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By Andrew Mudge, Personal Lines Manager

House on fire

In the past five years Colorado has come under fire from a multitude of perils. There has been flooding, hail, fires and tornadoes throughout the state of Colorado. The result of this has been increased premiums for everyone, including those who weren’t affected.

The people that have had the worst time finding an insurer willing to insure their home have been those in the mountains. It makes insurers wary to insure a home in a heavily wooded area that has few sources of water nearby available to firefighters, and typically on roads that are difficult for those same firefighters to reach. There are some mitigation steps you can use to make your home safer and less susceptible to fire.

  • Flame resistant foliage is one example of mitigation. Clear cutting your property 100 yards in every direction from your home is not always welcomed by most homeowners. After all most people that move to the mountains, moved there in order to enjoy the wilderness. Instead look to plant foliage that has fire-resistant qualities. This could include plants that have leaves that stay moist, or that don’t accumulate dry and dead materials throughout the plant.
  • Another fire concern are trees. Trees are the general source of wildfire throughout Colorado. Making sure that you don’t have any trees overhanging your home is an absolute must for fire mitigation. Having all trees within 15 feet of the home removed is suggested. 
  • As much as anyone hates to hear it, keeping your yard clean is one of the most important pieces of fire mitigation. Dead brush stacked up on the ground can allow fires to spread quickly through your property, catching trees and other living foliage on fire in the process. Making sure you keep your property clear of dead grass, branches, leaves, pine needles and other sources of combustion is imperative to keeping your home safe from fire. Keeping your yard clean also includes things like making sure gasoline and other fuels are stored safely away.

These are only a few fire mitigation steps that could make your home exponentially safer than it currently is. By following steps like these you can prevent losses while at the same time make your home more desirable to insurers.

Call us for a Colorado home insurance quote at 888.279.9701.

Additional Resources:
3 Pitfalls Homeowners Should Avoid With Their Insurance
3 Common Things Not Covered by a Typical Home Insurance Policy
3 Reasons to Get Insurance for Your Home-Based Business

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Alliance Insurance Group
710 Golden Ridge Rd., Suite 120
Golden, CO 80401

Phone: 888.279.9701