Home Insurance in Aurora, Colorado

Homeowners in Aurora, Colorado, face a variety of risks and hazards that must be adequately addressed to ensure the safety of their families and investments. These risks include:

• Fire damage
• Windstorm and hail damage
• Theft or break-ins
• Vandalism
• Water damage
• Earthquake damage
• Loss of use coverage
• Equipment breakdowns
• Sewer backups
• Mold damage
• Sudden and accidental damage

Home insurance is essential to protecting your family, property, and investments in Aurora, Co. With the right coverage, you can rest assured that you have the protection you need against a range of risks.

At 3R Insurance Agency, we understand that as an Aurora, Co homeowner, you want to make sure your home is well-protected. That’s why we offer comprehensive home insurance packages tailored to meet the unique needs of our clients.

We carefully analyze each individual risk associated with owning a home in the area and create customized coverage plans that provide the highest level of protection. Additionally, we negotiate with various insurance companies to get competitive rates, so you can get the most for your money.

Contact us today to learn about the home insurance options available in Aurora, Co, and to get started on a policy that is right for you. We look forward to helping you protect your home.

Home insurance coverage can help protect homeowners from these risks and provide financial protection when damages occur. Home insurance in Aurora, Colorado, provides the following coverage:

Dwelling 

Home insurance policies typically cover the dwelling – the physical structure of your home. This can include coverage for repairs or replacements due to damages from fire, hail, windstorms, and theft. It can also include liability protection if someone is injured on your property or their property gets damaged.

Other Structures 

Home insurance policies can also cover other structures on a homeowner’s property, such as a detached garage or shed. This type of coverage helps pay for any repairs or replacements needed if damages occur due to events like fires, storms, and vandalism.

Personal Property 

Homeowners can be provided with coverage that helps protect their belongings against risks such as theft, fire, and weather damage. Personal property coverage can help replace lost or damaged items or repair them if needed.

Family/Personal Liability

Home insurance policies often include liability protection which helps cover legal costs if someone is injured on the homeowner’s property and sues for medical expenses, pain, and suffering, or other damages. 

Liability protection can also help cover any damage that may be done to another person’s property while it is on your property.

Additional Living Expenses 

If there are damages to your home that make it uninhabitable, you can be provided with additional living expenses coverage – this helps pay for housing and other necessary living expenses until repairs are completed. This type of coverage can save homeowners a great deal of money in the event their house becomes unlivable.

Loss of Use

This type of coverage can help pay for additional living expenses if you have to temporarily move out of your home while it is being repaired or rebuilt due to damages. It may also cover other costs related to having to live elsewhere, such as meals and transportation while you are away from your home. Loss of use coverage is an important part of any comprehensive home insurance policy. 

Medical Expense Coverage 

In the event someone is injured on your property and does not have health insurance or their medical expenses exceed their coverage, this type of coverage can help pay for any medical bills that are incurred. 

It can also cover ambulance transport, police reports, and other costs associated with treating an injury. Medical expense coverage helps protect homeowners from any unexpected financial burdens due to an injury occurring on their property.

Scheduled Personal Property

Scheduled personal property coverage helps protect your valuable belongings from theft or damage due to events such as fire, smoke, wind, and hail. 



This type of coverage is typically required for items that are considered high-value, such as jewelry, firearms, antiques, artwork, and collectibles. It can also provide extra protection for items that have a low replacement cost but may have a higher sentimental value.

The average cost of home insurance in Aurora, Colorado, can range from $1139 to $3145 a year, depending on the value of your home and the amount of coverage chosen. However, there are many factors that can affect the cost of your policy. They include:

• The age and condition of your home - The age and condition of your home can significantly affect the cost of your homeowners' insurance policy. Older homes may need more repairs and maintenance, which can increase the cost of coverage. Homes that are in good condition will be less expensive to insure since they pose lower risks for damages or losses.
• Location - The location of your home can also affect the cost of your policy. If you live in an area prone to natural disasters such as floods or earthquakes, you may need additional coverage for these events. Additionally, if you live in an area with higher crime rates, then you may need additional security measures or higher liability limits to ensure your property is adequately protected.
• Your credit score - Your credit score can also play a role in determining the cost of your policy. Insurers may consider it as an indicator of your financial responsibility and will use it to assess risk and set rates accordingly. A higher credit score is usually associated with lower premiums, while a lower score could result in higher premiums.
• Home size - The size of your home is another factor that can affect your insurance rates. Larger homes typically require more coverage and higher limits, which could lead to increased premiums.
• Deductible amount - The amount of your deductible can also affect the cost of your policy. A higher deductible will generally result in lower premiums, while a lower deductible could lead to higher premiums.
• Number and type of valuables - Your personal belongings, such as electronics, furniture, jewelry, or artwork, may require additional coverage to be fully protected. The number and type of valuables you own can affect the cost of your policy.
• Types of coverage - Different types of coverage can also affect the cost of your policy. For example, a policy with liability coverage may cost more than one without it. Additionally, additional riders or endorsements for things such as flood insurance or jewelry coverage could increase your premiums.
• Prior claims history - Your prior claims history can also influence the cost of your policy. Insurers view frequent claims as a sign of increased risk and may charge higher premiums.

Ultimately, the best way to get an accurate estimate for homeowners’ insurance in Aurora, Co is to speak with an insurance agent such as 3R Insurance Agency. They will be able to review your current coverage and provide you with a quote that is tailored to your specific needs.

To lower your Aurora, Co home insurance premiums, there are a few things you can do in order to reduce the cost of your policy. These include:

• Increasing Your Deductible - Raising your deductible is one of the quickest and easiest ways to lower the cost of your policy. A higher deductible will result in lower premiums, however, it is important to make sure that you are able to cover the amount if you ever need to make a claim.
• Bundle Your Policies - Bundling your policies with the same insurer can save you money on both your homeowners and auto insurance. In some cases, insurers will offer even deeper discounts when multiple policies are combined.
• Look for Discounts - Insurers often offer discounts you may not know of. This could include discounts for having a security system, taking a defensive driving class, or even being a non-smoker. Be sure to check with your insurer for available discounts you may be eligible for.
• Improve Your Home - Home improvements, such as installing storm shutters or updating plumbing and wiring, can also help lower your premiums. These improvements can make your home more resistant to damage, so insurers may be willing to offer a reduced rate.
• Shop Around - Comparing quotes from different insurers is the best way to find the most affordable coverage for your needs. Be sure to get quotes from multiple companies and compare them side-by-side in order to find the policy with the lowest premiums.

By following these tips and speaking with an experienced insurance agent, you can get the best Aurora, Co home insurance coverage for your budget.

3R Insurance Agency offers Aurora, Colorado, residents the best home insurance coverage for their budget. Every homeowner is unique, and finding the right policy requires an experienced insurance agent who can provide personalized advice and guidance. 

Our agents are available to help you compare quotes from multiple providers so that you get the most comprehensive coverage at a competitive rate. By considering all of your needs, we can suggest specific strategies to maximize your savings. 

Contact us today for more information or a quote and get the best Aurora, Co, home insurance coverage at an affordable rate. We look forward to hearing from you!