Eagle, CO, is home to the Camelot Balloons Inc., Eagle Town Park, Eagle Ranch Golf Course, and Eagle River Park. This town offers countless activities to its residents and guests year-round, surrounded by nature. However, it is important that homeowners and business owners alike secure proper wildfire insurance for their property and assets. In the content below, we will explore how wildfire insurance is imperative to those living near the mountains, and the types of mountain insurance in Eagle, CO.
Mountain Insurance and Wildfire Insurance
While living in or near the mountains, you get the breathtaking views of forestry, lakes, and mountainous peaks. However, while enjoying the nature around you, it may be easy to forget the danger it can bring.
According to Eagle County’s official website:
“In Colorado, the wildlands that are prone to fire overlap expanding mountain subdivisions. This overlap is called the red zone. It is also referred to as the wildland-urban interface. Since fire is common in the red zone, special precautions are necessary for homeowners and land managers.”
In unanticipated events such as wildfire, it is comforting to know that you and your family or business will be properly taken care of when covered under mountain insurance in Eagle, CO. Below, we explore the best mountain insurance coverages to secure in the event of a wildfire.
Additional Living Expense Coverage
A wildfire can quickly destroy anything in its path. Regarding wildfire coverage, an additional special insurance coverage to consider purchasing is the additional living expense. This refers to the amount paid to you if you need to evacuate or find temporary living arrangements throughout the duration of your home rebuild. It is paramount to solidify an adequate amount of coverage for the duration of time you are out of the home.
Replacement Cost Coverage
It is crucial that you ensure your personal property coverage contains replacement cost coverage on your policy to reimburse you for any personal items in your home lost in a fire. This coverage allows a full reimbursement to replace your items at no additional cost to you.
Separate Structures Coverage
Your separate structures are another area of concern to properly insure in the event of a wildfire. These structures may include detached garages, sheds, or other items built on your property. Oftentimes, in original policies, these are written with low coverage limits. However, they can be increased to make sure there is adequate coverage.
Auto Coverage
You must not forget to insure your autos and secure adequate coverage. By failing to obtain comprehensive coverage on your automobiles, you risk not receiving a replacement vehicle in the event of a comprehensive auto claim, such as a wildfire.
Secure Your Mountain Insurance and Wildfire Coverage with Centennial State Insurance Agency
If you are looking for the right coverage while living near the mountains in Eagle, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt and you are properly taken care of.
According to insurance agent Savannah Martin at Centennial State Insurance Agency:
“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”
Contact us to compare quotes and properly insure your home, property, and automobile today!