Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Denver

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Denver Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

358

Reviewed

222

Curated

20

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1017 S. Gaylord St, Ste B7, Denver, CO 80209
  • Flood
  • Fire

Why choose this provider?

Equity Insurance Group caters to the needs of clients in Denver. The business offers homeowners' insurance coverage for individuals with condos, townhouses, mobile homes, and rental properties. This policy helps individuals with the expenses associated with natural disaster damages, dog bite liability, and replacement costs. The business also offers auto and life insurance, in addition to workers' compensation and business liability protection. To help local businesses, it urges clients to become mindful consumers by purchasing local products.

License Verified:

License: 433800

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 (36)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1735 E. 17th Ave., Denver, CO 80218
  • Renter's Insurance
  • Condos
  • Homeowners
  • Landlords

Why choose this provider?

Insurance Town and Country is an independent agency with offices in Denver and Castle Rock. Backed by more than 75 years of experience, the risk management specialist assists clients in several areas, covering homeowners' insurance. With access to policies from multiple providers, its team furnishes policies that reimburse losses in cases of windstorm, volcanic eruption, fire, and sewer backup and provide protection for condominium residents and renters. Company owner Joan Burkett is a Certified Insurance Counselor, who has been protecting clients since 1983.

License Verified:

License: 37989

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.
3.9

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

Website
4380 South Syracuse St. Suite 310, Denver, CO 80237
  • Homeowners

Why choose this provider?

Advantage Insurance Solutions is a Denver-based agency established in 2005. It is a full-service insurance company that caters to homeowners in and around the city. Its insurance experts compare and assess the estimates of different insurance carriers, including Encompass and Hagerty. They also customize existing policies to cover property damage and theft of possessions. Advantage Insurance Solutions is owned and operated by Lori Busi, who has been in the insurance business for more than 20 years.

License Verified:

License: 272745

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.
4.9
Google
4.9 / 5 (230)
Yelp
5.0 / 5 (3)

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

Website
1312 17th St Ste 188, Denver, CO 80202
  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Square State Insurance is an insurance agency located in Denver, Colorado. Founded in 2014, it primarily focuses on property and casualty products, including homeowners, auto, renters, motorcycle, boat, RV, and umbrella insurance. The firm is an independent insurance agency and brokerage that has access to a wide range of insurance carriers that assist clients in best meeting their insurance needs. Its standard coverage options include dwellings, other structures, personal property, loss of use, medical expenses, and personal liability.

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 (399)
Yelp
5.0 / 5 (87)
Facebook
5.0 / 5 (80)

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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
333 W Hampden Ave Ste 315, Englewood, CO 80110
  • Renter's Insurance
  • Condos
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

Cockriel Insurance Agency, an independent insurance company in Denver, Colorado, provides home insurance policies from numerous companies to all residents of the state. It offers individualized, pay-per-option home insurance policies. Customers can choose one of the agency's umbrella policies that include other types of coverage, such as auto insurance. These policies offer additional personal liability protection, higher claim payouts, and legal defense fee payments. Cockreil Insurance Agency also provides customers with life, condo, 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
Google
5.0 / 5 (15)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (1)

Website
695 Pierce St Ste 210, Erie, CO 80516
  • Flood
  • Personal Property Insurance

Why choose this provider?

Formerly known as Lafayette, Advantage Service Insurance is located in Erie, Colorado, and serves clients throughout the Denver metropolitan area. The agency has been operating since 1996 and prides itself on its knowledgeable staff and friendly service. It works with a variety of major insurance companies to offer preferred, standard, and high-risk auto insurance policies. The company also specializes in SR22s. Advantage Service Insurance is a Better Business Bureau accredited business and a Trusted Choice independent insurance agent.

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 (189)
Yelp
5.0 / 5 (3)

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

Website
2084 S. Milwaukee St., Denver, CO 80210
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Stailey Insurance Corporation provides residents of Denver and the surrounding areas with various insurance plans and programs. The company offers home and business insurance, as well as liability and auto insurance. Grant Stailey is the company's owner and president. His father, Jim Stailey, founded the company in 1965. Grant has carried on his father's heritage and vision by providing security and protection to their clients for over 40 years. The company has insured over 4,000 families and individuals and over 1,500 businesses.

License Verified:

License: 44574

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
4.7 / 5 (26)
Facebook
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

Website
3501 W 38th Ave., Denver, CO 80211
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Metropolitan Insurance caters to the needs of its clients in Denver and surrounding areas. The agency works with various property and casualty insurance providers that offer different policies, including homeowners' insurance, renters' insurance, auto insurance, business insurance, and SR22 certification. The company also offers specialized coverage to homeowners to secure valuable assets. A team of local agents helps clients determine the right type of policy and guides them during the claims process. The agency provides roadside assistance, personalized service, and 24-hour customer service to its clients.

License Verified:

License: 181048

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
4.6 / 5 (46)
Facebook
5.0 / 5 (23)

Website
100 Fillmore Street 5th Floor, Denver, CO 80206
  • Homeowners

Why choose this provider?

Located in Denver, Longevity Insurance Brokers assists homeowners in finding coverages that help protect their homes and properties against natural disasters, accidents, and thefts. It also offers other policies, such as auto, life, and renters' insurance. The company strives to match each client with insurance plans that fit their needs and budgets. Founder Chris Long holds over a decade of industry experience and has worked for Farmers Insurance. He represents several companies, including American Modern, Kemper, Progressive, The Hartford, and Travelers.

License Verified:

License: 500735

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.
4.9
Google
4.9 / 5 (222)
Yelp
5.0 / 5 (124)
Facebook
4.9 / 5 (37)

Website
518 17th St Ste 1450, Denver, CO 80202
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Located in Denver, Colorado, The Insurance Loft is an independent broker founded over a decade ago. Offering homeowners insurance in over 30 states, the company works to provide a modern aspect to insurance with the ideals of a traditional agency. Clients comment on the value and thoroughness when deciding on a policy. ­Reaching out to help charities in the community is part of how the company is proactive against loss. The Insurance Loft also provides automotive, life, and business 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 (615)
Facebook
5.0 / 5 (20)
Yelp
4.5 / 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

Website
1100 S Shoshone St, Denver, CO 80223
  • Renter's Insurance
  • Condos

Why choose this provider?

Premier Mountain Insurance serves clients in Denver and the surrounding communities. The company provides home insurance coverage for renters, condo owners, and landlords. Its staff handles high-value homes and offers flood insurance policies as well. Other insurance products available include auto, life, dental, and personal umbrella. Premier Mountain Insurance also assists with commercial insurance plans such as workers' compensation, garage keepers' liability, and tenant legal liability. Kimberly Ramirez, one of its agents, speaks English and Spanish.

License Verified:

License: 600215

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.
4.9
Google
4.9 / 5 (123)
Facebook
5.0 / 5 (52)
Yelp
4.5 / 5 (10)

Website
18620 Green Valley Ranch Blvd Ste 102, Denver, CO 80249
  • Renter's Insurance

Why choose this provider?

Amador Insurance is a Denver-based insurance agency that is partnered with AllState. It provides home insurance plans for incoming and current residents of the city and nearby communities. The agency interviews each client to assess a suitable protection plan, from general coverages to specialized concerns. These special additions can include theft reimbursement, medical liability coverage, and flooding repairs. Active for over six years, Amador Insurance has helped over 5,000 different clients. Its other insurance plans include life, health, and workplace policies.

License Verified:

License: 552134

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
4.7 / 5 (215)
Facebook
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

Website
2480 W 26th Ave, B-140, Denver, CO 80211
  • Renter's Insurance
  • Condos

Why choose this provider?

Stephanie Sponder is a third-generation State Farm insurance agent that has been serving the Denver community since 2002. She operates a dog-friendly office and provides personalized homeowners' insurance coverage options for residential homes, ski condos, or rental properties. The customizable solutions include protection from financial losses caused by circumstances like theft, fire, and liability. Sponder's team also offers life, transfer, and pet insurance. She volunteers for community organizations like Habitat for Humanity and The Golden Backpack Program.

License Verified:

License: 11415939

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
4.8 / 5 (105)
Yelp
3.5 / 5 (34)
Facebook
5.0 / 5 (26)

Website
677 North Grant Street, Denver, CO 80203
  • Homeowners

Why choose this provider?

Lightship Insurance serves the Denver metro and its neighboring communities with a broad range of insurance products and services. It helps homeowners protect their tangible assets with insurance policies and coverages that suit their needs and mitigate risks. Its agents have a network of homeowners' insurance carriers, giving their clients flexible coverage options. The company partnered with national and regional providers, such as Banner Life Insurance, Berkshire Hathaway Homestate Companies, and Liberty Mutual Insurance.

License Verified:

License: 1594970

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

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

Website
179 S Colorado Blvd, Denver, CO 80246
  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Bonnie Brae Insurance Agency is an independent brokerage that's owned and operated by Jim Kreig. It opened in 1987 and serves residents of Denver, Colorado. The company's home insurance policies are backed by carriers such as Safeco Insurance, Progressive, and Travelers. They typically cover damages resulting from, fire, break-ins, vandalism, and some natural disasters. Homeowners can purchase additional coverage that protects them from flood and earthquakes, as well as extra coverage for personal property and medical expenses.

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.
4.4
Google
4.4 / 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

Website
15201 East Moncrieff Place, Aurora, CO 80011
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Jason Hart is a State Farm insurance agent near Denver who has years of experience helping homeowners find policies that provide adequate coverage for their properties and contents at an affordable premium rate. The licensed agent can advise on coverage against natural disasters, such as storms, and misfortunes, including burst pipes, burglary, and accidental damage. Mr. Hart is a fluent Spanish speaker who also specializes in life, health, auto, and business 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.
4.8
Google
4.8 / 5 (52)
Facebook
5.0 / 5 (6)

Website
3401 W. 38th Ave., Denver, CO 80211
  • Homeowners

Why choose this provider?

Bradley Insurance Group caters to the needs of clients in Denver. President David Bradly started his career in the industry in 1976. Together with his staff, they carry more than 125 years of collective experience. They aim to protect the client's valuable assets by providing comprehensive coverage, including home, renters, auto, life, and long-term care insurance. Its homeowners' insurance policy covers the client's property and belongings against damages and liability. Bradley Insurance Group is also a member of the CSA and the PIIAC.

License Verified:

License: 11247

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 (41)
Yelp
3.5 / 5 (3)
Facebook
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
800 Jefferson Ave, Louisville, CO 80027
  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Since 1989, Bolder Insurance has helped residents of the Denver, Colorado area obtain home insurance. The company's professional agents work hard to find insurance coverage that suits homeowners' needs and protects them from the high cost of home repairs in the event of a disaster. Its policies typically cover structural damage, the home's contents, and personal liability; however, some policies can be adjusted to include identity theft coverage, as well.

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
4.9 / 5 (47)
Facebook
4.5 / 5 (38)
Yelp
5.0 / 5 (4)

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

Website
1930 Sherman Street, Denver, CO 80203
  • Renter's Insurance
  • Condos
  • Homeowners

Why choose this provider?

Established in 2014, Kuzbiel Insurance Brokers is a multi-line agency that serves Denver. One of the products it offers is homeowners' insurance, which provides protection for personal property, dwelling places, and structures like sheds and detached garages. The company maintains partnerships with insurance carriers that specialize in protecting properties in high-risk locations. Progressive, Nationwide, and The Hartford are some of its partner carriers. Agency founder Daniel Kuzbiel, a former Farmers Insurance agent, has been providing risk management solutions for nearly 20 years.

License Verified:

License: 167750

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.
4.9
Google
4.8 / 5 (20)
Facebook
5.0 / 5 (14)

Website
PO Box 810, Erie, CO 80516
  • Condos

Why choose this provider?

All Insurance Agency caters to residents and businesses in Denver who are looking for different insurance policies. The family-owned company helps clients apply for and get homeowners', renters', commercial property, and small business insurance. Its staff also assists clients in availing themselves of additional coverage options, such as flood insurance from the National Flood Insurance Program for homeowners' insurance. All Insurance Agency and its staff have been providing insurance solutions to the agency's clientele since 1959.

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
4.5 / 5 (8)
Yelp
5.0 / 5 (7)
Facebook
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

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.
  • Why do you need to add flood insurance to your home insurance policy in Denver?

    Due to Colorado's numerous canyons, melted snow, and rivers, adding flood insurance coverage to your homeowners' insurance policy in Denver is essential as flash floods can be a serious issue in this area. The state has also seen more flash floods in prior years as a result of wildfires, rendering the land unable to absorb water as efficiently.

  • How can an annual consultation and homeowners' insurance assessment in Denver help you?

    Having an insurer in Denver evaluate your homeowners' insurance policy on an annual basis might help you boost or decrease your deductibles. Reviewing your current plan will also help identify home insurance options that best suit your present financial and practical circumstances. For instance, if you've installed a security device or constructed a new garage that requires coverage, you could incorporate these changes into your policy, and you may even receive discounts.

  • What are the factors that determine the cost of your homeowners' insurance policy in Denver?

    Your insurer will include your home's location and overall square footage when determining how much your Denver homeowners insurance policy will cost. The cost of building in Colorado, which includes the materials used in your home, its construction, and any other features, are other variables that may have an impact on this price. Additionally, the risk of certain calamities like snowstorms, hail, or wildfires can have an impact on your costs.

  • What are the common costs that are included in a loss of use coverage in your Denver homeowners' insurance policy?

    Depending on the limits of your policy, your loss of use coverage may pay for additional living expenses if you are unable to live in your Denver home while it is being repaired. This plan typically covers the hotel and parking fees, as well as the expenses that you need to pay when you admit your pet to a boarding facility in case they can't stay with you at the hotel.

  • 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.

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