We “shop the market to find you the best insurance value
We work for you, not the insurance companies.
We custom tailor a plan to fit your lifestyle and budget
We advise you on the best coverage to fit your needs at the best value.
We insure ALL risks
We specialize in hard to place risks.
Most common Denver Flood Insurance questions from our clients
I don’t live in a floodplain, why do I need Flood Insurance?
As we in Colorado know, floods can happen anywhere, anytime. During the historic rainfall in September 2013, more than 17% of homes destroyed or damaged were not in the floodplain! It is worth weighing the cost of flood insurance vs the cost of potential flood damage.
Is Flood Insurance a separate policy?
Up until recently, it was necessary to purchase a separate policy to insure for flood damage. However, some companies, including Safeco, now offer optional flood coverage on their Homeowner policy for as little as $150 a year.
Is Flood Insurance only available through FEMA?
Maximum coverage from the National Flood Insurance Program (NFIP) is $250,000 for each structure and $100,000 for personal property. Higher limits and/or excess coverage can be purchased through private insurers.
