Denver homes are all over the map. A 1910 bungalow in the Highlands, a renovated foursquare in Congress Park, a condo above RiNo, a newer build out in Green Valley Ranch. Uncle Sheldon Insurance is a Colorado agency, and our team helps homeowners across the city find coverage that fits the house they actually own.
Hail is the thread running through all of it. Denver sits in one of the busiest hail corridors in the country, and a lot of policies here carry a separate wind and hail deductible set as a percentage of the home’s value. We’ll show you what that works out to in dollars before a storm ever tests it.
Older homes need their own attention. Plaster walls, original woodwork and brick in Washington Park, Park Hill or Platt Park cost more to restore than a square foot estimate suggests. If the dwelling limit was set years ago, or by a quick online calculator, it may fall short of what a proper repair would take.
Condo owners have a different puzzle. The HOA master policy covers the building, but what it covers inside your unit varies from building to building, and in Cherry Creek and LoHi towers that difference can be large. We’ll read the master policy with you and size your unit policy to fill exactly what’s left.
If you’ve moved out and kept the old place as a rental, that home needs landlord coverage instead of a homeowners policy. It’s one of the most common gaps we find in Denver.
Whatever you own, our team compares carriers, handles the paperwork and stays on the policy at every renewal. It costs nothing extra to work with us.