Insurance & Money Smarts Blog

Understanding What Homeowners Insurance Covers

Recent research by CoreLogic found that nearly two thirds of American homes are underinsured by an average of 20 percent. If a wildfire, kitchen fire, or burst pipe struck tomorrow, would your policy make you whole or leave you short?

Common Exclusions in Homeowners Insurance Policies

Most people buy homeowners insurance with one goal in mind: peace of mind. Yet a nationwide survey by the Insurance Information Institute found that 4 in 10 homeowners are unaware of the exclusions hiding in their policy.

Homeowners Insurance Claims: Step-by-Step Process

A broken pipe at 2 a.m. is stressful enough, and not knowing what happens after you call your insurer can turn that stress into panic. I have walked hundreds of Colorado families through the home insurance claims process. The good news: understand each step and you regain control and shorten recovery time.

How to Get the Right Insurance for Your Manufactured Home

Buying a manufactured home is one of the most budget-friendly routes to ownership, yet only 62% of owners say they fully understand their insurance. If you're in the other 38%, you're not alone—after two decades advising clients, the learning curve is real but manageable.

How Is Manufactured Home Insurance Different From Standard Home Insurance?

Colorado’s Front Range has more than 100,000 manufactured homes, yet many owners still carry a standard homeowners policy that was never designed for factory-built construction. That disconnect can cost thousands after a windstorm, hail event, or liability claim.

What Does Manufactured Homeowners Insurance Cover?

When a summer storm rolls over the Front Range, manufactured homeowners ask a simple yet urgent question: what does manufactured home insurance cover? In practical terms, the policy safeguards four pillars of your finances — structure, contents, liability, and temporary living costs if the home becomes uninhabitable.

Cost Factors for Manufactured Home Insurance Explained

How much does manufactured home insurance cost? It's the first question most owners ask when they call our Denver office — and for good reason: annual premiums can swing from a few hundred dollars to well over a thousand, even for similar homes.

Common Claims and Risks in Manufactured Homeownership

A manufactured home offers a practical path to homeownership, but it also carries a specific set of risks that differ from those of site-built houses. As an advisor who reviews hundreds of manufactured-home insurance claims each year, I've seen how a single windstorm or liability mishap can derail a family's financial progress.

Homeowners Insurance for Manufactured Homes: Complete Guide

Manufactured homes can deliver affordable comfort and the pride of ownership, but they face distinct risks many traditional policies overlook. With nearly 22 million Americans living in manufactured housing, knowing how to insure these homes is essential for protecting your investment.

Homeowners Insurance: Essential Guide for Home Protection

Last year U.S. insurers paid more than $92 billion in disaster-related losses, and Colorado ranked among the top five states for hail claims. If you own property along the Front Range—or anywhere—one storm, fire, or lawsuit can unravel years of effort. Homeowners insurance helps make major losses manageable.