Home & Property Insurance
Colorado hail, spring flooding, and high-value homes make property insurance more than a formality. We shop your coverage across carriers to make sure you’re protected — and not paying for coverage you don’t need.
Coverage Options
Your biggest investment, fully covered.
A standard homeowners policy protects the structure of your home, other buildings on the property, your personal belongings, and your liability if someone is injured on your property.
What’s covered
Own the unit. Protect what's yours.
Your HOA's master policy covers the building and common areas — but everything inside your unit walls is your responsibility. Condo insurance fills that gap cleanly.
What’s covered
The coverage your homeowners policy doesn't include.
Standard homeowners policies exclude flood damage — full stop. In Colorado, spring snowmelt and localized flash flooding are real risks, even in areas that don't typically flood.
What’s covered
Flood insurance requires an agent quote — we'll find the right program for your property.
A safety net above everything else.
When a liability claim exceeds your home or auto policy limits, you're personally responsible for the difference. Umbrella insurance extends your protection — often for less than you'd expect.
What’s covered
Umbrella policies are priced individually — a quick conversation gets you an accurate number.
Arapahoe & Douglas County
Douglas and Arapahoe County homes face specific risks that generic online quotes often undervalue: large-loss hail events, high replacement costs on larger homes, proximity to wildland-urban interface areas, and basement flooding from spring runoff along drainages and creek corridors.
Jami has been insuring Aurora, Parker, and Castle Rock homes since 2011. She knows which carriers handle Colorado hail claims well, which undervalue local replacement costs, and how to structure a policy that won’t leave you short at claim time.
Parker home values and construction costs run above national averages. We make sure your dwelling coverage reflects actual rebuild cost, not a generic estimate.
Flash flooding along Cherry Creek, Newlin Gulch, and other Douglas County drainages affects properties that have never flooded before. We help you understand your risk.
Colorado is in the heart of Hail Alley. Not every carrier handles hail claims the same way. We'll place you with one that does it right.
Get covered
Bring us your current policy. We’ll review it, find the gaps, and shop across 22+ carriers to get you the right coverage at a competitive rate.
