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What is Trusted Choice®  ?

Trusted Choice® agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.  (more...)

SIAA Member Agency

SIAA Member Agency Located:

1636 US HWY 50 W, Pueblo, Co 81008

Phone: 719 542 0948 email:

 info@PuebloInsurance.net

Home Insurance in Pueblo

 Protecting Your Pueblo Property

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled promptly by an insurance company that understands this simple fact. You also need an insurance agent in Pueblo who will come to your home, see what you need to protect, and have the knowledge to be effective in representing you. 

As a local Independent agency in Pueblo, we can help you find the insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing. With access to more than 22 Insurance Companies, we can find you the right coverage at the right price.

Insurance for All Kinds of Homes
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Please contact us for more information today! 
 

Home Insurance Info from Division of Insurance

What you need to know about homeowners insurance!
Homeowner’s policies differ by which losses are covered, which insurance coverage you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke; falling objects, vandalism and theft of personal property. A comprehensive home insurance policy is know by several names such as Special Form or All Risk .   A less comprehensive policy covers only specified losses or named perils and is sometimes called Broad Form. Another way of describing the two most common insurance packages is that All Risk covers everything unless the cause of loss is specifically excluded whereas a Broad Form covers loss only from perils specifically listed in the insurance policy.
Types of homeowners’ coverage to consider in Pueblo area
  • Structural – Covers damage to your home or dwelling.
  • Personal Belongings – Covers damage to items in or on your home or dwelling.
  • Liability Protection – Covers your legal responsibility for injuries or damage to other people or property.
  • Additional Living Expenses – Covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.
Structural and Personal Belongings insurance coverage are available on an actual cash value (ACV) basis or at full replacement cost. ACV coverage considers the current market value of an item based on its age and condition. So, if you purchased a television for $400 four years ago, the value today would be significantly less than it was when you purchased it. ACV coverage would depreciate the item’s value to determine the current value. Full replacement cost considers the current cost to replace an item.
 
Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by deferred maintenance on your part or normal wear and tear.
 
Every home is unique - We help you understand the importance of insuring 100%  to value!
The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one.  This is an important insight into why your Dwelling (Coverage A) limit is so important.  Our preferred carriers require your home to be insured 100% to value of replacement cost.  Living and working in Pueblo as you do, we at Pueblo Insurance understand the home insurance needs of our customers. We’ll work with you to estimate the accurate replacement cost for your home.   It is critical that you provide us with accurate, updated information about your home and contents.
 
Once a review of your home and possessions indicates you are properly insured, it’s a good idea to reexamine your coverage’s and limits from time to time, especially whenever you make additions or improvements.
Be Sure You Have Enough Insurance
Here are some steps you can take to reduce the danger of being seriously underinsured:
Call us – If you have questions or concerns about the limits in your policy, ask us to show you how those amounts were calculated. This will also give you an opportunity to make us aware of any overlooked information.
 
Read your policy –  Certain property, such as jewelry, and certain perils, such as earthquake or flood, is better insured separately. Knowing what is covered and for how much will help you insure properly. If there is anything in your policy you don’t understand, contact your agent and ask for an explanation.
 
Review –  At each annual renewal of your policy, you receive a new Policy Declarations page showing limits of coverage and optional coverage’s. Review this information. If you do any significant remodeling or add a family room, extra bedroom or bathroom, etc., tell us about these changes so your coverage limits can be adjusted to cover the improvement.
 
Consider carefully whether your policy provides all the protection you need - Does it provide coverage for extra costs resulting from building code changes? Does it automatically increase coverage limits annually to keep pace with inflation? Does it provide additional funds if the cost of rebuilding your home exceeds the policy limits?
 
Make sure you know:
  • Will your insurance company will stand behind agreed upon repairs after a claim? Some companies are willing to put this guarantee in writing.
  • Does your policy include replacement cost coverage for contents (clothing, furniture, appliances, and other personal property inside your home)? If not, you can add it by endorsement. The cost is small, the protection valuable. Replacement Cost Coverage pays for losses to your possessions at the cost of brand new items. Without this option, a covered loss to your personal possessions would be depreciated by their age and condition, reducing the size of your claim settlement.
  • If you have an art collection, antique furniture, jewelry, or other valuable possessions, talk to your agent about supplemental coverage’s, such as fine arts or scheduled property endorsements, to adequately protect your investment in these items. The cost is modest for the extra protection, and often the deductible is waived.
Consider whether you should have more coverage for personal property (contents) than your policy provides. Personal property coverage is usually 70% of the coverage limit for the structure. Your limit may be lower than 70%. Supplemental protection is available for a small additional premium.
 
Inventory your home. Prepare an inventory of personal property items, update it periodically, and keep it in a safe place outside your home, such as a safe deposit box at your bank. It will save you hours of time trying to list everything damaged or destroyed if you need to make a claim. It will also help ensure you don’t forget some items. We can advise you on ways to simplify the job of preparing a personal property inventory such as videotaping each room with descriptive information on the sound track.
 
Personal Liability
Besides making sure you have enough protection to cover possible damage to your own home and contents, you should also evaluate your exposure to liability risks.
 
These result from damage to the property of another, or injury to a person, not a member of your household, for which you can be responsible. In recent years it’s become common for homeowners to be sued for injuries or damages to others, even when there is no evidence of negligence by the homeowner. The reality today is if you have any appreciable assets, you are exposed to the risk of being sued. Even if you ultimately prevail in court, your legal fees and the months or years of worry and uncertainty can be a terrible burden on you and your family.
 
Personal Umbrella Policy
The Personal Liability coverage provided by your Homeowners Policy usually provides a limit of $100,000 or $300,000.
 
We recommend increasing this protection with a personal umbrella policy. Not only will it increase your personal liability, but also your auto liability. Limits are available from $1 million to $10 million and beyond. The cost of this coverage is usually very reasonable.

 



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