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Colorado Insurance Blog

Unexpected Things Home Insurance Covers

You probably know your homeowner’s policy covers your home and its contents. However, there are other things that you may not be aware are covered. At AFI Insurance in Denver, CO, we offer homeowner’s policies to meet your needs. 

1. Other Structures Coverage

Other structures coverage provides protection for structures on your property other than your home. If you have a shed, barn, or other type of building, this is covered in your homeowner’s policy. If it’s damaged or destroyed, your policy will cover the repair or replacement costs. 

2. Animal Bites and Injuries

If your pet bites someone on your property, this is covered under your personal liability coverage. It’s important to note that your policy may exclude some dog breeds, so check your policy. This part of your policy also covers other injuries, like slips and falls. 

If someone who doesn’t live with you gets injured, your policy will cover their medical expenses. 

3. Liability Lawsuits 

Your liability protection also covers lawsuits. If someone is injured at your home and sues you for damages, your homeowner’s policy will cover the settlement costs. 

If their personal property is damaged, this is also covered. 

4. Hotel Expenses

If your home is damaged and you need to live somewhere else temporarily, your policy will cover your living expenses until you can get back into your home. This typically includes hotel expenses or rent, as well as food costs. 

5. Meteorites 

Your homeowner’s policy should cover falling objects, including meteorites. While it’s unlikely that a space rock will damage your home, you have peace of mind that you are protected if it does. 

Homeowner’s Insurance with AFI Insurance

If you need homeowner’s insurance in Denver, CO, contact us at AFI Insurance. Our knowledgeable agents are here to help you choose the best policy for your needs. 

Different Types of Auto Insurance Coverage: What Do You Need?

You may be familiar with auto insurance and how it works. But did you know that there are different types of auto insurance? If you are searching for auto coverage, it is vital to know all the types to decide which one you need. Here is a brief review of several basic types: 

  • Liability insurance. If you cause a car accident, this coverage will pay for the other driver’s damages. It will cover everything, including injuries and even death. 
  • Collision coverage. It pays for the damage to your car if you are involved in a road accident with another vehicle. 
  • Comprehensive insurance. Usually, this coverage pays for damages to your car involving different situations besides road accidents. These situations may include severe weather events, vandalism, or accidents with animals on the road. 
  • Uninsured motorist coverage. Its purpose is to protect you and your vehicle against situations involving uninsured drivers. It pairs with underinsured motorist coverage. 
  • Underinsured motorist coverage. It may not be enough if you decide to carry the minimum liability insurance only. In most cases, liability insurance does not cover everything. That is where underinsured insurance comes in. It protects you if you are involved in an accident caused by a driver with minimum liability coverage. 

There are some other types of auto insurance that you may be interested in. You can always contact an insurance agent and ask them to tell you about all their insurance types. 

AFI Insurance in Denver, CO – We Will Help You Find the Ideal Coverage You Need

Are you a Denver, CO resident? Or do you live in any surrounding town in Colorado? Are you seeking a new auto insurance policy to protect your vehicle and yourself? At AFI Insurance, we know how to assist you. If you reach out to us, we will answer all of your questions and help you find the perfect policy. Please give us a call to learn more. 



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