setup<\/strong><\/h2>\n\n\n\n
3). Detached Structures<\/strong><\/h2>\n\n\n\n
4). Sewer Backup and Flooding<\/strong><\/h2>\n\n\n\n
5). Your Liability for What Happens on Your Property<\/strong><\/h2>\n\n\n\n
Don\u2019t Let a Gap in Coverage Catch You Off Guard<\/strong><\/h2>\n\n\n\n