Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Home Insurance in Colorado Springs & Denver, CO
Protect Your Home and Everything In It
At Legacy Insurance , we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected.
Legacy Insurance is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your home and possessions are secure.
Our Home Insurance coverage options include:
Mobile Home Insurance
Scheduled Property Insurance
In-Home Business Insurance
Manufactured Home Insurance
Common Homeowners Insurance Questions:
Why Home Insurance?
Accidents can happen at any time. Having the right insurance can protect your home and everything in it.
While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Legacy Insurance about specific coverage options that are applicable to your individual needs.
Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from Legacy Insurance.
What is home insurance?
Your home represents one of the most important investments you will ever make. That value alone is worth protecting, and homeowners insurance will help you do so.
You never know when a hazardous event or natural disaster might occur at your home. It can cause extreme damage and cost thousands of dollars.
However, as a homeowner, you will want to make the necessary repairs to your property without a huge financial strain. Homeowners insurance will pay these recovery costs on your behalf so you can move on from life’s challenges without it costing yourself an arm and a leg.
What does home insurance cover?
Homeowners insurance policies offer a diversity of benefits, each designed to offer targeted protection for a diversity of unexpected, unavoidable issues. These include:
Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.
Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.
Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.
Plus, because your home is unique, you can further tailor your benefits with more unique options like:
We will always customize your plan by helping you tailor your deductibles and overall coverage limits.
How much home insurance do I have to buy?
Most mortgage lenders require homebuyers to purchase homeowners insurance before they approve loan applications. Generally, they will require you to obtain at least enough dwelling coverage for your home’s replacement cost value.
Regardless of any coverage requirement, you should always carry this benefit as part of your comprehensive personal insurance package.
What does home insurance cost?
Multiple factors could influence the cost of your home insurance, including:
Our agents are committed to helping clients get the customized policies that are perfect for them. That’s why we’ll work one-to-one with you to determine the best ways to get your home the coverage it deserves at prices you can afford.