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Home Owners Insurance

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Product Overview

If you’re a homeowner, acquiring and maintaining thorough home insurance coverage is a must. Your home is one of the most valuable and important investments you are likely to ever make, and protecting it from catastrophe is critical. Keep your peace of mind with a homeowners’ insurance policy from the experienced agents at Prince Insurance Group, who provide coverage to individuals and families in Wheat Ridge, Denver, Lakewood, Thornton and surrounding communities.


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An unfortunate truth of life is that things can go wrong that are completely out of your control. In the case of home ownership, you can be affected by such calamities as break-ins, destructive weather and accidents (such as someone getting injured on your property).

Here are some issues a secure home insurance policy can protect you and your family against:

  • Accidental water damage
  • Burglary, theft, vandalism and break-in damage
  • Fire and smoke
  • Frozen pipes or plumbing
  • Lightning
  • Snow or ice damage
  • Water damage from water heaters or cooling systems/appliances
  • Windstorms and hailstorms


Prince Insurance Group helps find the right insurance for you and your needs.


Our team works with you to find the most affordable options for your situation.

Flexible Options

Our products are flexible and we work to find insurance specific to your needs

Unbeatable Service

We are just a phone call away throughout our entire relationship.

Common questions about Home Owners Insurance

Get quick answers to some of the most asked questions about home owners insurance. If you have additional questions, please contact us.  

Is home insurance really necessary?

It is. Insurance protects you against several liability and property risks that you will need to deal with as either a renter or owner. For instance, if you were sued by somebody for damages or injuries sustained by either your property or yourself, then the costs that come with defending your suit could tally up to thousands. That’s just for the legal fees alone, no matter what the outcome is. If your home were to be damaged or destroyed by a fire, and/or if the contents of your home are stolen or damaged, you likely might not be able to afford the costs that come with replacing everything you lost. For that reason, mortgage lenders generally mandate homeowners insurance.

What do homeowners insurance policies cover?

Approximately 900 different insurance companies write casualty/property policies in America, so there will be variances with each individual homeowners policy. With that said, approximately 80% of such policies use a fairly standard format. Every homeowners policy covers a couple of key areas: liability and property. Further, you might receive extra coverage for living expenses if your residence isn’t inhabitable for a certain timeframe as a result of a peril they cover.

At the very least, homeowners insurance generally cover damages caused by the following:

  • Freezing because of heating, air-conditioning, plumbing, or another household system.
  • Weight of snow, sleet, or ice.
  • Falling objects.
  • Vandalism or theft.
  • Smoke.
  • Vehicles.
  • Aircraft.
  • Explosions.
  • Hail or windstorms.
  • Lightning or fire.

Because the homeowners insurance I have is an aspect of the mortgage payment I make each month, I am unclear about who chooses what type of insurance I get. Is this my responsibility? Is this decision the responsibility of the mortgage lender I deal with?

It is up to you to determine what type of insurance to obtain. The responsibility of updating your policy also falls on you. Since the home is yours, the insurance policy is your responsibility, too. To protect their investment, many mortgage companies acquire a specific amount each month from you. This amount is placed in escrow. Your taxes and insurance are then paid when due. Regardless, because it’s your policy, you need to deal with a company that provides you with the best possible rates and coverage.

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