Home Insurance in
Colorado Springs
Protect your home, belongings, and financial security with coverage compared from multiple insurance companies and guidance from a local independent agent.
Independent Agency
Multiple Insurance Companies
Personal Local Service
Insurance Experience Since 2011
COVERAGE FOR THE PLACE YOU CALL HOME
Your home is one of your biggest investments. We help Colorado homeowners understand their options and find coverage that fits their property, belongings, and budget.
DWELLING COVERAGE
Helps pay for repairs or rebuilding of your home after a covered loss, subject to your policy limits and deductible.
OTHER STRUCTURES
Helps protect structures that are separate from your home, such as detached garages, sheds, and fences.
PERSONAL PROPERTY
Helps replace covered belongings such as furniture, electronics, clothing, and appliances after a covered loss.
LOSS OF USE
Helps pay additional living expenses when your home is temporarily uninhabitable after a covered loss.
MEDICAL PAYMENTS
Helps pay eligible medical expenses when a guest is injured on your property, regardless of fault, subject to policy terms.
PERSONAL LIABILITY
Helps protect you financially if you are legally responsible for someone’s injuries or damage to their property.
More Options.
Personal Guidance.
As an independent insurance agency, McCloskey Advisor Group can compare coverage from multiple insurance companies instead of offering products from only one company. We look beyond the price to help you understand the coverage, limits, deductibles, and options included with each quote.
✓ Compare options from multiple insurance companies
✓ Understand coverage limits and deductibles
✓ Review roof coverage, water backup, and replacement cost options
✓ Receive continued assistance when your insurance needs change
PROTECTION FOR COLORADO HOMEOWNERS
WIND & HAIL
Coverage may help repair covered damage caused by hail, wind, and severe Colorado storms.
WILDFIRE
Coverage may help protect your home and belongings from covered fire and smoke damage.
WATER BACKUP
Optional coverage may help with covered water damage caused by backed-up drains or sump systems.
REPLACEMENT COST
Replacement cost coverage may help repair your home or replace covered belongings using materials of a similar kind and quality.
Home Insurance FAQs
Answers to common questions about homeowners insurance in Colorado from McCloskey Advisor Group, your local independent agency in Colorado Springs.
What does home insurance typically cover?
A homeowners policy typically includes coverage for your home, other structures, personal belongings, additional living expenses, personal liability, and medical payments. Coverage is subject to the policy’s limits, deductibles, conditions, and exclusions.
How much dwelling coverage do I need?
Dwelling coverage should generally reflect the estimated cost to rebuild your home—not its market value or purchase price. Rebuilding costs can be affected by your home’s size, construction materials, features, and current labor and material costs.
Does home insurance cover hail and wind damage?
Most homeowners policies provide coverage for damage caused by hail and wind. However, a separate wind-and-hail deductible may apply, especially in Colorado. This deductible may be a fixed amount or a percentage of your dwelling coverage.
How will my insurance company pay for roof damage?
Roof coverage varies by insurance company and policy. A roof may be covered at replacement cost, actual cash value after depreciation, or according to a roof payment schedule. We help you understand how your roof will be covered before you purchase a policy.
Does home insurance cover wildfire damage?
Fire and smoke are generally covered under homeowners insurance. However, homes in higher-risk wildfire areas may have fewer insurance options, additional underwriting requirements, or higher deductibles.
Does home insurance cover water damage?
A policy may cover sudden and accidental water damage from a plumbing system or household appliance. Damage caused by flooding, long-term leaks, maintenance problems, or backed-up drains may be excluded or require additional coverage.
Is flood insurance included with home insurance?
No. Standard homeowners insurance generally does not cover flooding or surface water. A separate flood insurance policy may be needed, even when the property is not located in a high-risk flood zone.
What is water backup coverage?
Water backup coverage is an optional endorsement that may help pay for covered damage caused by a backed-up sewer, drain, or sump system. It is normally not included automatically with a basic homeowners policy.
Can I bundle my home and auto insurance?
Many insurance companies offer discounts when home and auto insurance are placed together. We compare the combined cost and coverage to determine whether bundling provides the best overall value.
Why use an independent agent for home insurance?
McCloskey Advisor Group compares coverage from multiple insurance companies and explains your options in plain language.