Protection for the Place You Call Home
From wildfires and hailstorms to water damage and rising rebuild costs, Colorado homeowners face real risks. Apex Insurance helps you build a policy that’s practical, protective, and personally suited to your home and neighborhood.
Coverage Options:
- Primary Residences
- Condos & Townhomes
- Vacation Homes & Rentals
- Personal Property
- Loss of Use / Temporary Housing
- Liability Coverage
- Flood, Fire, and Earthquake Endorsements
- Roof Replacement, Rebuild Cost Adjustments
Why Apex for Homeowners?
We know what makes Colorado properties unique—from wildfire-prone areas to HOA requirements—and we make sure you’re covered for more than just the basics.
Protect your investment—without the guesswork.
Does a standard homeowners policy cover wildfire damage?
Typically yes—but coverage varies by location. We’ll help assess if additional wildfire protection or endorsements are needed.
Are detached garages, sheds, or fences covered?
Most policies include “other structures,” but limits vary. We can help you adjust coverage.
What’s the difference between market value and rebuild cost?
Rebuild cost focuses on how much it would cost to rebuild your home—not what you paid for it. We insure for rebuild value.
Does homeowners insurance cover hail damage?
Yes, but roof coverage specifics (like depreciation) depend on the carrier and policy. We clarify that upfront.
Is flood insurance included?
No—flood coverage is a separate policy. We’ll help you determine if it’s needed based on location.