Denver Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

• Local boosters named the frontier mining camp on the South Platte River “Denver” after Kansas Territorial Governor James Denver in hopes of gaining political favor. Unfortunately, Denver had retired by the time they named the town.
• There were originally three separate towns, with three separate names, where Denver now stands. In 1859, the other names were dropped in return for a barrel of whiskey to be shared by all.
• Fittingly enough, the first permanent structure in Denver was a saloon.
• Despite being warned by Indians not to build there, early settlers didn’t listen. In its first few years, Denver was destroyed twice, once by fire and once by flood.
• Denver is one of the few cities in history that was not built on a road, railroad, lake, navigable river or body of water when it was founded. It just happened to be where the first few flakes of gold were found in 1858.

• The mountainous area of Colorado is six times the size of Switzerland, containing 9,600 miles (15,449 km) of fishing streams, 2,850 lakes, and more than 1,000 peaks two miles (3,218 km) high.
• The road to the top of the 14,260-foot (4,346 km) peak of Mount Evans is the highest paved road in North America and is maintained and operated by Denver City Parks Department.
• In 1893, while on top of nearby Pikes Peak, Katharine Lee Bates was inspired to write the words to “America the Beautiful.”
• Central City, located about 45 minutes west of Denver, is known as the “Richest Square Mile on Earth” due to the half billion dollars of gold that was mined there.
• The Pikes Peak Railway, located about an hour and a half south of Denver in Colorado Springs, is the highest cog railway in the world, traveling 8.9 miles from 6,571 feet to the summit at 14,110 feet.
• The Colorado Trail is a 500-mile-long hiking trail, stretching from Durango to Denver, and crosses eight mountain ranges, seven national forests, six wilderness areas, and five river systems.