Does Farmers Insurance Cover for Wildfire Damage?
Does Homeowners Insurance Cover Wildfire Damage in Colorado? In this video, we’ll review how homeowners' insurance in Colorado covers wildfire damage and what you need to know about protecting your home, belongings, and family. If you’re wondering: Why should I ask about wildfire insurance in Colorado? What exactly is covered in my policy? What should I check to make sure I’m protected? You’ll find answers here. Recently, the Lee Fire (August 2025) burned more than 137,000 acres, with evacuation zones across Meeker, Rifle, and surrounding communities. Families were forced to ask: “Am I really covered if fire reaches my home?” Here’s the good news: most Colorado homeowners' policies cover fire and smoke damage — including wildfires. Coverage often includes: Rebuilding your home Separate structures (garages, sheds, fences) Personal belongings (furniture, clothes, electronics) Additional living expenses if you can’t stay in your home Ordinance & law (bringing rebuilds up to code) But some high-risk zones may require: Extra endorsements Higher deductibles Or exclusions That’s why it’s so important to review your policy every year to make sure your coverage matches today’s risks. Key Moments in This Episode 00:00 – Does Homeowners Insurance Cover Wildfire Damage in Colorado? 00:30 – Why ask this question in Colorado? 01:20 – What’s actually covered in most policies 02:40 – Lee Fire story: Meeker, Rifle, and evacuations 04:15 – Rebuilding, belongings, living expenses, and code upgrades 06:00 – High-risk area considerations & exclusions 07:30 – What to check on your policy 08:30 – Call to action: yearly reviews & being prepared Watch Next Video: What’s the Best Deductible for Auto Insurance? Learn more or connect with me: https://agents.farmers.com/co/rifle/l... Emergency Preparedness Kit (links in comments) ABOUT Lydia Allen =========================== I currently help Colorado families, homeowners, and business owners understand their insurance coverage with clarity and confidence — from auto and home to life, renters, and business policies. I would love to answer your question and help you protect what matters most by showing you exactly what’s covered, what to review in your policy, and how to prepare for real risks like wildfires, hailstorms, and everyday accidents. You can learn more about me and my agency here: https://agents.farmers.com/co/rifle/l... And if you’d like a one-on-one policy review or personal guidance, I’d be happy to connect directly. #lydiaallenfarmerinsurancesagent #InsuranceConnector #ColoradoInsurance
