Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Pueblo

Our Recommended Top 5

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 Pueblo 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.

66

Reviewed

41

Curated

5

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2099 Highway 50 West, Pueblo, CO 81008
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

The Insurance House is a family-owned insurance agency that offers personal and commercial insurance solutions in the Pueblo metro and surrounding areas. It has been in business for two decades and has a diversified team of agents that offer various insurance policies depending on budget, needs, and risks. The company provides homeowners' insurance policies that cover properties (dwelling units, garage, sheds, etc.) and liability (legal responsibility for damage caused). This can then be expanded to cover other things such as personal belongings.

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
3.8 / 5 (10)
Facebook
5.0 / 5 (7)
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

Website
102 South Victoria Avenue, Pueblo, CO 81003
  • Multiple Policy Types

Why choose this provider?

High Desert Agencies, LLC, is an independent insurance agency located in Pueblo. It comprises agents who are knowledgeable in providing home insurance plans and policies to families and individuals, giving protection to their homes and personal belongings. Its homeowners' insurance plan covers damages caused by accidents, burglary and theft, fire, and natural disasters. It also has liability protection that covers medical and legal bills in cases of injuries at home. Other products include rental and condo 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.
4.4
Facebook
5.0 / 5 (9)
Google
3.0 / 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
1325 South Prairie Avenue, Pueblo, CO 81005
  • Multiple Policy Types
  • Condos
  • Renter's Insurance
  • Personal Property Insurance
  • Flood

Why choose this provider?

Founded more than 70 years ago, Colorado Farm Bureau Insurance helps clients in the Pueblo area obtain an insurance product that protects the home from the destruction caused by certain perils like theft or fire. Its real estate agent, Rob Keiffer, also provides personalized auto, farm, life, and ranch insurance plans. He helps clients select products that effectively minimize risk and protect their overall financial health. Colorado Farm Bureau Insurance is a partner of Farm Bureau Colorado, as well as Farm Bureau Banking.

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

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
123 W 12th St, Pueblo, CO 81003
  • Multiple Policy Types

Why choose this provider?

Main Street Independent Insurance Agencies, Inc. was founded in 2011 and has offices in Pueblo. They provide homeowners insurance that covers replacement of personal property and possessions, cost of repairing or rebuilding a home, additional living expense, and liability protection. Additional coverage options, such as coverage for valuables and inflation protection, can be included in the policy. To be able to serve the unique insurance needs of the clients, Main Street Independent Insurance Agencies, Inc. maintains partnerships with more than a dozen insurance companies.

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 (436)
Facebook
5.0 / 5 (12)
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
1004 South 9th Street, Canon City, CO 81212
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Dennis Podzemny State Farm Insurance Agent serves clients in Pueblo. This agency specializes in home and other personal insurance products. It provides help with selecting the right policy inclusions, as well as assistance with policy bundling, claims, and policy changes. Agent Dennis Podzemny has been in the insurance industry for more than 15 years. He has qualified for several State Farm awards and honors. This agency also sells annuities and mutual funds.

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 (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.
3.3
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.
  • What is guaranteed replacement cost coverage, and should you consider adding it to your Pueblo homeowners' insurance policy?

    Guaranteed replacement cost coverage is an endorsement meant to protect you from rising construction costs. The insurer will pay for the difference between the amount you insured your house for and the current cost of rebuilding your home should you suffer a total loss. Basically, there is no coverage limit. This endorsement is something you should consider as Pueblo and the rest of Colorado are projected to have increased wildfire risks, according to a report from the First Street Foundation.

  • What does it mean if your homeowners’ insurance policy in Pueblo is based on actual cash value versus replacement cost?

    If your policy insures your property based on actual cash value, it means that if a personal belonging in the house gets damaged, you will be reimbursed for its cash value minus depreciation. If you lost your 10-year-old TV after a wildfire passed through Pueblo, you will be paid the value of a 10-year-old TV instead of a brand-new TV. On the other hand, being insured based on replacement cost means you will be paid for what it costs to replace your TV with a new one of similar quality and kind.

  • Do homeowners’ insurance policies in Pueblo cover explosions?

    Yes, explosion-related losses are covered by homeowners’ insurance policies in Pueblo. However, the insurance will not cover damages if the explosion was not accidental, such as in the case of a terrorist attack or when someone in your home used unauthorized substances causing the explosion. Your homeowners' insurance policy will protect you if you had a gas leak or if it was your neighbor who set off the explosion using unauthorized chemicals.

  • How soon should the insurer notify you if they are canceling or can no longer renew your homeowners’ insurance policy in Pueblo?

    Colorado’s House Bill 1174 requires homeowners’ insurance providers in Pueblo to give the policyholder a written notice 60 days before the cancellation or non-renewal. An exception exists for cases of cancellation or non-renewal that are due to non-payment of premiums. Prior to HB 1174’s passing, the required notice period was only 30 days.

  • What discounts are usually offered by homeowners’ insurance agencies in Pueblo?

    You can usually get a price reduction on your homeowners’ insurance policy if you buy another policy like auto insurance from the same carrier. Some insurance agencies in Pueblo would also offer discounts if you choose to have your home's old roof replaced or upgraded. Another common way to get a price slash on your policy is to have theft-deterrent features installed in your home, such as upgraded locks or a monitored home security system.

  • 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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