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At Advantage Insurance, we understand that your home is more than just a building; it's where memories are made and cherished. Protecting your home and belongings is essential, and our homeowners insurance policies are designed to provide comprehensive coverage tailored to your unique needs. Serving Loveland, CO, and Northern Colorado since 1981, we pride ourselves on treating our clients like family, ensuring you receive the best protection at competitive rates.
Coverage Options
Dwelling Coverage
Protects the structure of your home against damages from events like fire, smoke, vandalism, theft, and hail, ensuring your investment is secure.
Other Structures Coverage
Covers additional structures on your property, such as garages, sheds, or fences, providing financial protection for all aspects of your property.
Personal Property Coverage
Safeguards your personal belongings, including furniture, clothing, and appliances, against covered perils, offering peace of mind for your valuables.
Loss of Use Coverage
Provides additional living expenses if your home becomes uninhabitable due to a covered loss, ensuring you have a place to stay during repairs.
Personal Liability Insurance
Offers protection in case someone is injured on your property, covering legal fees and medical expenses, so you can feel secure in your home.
Medical Payments Coverage
Covers medical expenses for guests injured on your property, regardless of fault, demonstrating your commitment to their well-being.
Home Replacement Guarantee
Ensures your home can be rebuilt to its original state without depreciation, providing full coverage for rebuilding costs.
Replacement Cost on Contents
Offers reimbursement for personal property losses at replacement value, without deduction for depreciation, allowing you to replace items with new equivalents.
Abrupt Collapse Coverage
Protects against sudden structural collapses not caused by excluded perils, ensuring your home is covered in unexpected situations.
