When Jason and Beth found their dream property — 30 private acres tucked away in Golden — they knew it was special. What they didn’t expect was just how hard it would be to insure it. As out-of-state buyers relocating to Colorado, they were ready for a fresh start and the peace of nature. But what they faced instead was a series of roadblocks that nearly made the purchase impossible.

With wildfire risk on the rise and insurance companies pulling out of high-risk areas, we quickly discovered that homeowner’s insurance

wasn’t just expensive — it was almost unattainable. Over a dozen companies declined coverage outright. The few that offered policies were quoting premiums up to ten times what the current owner was paying. Rather than giving up, we got to work.

We coordinated with multiple insurance agents, brought in the local fire department for a risk assessment, and documented all the mitigation efforts on the property — from defensible space to emergency access. Still, the rates didn’t budge.

That’s when we tapped into our trusted network. Through collaboration with other agents and insurance specialists, we found a potential solution: State Farm would insure the home — at a fraction of the cost — but only if the roof was replaced with fire-resistant materials. And this wasn’t just any roof. It was on a 16,000-square-foot home.

Undeterred, we brought in our go-to roofer, who not only quoted the lowest price but also worked within the insurer’s specific requirements. We negotiated hard, delayed closing twice, and ultimately got the seller to cover the entire cost of the new roof.

In the end, Jason and Beth got the home they’d dreamed of — and the peace of mind that came with proper coverage, all without blowing their budget.
At Dawn Home Collective, we don’t just help you find a house — we help you navigate the hard parts, advocate fiercely, and land exactly where you belong.

With wildfire risk on the rise and insurance companies pulling out of high-risk areas, we quickly discovered that homeowner’s insurance wasn’t just expensive — it was almost unattainable. Over a dozen companies declined coverage outright. The few that offered policies were quoting premiums up to ten times what the current owner was paying. Rather than giving up, we got to work.

We coordinated with multiple insurance agents, brought in the local fire department for a risk assessment, and documented all the mitigation efforts on the property — from defensible space to emergency access. Still, the rates didn’t budge.

That’s when we tapped into our trusted network. Through collaboration with other agents and insurance specialists, we found a potential solution: State Farm would insure the home — at a fraction of the cost — but only if the roof was replaced with fire-resistant materials. And this wasn’t just any roof. It was on a 16,000-square-foot home.

Undeterred, we brought in our go-to roofer, who not only quoted the lowest price but also worked within the insurer’s specific requirements. We negotiated hard, delayed closing twice, and ultimately got the seller to cover the entire cost of the new roof.

In the end, Jason and Beth got the home they’d dreamed of — and the peace of mind that came with proper coverage, all without blowing their budget. At Dawn Home Collective, we don’t just help you find a house — we help you navigate the hard parts, advocate fiercely, and land exactly where you belong.