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Best Homeowners Insurance Agencies in Aurora

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Affordable Insurance logo
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License Verified:

License: 82434

Colorado Department of Regulatory Agencies, Division of Insurance

Affordable Insurance

14211 E.4th Ave., Aurora, CO 80011
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  • Renter's Insurance
  • Homeowners

Business Description

Affordable Insurance has been serving individuals and families in the Aurora metro since 1995. It offers a range of personal plans, including homeowners' policies. The company aims to protect policyholders from financial losses caused by unforeseen events like theft, vandalism, and natural disasters. It also helps clients acquire renters', condominium, flood, auto, and RV insurance. Affordable Insurance represents various carriers like Progressive, Foremost, Dairyland, and American Hallmark. Its founder, John, brings 20 years of experience in the finance industry.

License Verified:

License: 82434

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.1 / 5 (70)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Aimcol Insurance Brokers logo
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Aimcol Insurance Brokers

3000 S Jamaica Ct Ste 110, Aurora, CO 80014
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

AIMCOL Insurance Brokers is a full-service insurance agency in Aurora, Colorado. The company was founded in 2012 and offers insurance options throughout the state of Colorado. Its home insurance options help homeowners to protect their financial wellbeing in the event their home is damaged or destroyed by fire or other disasters. The company offers coverage at a variety of price points to ensure that homeowners with every budget can access insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Amador Insurance logo
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License Verified:

License: 547455

Colorado Department of Regulatory Agencies, Division of Insurance

Amador Insurance

18620 Green Valley Ranch Blvd Ste 102, Denver, CO 80249
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  • Multiple Carriers

Business Description

Amador Insurance is a company that has been serving Aurora and surrounding communities for six years. It assists individuals and their families in determining the type of homeowners' insurance to obtain based on their needs and preferences. Its team educates the clients about a wide range of policy coverage options that can protect the home itself along with the personal belongings inside it. The agency also offers renters' insurance, workplace benefits, financial services, and business insurance.

License Verified:

License: 547455

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (93)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Aspen Insurance Group logo
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Aspen Insurance Group

6480 E 73rd Ave, Commerce City, CO 80022
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  • Multiple Policy Types
  • Homeowners

Business Description

Aspen Insurance Group is a family-owned and operated home insurance agency serving the residents of Aurora, Colorado, that has another location in Dillon. The company works with various insurance carriers to offer clients an insurance plan for their home or condo that is customized to their unique needs, and it covers damage from floods, fire, and lightning, as well as theft and vandalism. Aspen Insurance Group also sells commercial and auto insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (255)
Facebook
5.0 / 5 (32)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Atrium Insurance Group, Inc logo
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Atrium Insurance Group, Inc

6970 S Holly Cir Ste 104, Centennial, CO 80112
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  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

Altrium Insurance Group Inc. is an insurance firm based in Centennial, Colorado, that's been in business for over 24 years. The company serves homeowners in Aurora and surrounding areas by providing residents with home insurance through multiple top-rated carriers. Homeowners policies protect the client's property, including manufactured and mobile homes, as well as all other structures on the premises. Family liability policies are available to protect the policyholder's entire household. Altrium also assists business owners and renters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Austin Domsch - State Farm Insurance Agent logo
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Austin Domsch - State Farm Insurance Agent

400 South Colorado Boulevard, Denver, CO 80246
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  • Multiple Policy Types

Business Description

Helping people in Colorado since 2006, Austin Domsch is a State Farm insurance agency operating in Aurora. Austin Domsch's agency specializes in auto, home, property, business, life, health, and pet insurance. One particular specialty is small business insurance. It strives to provide excellent customer service that takes away confusion regarding insurance, making it easy for customers to protect what they care about most. Its website allows easy access to phone and email contact details for interested parties.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (59)
Yelp
4.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bob Massie logo
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License Verified:

License: 45897

Colorado Department of Regulatory Agencies, Division of Insurance

Bob Massie

15290 E 6th Ave, Aurora, CO 80011
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  • Multiple Policy Types

Business Description

Bob Massie is a State Farm insurance agent who has been serving Aurora since 1983. He offers homeowners’ insurance plans that cover the repairs and replacements of homes. It also insures personal properties like electronics, bicycles, furniture, and clothing. He also provides auto insurance policies for new drivers, business travelers, and collectors. As a State Farm agent, Bob also offers insurance for renters, personal articles, and businesses. Health and life insurance and annuities are also available.

License Verified:

License: 45897

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
BRIQ Insurance logo
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BRIQ Insurance

10290 S Progress Way Ste 103, Parker, CO 80134
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  • Multiple Policy Types
  • Homeowners

Business Description

BRIQ Insurance writes home insurance policies for property owners in the Aurora, Colorado, metro area and surrounding communities. Headquartered in Parker, Colorado, it works with a range of insurance carriers to give homeowners multiple choices when it comes to purchasing needed home insurance. Owner Deloss D. Buseman brings more than 20 years of insurance industry experience to his clients and consults with clients to ascertain their home insurance needs and match them with the best policies at competitive rates.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Colorado Prestige Insurance Group logo
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Colorado Prestige Insurance Group

55 S 4th Ave, Brighton, CO 80601
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  • Renter's Insurance
  • Condos
  • Multiple Policy Types
  • Homeowners

Business Description

Colorado Prestige Insurance Group is an insurance company based in Brighton, Colorado. The company, which was founded in 2011, operates in Colorado and New Mexico. It offers home insurance services for primary residences, second homes, townhomes, condos, and rental properties, with optional coverage for scheduled property such as high-value art collections. Colorado Prestige Insurance also offers auto, life, and business coverage as well as specialty policies for restaurants, tech workers, and nonprofits.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (49)
Facebook
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
General Agency Corporation logo
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General Agency Corporation

15200 E Girard Ave Ste 4800, Aurora, CO 80014
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

General Agency Corporation is a full-service insurance provider located in Aurora, Colorado, that sells home insurance. Founded in 1952, GAC provides insurance for homeowners that protects against hail, wind, fire, theft, flooding, and other events. The company also offers a variety of business, auto, and aviation insurance as well as identity theft insurance that includes expenses, lost wages, and legal fees that may result after someone steals a client's identity.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
3.7 / 5 (3)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hilda Perez Insurance Agency logo
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License Verified:

License: 325226

Colorado Department of Regulatory Agencies, Division of Insurance

Hilda Perez Insurance Agency

3090 S. Jamaica Ct. Suite 310, Aurora, CO 80014
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  • Renter's Insurance

Business Description

Hilda Perez Insurance Agency serves homeowners throughout the Aurora metro and the surrounding communities. It partners with an extensive network of insurance carriers to provide customers with homeowners' insurance that is tailor-fit for their needs, covering clients' homes and belongings in cases of weather impact, theft, accidents, or loss of use. The insurance also typically includes liability coverage, so that clients are protected financially should there be an accident on their premises. The agency is licensed to operate in 45 states and also offers its services in Spanish.

License Verified:

License: 325226

Colorado Department of Regulatory Agencies, Division of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Joel Kruschwitz logo
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License Verified:

License: 109699

Colorado Department of Regulatory Agencies, Division of Insurance

Joel Kruschwitz

9801 E Colfax Avenue Ste 108, Aurora, CO 80010
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  • Multiple Policy Types

Business Description

Joel Kruschwitz caters to the homeowners' insurance needs of clients in the Aurora metro. Striving to accomplish a mission of helping people manage daily risks and recover from unexpected challenges, the State Farm agency also provides auto, business, property, health, and life insurance products. It likewise offers annuities and mutual funds in pursuit of supporting clients to realize their dreams. Its team also caters to Spanish-speaking clients and have over 50 years of collective experience.

License Verified:

License: 109699

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (473)
Yelp
4.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mountain Storm Insurance logo
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Mountain Storm Insurance

300 Plaza Dr Ste 195, Highlands Ranch, CO 80129
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

MountainStorm Insurance is an independently owned and locally operated insurance agency located in the Aurora, Colorado, metro area. Home policy specialists work with several reliable carriers, such as Safeco Insurance, Liberty Mutual, and Progressive, to offer clients the right combination of coverage at an affordable rate. Choose from several types of property insurance for homes, condos, renters, and landlords that provide financial protection following a valid claim. Other options include policies to cover flood and earthquake damage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (60)
Facebook
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
One Street Insurance Group logo
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License Verified:

License: 98774

Colorado Department of Regulatory Agencies, Division of Insurance

One Street Insurance Group

1010 South Joliet Street Suite 200, Aurora, CO 80012
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  • Multiple Policy Types

Business Description

One Street Insurance Group is a company that has been helping clients in Aurora and the surrounding communities for over two decades. The company handles personal protection policies, including home, automobile, life, and umbrella insurance. Its homeowner insurance offers protection against flood damage, sinkholes, sewer or septic backup payments, and personal property replacement costs. The firm works with different carriers and assists businesses by providing general liability, commercial property, and worker compensation insurance.

License Verified:

License: 98774

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (18)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Parker-Douglas Insurance logo
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Parker-Douglas Insurance

400 S Colorado Blvd Ste 390, Denver, CO 80246
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

Active since 1983, Parker-Douglas Insurance provides homeowners, auto, business and financial services to customers in Aurora, Colorado along with the remainder of the state Colorado and the entire United States. Policies are available for single-family homes, condominiums/town homes, short term rentals and commercial properties; and they commonly provide property, personal injury, and liability coverage. This agency also sells earthquake and flood insurance policies, which are not typically included with standard home owner's insurance policies. Parker Douglas can also provide insurance solutions on watercraft, recreational vehicles, valuable collectible items, and umbrella policies. They truly are a one stop shop for all of your personal, business and financial insurance needs. 

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (56)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ross Insurance Brokers logo
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Ross Insurance Brokers

3033 S Parker Rd Ste 350, Aurora, CO 80014
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Fire
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

Ross Insurance Brokers serves clients within the Aurora, Colorado, metro area, providing home insurance services. It helps customers to purchase policy plans that cover the structure of their home, personal belongings, liability, and living expenses following incidents which render the home uninhabitable. The agency also consults on a variety of special coverage areas not included in special plans, such as provisions for falling trees or liabilities caused by dangerous animals. Auto and health insurance policies are also handled by this agency.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.0 / 5 (165)
Facebook
4.0 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
State Insurance Broker - Raphael Chaman logo
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License Verified:

License: 331316

Colorado Department of Regulatory Agencies, Division of Insurance

State Insurance Broker - Raphael Chaman

1450 S. Havana St. Suite 436, Aurora, CO 80012
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  • Condos

Business Description

State Insurance Broker - Raphael Chaman serves Aurora and the surrounding areas. He provides a variety risk management solutions that help individuals and businesses protect their assets. Whether it's life, auto, homeowners', or commercial insurance his clients are looking for, Chaman is prepared to find coverage plans tailored tof their needs. He has been in the industry since 2008, assisting policyholders with their insurance concerns. Chaman has experience in representing and working with various insurance providers.

License Verified:

License: 331316

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Blaszczyszyn Insurance Agency logo
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The Blaszczyszyn Insurance Agency

1010 S Joliet St Ste 200, Aurora, CO 80012
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  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

The Blaszczyszyn Insurance Agency is an independent home insurance company based in Aurora, Colorado. The agency partners with many well-known national insurance companies, such as Safeco Insurance and Bristol West to provide homeowners with coverage for fire damage, personal liability, medical expenses, and flood damage. Its policies cover burglary and all forms of property damage. The firm offers other forms of coverage, including auto, life, umbrella, disability and renters insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Webtec Insurance Services, Inc. logo
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Webtec Insurance Services, Inc.

7887 E Belleview Ave Ste 1100, Englewood, CO 80111
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Founded in 1970, Webtec Insurance Services Inc. is an independent insurance agency located in Englewood, Colorado, and serving renters and homeowners in the Aurora, Colorado, metro area as well as in Arizona, California, Nevada, and Washington. The agency offers home insurance policies from a variety of companies, and policies cover the physical structure and contents of homes in addition to other structures on a property. Webtec also offers auto insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs