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Best Homeowners Insurance Agencies in Pueblo

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Colorado Farm Bureau Insurance logo
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Colorado Farm Bureau Insurance

1325 South Prairie Avenue, Pueblo, CO 81005
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  • Condos
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Business Description

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
Facebook
3.5 / 5 (2)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Dennis Podzemny - State Farm Insurance Agent logo
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Dennis Podzemny - State Farm Insurance Agent

1004 South 9th Street, Canon City, CO 81212
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  • Multiple Policy Types
  • Personal Property Insurance

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
High Desert Agencies, LLC logo
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High Desert Agencies, LLC

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

Business Description

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
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
Main Street Independent Insurance Agencies, Inc. logo
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Main Street Independent Insurance Agencies, Inc.

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

Business Description

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.
4.8
Google
5.0 / 5 (436)

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
Pueblo Insurance logo
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Pueblo Insurance

1636 West Us Highway 50, Pueblo, CO 81008
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Pueblo Insurance is an independent insurance agency servicing Pueblo and nearby communities. It provides structural coverage, protection of personal valuables, personal liability, and additional living expenses if the homeowner needs to find a place to stay while the insured home is under repair. Similar coverages apply to renters and condo owners. Pueblo Insurance actively supports community activities and local schools. It is a member of the National Association of Insurance and Financial Advisors, and 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.
4.5
Google
4.5 / 5 (42)

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
The Insurance House, Inc. logo
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The Insurance House, Inc.

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

Business Description

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)

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
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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.

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