Better Protection for Your Home Starts Here
Your home is one of your most important investments—and standard homeowners insurance may not cover everything. While it provides valuable protection, there are still gaps that could leave you exposed in the event of unexpected damage, breakdowns, or modern risks like identity theft and cybercrime.
That’s where enhancement coverages come in. These optional additions to your policy offer broader, more customized protection designed to give you greater peace of mind. From water backup to equipment breakdown, here’s a look at some of the most common enhancements to consider when reviewing your home insurance coverage.
🔨 Guaranteed or Extended Replacement Cost
This coverage may help pay to rebuild your home—even if the cost exceeds your policy limit—due to inflation, labor shortages, or increased material costs. Given the rising construction prices across Colorado, especially in areas like Boulder and Denver, this can be a crucial safeguard.
💧 Water Backup & Sump Overflow
Standard home insurance policies often do not cover water damage from a backed-up drain or sump pump failure. This enhancement can help cover cleanup and repairs caused by water backing into your home—a common risk in older Colorado homes and during sudden downpours.
⚙️ Equipment Breakdown Coverage
This add-on can help pay to repair or replace household systems and appliances—like your HVAC, refrigerator, or water heater—if they fail due to a mechanical or electrical breakdown. It’s not a replacement for a home warranty, but it may help cover unexpected repair costs.
🌐 Service Line Coverage
Covers repairs to underground utility lines on your property (such as water, sewer, and electric). If a tree root damages your sewer line or a buried electrical line fails, this coverage may help cover the cost of excavation and repair—often not included in a base policy.
🛡 Identity Theft Protection
Unfortunately, identity theft is on the rise. This enhancement offers expense reimbursement and guidance services if your identity is compromised—helping you recover faster and with expert support.
💻 Home Cyber Protection
More smart devices mean more exposure to cyber threats. This coverage may help protect your home network and connected devices from cyberattacks, ransomware, or breaches—offering a modern solution for today’s tech-savvy households.
💎 Scheduled Personal Property
Have valuables like jewelry, artwork, or collectibles? Scheduled property coverage offers higher limits and broader protection than your base policy, helping to ensure these items are adequately protected in case of damage or theft.
💦 Water Seepage & Leakage Coverage
Helps cover gradual water damage from hidden leaks—like those behind walls or under floors—that standard policies often exclude. A smart safeguard against costly surprises in hard-to-see areas of your home.
Why It Matters for Colorado Homeowners
With unpredictable weather, aging infrastructure, and rising living costs, having enhanced home insurance in Colorado just makes sense. Whether you live in Denver’s historic neighborhoods, the foothills of Boulder, or family-friendly Westminster, a little extra coverage today could make a big difference tomorrow.
Let’s Review Your Coverage
Not sure what your current home insurance policy includes—or what enhancements might benefit you? The Conexus Insurance team is here to help. We’ll walk you through your options and tailor a policy that fits your home, your budget, and your lifestyle.
Contact us today to schedule a policy review or get a quote for home insurance in Colorado.
