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9235 N Union Blvd., Ste. 150 #385
Colorado Springs, CO 80920

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Homeowners’ Insurance – Don’t Be Without It

Are you thinking about a home purchase? Will you have a mortgage on the property? If so, homeowners insurance coverage is mandatory. Westco Insurance LLC, serving the Colorado Springs, CO area, can provide the necessary coverage for your purchase.

This coverage is important because it pays for damage and losses to your property in the event of a burglary or fire. When you have a mortgage, the lender wants his interests protected. Homeowners insurance will do that. That is why a lender will require proof of this coverage.

As soon as you sign the contract for the home purchase, it is a good idea to begin shopping for homeowners insurance. That way you have time to get the policy in place prior to closing on the property.

There are three major reasons why a homeowners insurance policy is needed.

  • It provides comprehensive coverage
  • It provides protection against lawsuits
  • It protects the equity you have in your home

Four things make up a standard homeowners insurance policy. It includes coverage for the dwelling (home), other structures (garage, storage shed), personal property, and liability coverage.

There are some things that typically are not covered by homeowners insurance. A standard policy will not include coverage for valuable artwork, jewelry, collectibles, damage caused by a flood or earthquake, and identity theft protection.

Loss of use and medical payments coverage is also included in the policy. Loss of use coverage kicks in if you cannot occupy your home after a covered event occurs.

The medical payments portion of the policy covers the medical bills of those who are injured on your property but does not include members of your household.

If you are thinking of purchasing a home, contact the professionals at Westco Insurance LLC today for a no-obligation quote or answers to any questions you have. You will be glad you did.

Does Our Home Insurance Cover Renovations?

A home renovation can be expensive, so many homeowners opt to find helpful resources such as a home insurance agency. At Westco Insurance LLC, we are interested in providing home insurance to property owners living in Colorado Springs, CO. Our insurance plans cover many scenarios, including major home renovations for catastrophic events.

What is a Renovation Insurance Policy?

Homeowner’s insurance is meant to pay for damages to your home, particularly in a dangerous event. This could be a fire, a flood, or a burglary. These situations often result in a loss of belongings or weakening of the house’s structural integrity. When structural damage does occur, it becomes necessary for the homeowner to repair or replace the areas that have been damaged. This could be anything from a ruined carpet to a leaky roof. Because this process is usually expensive, homeowners often turn to insurance agencies to pay for the repair costs.  

This is where renovation insurance steps. This type of homeowner’s insurance policy covers the cost of a home renovation project. However, a renovation insurance plan may not cover situations outside of a hazardous event, so you’ll need to check with your insurance agent about what situations will be covered.

How to Find Renovation Insurance in Colorado Springs, CO

Westco Insurance LLC provides quality renovation insurance to the homeowners of Colorado. If your home has experienced structural damage due to peril, feel free to contact us for more information. Contact Westco Insurance LLC at 719-726-0318 to book an appointment.

Protect your Colorado Springs home with a comprehensive policy

Are you a resident and homeowner in the greater Colorado Springs, CO area? Westco Insurance LLC is aware of the significant amount of growth that has been happening in our area, and how this growth is affecting home prices. If you want to ensure that your house is protected, call us today.

Benefits of comprehensive policies for Colorado Springs area homes

When it comes to protecting your home, how much is enough? With a comprehensive policy, you can ensure that you have the level of protection needed to protect your home.

As home prices rise, so too do your insurance needs. Many homeowners renew the same policy year after year without reviewing it. This can lead to unanticipated problems down the road. Being underinsured is avoidable, and we can help you have the right coverage in place.

Protect your home, belongings, and any additional buildings on your property with comprehensive coverage. If you would like to ensure that you have the protection you need, now is a perfect time for a complete review of your current policy. Please don’t wait until it’s too late to find out that you don’t have the coverage you need.

A family home is a refuge, and it is also one of the largest financial investments that we make in our lifetimes. Be sure that you have the right policy at the right level. Give us a call to schedule your appointment today.

Let us help you protect your home!

Westco Insurance LLC is here to answer all of your home insurance questions. We want you to have peace of mind knowing that your Colorado Springs, CO is protected. Give us a call today.

What to look for when choosing your homeowner’s policy

Selecting a homeowner’s policy can take a lot of consideration to ensure that the coverage is correct and adequate for your needs. The team at Westco Insurance LLC is proud to serve the insurance needs of residents in the greater Colorado Springs, CO area.

Look for these policy options when selecting your homeowner’s insurance

If it’s time to renew your homeowner’s policy, or you are looking to buy a home, it’s important to get the right coverage. When selecting your policy, you may want to consider the following:

  • Does this policy protect all of the structures on my property?
  • Is the deductible in-line with my budget?
  • Do I have protection from theft and vandalism?
  • What happens if my house becomes uninhabitable due to a covered event?
  • Will I need additional coverage for personal articles?
  • Is any work equipment that I have at home (such as a laptop computer) covered?
  • Do I have liability protection in case someone is injured on my property?

These are just some of the questions that you should ask yourself when selecting your homeowner’s policy. The two main factors are the type of insurance policy and the level of coverage. There are many different benefits and features that you can select in order to tailor your homeowner’s policy for your own unique needs.

Finding the right policy to protect your home: we can help

When it comes to choosing your homeowner’s policy, you can rely on the team at Westco Insurance LLC. We are proud to serve Colorado Springs, CO and the surrounding communities. Give us a call for all of your insurance needs. We are here to help!

What is a home inventory and why do I need one

Owning a home is what many people aspire to. It is a huge investment and for many, the largest they will ever make. Keeping it safe is what home insurance is all about. In spite of all your best efforts, chances are you will have to file a claim for damages to your home or property.  When you do file a claim, having a home inventory can make things a lot easier. At Westco Insurance LLC in Colorado Springs, CO, we are locally owned and operated, and we strive to make sure that we exceed your expectations. 

A home inventory is a listing of all the contents of your home. It can be a daunting task to create but the help that it provides when you need to file a claim for lost content is invaluable.  

You can do a traditional inventory with a pad and pen, or you can do a digital one, both do the job. You should also take pictures with a traditional inventory especially of any higher-priced items. Do the inventory room by room, opening drawers and closets and writing down exactly what is in them. Include brand names, when possible. Model and serial numbers are helpful with electronics. 

The more details you include the better. Go through your home top to bottom and don’t forget your garage, shed, attic and basement. Having an appraisal for any pricier items is important. Attach any sales slips that you have to the inventory. Take at least one picture of every room but more is even better. 

Store the inventory away in a safe place, preferably off-site. At the very least make sure it is in a waterproof, fire-resistant box or even better on The Cloud. 

Contact Westco Insurance LLC in Colorado Springs, CO for all your home insurance needs. 

The Importance of Home Insurance

Regardless of whether you are purchasing a new home or recently paid off your mortgage, you may wonder if purchasing home insurance in Colorado Springs, CO is a good investment. Remember, your home is one of the most valuable assets you have, and homeowner’s insurance helps protect the investment you have made.

If you still don’t know if you should purchase homeowner’s insurance from Westco Insurance LLC, keep reading. Some of the top reasons to do so can be found here.

It’s Required

In some situations, homeowner’s insurance isn’t an option. If you have a mortgage, your lender will require you to have this protection in place. Before funding or refinancing your mortgage, the lender will likely require proof of proper insurance. This is to ensure the investment being made is protected if your home is destroyed or damaged.

Protection for More Than Your House

While a typical homeowner’s policy will protect your house, it will usually cover more than just the structure. Some policies include everything from your personal items inside and outside the house, the outbuildings on your property, and even medical bills if someone is injured while on your property.

Deductibles and Limits

Remember, homeowner’s insurance coverage comes with limits. This is the max amount of coverage a policy will provide. When choosing coverage limits, make sure to think about things like the possible costs of rebuilding your home or replacing everything inside the home. This will help ensure you have the amount of coverage needed.

If you are ready to purchase homeowner’s insurance, make sure to consider what you need. You can also search for Colorado Springs, CO policies and compare the options from reputable companies like Westco Insurance LLC. Knowing what to consider and why insurance is so important is the best way to ensure your home is properly covered and protected.

Exploring 5 Important Facts About Home Insurance

AmPro Insurance LLC offers multiple types of insurance policies to the Colorado Spring, CO community. We strive to help our clients prepare for the unexpected. We will help you find coverage to enjoy peace of mind.

Important Facts About Home Insurance

Your Colorado Spring, CO residence is one of your most prized possessions. That’s why it is important that you protect it. Home insurance covers your property as you navigate different threats. The policy covers any damages to your property and personal items. You may also add liability coverage so that you are protected if someone gets injured while they are visiting your home. Here is a look at some other important facts regarding home insurance.

You Can Add Special Coverage

You can add special coverage to your policy to protect you during different situations. You can add flood coverage to cover your property in the event that it is damaged due to severe flooding. If you plan to renovate your home, you can add coverage to protect your upgrades.

Liability Coverage Extends To Pets

If you have a pet, you can add liability coverage to protect you if your pet causes damage to someone else’s property.

You Are Responsible For Maintenance

It’s important that you take care of your home. You may not be prepared if your property is damaged due to issues caused by poor maintenance.

Luxury Items Need Special Coverage

If you have luxury items in your home such as valuable furs or paintings, you’ll have to amend your policy to cover these items if they are stolen.

Take Inventory

Take inventory of all of your personal belongings. This will give you a starting point to rely on if something happens.

AmPro Insurance LLC Will Help You Cover Your Property

Visit our website to learn more information about home insurance  

Things that aren’t covered by home insurance

Your home is your castle, and you have home insurance to protect that castle from all the hazards life can throw at it. You may assume all risks are covered, but we all know what happens when you assume. Unfortunately, most people do not read their homeowner’s policy and are unaware of the things generally not covered without a special endorsement. Having a relationship with your insurance agency is the best way to avoid getting a bad surprise. AmPro Insurance LLC in Colorado Springs, CO is an independent agency that can offer you choices when it comes to your carrier. 


Many people will be shocked to find out their home insurance does not cover flood damage, especially since floods caused 3.75 billion dollars in damage in 2019. Floods happen in every state, and as a result of the changing climate are becoming more frequent and devastating. The good news is while your home insurance won’t cover flood damage, you can purchase an additional policy through the National Flood Insurance Program. 

Earth Movement

Earthquakes, mudslides, and sinkholes are typically not covered by home insurance. These are more prevalent in certain parts of the country but recently have turned up in unexpected places. You can purchase an endorsement or an additional policy to cover these events. 

Pest Related Damage

Many pests can infest your home and cause a great deal of damage. Termites and carpenter ants are just two examples. A standard home insurance policy will not pay to repair the damage caused by these pests. This damage is considered neglect by the homeowner, and like any other neglect is excluded from coverage. 

If you are worried about any of the hazards which aren’t covered, you should talk to an insurance agent. In Colorado Springs, CO, AmPro Insurance LLC is the agency to trust. Give us a call or stop by the office and let us answer your questions and give you a quote. 

Protect Your Home Against Unforeseen Slips and Falls

Most home insurance covers accidents and mishaps in case someone sews your family for injuries received on your property. This could include visitors, salespeople, and those doing work in your home. AmPro Insurance LLC agents can help you understand your home insurance options in Colorado Springs, CO. In the meantime, find out more about home insurance liability and how it protects your family from financial loss.

Home Insurance Can Protect You from Slip and Fall Litigation

As a homeowner, you’re typically liable only for slips and falls if you are found negligent. Your insurer can help you understand the fine details of the legal aspects, but it’s a great way to protect your family from financial loss if the case goes to court and you lose. Your home insurance may even help you pay for court costs.

What Else Is Covered Under Home Liability Insurance?

You can ask your agent about what to add to your home insurance to protect your assets in the event of a fall or injury on your property. Here are some other things that liability insurance may cover:

  • Repair or replacement of another person’s property

  • Medical expenses for persons injured in your home due to negligence

  • Cost of legal defense against claims of bodily injury or property damage

It’s important to understand the home policy you choose because every policy is slightly different. For example, some policies cover defamation of character; other policies only offer defamation coverage as a separate indemnity. 

NOTE: If you work from home, be aware that your home insurance may not cover business activities and risks. 

Contact AmPro Insurance LLC in Colorado Springs, CO today for answers to your home insurance questions. Feel free to make an appointment for a free quote and to discuss the best way to protect your home from unforeseen circumstances. 


When do I need home insurance in Colorado Springs

If you are living in the Colorado Springs, CO area, buying a home could be a smart decision to make. When you choose to purchase a home, you will have a stable and consistent place to live and you will also benefit from price appreciation and inflating hedging. However, to make your home an excellent long-term decision, you need to have a good home insurance policy and plan. Those that do own property here will need to have coverage for several different reasons. 

Required by Lender

One reason why you need to have home insurance for your Colorado Spring, CO property is that your lender requires it. Any mortgage lender is going to make sure that you have home insurance in place when the loan closes. This will also ensure that the lender’s collateral is protected. Due to this protection, most lenders are also going to make your escrow for these payments monthly. 

Gives Liability and Property Protection

Even if you do not have a mortgage, you should still get home insurance. When you do have this type of insurance, you will receive property protection and liability coverage. These are very valuable types of coverage that will protect you in many different situations. This is a fantastic investment if an accident occurs in your home or if it is damaged in any way. 

Choosing the right home insurance policy is a big decision. The team at AmPro Insurance LLC can help you to find a policy that is right for your situation. When you meet with the team at AmPro Insurance LLC, you will learn a lot more about all of the insurance options that you have. This will allow you to find a good policy that covers you and your home. 

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Why work with us?

  • Locally owned and operated.
  • Policies that meet & exceed expectations.
  • Get an Annual Policy review.
  • We shop top carriers to find the best rate.
  • Solutions for complex situations (in the trees, too far from fire department, T-lock shingles, manufactured homes, etc.)
  • Dropped by your current carrier? We’ll find you a new one.
  • Lower hail deductibles
  • No “cosmetic hail exclusions”
  • Standard and non-standard auto rates/ SR22
  • A percentage of all profit goes back to Charitable causes

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