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Best Homeowners Insurance Agencies in Lakewood

2024

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Providers

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Website
1127 Auraria Parkway, Denver, CO 80204
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Carriers

Why choose this provider?

Denver Insurance LLC is an independent brokerage that represents the best interests of its clients. The company's licensed agents coordinate with multiple carriers to deliver personalized homeowners insurance packages. They evaluate individual situations to help ensure clients receive the appropriate protection for their dwellings and personal contents in addition to liability. Denver Insurance provides standard policies as well as separate coverage for floods and earthquakes. Its team also offers insurance options for condo 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.
5.0
Google
5.0 / 5 (283)
Facebook
5.0 / 5 (33)

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
7175 W Jefferson Ave Suite 1250, Lakewood, CO 80235
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Erwin Insurance Services is a Colorado-based independent insurance agency offering homeowners' insurance to residents of Lakewood and surrounding areas. Its homeowners' policies are structured by experienced agents who are proficient in ensuring that clients receive the best coverage for their needs and requirements. It also offers a selection of personal insurances, business insurances, auto insurances, and life insurances. Erwin Insurance Services is family-owned and family-operated, and has been providing services for more than 20 years.

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 (11)

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
7807 West Mississippi Avenue, Lakewood, CO 80226
  • Renter's Insurance
  • Multiple Policy Types
  • Fire
  • Condos

Why choose this provider?

Based in Colorado, Dodrill Insurance Inc. is an independent insurance agency catering to individuals in the Lakewood area. The agency was founded by Dales Dodrill in 1961. It provides homeowners' insurance coverage to families looking to protect their homes. The expert staff in the agency assists clients in structuring policies that provide the best coverage for their property security needs. Dodrill Insurance is licensed in over 20 states and works with more than 40 different insurance companies. The agency is involved with Feed My Starving Children and Denver Seminary.

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.
4.5
Google
4.5 / 5 (19)
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

Website
950 Wadsworth Boulevard, Lakewood, CO 80214
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Schey Insurance Agency has provided homeowners with insurance options in Lakewood and the surrounding area for more than 45 years. The independent agency' professionals represent multiple carriers to deliver the customized products that best meet their clients' needs. They secure protection against damage from wind and hail as well as theft and vandalism. The company's team offers coverage for primary and secondary residences, personal property, jewelry, firearms, and collectibles. Schey Insurance Agency also delivers competitive plans to condo owners.

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 (17)
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
1970 Kipling Street, Lakewood, CO 80215
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

Associated Agents Insurance has been serving the Lakewood metro area since 1946. The company helps private residence owners in choosing the right homeowners' insurance policy that can cover structural and personal property damages against disasters including hailstorms and wildfires. Its licensed agents also cater to clients with rental properties, townhomes, and condominiums. Other services include renters insurance and all types of personal and commercial insurance policies. In 2020, the company was recognized as one of the Top 25 Insurance Brokers in Denver by the Denver Business Journal.

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 (23)
Facebook
5.0 / 5 (1)
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

Website
8906 West Bowles Avenue, Littleton, CO 80123
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

A Complete Insurance Agency Inc. is an independent insurance agency servicing Lakewood and nearby areas. It financially safeguards homes and personal items from losses due to incidents such as natural disasters, fires, and theft. Homeowners' insurance also adds value to properties and maximizes potential savings. A Complete Insurance Agency counts as among its partners Safeco Insurance and Foremost Insurance Group in helping establish the appropriate coverage for clients, depending on their household or living situation.

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.
4.0
Google
3.8 / 5 (5)
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
2084 South Milwaukee Street, Denver, CO 80210
  • Multiple Policy Types

Why choose this provider?

Stailey Insurance Corporation has provided homeowners insurance options near Lakewood for more than 56 years. The independent agency's licensed professionals represent multiple carriers to deliver the options that best meet their clients' needs. They locate the standard coverage packages that protect the replacement value of the dwelling and contents in addition to providing liability in the event of a guest's accident while on the property. Stailey Insurance Corporation also works on behalf of condo 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.
4.6
Google
4.6 / 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

Website
2535 South Lewis Way, Lakewood, CO 80227
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Morrison Insurance Agency is dedicated to providing homeowners in Lakewood the coverage that best meets their needs. The independent agency represents multiple carriers and customizes individual policies to provide appropriate protection for the dwelling and contents as well as liability. Policies may insure for the replacement value of a home destroyed by a windstorm in addition to furniture, appliances, clothing, and jewelry. Other covered losses could include additional living expenses during the repair process.

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.
4.5
Google
4.8 / 5 (26)
Yelp
2.0 / 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
13701 West Jewell Avenue, Lakewood, CO 80228
  • Renter's Insurance
  • Condos

Why choose this provider?

Kaufman Agency is a full-service independent company that delivers customized homeowners insurance options in Lakewood. Its licensed agents represent multiple carriers to provide the coverage that best meets their clients' needs and at competitive rates. They evaluate individual circumstances to help ensure the appropriate protection safeguards the replacement value of the dwelling and personal possessions in addition to securing liability coverage. Kaufman Agency also offers policy options for condo 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.
4.9
Google
4.9 / 5 (30)
Yelp
4.0 / 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
777 South Wadsworth Boulevard, Lakewood, CO 80226
  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Colling Insurance Services, Inc., is a full-service insurance company that has been serving Lakewood and nearby areas since 1957. Its independent agents help individuals and families select the right homeowners' insurance policy that matches their needs. They cater to several types of residential properties, including single-family homes, townhomes, and condominiums. Other services include auto, dental, life and health, long-term care, and commercial insurance. The company is a member of the Professional Independent Insurance Agents of Colorado.

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
4.9 / 5 (37)
Facebook
5.0 / 5 (6)
Yelp
3.0 / 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

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.
  • How much is the price of standard homeowners' insurance in Lakewood?

    If you're a homeowner in Lakewood or anywhere else in Colorado, you can expect to pay an average of $2,152 per year for home insurance. This is significantly more than the national average of $1,428 and attributed to the area's volatile weather, which causes a combination of several of the state's most serious natural hazards, such as flash floods, wildfires, avalanches, tornadoes, lightning, and hail.

  • Do homeowners' insurance policies include coverage for theft in Lakewood?

    Yes. Standard homeowners' and renters' insurance policies provide coverage for stolen items in Lakewood, although there are certain limits specified within your policy. Be mindful that jewelry, antiques, and art often have particular dollar limits, which may be significantly lower than their actual monetary value. You may want to look into purchasing additional coverage for these items if you have them in your home.

  • Is homeowners' insurance required by law in Lakewood?

    No. In Lakewood and throughout Colorado, homeowners are not required by law to carry insurance to cover their home or their property from losses due to a storm or other hazard. Although, if there is a mortgage on the property, the lender will require insurance to protect the amount of money owed on the loan. While Colorado laws do not mandate this insurance, having it will provide peace of mind, as your investment will be protected.

  • Is it acceptable to renovate one's home in Lakewood while still keeping the same homeowners' insurance policy?

    Yes. However, it is crucial to check that your home insurance policy is up to date with the rising value of your property in Lakewood. Do not let your coverage level fall short of your home's new and updated value. In addition, review your current policy before starting any home improvement projects. This ensures that you have the appropriate coverage before work begins. Having liability and damage coverage from the start can help alleviate stress and safeguard your family against any potential damages.

  • Do homeowners' insurance policies require the customer to rebuild their home on the same property if it is completely destroyed in a wildfire in Lakewood?

    No. A law passed in June 2022 states that homeowners' insurance policyholders have the right to decide between rebuilding in a new location or buying an existing structure in the event of a total loss. If the policyholder chooses to relocate, the insurance provider must still reimburse the full loss amount. Moreover, they can replace their owner-occupied home at their current Lakewood address or a different location. When replacing the home, the cost should exclude the land value. Alternatively, clients can use the policy's proceeds to purchase a new residence without considering the land's value.

  • 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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