Ideally, nothing ever goes wrong with your house — the roof never creaks or leaks, the pipes never freeze … you get the picture. But your Esurance homeowners policy provides a range of coverages to protect you and your home in Colorado (and much more), in case things take a turn for the worse.
Colorado's hail "season" is considered to be from mid-April to mid-August, with 3 or 4 severe hailstorms every year. But before you let those numbers send you running for the hills, keep in mind that your policy protects you and your home from covered risks like hailstone damage, a catastrophic fire, windstorms, and more. So say your roof is damaged by a hailstorm — you don't have to worry about paying for repairs yourself.
This protection kicks in if you accidentally cause property damage or injure someone — think legal fees, medical bills, and settlement amount.
Depending on its breed, liability protection could also come in handy if your family pup bites a guest. In that case, your policy could help cover their medical expenses and your liability costs.
Your Esurance home policy also includes these standard coverages: