Custom Insurance Solutions LLC
9360 Teddy Ln, Ste 102, Lone Tree, CO 80124
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9360 Teddy Ln, Ste 102, Lone Tree, CO 80124
View this agency's profile to learn more about their services.
9360 Teddy Ln 102, Lone Tree, CO 80124
View this agency's profile to learn more about their services.
8375 S Willow Street, Suite 300, Lone Tree, CO 80124
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Learn about insurance coverage options specific to Lone Tree residents.
Lone Tree sits in Colorado's Hail Alley. Learn about coverage, costs ($4,200-$5,200/year), hail deductibles, and how to protect your home from severe storms.
Complete insurance guide for Lone Tree, Colorado. Learn about hail coverage, Colorado's at-fault system, and how to protect your home and auto in 2026.
Car InsuranceLone Tree drivers face I-25's busiest traffic. Learn Colorado's 25/50/15 requirements, why minimums aren't enough, and how to save on coverage in 2026.
Yes, virtually all homeowners insurance policies in Colorado cover hail damage as a standard covered peril. However, you'll likely have a separate, higher deductible for wind and hail claims—typically $2,500 to $10,000, or 1% to 5% of your home's insured value. This means if your home is insured for $500,000 with a 2% hail deductible, you'll pay the first $10,000 of damage yourself before insurance coverage kicks in.
Colorado homeowners typically pay between $4,200 and $5,200 per year for home insurance in 2026, which is about $350 to $430 per month. Lone Tree residents may pay slightly higher rates due to the area's newer, higher-value homes that cost more to rebuild. Your specific rate depends on your home's age, construction quality, coverage limits, and the deductibles you choose.
Colorado has become one of the most expensive states for home insurance primarily due to severe hailstorms, not wildfires. The state experiences three to four catastrophic hailstorms each year, causing over $5 billion in insured damage over the past decade. Insurance companies have paid out $1.18 in claims and expenses for every dollar of premium collected, forcing them to raise rates significantly—an average increase of 57.9% between 2018 and 2023.
First, document all damage with photos and videos while it's still safe to do so. Contact your insurance company immediately—prompt notification is required. Take reasonable steps to prevent further damage, such as placing tarps over roof leaks or boarding up broken windows. Be cautious about contractors who show up unsolicited after storms, as some are unlicensed 'storm chasers' who do poor work and disappear when problems arise.
Yes, several strategies can reduce your premiums. Bundling your home and auto insurance with the same company typically saves 15% to 25%. Installing Class 4 impact-resistant roofing can earn you significant discounts, sometimes 20% or more. Consider raising your standard deductible while keeping in mind you'll have a separate hail deductible. Finally, shop around every few years, as Colorado's insurance market changes rapidly and different companies offer competitive rates at different times.
Colorado's FAIR Plan is a state-backed insurance program that began in 2024 for homeowners who can't get coverage from traditional insurance companies, typically because they live in high-risk hail or wildfire areas. It's essentially insurance of last resort—more expensive with less comprehensive coverage than standard policies, but it ensures you can meet your mortgage lender's insurance requirements. Most Lone Tree homeowners can still get standard coverage, but the FAIR Plan provides a safety net if traditional insurers decline your application.
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