A house is in a windy storm with smoke rising from its chimney.
Windstorm Insurance in Northern Colorado

Coverage for Life’s Storms

High winds, hail, and severe storms can cause costly damage to your home and belongings. While standard homeowners insurance may not fully protect against wind-related damage, a dedicated windstorm insurance policy in Northern Colorado ensures you’re financially prepared when severe weather strikes.

What Windstorm Insurance Covers

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Dwelling Coverage

Pays to repair or rebuild your home if it’s damaged by strong winds, hail, or other wind-related events.

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Personal Property Coverage

Covers personal belongings such as furniture, appliances, clothing, and electronics that are damaged during a windstorm.

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Detached Structures Coverage

Extends protection to garages, sheds, fences, or decks damaged by wind or hail.

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Additional Living Expenses

Helps pay for hotel stays, meals, or temporary housing if your home is uninhabitable after a covered windstorm.

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Loss of Use Coverage

Covers costs associated with being displaced from your home due to wind damage repairs.

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Optional Add-Ons

Depending on your policy, you can add coverage for excluded risks like flooding or earthquakes, which are not included in standard windstorm insurance.

Benefits of Windstorm Insurance

Severe storms can lead to extensive and expensive repairs. Windstorm insurance provides peace of mind knowing your home and property are covered. At Chris Covers Your Assets, we’ll review your risks and explain your options, helping you choose a policy that ensures your financial stability when the next storm hits.

Frequently Asked Questions

  • Does my homeowners insurance cover wind damage?

    Some policies include limited wind coverage, but many exclude or cap coverage for windstorms. A standalone windstorm policy ensures full protection.

  • What types of damage does windstorm insurance cover?

    It typically covers damage caused by high winds, tornadoes, hurricanes, and hail. Flood or earthquake damage are generally excluded unless added separately.

  • Is there a limit on personal property coverage?

    Yes. Windstorm insurance policies have limits on personal property coverage. Chris will help you determine the right amount of protection for your belongings.

  • Do I need windstorm insurance in Northern Colorado?

    While Colorado isn’t coastal, severe thunderstorms, hail, and tornadoes can cause significant damage. Windstorm insurance adds critical protection beyond standard homeowners coverage.

At Chris Covers Your Assets, we’ve been protecting homeowners for nearly three decades. Whether you live in Northern Colorado or one of the states we serve — Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona — we’ll design a windstorm policy that fits your needs and budget.

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