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Raise your expectations for your personal insurance needs.

Q: Does my homeowners policy cover flood damage?

No. Standard homeowners insurance excludes flood damage entirely, regardless of cause. Flood coverage requires a separate flood insurance policy, typically through the National Flood Insurance Program or a private flood carrier. Even homes outside designated flood zones can benefit from this coverage since a meaningful percentage of flood claims come from properties not mapped as high-risk.

Q: Are my jewelry, art, or collectibles covered under a standard homeowners policy?

Only partially. Standard homeowners policies include limited coverage for personal property, often with sub-limits as low as one to two thousand five hundred dollars for jewelry, fine art, or collectibles. A personal articles floater provides specific, itemized coverage at appraised value for items that exceed those built-in sub-limits.

Q: How is personal health insurance different from a group plan through an employer?

An individual health plan is purchased directly by you, often through the ACA marketplace, with premiums and subsidies based on your own household income. A group plan through an employer pools risk across all employees and often includes employer premium contributions that lower out-of-pocket cost. The two should be compared on total cost, not just premium, since deductibles and networks can vary significantly.

Insurance for Metro-Denver Individuals & Families

At Mountainside Insurance Management, our clients come first. We know you rely on our independence to get the right personal insurance coverages at the best price for your needs. Our approach is to truly understand the personal risks you face, knowing that one unfortunate liability event or property loss can negatively impact your assets and security.

Each our client’s insurance plans are customized to address their unique risks so that the right balance of coverages are provided to respond in the event of an accident, injury or loss.

We work with several leading insurance companies, having established longstanding relationships that enable us to place coverage from the most straightforward account to unusual and hard-to-place risks.

Our Personal Lines Insurance Coverages

We provide a portfolio of personal products including the following:

Personal Auto Insurance
Homeowners Insurance
Renters Insurance
Condominium Insurance
Boat Insurance
Flood Insurance
Vacation Homes Insurance
Personal Umbrella Insurance
Personal Articles Floater/Fine Arts/Collectibles Insurance
Identity Theft Insurance
Life & Health Insurance

Frequently Asked Questions About Personal Insurance

Does my homeowners policy cover flood damage?

Its important to understand that water backup in your basement is no "flood." With that mentioned, no standard homeowners insurance excludes flood damage entirely, regardless of cause — this includes flash flooding, rising rivers, and storm surge. Flood coverage requires a separate flood insurance policy, typically through the National Flood Insurance Program (NFIP) or a private flood carrier. Even homes outside designated flood zones can benefit from this coverage, since a meaningful percentage of flood claims come from properties not mapped as high-risk.

What's the difference between renters insurance and homeowners insurance?

Homeowners insurance covers the physical structure of your home plus your personal belongings and liability. Renters insurance only covers your personal belongings, liability, and additional living expenses if you're displaced — it does not cover the building itself, since that's the landlord's responsibility under their own policy. Renters insurance is often inexpensive relative to the protection it provides, and many landlords now require it as a lease condition.

When does it make sense to add a personal umbrella policy?

A personal umbrella policy extends your liability coverage beyond the limits of your auto and homeowners policies — typically in $1 million increments. It makes sense once your net worth, income, or risk exposure (a pool, trampoline, teenage drivers, dogs, rental properties, etc.) exceeds what your underlying policy limits would cover in a serious liability claim or lawsuit. Umbrella coverage is generally inexpensive per million dollars of protection compared to raising limits on individual policies.

Are my jewelry, art, or collectibles covered under a standard homeowners policy?

Only partially. Standard homeowners policies include a limited amount of coverage for personal property, often with sub-limits as low as $1,000–$2,500 for categories like jewelry, fine art, or collectibles — far below actual replacement value for most valuable items. A personal articles floater (sometimes called a scheduled personal property endorsement) provides specific, itemized coverage at appraised value, with no deductible in many cases, for items that exceed those built-in sub-limits.

Do I need identity theft insurance if I already have credit monitoring?

Credit monitoring alerts you to suspicious activity but doesn't cover the actual costs of resolving identity theft — lost wages from time spent fixing the problem, legal fees, and other expenses tied to restoring your identity. Identity theft insurance is typically an inexpensive endorsement added to a homeowners or auto policy that reimburses these out-of-pocket costs, which credit monitoring alone does not address.

How is personal health insurance different from a group plan through an employer?

An individual/personal health plan is purchased directly by you (often through the ACA marketplace) and the premium, deductible, and plan design are based on your own household, with potential subsidies depending on income. A group plan through an employer pools risk across all employees, generally has more predictable employer-negotiated pricing, and often comes with employer premium contributions that lower your out-of-pocket cost. If you're self-employed, between jobs, or your employer doesn't offer coverage, a personal plan fills that gap — and the two should be compared carefully on total cost, not just premium, since deductibles and networks can vary significantly.

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