Black and white outline of a house, with a pitched roof, door, windows, and chimney.
Home Insurance in Northern Colorado

Coverage That Protects Your Biggest Investment

Your home is more than just a building — it’s where life happens. Protecting it against unexpected risks is essential to safeguarding your family’s comfort and financial stability. With the right home insurance in Northern Colorado, you’ll gain peace of mind knowing your house, belongings, and liability are covered.

What Home Insurance Covers

A black check mark on a white background.

Dwelling Coverage

Covers the cost of repairing or rebuilding your home if it’s damaged by a covered event such as fire, storm, or vandalism.

A black check mark on a white background.

Personal Property Coverage

Protects personal belongings inside your home — like furniture, appliances, and electronics — if they are damaged, destroyed, or stolen.

A black check mark on a white background.

Liability Coverage

Provides protection if someone is injured on your property or if you accidentally cause damage to another person’s property.

A black check mark on a white background.

Additional Living Expenses

If your home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary housing, meals, and other living expenses while repairs are made.

A black check mark on a white background.

Medical Payments Coverage

Covers medical costs if a guest is injured on your property, regardless of fault.

A black check mark on a white background.

Optional Add-Ons

Depending on your needs, you can add extra coverage for risks such as floods, earthquakes, or high-value items like jewelry and collectibles.

House icon with shield and checkmark, suggesting home security.

Benefits of Home Insurance

Home insurance provides more than financial protection — it provides peace of mind. Whether it’s repairing damage after a storm, replacing stolen belongings, or covering liability claims, the right policy ensures you won’t face these challenges alone. At Chris Covers Your Assets, we guide you through the options so you understand exactly what your policy covers and why it matters.

Frequently Asked Questions

  • What does home insurance cover in Colorado?

    A standard policy typically includes coverage for your dwelling, personal belongings, liability, and additional living expenses. Optional add-ons are available for unique risks such as floods or earthquakes.

  • Do I need home insurance if I’ve paid off my mortgage?

    While it may not be required once your mortgage is paid, home insurance is still essential to protect your home and assets from financial loss.

  • How can I save money on my home insurance premiums?

    Raising your deductible, bundling policies, and adding safety features such as smoke detectors and security systems can all reduce your premiums.

  • What makes Chris Covers Your Assets different from other agencies?

    We take an education-first approach — ensuring you understand your options before making a decision. With nearly three decades of experience, we provide responsive, personal service tailored to your needs.

At Chris Young Agency, we’ve been helping homeowners protect their investments for over 28 years. From Northern Colorado to clients across Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona, we deliver coverage that keeps families secure.

A sandy path leading to the ocean on a sunny day.