Protect your most significant investment with personalized homeowners insurance solutions tailored for middle-class families in Arvada and the Denver Metro area. Get peace of mind today with a free quote!
Owning a home is one of life’s greatest achievements, but it also comes with responsibilities. As your local homeowners insurance experts in Arvada and the Denver Metro area, we understand that your home is more than just a building—it’s where your family grows and creates memories. That’s why we’re committed to helping you protect your home with a customized homeowners insurance policy that covers what matters most.
At the Holste Agency, we understand that no two homes or families are alike. That’s why we work with a variety of insurance carriers to tailor coverage to your specific needs. Whether you own a single-family home, a townhouse, or a condo in the Arvada area, we’ll help you find the perfect policy that fits your home and your budget. Plus, as a local agency, we’re always here when you need us most.
A standard homeowners insurance policy covers a range of perils, helping you protect your home and family from the unexpected. Here’s what’s included:
Note: Every policy has exclusions. It’s important to speak with an agent to understand these exclusions and how they may impact your specific coverage.
Protecting your home doesn’t have to break the bank. Here are some tips to help you save on your homeowners insurance premiums:
Some property and personal information, along with a brief claims history, will help determine your coverage needs, deductible and policy cost.
What does a standard homeowners insurance policy cover?
A standard policy typically covers damage to your home from events like fire, hail, or windstorms. It also covers your personal belongings, liability if someone is injured on your property, and additional living expenses if you need to temporarily move out during repairs.
Is flood insurance included in my homeowners policy?
No, flood insurance is not part of a standard homeowners policy. If you live in a flood-prone area, we can help you obtain a separate flood insurance policy through the National Flood Insurance Program (NFIP).
What is personal liability coverage, and why is it important?
Personal liability coverage protects you if someone is injured on your property or if you accidentally damage someone else’s property. It helps cover legal fees and medical expenses, ensuring you’re not left financially vulnerable.
Can I get a discount if I install security features in my home?
Yes! Installing smoke detectors, burglar alarms, or security cameras can often lead to discounts on your premium.
How does the value of my home affect my insurance premium?
The value of your home directly impacts your premium. Homes with higher replacement costs or homes located in high-risk areas for natural disasters may have higher premiums. Regularly reviewing your policy ensures you’re not over- or under-insured.
What factors influence my homeowners insurance premium?
Several factors impact your premium, including:
The Arvada and Denver Metro area offers a unique lifestyle, with a mix of urban convenience and scenic mountain views. However, this also comes with specific risks for homeowners:
We understand that your home is more than just a building—it’s the center of your family’s life. We’re here to help you protect that investment with personalized service and affordable coverage options that fit your family’s needs. Our local team is proud to serve the Arvada community, and we’re just a call away when you need assistance.
We understand that your home is more than just a building—it’s the center of your family’s life. We’re here to help you protect that investment with personalized service and affordable coverage options that fit your family’s needs. Our local team is proud to serve the Arvada community, and we’re just a call away when you need assistance.
Don’t wait until it’s too late to protect your home. Contact us today for a free, no-obligation homeowners insurance quote and see how we can help you save on protecting your biggest investment.