What does home insurance cover and what doesn't?
Covers: Your home structure, attached garage, roof, personal belongings, liability if someone is injured on your property, and temporary housing if your home becomes uninhabitable. Doesn't Cover: Flood (separate policy), earthquakes (separate endorsement), wear and tear, and maintenance issues. Some policies exclude certain water damage scenarios. Review your specific policy or ask us to clarify.
Let's Dive Deeper Into The Answer
From hail damage claims to wildfire zones, we break down the complex world of home insurance. Our local knowledge translates complicated policies into clear, practical protection.
REGIONAL EXPERTISE
Understanding coverage needs specific to Wyoming hail seasons, mountain wildfire risks, and what Casper and Fort Collins homeowners actually face with weather damage, frozen pipes, and regional perils.
TRUSTED GUIDANCE
Expert advice that helps you understand what's covered and what's not—without pressure or confusing insurance jargon. Just honest answers about protecting your home.
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Insurance is only as good as the claim. JWR doesn't just sell you a policy and disappear. When disaster strikes, the team fights for you, handles the paperwork, and makes sure you're paid fairly and fast. Their claims support is rated 4.9/5 stars for a reason.
We're There When It Matters Most
Insurance is only as good as the claim. JWR doesn't just sell you a policy and disappear. When disaster strikes, the team fights for you, handles the paperwork, and makes sure you're paid fairly and fast. Their claims support is rated 4.9/5 stars for a reason.
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No jargon. No fine print surprises. JWR explains everything like you're sitting at their kitchen table—because that's how they'd want to be treated. Coverage options are clear, bundles show real dollar savings, and you decide without sales pressure.
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Practical home insurance guidance for Wyoming and Northern Colorado homeowners.
WHAT YOUR HOME INSURANCE COVERS
Standard homeowners insurance protects your home's structure—walls, roof, foundation, attached garage—against damage from fire, lightning, windstorms, hail, theft, and vandalism. It also covers your personal belongings inside (furniture, clothes, electronics), liability if someone gets hurt on your property, and temporary housing costs if your home becomes unlivable after a covered loss. In Casper, that means your policy typically covers hail damage to your roof, wind damage from Wyoming storms, or fire damage. Most policies also cover detached structures like sheds or fences, and they'll pay your hotel bills if a kitchen fire forces you out while repairs happen. The dwelling coverage (your home's structure) should equal what it would cost to rebuild—not your home's market value, which includes the land.
WHAT HOME INSURANCE DOESN'T COVER
Standard policies exclude flood damage (you need separate flood insurance), earthquake damage (requires separate endorsement in Colorado), general wear and tear, and maintenance issues like a roof that just got old. Some water damage scenarios aren't covered—like slow leaks from pipes you should've fixed or foundation cracks from settling. In Wyoming and Colorado, this matters: spring flooding along rivers isn't covered by standard policies, and foundation issues from expansive clay soil often require documentation that damage was sudden, not gradual. If your basement floods from a burst pipe, that's usually covered; if groundwater seeps in during heavy rain, that's typically not covered without flood insurance. Damage from neglect—like a roof you ignored for twenty years—won't be covered either.
GETTING THE RIGHT PROTECTION FOR YOUR HOME
Don't assume your policy covers everything—read it or ask us to explain it in plain English. Many Casper and Fort Collins homeowners discover coverage gaps only after filing a claim. If you live near rivers or floodplains, separate flood insurance through FEMA or private carriers protects what standard policies won't. If you're in wildfire-prone areas near Colorado foothills, verify your policy doesn't exclude fire caused by wildfires. We review policies to identify gaps and explain options—earthquake coverage, increased personal property limits, or riders for expensive items like jewelry. Most people don't know what they're missing until it's too late. We help you understand what you have and what you might need.
Looking for more FAQs?
Covers: Your home structure, attached garage, roof, personal belongings, liability if someone is injured on your property, and temporary housing if your home becomes uninhabitable. Doesn't Cover: Flood (separate policy), earthquakes (separate endorsement), wear and tear, and maintenance issues. Some policies exclude certain water damage scenarios. Review your specific policy or ask us to clarify.
It depends on your location. If you're in a FEMA flood zone or near a river/creek, flood insurance is essential—standard home insurance DOES NOT cover flood. Even if you're not in a flood zone, flash flooding happens. Wyoming's sudden storms and Colorado's seasonal flooding make it worth considering, especially if you're in Casper's North Platte area or along Front Range streams. We can assess your risk.
Actual Cash Value (ACV): If your 20-year-old roof is damaged, you're paid its depreciated value ($2,000), not the $15,000 cost to replace it. You pay the gap. Replacement Cost (RC): You're paid the full $15,000 to replace the roof, regardless of age. RC costs more in premiums but protects you fairly. For homes in hail-prone Wyoming and Colorado, we recommend RC for dwelling and personal property coverage.
Home insurance in Wyoming and Colorado typically ranges from $800-$1,800 annually for $300,000-$500,000 homes, depending on age, construction, location, and deductible. Hail-prone areas (Casper, Fort Collins) may cost slightly more. Most homeowners save $300-$800/year by bundling with auto insurance and shopping multiple carriers. Get a free quote based on your home's specifics.
Ask your agent: "Is this Replacement Cost (RC) or Actual Cash Value (ACV)?" With RC, you're paid the full cost to rebuild today—even if it exceeds your policy limit (up to your dwelling limit). With ACV, you're paid depreciated value. We strongly recommend RC. If your home would cost $600,000 to rebuild but you only have $400,000 coverage, you pay the gap. Ensure your dwelling limit reflects current rebuild costs.
(1) Document damage with photos. (2) Don't make permanent repairs until insurance inspects (unless emergency). (3) Call us immediately—we file the claim and coordinate with the adjuster. (4) We can recommend trusted local contractors in Casper, Fort Collins, or your area. (5) Once approved, insurance pays the contractor directly (usually). Hail claims are common here; we handle them routinely and fight for fair settlements.