Lehn Insurance & Financial Service, LLC
2670 S McCall Rd, Suite 12, Englewood, FL 34224
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2670 S McCall Rd, Suite 12, Englewood, FL 34224
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456 S. Indiana Ave, Englewood, FL 34223
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31 W Green St, Englewood, FL 34223
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Learn about insurance coverage options specific to Englewood residents.
Englewood home insurance averages $4,099/year due to severe hail risk. Learn about percentage-based deductibles, older home challenges, and savings tips.
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General Insurance EducationEnglewood residents face unique insurance challenges including Colorado's 76% home insurance rate spike and hail damage. Get coverage tips for auto, home, and renters insurance.
Home insurance in Englewood typically costs between $3,300 and $6,600 annually, depending on your home's value, age, roof condition, and chosen deductibles. Colorado's average home insurance premium has climbed to around $4,099 per year as of 2024, with projections reaching $6,630 by 2025 due to frequent hail damage claims. Older homes in Englewood's established neighborhoods may face higher premiums than newer construction.
A percentage-based hail deductible means you pay a percentage of your dwelling coverage amount (typically 1% to 5%) out-of-pocket before insurance covers hail damage. For example, if your home is insured for $600,000 with a 2% hail deductible, you'd pay the first $12,000 of repairs yourself. This deductible is separate from your standard deductible and applies to both wind and hail damage in Colorado.
Yes, installing Class 4 impact-resistant shingles can reduce your premium by 5% to 30% with most Colorado insurers, and some may offer lower hail deductibles as well. While these roofs cost $10,000 to $20,000 more than standard shingles, the combination of premium savings and better protection against Englewood's frequent hailstorms often justifies the investment over time.
Yes, homes built before 1970—especially those in northwest Englewood dating to the 1910s or postwar homes from the 1940s-60s—can be harder to insure and may cost more. Insurers scrutinize roof age, electrical systems, and plumbing in older homes. Some carriers won't insure homes with roofs older than 15-20 years without inspections or may require system upgrades before offering coverage.
Colorado law generally requires insurers to allow at least one year from the date of hail damage to file a claim, but some policies may have shorter deadlines in their terms. Always check your specific policy for claim filing timeframes, and document damage with photos immediately after a storm, even if you're not ready to file right away.
Flood insurance is not typically required for most Englewood homes unless you're in a designated flood zone and have a federally-backed mortgage. However, Englewood sits near the South Platte River and some areas may have flood risk. Standard home insurance doesn't cover flood damage, so check FEMA flood maps and consider a separate flood policy if you're in or near a flood-prone area.
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