Homeowners Insurance Quotes

Protection for Your Colorado Home

You have worked hard for your Colorado home. It keeps you safe and warm from the elements outside and it provides shelter for your family. It is not only a structure or dwelling that protects you from the outside world, it is your castle. It is the place you rest your head at night, it is the place you raise your family, tend your garden and the place where you make your dreams come true.

Make sure your castle is properly protected with a Colorado home insurance policy.

Colorado Home Insurance

Why do I need home insurance on my property? Here are five great reasons:

1. Extreme Colorado temperatures and weather conditions can do a number on your home
2. You have worked very hard for your home and you should make sure it is properly protected against fire and smoke damage, water, theft and burglary
3. Protect yourself with liability coverage if someone gets hurt at your residence
4. Losing your home and all of your possessions would be devastating
5. This coverage will provide you with peace of mind

Five Ways to Save Money (and Energy) at Home:

1. Turn your hot water heater down a few degrees, this will save more money than you think on your energy bill
2. Replace your regular light bulbs with Compact Fluorescent Lights (CFL's) - these bulbs use 50%-80% less energy than regular bulbs and last for 5 years or more
3. Buy in bulk when you can - things like rice, grains, nuts, paper towels and TP can all be purchased in bulk - saving money and saving trips to the store 
4. Find out if your energy company offers free energy audits. They can come into your home and check everything and offer inexpensive suggestions for making your home more energy efficient (caulking windows, insulating hot water heaters, weather stripping, etc.)
5. Turn your thermostat down a bit, especially at night when you are sleeping and during the day when you are away. This will save money and energy.

At the Joel S. Miller Agency we want you to be happy and safe in your Colorado home. If there are other ways we can help keep you safe and happy in your home, please let us know.

Policy Within a Policy
Optional coverage is available after establishing specific needs for collectibles, jewellery and firearms. Do you need special coverage's not normally included in a homeowners policy? Do you have collectibles, jewelry, silver ware, firearms, antiques, electronics, or other valuables that might not normally be covered for their full value? We can help you to cover these items for their full appraised value through a Scheduled Property Rider. Make sure to tell us if any of these apply to your situation.

Specialty Homeowners Coverage
Having trouble finding a carrier to cover your home? We offer coverage through Foremost Insurance that can give you the coverage you need to satisfy your mortgage company. We can even find Homeowners Insurance for Mobile and Modular Homes!

We do our very best to provide you with the best coverage to meet your specific needs. While QBE Farmers Union Insurance is our preferred company and usually has the best rates, we do have several other carriers from which to choose.

Some of the carriers we represent include:

• QBE Farmers Union Insurance Homeowners Insurance
• American Modern Homeowners Insurance
• The Hartford Homeowners Insurance
• Foremost Homeowners Insurance
• Encompass Homeowners Insurance
• Safeco Homeowners Insurance 

To have us provide a quote for any of these services, please call us directly at (970) 593-0619 or you can use the online quote request form and we will get right back with you.