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Best Homeowners Insurance Agencies in Denver

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Advantage Insurance Solutions logo
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License Verified:

License: 272745

Colorado Department of Regulatory Agencies, Division of Insurance

Advantage Insurance Solutions

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

Business Description

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
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Detail
Advantage Service Insurance logo
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Advantage Service Insurance

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

Business Description

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.
5.0
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
All Insurance Agency logo
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All Insurance Agency

PO Box 810, Erie, CO 80516
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  • Condos

Business Description

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Amador Insurance logo
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License Verified:

License: 552134

Colorado Department of Regulatory Agencies, Division of Insurance

Amador Insurance

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

Business Description

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
Bolder Insurance logo
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Bolder Insurance

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

Business Description

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
Bonnie Brae Insurance Agency logo
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Bonnie Brae Insurance Agency

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

Business Description

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
Bradley Insurance Group logo
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License Verified:

License: 11247

Colorado Department of Regulatory Agencies, Division of Insurance

Bradley Insurance Group

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

Business Description

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cockriel Insurance Agency logo
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Cockriel Insurance Agency

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

Business Description

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)
Equity Insurance Group logo
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License Verified:

License: 433800

Colorado Department of Regulatory Agencies, Division of Insurance

Equity Insurance Group

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Insurance Town and Country logo
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License Verified:

License: 37989

Colorado Department of Regulatory Agencies, Division of Insurance

Insurance Town and Country

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

Business Description

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
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 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
Jason Hart - State Farm Insurance Agent logo
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Jason Hart - State Farm Insurance Agent

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

Business Description

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.
5.0
Facebook
5.0 / 5 (6)
Kuzbiel Insurance Brokers logo
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License Verified:

License: 167750

Colorado Department of Regulatory Agencies, Division of Insurance

Kuzbiel Insurance Brokers

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

Business Description

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 (17)
Facebook
5.0 / 5 (10)
Lightship Insurance logo
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License Verified:

License: 1594970

Colorado Department of Regulatory Agencies, Division of Insurance

Lightship Insurance

677 North Grant Street, Denver, CO 80203
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  • Homeowners

Business Description

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
Google
4.7 / 5 (65)
Facebook
4.7 / 5 (6)
Yelp
4.5 / 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
Longevity Insurance Brokers logo
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License Verified:

License: 500735

Colorado Department of Regulatory Agencies, Division of Insurance

Longevity Insurance Brokers

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

Business Description

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)
Metropolitan Insurance logo
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License Verified:

License: 181048

Colorado Department of Regulatory Agencies, Division of Insurance

Metropolitan Insurance

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

Business Description

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)
Premier Mountain Insurance logo
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License Verified:

License: 600215

Colorado Department of Regulatory Agencies, Division of Insurance

Premier Mountain Insurance

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

Business Description

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)
Square State Insurance logo
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Square State Insurance

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Stailey Insurance Corporation logo
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License Verified:

License: 44574

Colorado Department of Regulatory Agencies, Division of Insurance

Stailey Insurance Corporation

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

Business Description

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
Stephanie Sponder logo
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License Verified:

License: 11415939

Colorado Department of Regulatory Agencies, Division of Insurance

Stephanie Sponder

667 E 19th Ave, Denver, CO 80203
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  • Renter's Insurance
  • Condos

Business Description

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)
The Insurance Loft logo
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The Insurance Loft

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

Business Description

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
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