Phone: (303) 695-6220
Cell Phone: (303) 961-4781
Fax: (720) 747-5518
Office Hours:
9-5 M-F, other hours by appointment
Cell Phone: (303) 961-4781
Fax: (720) 747-5518
Office Hours:
9-5 M-F, other hours by appointment
Homeowners Insurance Quotes
Your home… More than just shelter, and more than an investment, your home is where you retreat to and create memories with your family. Our QBE Farmers Union Insurance Homeowners policy offers a comprehensive package of property and liability coverages – all at a very affordable price.
If you have Special Form coverage, your home and personal property are covered against the following hazards:
| Fire or Lightening | Damage by Aircraft | Vandalism |
| Falling Objects | Damage by Vehicles | Collapse |
| Weight of Ice and Snow | Accidental Tearing Apart | Explosion |
| Windstorm or Hail | Riot | Freezing |
| Electrical Damage | Theft | Smoke |
| Accidental Discharge | Breakage of Glass | |
Your Homeowners premium is calculated based on the following:
Dwelling Coverage: This is the amount it will cost to replace your physical home (excluding the land) at the current price of materials. We use Marshall, Swift and Boeckh’s software, used by most appraisers, to calculate this value.
Personal Property Coverage: For a small additional price, your personal property can be insured for replacement cost. Otherwise, these items are covered at their depreciated value, otherwise known as Actual Cash Value (A.C.V.). Any item with a value greater than $1500 should be ‘scheduled’. Scheduled items are replaced without a deductible.
Other Structures: Our Homeowners policy provides coverage for other structures on your insured location for up to 10% of your dwelling coverage amount, which can be increased if needed.
Legal Liability: Protection against the unexpected legal expenses like defense costs, personal legal liability and damage to others’ property.
Medical Payment to Others: This is an initial amount of money available for use for items related to an incident at your home, such as: an ambulance or emergency room medical expense.
Options:
- Inflation Guard – Dwelling value increases 3% per year to keep up with assumed inflation so that the replacement price is not under-market value of materials.
- Debris Removal – The collection and transport of debris from a claim to an off-site location. Is this important? The cost of debris removal from a recently destroyed mobile home was $15,000. Is your home larger than a mobile home?
- Watercraft Coverage – Protection for watercraft less than 24’ in length, with a motor less than 25 hp.
- Credit Card Coverage – Covers expenses related to the restoration of a credit card when it is lost or stolen.
- Trees & shrubs - $500 to restore trees and shrubs damaged by a covered loss.
Endorsement Options (extra minor expense):
- Equipment Breakdown – replacement of a mechanical device used to support the home: boiler, furnace, dishwasher, etc.
- Sewer Backup – Additional financial help to restore the flooring and walls when the sewer backs up into your home.
- Watercraft Liability – Payment of damages that your watercraft creates to others.
- Identity Theft – Typically $2,000 to help mitigate or correct the damage created by identity theft.
- Homeowners Plus (offered by QBE Farmers Union Insurance) – This endorsement is a combination of endorsements the most important being the replacement of your home at 125% of the Dwelling Value.
Discounts:
- New or Renovated Home Discount – When your home is less than 10 years old or the roof, heating, plumbing and electricity were recently updated on an older home.
- Hail-resistant roof – For the most part, this is a discount for having 40-year guaranteed hail resistant roof. An additional document is required stating the manufacturer of the shingles, completed by the roofer, to verify this discount.
- Protective Devices – Smoke Alarms/Deadbolt locks/Fire extinguishers will usually get you a small discount. If you have a burglar or fire alarm system which notifies the authorities or monitored by an agency, you will receive as much as 10% off the premium price.
- Package Discount – This is a multi-line discount for insuring an auto and a home with the same company.
To determine the value of your personal property, go to KnowYourStuff.org for a free estimation tool.
To have us provide a quote for any of these services, please call us directly at (303) 695-6220 or you can use the online quote request form and we will get right back with you.
| Focus Insurance Agency 2993 S Peoria St Ste 144 Aurora, Colorado 80014 Serving Denver, Aurora, Centennial, Commerce City, Littleton, Englewood, Sullivan, Denver Phone: (303) 695-6220 Cell: (303) 961-4781 Fax: (720) 747-5518 Email: diane@focusinsuranceonline.com Website – www.FarmersUnionInsurance.com/DianeMcMahan |
