Best Homeowners Insurance Agencies in Fort Collins

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1st American Insurance Agency logo

1st American Insurance Agency

3534 John F Kennedy Parkway, Fort Collins, CO 80525
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  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

1st American Insurance Agency helps residents around Fort Collins secure financial protections for their properties in cases of damage or loss. The agency works to assist clients in identifying suitable insurance carriers that offer coverage for various property-related costs. Aside from homeowners, 1st American Insurance Agency also caters to the insurance needs of businesses and vehicle owners. The firm was established in 2012 by Steven Pierce, who has over 26 years of experience in the insurance sector.

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Daniel Insurance Agency logo

Daniel Insurance Agency

2627 Redwing Road, Fort Collins, CO 80526
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  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Daniel Insurance Agency serves Fort Collins residents, connecting them with homeowners' insurance policies that fit their needs. Its insurance plans provide coverage to policyholders regardless of whether they own or rent the insured properties and protect them against lawsuits in case guests get injured within the premises. It offers both named-perils policies and all-risk policies. The agency also provides insurance for condominiums, manufactured mobile homes, rental properties, and valuable items. Daniel Insurance Agency represents Safeco Insurance, Pinnacol Assurance, Liberty Mutual Insurance, and Encompass.

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David Dilley - State Farm Insurance Agent logo

David Dilley - State Farm Insurance Agent

4050 South Timberline Road, Fort Collins, CO 80525
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  • Personal Property Insurance
  • Multiple Policy Types

David Dilley is a State Farm insurance agent offering property damage coverage for homeowners in Fort Collins. Beyond securing repair costs for homes, the company covers select personal belongings, including keepsakes, hobby items, and home or gardening equipment. Its home insurance also covers natural disasters such as lightning, hail, or wind; instances of fire, theft, and vandalism; and faulty plumbing or HVAC systems. David also offers other lines of insurance, including auto, property, life, and health.

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Fort Collins Insurance logo

Fort Collins Insurance

2427 South College Avenue, Fort Collins, CO 80525
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Fire
  • Earthquake

Fort Collins Insurance is an agency owned by husband and wife Ryan and Jackie Jackson. Its line of products includes homeowners' insurance. The firm's agents offer a variety of homeowners' insurance coverage options from different carriers. These policies cover damage to a client's property as well as a client's legal responsibility for any physical or property damage caused to other people. Ryan Jackson has eight years of experience in providing insurance services.

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IMA Select logo

IMA Select

2721 Council Tree Avenue, Fort Collins, CO 80525
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  • Personal Property Insurance
  • Multiple Policy Types

IMA Select is an independent and privately-owned insurance agency in Fort Collins. It provides insurance policies to individuals, families, businesses, financial advisors, and wealth managers. Its home insurance takes care of the family in case untoward incidents happen to their property. It also has an exclusive package for clients with homes that are high-valued. The agency's umbrella insurance protects one from excess liability and adds another layer of protection for incidents at home, accidents with the car, or lawsuits.

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Insurance Specialties LTD logo

Insurance Specialties LTD

148 West Oak Street, Fort Collins, CO 80524
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  • Renter's Insurance
  • Condos

Insurance Specialties caters to homeowners in the Fort Collins area that seek to financially protect their properties in cases of fire, storms, theft, and other covered events. The agency assists clients including mobile home and tiny-house owners through the process of securing coverage for their dwellings and belongings. Insurance Specialties also services renters and owners of condominium units and seasonal properties. The firm has been addressing the home and auto insurance needs of Northern Colorado residents since 1989.

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Welsh Insurance Agency, Inc. logo

Welsh Insurance Agency, Inc.

4033 Boardwalk Drive, Fort Collins, CO 80525
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  • Multiple Policy Types

Welsh Insurance Agency, Inc. offers policies for homeowners in Fort Collins. An independent agency founded in 1987, it offers programs from standard coverage to policies for renters, condos, or older homes. It counsels clients on what is commonly covered by home insurance besides a client's dwelling such as select personal belongings, detached home structures, additional living expenses, and liability protection. Welsh also offers other lines of coverage such as auto and life insurance.

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Frequently Asked Questions

Q: How much homeowners\' insurance should someone carry?

A: 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.

Q: What should a homeowners\' insurance include/cover?

A: 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.

Q: How frequent should one change auto or homeowners\' insurance to another provider?  

A: 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.

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