Expertise.com

Best Homeowners Insurance Agencies in Loveland

2024

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Website
4090 Clydesdale Parkway, Loveland, CO 80538
  • Earthquake
  • Flood

Why choose this provider?

Located in Loveland, Ewing-Leavitt Insurance Agency Inc. is an independent advisor that provides homeowners insurance plans. The business offers home and condo insurance policies that cover matters such as fire damage, property loss due to theft, personal liability, and damage caused by severe weather, and it provides separate plans for earthquakes and floods. Founded in 1952, Ewing-Leavitt is the nation's 12th largest private insurance broker. Its additional insurance products include umbrella coverage, health insurance, 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.
4.7

Website
4007 South Lincoln, Loveland, CO 80537
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

All About Insurance is a Loveland insurance broker that provides homeowners and property insurance policies. The company's homeowners plans provide coverage for personal property, adjacent structures, loss of use, medical expenses for individuals injured on-site, and personal liability. All About insurance offers separate policies for renters, and it provides umbrella policies to prevent gaps. In addition to homeowners insurance, the company's products include home-based business insurance, auto insurance, and life 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 (120)
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
633 N Denver Ave, Loveland, CO 80537
  • Multiple Policy Types

Why choose this provider?

Welsh Insurance Agency, Inc has been offering insurance services to individuals and families since 1987. This full-service insurance agency serves Loveland and the surrounding communities. The team of professionals from this business offers homeowners' insurance solutions that provide liability and financial protection from unexpected and unfortunate events. The home insurance policy covers living expenses, personal belongings, health care costs, and the home's structure. Welsh Insurance Agency also has other insurance options, such as cyber liability and workers' compensation.

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 (36)
Facebook
5.0 / 5 (9)
Yelp
1.0 / 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
2427 South College Avenue, Fort Collins, CO 80525
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Fort Collins Insurance is an independent firm that caters to residents in and around Loveland. It works with different carriers to help individuals and families obtain personalized homeowners' insurance coverage. The agency creates policies that can cover damage from disasters, such as bad weather and fires, floods, and earthquakes. Its team also offers auto, umbrella, rental property, general liability, and workers' compensation insurance. Owner Ryan Jackson has been an insurance broker for over eight 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.
4.6
Google
4.6 / 5 (25)

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
2187 East 11th Street, Loveland, CO 80537
  • Multiple Policy Types

Why choose this provider?

Based in Loveland, Dave Orr - State Farm Insurance Agent assists newly relocated and long-term residents with obtaining homeowners insurance policies. Mr. Orr is fully licensed, and he and his team provide guidance on policy specifics and areas of coverage such as fire, water, and vandalism damage. The business offers both home and property insurance, and clients can file claims and make payments directly on the company website. Additionally, the agency sells auto and business insurance plans.

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 (22)
Facebook
5.0 / 5 (13)
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
343 West Drake Road, Fort Collins, CO 80526
  • Condos
  • Multiple Policy Types
  • Fire

Why choose this provider?

Harmony Insurance Advisors Inc. is a Loveland insurance agency that offers homeowners policies. The company's homeowner plan combines liability and property insurance coverage to prevent gaps and provide protection for damages caused by severe weather, property damage due to fires, and personal liability if someone is injured on the homeowner's property. The company is completely independent, and its additional insurance products include workers compensation, general liability, life insurance, and auto policies.

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 (28)
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
1021 North Lincoln Avenue, Loveland, CO 80537
  • Multiple Policy Types

Why choose this provider?

Jackson Insurance is a family-owned and operated homeowners' insurance agency that services the residents of Loveland and the surrounding communities. Since 1991, experienced insurance specialists Dave and Dennise Jackson have been helping homeowners in getting the right kind of policy for their residential homes. Together with their team of agents, they compare quotes from different home insurance companies and offer the best options to their clients. Jackson Insurance also assists business owners who are looking for commercial insurance plans.

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
4.8 / 5 (51)
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1528 North Lincoln Avenue, Loveland, CO 80538
  • Multiple Policy Types

Why choose this provider?

Kristin Riley is a Farmers Insurance Agent who serves Loveland with various insurance products, including homeowners' insurance. The homeowners' policy includes dwelling and contents coverages that pay for damages to the house or the personal belongings inside because of certain natural disasters, theft, or vandalism. Also included in the insurance is liability coverage, which acts as financial protection if the policyholder's property causes an injury to other people or if the policyholder damages another's property. Riley customizes homeowners' insurance packages to meet her clients' 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.
4.0
Google
5.0 / 5 (2)
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

Website
1401 South Taft Avenue, Loveland, CO 80537
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

CoWest Insurance Providers caters to homeowners living in and nearby Loveland. The company covers its clients' homes for any damages caused by fire or natural disasters. It handles the cost of repairs or replacements and guides customers in filing a claim or making changes to existing their policies. The primary agent, Sheryl Dryer, has worked in insurance for over two decades. Dryer and the rest of the team are part of the CoWest Insurance Group, a nationwide group of independent insurance offices.

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
155 E Broadway Dr, Fort Collins, CO 80525
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Carriers

Why choose this provider?

U.S. Insurance Agency is a full-service insurance broker based in Loveland that assists homeowners with obtaining coverage policies. The business offers an online tool for customers to receive instant quotes, and its homeowners insurance plans include coverage for damage due to severe weather, vandalism, fires, and other catastrophic incidents. U.S. Insurance Agency networks with a wide range of carriers to ensure its customers receive cost-effective rates and reliable home and property coverage.

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
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
1349 Water Valley Parkway, Windsor, CO 80550
  • Multiple Policy Types

Why choose this provider?

Renaissance Insurance is a full-service insurance agency based in Loveland that helps new and current homeowners with securing policies. The company's website features a secure portal for clients to file claims and obtain quotes, and all plans come with full disclosure guarantees. Homeowners insurance policy specifics can vary based on client needs. Each policy may include protection for home structures and home contents, personal liability coverage, and separate flood insurance. In addition to homeowners insurance, the business offers plans for renters and mobile home 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.
4.0

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

Website
4308 North Garfield Avenue, Loveland, CO 80538
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Why choose this provider?

Advantage Insurance, LLC - Barry G. Gustafson Agency is a local, independent insurance agency that has been delivering custom policies for the homeowners of Loveland and Northern Colorado since 1981. Homeowners' insurance policies generally provide protection for the home and personal belongings in case of fire, hail, vandalism, or theft. The firm also offers condominium and renters' insurance policies. Advantage Insurance works with respected insurance carriers such as Safeco, The Hartford, Metlife, and Travelers.

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 (27)
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

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.
  • Does the City of Loveland require homeowners to insure their water lines?

    The City of Loveland does not require or recommend that homeowners insure their own wastewater or water service lines. It is up to the homeowner to decide whether or not to obtain insurance coverage. For more information, call the Water and Power Department at (970) 962-3000 or go to City Hall at 500 E. 3rd St., Loveland, CO 80537.

  • Can homeowner's insurance cover a collapsed ceiling in your Loveland home?

    Unless your policy expressly states that it is not covered, it is most likely covered. It may also not be covered if your Loveland homeowner's insurance policy only covers the perils specifically listed on the policy and does not cover collapse. In general, any damage to the house itself, including the ceiling, is covered, unless the cause is neglect or normal wear and tear.

  • How much does it cost to insure your home in Loveland?

    The average annual cost of homeowner's insurance in Loveland is $2,225, which is slightly less than the state average of $2,322. The cost of home insurance in Colorado is 49% higher than the national average, making the state the eighth most expensive for home insurance. Areas in Loveland with a higher crime rate or frequent exposure to natural disasters will cost more than those that do not.

  • Is it better to work with an independent insurance broker in Loveland than to buy directly from a national insurance carrier?

    There are benefits to utilizing the services of an independent insurance broker in Loveland. An independent insurance broker can provide you with various options than an insurer with its own line of products. Another benefit is that local insurance agencies are more familiar with the area. They are able to predict changes in state legislation and have more experience resolving local insurance-related issues. Face-to-face interaction with an agent would also reduce the likelihood of miscommunication and service delays.

  • Can insurance pay for stolen items when someone breaks into your home in Loveland?

    Standard homeowner's insurance policies in Loveland typically cover stolen personal property, but the amount you can recover depends on your policy limits. If you own expensive items such as antiques, paintings, and jewelry, be aware that their limits may be significantly lower than their actual worth. By purchasing an endorsement or floater, you can purchase additional coverage for expensive items.

  • 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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