Let’s be honest. Home insurance can be a little… boring. And it’s not something we think about every day — until something goes wrong and we wish we’d paid a little more attention. The truth is, most homeowners have coverage for the big stuff (your house, your roof, maybe even your favorite couch), but there are a few sneaky items and situations that often slip through the cracks.
Here are five things that Colorado homeowners commonly forget to insure — and how to make sure you’re not caught off guard when life throws a curveball.
1). Your Favorite Jewelry
Most home insurance policies cover personal belongings, but high-value items like jewelry, watches, and collectibles often have coverage limits. So, if you’ve got a sparkling engagement ring, grandma’s antique necklace, or a custom piece from a Colorado artisan, you’ll want to ask about adding extra coverage for those high-value items. We recommend insuring them on a separate personal articles policy rather than adding them to your homeowners insurance.
2). Your Home Office Setup
Since the work-from-home world exploded, we’ve seen an uptick in people with expensive tech setups — dual monitors, ergonomic chairs, high-end laptops. If you’re running a business from your basement or just have a killer setup for Zoom calls, don’t assume all that gear is automatically covered. Business property in the home often needs special attention in your policy.
3). Detached Structures
Detached garages, sheds, and workshops are common in many Colorado homes — especially in places with more land, like Falcon or Black Forest. But guess what? That gorgeous shed you spent your summer building might not be fully covered unless your policy specifically lists it. Same goes for fences, gazebos, and even tiny greenhouses.
4). Sewer Backup and Flooding
In Colorado, we might not get hurricanes, but heavy rain, flash floods, and even snowmelt can cause some major headaches. Standard home insurance policies typically do not cover flood damage or sewer backups — and trust us, nobody wants to deal with a basement full of water (or worse).
Groundwater entering your basement is typically excluded from coverage.
That means if water seeps in through the foundation, walls, or floor due to heavy rain, melting snow, or rising groundwater, your homeowners policy likely won’t pay for the damage.
This type of water intrusion is usually considered a maintenance issue, not a sudden and accidental event, which is why it’s not covered under standard policies. Adding flood or sewer backup coverage is usually affordable and totally worth it.
5). Your Liability for What Happens on Your Property
If your friend slips on your icy driveway in the winter or your dog decides to play linebacker when the mail carrier shows up, you could be held liable. Liability coverage is included in most policies, but the default limits might not be enough if things get serious. It’s worth reviewing, especially in Colorado where weather and wildlife keep us on our toes year-round.
Don’t Let a Gap in Coverage Catch You Off Guard
Home insurance isn’t just about checking a box; it’s about protecting the life you’ve worked hard to build. At Avalue Insurance, we help Colorado homeowners take the guesswork out of coverage. Whether you’re in Denver, Colorado Springs, or anywhere in between, we’ll help you review your policy, identify potential gaps, and make sure you’re fully protected — without paying for things you don’t need.
Get in touch with us today, and let us help you get fully covered! Give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a quote right here online!
