Home Insurance

Most homeowners throughout the country need to be prepared for varying weather including tornadoes, thunderstorms, hurricanes, and heavy winter snows. Greeley residents often face many of these events including heavy rain storms and severe winters. Mitchell Insurance Agency works directly with the nation’s top homeowners insurance carriers to offer multiple quotes, ensuring that you receive the coverage you need at a great rate.

As a local agency, Mitchell Insurance Agency understands the varying needs of Greeley homeowners. Each homeowners insurance policy we offer is tailored to the homeowner and their unique home. While every homeowners policy is unique, you will find that most policies follow a similar structure. No matter where you live or what your needs might be, our team of homeowners insurance experts will ensure your policy offers the coverage and protection you need.

Colorado Homeowners Insurance Coverage

  • Dwelling Coverage (home structure).
  • Coverage for additional structures on your property including carports, sheds, and other detached storage facilities.
  • Coverage for damages to personal property within your home. This can include furniture, clothing, appliances, electronics, and more.
  • Liability Coverage
  • Property Theft Coverage
  • Loss of Use Coverage – Coverage for living expenses and lost income if a disaster were to force you out of your home.

All of our homeowners insurance policy quotes include equipment breakdown coverage (dishwasher, water heater, etc.) and sewer & water back-up coverage as well.

Optional Colorado Homeowners Insurance Coverage

  • Coverage for high-value items such as jewelry that are not included in standard coverage.
  • Identity Theft Coverage

Most homeowners insurance policies are available with either Actual Cash Value or Replacement Cost options. In the event items in your home are damaged, destroyed, or stolen, Actual Cash Value policies will pay you the cost of the items minus depreciation. If you choose a Replacement Cost option, you will receive the amount required to replace the item with one of equal value without deducting any amount for depreciation.

Flood protection is generally not included in a standard homeowners insurance policy. It is a valuable investment to supplement your homeowners insurance policy with a flood insurance policy. Flash flooding can occur anywhere without warning even if you are not in a high-risk area. At Mitchell Insurance Agency, we can help you determine if this is a valuable addition to your policy.

Various discounts are available to help Greeley families save money on homeowners insurance including multi-policy discounts, hail-resistant roof discounts, new home discounts, claims-free discounts, home safety discounts, protective device discounts, and more. Applicants with prior insurance or those applying more than 30 days out can also receive discounts. We will work to find all of the discounts you qualify for to help save you the most money on your homeowners insurance policy.

A Colorado homeowners insurance policy from Mitchell Insurance Agency offers peace of mind, knowing that you, your family, and your home are protected. Contact us today to find out more about homeowners insurance coverage in Greeley.

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