Everything we write in Colorado.

Your house is likely the largest thing you own, and the coverage on it is usually the least examined. We go through what is actually protected, what is not, and where the gap sits between the two.

Liability limits, deductibles, uninsured motorist coverage. Plain answers on what each one does, and an honest read on whether you are carrying too much or not nearly enough.

The one people put off. A short conversation now about who depends on your income, and what happens to them if it stops, is worth more than a policy you never got around to buying.

You know your operation better than any insurer does. Our job is to translate it into coverage that holds up when something goes sideways, without paying for protection you will never use.

Liability limits on a home or auto policy stop somewhere. An umbrella picks up above them and covers what you have built and what you are still going to earn.

Insurance covers the storm that damages your roof. A home warranty covers the furnace that simply stops working one January morning. Different problems, different products.

Boats, ATVs, RVs, motor homes, personal watercraft, motorcycles. The things that spend most of the year parked and are rarely covered the way owners assume.

A rented-out property is a different risk from a lived-in one, and a homeowners policy is usually the wrong tool for it. Lost rent is the part owners forget until they need it.

A homeowners policy does not cover flood. Not partially, not sometimes. It is a separate policy, and in Colorado the risk is burn scars and snowmelt as much as rivers.

A standard auto policy values a car by depreciation, which is exactly backwards for something you have spent years making worth more.

The building is insured. Everything inside it is your problem. Renters coverage in particular costs less than most people guess and is the easiest gap in this list to close.