Colorado sits in one of the most weather-battered regions in the country. Heat waves. Wildfires. Hailstorms. Brutal cold snaps. And yet, nearly half of homeowners in the Mountain region still don’t carry extra insurance…
Colorado sits in one of the most weather-battered regions in the country. Heat waves. Wildfires. Hailstorms.
Brutal cold snaps. And yet, nearly half of homeowners in the Mountain region still don’t carry extra insurance protection. , which surveyed over 1,600 U.S. homeowners about their coverage habits. The gap is bigger here Nationally, 40% of homeowners skip insurance riders, the add-on policies that cover things standard home insurance typically doesn’t, like wind damage, flooding, or sump pump overflow.
Think of a standard homeowner’s policy as a raincoat with holes. It covers the basics. But the moment a wildfire scorches your property or a hailstorm caves in your roof, you might find yourself staring at a bill that your insurer won’t touch.30% of homeowners in the Mountain region say unexpected home repairs have already hurt their financial stability.25% shelled out over $5,000 out of pocket.
Here’s what Mountain region homeowners reported seeing more of in just the past year:19% experienced harsher cold snaps and frost. Yet most homeowners in the region haven’t reviewed their coverage. That’s a dangerous combination: more weather risk, less protection, and a false sense of security. Across the country, the story looks a little different depending on where you live.
On the West Coast, 70% of residents in Alaska, California, Hawaii, Oregon, and Washington carry riders. It pays to replace damaged property at today’s prices, not the depreciated value your insurer might otherwise offer. Flood riders , windstorm , and water backup coverage round out the most common choices. Around 42% of rider holders say they wanted to feel more secure and reduce out-of-pocket risk, while 28% say their agent recommended it.
About a third think their base policy already covers them, while 23% say riders cost too much and 22% say the risk in their area doesn’t justify the expense. Here’s the problem with that: Colorado’s risk profile keeps changing. What felt manageable five years ago looks very different today. Start with a simple question: when did you last read your policy?
If you can’t remember, that’s your answer. Flood riders, windstorm coverage, and extended replacement cost protection are all worth considering for homeowners in the Mountain region. The news and editorial staffs of The Denver Post had no role in this post’s preparation.
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