Homeowners Insurance in Arvada & Denver Metro, CO
Colorado's weather is beautiful — and brutal. Hail, wildfire, and wind make the right homeowners coverage more important here than almost anywhere.
Colorado homeowners insurance — don't get caught with ACV coverage
Denver metro averages 8–12 significant hail events per year, making Colorado one of the most hail-impacted states in the country. After a major storm, the difference between an actual cash value (ACV) policy and a replacement cost policy can be $8,000–$20,000 out of pocket on your roof alone.
As your independent agent in Arvada, we specifically shop for carriers that offer full replacement cost coverage for roofs and structures — and we explain every line item so you understand what you're buying.
What your homeowners policy covers
Dwelling coverage — repairs or rebuilds your home's structure after a covered loss. Coverage should match your home's full replacement cost, not market value.
Other structures — garages, fences, sheds. Usually 10% of your dwelling coverage. May need to be increased for large outbuildings.
Personal property — your furniture, electronics, clothing, and belongings. Replacement cost vs. ACV matters here too — depreciation can cut payouts dramatically.
Loss of use / ALE — pays your hotel and living expenses if your home becomes uninhabitable after a covered loss. Often 20–30% of dwelling coverage.
Personal liability — covers you if someone is injured on your property or you accidentally damage someone else's property. We recommend $300,000–$500,000 minimum.
Medical payments — pays medical bills for guests injured on your property, regardless of fault. Helps avoid small liability claims.
The Colorado hail coverage guide
Not all policies are equal in hail country. Here's what to look for:
What you want
- • Replacement cost on roof
- • Low hail deductible (<2%)
- • Cosmetic damage coverage
- • Extended replacement cost
- • Ordinance/law coverage
Watch out for
- • ACV roof settlement
- • High wind/hail deductibles (5%+)
- • Cosmetic damage exclusions
- • Roof age schedules
- • Guaranteed replacement cap
Frequently asked questions
Get Your Home Quote
Free comparison from 60+ carriers. We specialize in Colorado hail coverage.
Hail Season Tip
Review your roof coverage before May. If you have ACV coverage, we can often switch you to replacement cost — sometimes with the same carrier.
Is your home properly covered for Colorado weather?
Find out if you have replacement cost or ACV coverage — and whether you're paying too much.