Brighton Insurance And Financial Services
4750 Old US 23, Brighton, MI 48114
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4750 Old US 23, Brighton, MI 48114
View this agency's profile to learn more about their services.
9973 E Grand River Rd, Brighton, MI 48116
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Brighton residents.
Complete Brighton, Colorado insurance guide covering auto requirements, home insurance costs, hail coverage, and local agents. Get protected in Hail Alley.
General Insurance EducationEverything you need to know about auto, home, and renters insurance in Brighton, Massachusetts. New 2025 requirements, local rates, and coverage tips.
Home InsuranceBrighton homeowners pay $1,960-$2,400/year for insurance. Learn how winter weather, old housing, and student rentals affect your coverage needs.
Home InsuranceBrighton home insurance costs $4,200-$5,200/year due to severe hail risk. Learn about deductibles, claims, and coverage options in Adams County.
Car InsuranceBrighton, MA drivers need modified no-fault coverage with $25K/$50K minimums. Learn about PIP, Mass Pike risks, and how to save on Suffolk County rates.
Car InsuranceBrighton drivers need more than state minimums. Learn about Colorado's 25/50/15 requirements, I-76 risks, and how to get affordable coverage.
The average home insurance cost in Brighton is approximately $1,225 per year, which is significantly lower than the Colorado state average of $4,099. However, your actual premium depends on your home's value, age, location, and particularly your roof type. Homes with hail-resistant Class 4 impact-rated roofs typically qualify for lower premiums, while older roofs or standard materials may cost more to insure given Brighton's position in Hail Alley.
Colorado requires all drivers, including those in Brighton, to carry minimum liability insurance of 25/50/15: $25,000 per person for bodily injury, $50,000 total per accident for bodily injury, and $15,000 for property damage. However, insurance experts strongly recommend higher limits like 100/300/50 because minimum coverage often doesn't cover the full cost of modern accidents. You should also consider adding uninsured/underinsured motorist coverage since about one in eight Colorado drivers is uninsured.
Brighton sits in Colorado's "Hail Alley" and experiences five to seven hailstorms annually, with Adams County seeing over $1.1 billion in hail claims in 2023 alone. Because of this extreme risk, insurance companies apply separate wind and hail deductibles ranging from $2,500-$10,000 or 1-5% of your home's insured value. These higher deductibles help keep premiums manageable while ensuring insurers can pay out the massive volume of claims that follow major storms. You can sometimes lower your deductible by installing hail-resistant roofing.
It depends on your insurance company and claims history. Some insurers in Colorado have started surcharging or non-renewing policies after hail claims due to the massive losses in recent years. Others may not raise your rates for your first claim, especially if you've been claim-free for several years. Before filing a claim, get an estimate of the damage and compare it to your deductible—if repairs cost $8,000 and your hail deductible is $7,500, it may not be worth filing. Always discuss potential rate impacts with your agent before submitting a claim.
Replacement cost coverage pays to rebuild or repair your home with new materials at current prices, minus your deductible. Actual cash value coverage pays replacement cost minus depreciation, which can leave you significantly short of what you need for repairs. For a 15-year-old roof damaged by hail, replacement cost might pay $15,000 for a new roof, while actual cash value might only pay $7,000 after factoring in depreciation. In Brighton's hail-prone environment, replacement cost coverage is strongly recommended despite the higher premium.
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