PERSONAL INSURANCE
Homeowners Insurance
Your home is more than a building. Legacy helps Colorado homeowners find coverage designed to protect their property, belongings, and financial security when the unexpected happens.
UNDERSTANDING YOUR COVERAGE
Protection for the Place You Call Home
Homeowners insurance combines several types of coverage that may help repair or replace damaged property, provide temporary living expenses, and protect you from certain liability claims.
What Homeowners Insurance May Cover
Dwelling Coverage - Repairs or rebuilding costs when the structure of your home is damaged by a covered event.
Other Structures - Detached garages, sheds, fences, and certain other structures on your property.
Personal Property - Furniture, clothing, electronics, and other belongings damaged or stolen following a covered loss.
Loss of Use - Additional living expenses when a covered loss leaves your home temporarily uninhabitable.
Personal Liability - Certain claims involving injuries or property damage for which you or a covered household member is legally responsible.
Medical Payments - Limited medical expenses when a guest is injured on your property, regardless of fault.
COVERAGE BUILT AROUND YOUR HOME
Every Home Has a Different Story
The age, construction, location, features, and occupancy of your home can all affect the coverage you need. Your policy should also evolve as you renovate, acquire valuable property, or make other significant changes.
Important coverage considerations include:
The estimated cost to rebuild your home
Roof age, condition, and materials
Renovations and property improvements
Detached garages, sheds, and other structures
Jewelry, art, collectibles, and other valuable belongings
Pools, trampolines, and recreational features
Home-based business activities
Short-term or long-term rental use
Wildfire, hail, wind, and other regional exposures
Mortgage lenders generally require homeowners insurance, but lender requirements may not reflect the full cost of rebuilding or protecting everything you own.
KNOWING THE LIMITS
Some Risks Require Additional Protection
Homeowners insurance provides broad protection, but standard policies do not cover every type of damage or every use of your property.
Flooding - Damage caused by rising surface water generally requires a separate flood insurance policy.
Sewer or Drain Backup - Water or sewage backing up through drains may require an added endorsement.
Earth Movement - Earthquake, land movement, settling, and similar events are commonly excluded or limited.
Wear and Maintenance - Gradual deterioration, neglect, pests, and routine maintenance are not typically covered losses.
High-Value Property - Jewelry, art, firearms, collectibles, and certain other belongings may have limited coverage without scheduling.
Business or Rental Use - Home businesses, short-term rentals, and other nonstandard occupancy may require specialized coverage.
GUIDANCE FROM LEGACY
Coverage That Feels Like Home
Your home, belongings, lifestyle, and financial priorities all shape the protection you need. Tell us a little about your property, and a member of Legacy will contact you to discuss your homeowners insurance options.
Coverage descriptions are provided for general informational purposes only. Actual coverage, limits, conditions, and exclusions vary by policy and insurer. The terms of the issued policy control in the event of a claim. Coverage cannot be bound, changed, or canceled through this website or by submitting an online form.