Fire Insurance Quotes

 

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Colorado Fire Insurance Quotes

Residents of Colorado are accustomed to wild fires each and every summer that plague homes in high fire risk areas. Having home fire insurance in Colorado is a must even if you don't live in the mountains. This type of insurance not only protects against fire but also many other losses such as theft, vandalism, hail and wind. In fact fire insurance is just another name for homeowners insurance in most states.

We provide a service that allows home owners to compare fire insurance quotes in Colorado simply by filling out one form. After you complete some questions about your home the request will be sent to local insurance agents who will provide quotes based on the information you have provided.

Compare Fire Insurance Quotes in CO

Save time by filling out one form and allowing insurance companies to compete for your business. Start by entering your zip code in the field above then complete the simple question form which will allow you to get multiple quotes from top insurance companies.

Get fire insurance quotes from reputable insurers in Colorado within minutes. If you have other insurance needs such as auto or life insurance the agent can potentially save you money by bundling the policies.

Wild Fires and Fire Insurance

Colorado Wild Fire
Waldo Canyon Fire 2012

While the wild fires capture most of the attention of news media the fact is you can also lose your house to electrical fires and small kitchen fires. One in every four homes in Colorado are considered to be in a high fire risk area. People enjoy having a home in the woods and steep terrain but that can make for a devastating combination for fires. Currently there are over 500,000 homes in high fire risk areas in Colorado. It makes sense to be prepared for the possibility of a wild fire or other fire that may impact your house.

Home insurance companies will charge more if you have a house in a high risk zone and many insurers will not accept the risk. This can make it tough for a homeowner to find good insurance for their most valuable possession. The key is to mitigate the fire risk around your house as much as possible to get insured and stay safe.

Home Fire Insurance Could Increase In The Coming Years

Fire Insurance companies in Colorado look at previous years to determine how much to rate a policy for in the future. This allows them to determine if it was profitable or not to operate at the current rate structure in that zip code. When looking at the last few years Colorado did have some major losses due to wild fires.

Large losses are expected to be from the High Park fire, where at least 257 homes are confirmed to have burned near Fort Collins. The Waldo Canyon fire west of Colorado Springs also had heavy losses that could amount to over 300 homes destroyed. As you can see the damage these wild fires create is very high and could increase the premiums of fire insurance in Colorado.

House Fires Can Happen in the big cities like Denver

Just because you don't live in the mountains or a highly wooded area doesn't mean you can't have a fire. In fact many homes are lost each year from fires started by electrical malfunctions, kitchen appliances or fuel in garages. Be prepared by having a fire extinguisher handy and have a plan to get out of the house if a fire starts. If you live in the metro area of Denver, Colorado Springs or Fort Collins it is still a concern to have fire insurance coverage.

Families that stay safe have fire detectors in each main area and a rehearsed plan on what to do in the event of a fire. The last thing you want to happen is being stuck in a burning house without knowing how to get out.

Related Articles

Don't Be A Victim To An Underinsured Home After A Wild Fire

 

High Fire Risk Counties in Colorado

Pitkin Park Summit
Larimer Saguache Teller
Jefferson Elbert Mesa

 


 

Most Damaging Fires in Colorado

June 2002 - Hayman Fire
138,000+ acres, 133 homes

September 2010 - Fourmile Canyon Fire
6000+ acres burned, 168 homes

June 2012 - Waldo Canyon Fire
18,000+ acres, 346 homes

 


Insurance Agents in Colorado Cities

Denver Aurora Loveland
Fort Collins Windsor Greeley
Lakewood Centennial Arvada

 

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