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Best Homeowners Insurance Agencies in Boulder, CO

Our Recommended Top 4

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 Boulder 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

133 McCaslin Boulevard, Louisville, CO 80027 Rating

Why choose this provider?

Marc Sisler - State Farm Insurance Agent offers a variety of options to residents of the Boulder area, so they can protect their homes, gardens, and personal assets. As an Air Force veteran, Mr. Sisler is dedicated to serving his local community, working closely with customers to help them choose the best insurance. He offers his services in English and Spanish. Additionally, customers can consult Mr. Sisler for home purchases, refinancing, out-of-state transfers, mutual funds, and annuities.

  • Personal Property Insurance
  • Multiple Policy Types

190 Arapahoe Avenue, Boulder, CO 80302 Rating

Review Sources

5.0 (1)

Why choose this provider?

Dan Skarda, a Farmers insurance agent, provides financial protection for Boulder residents. One of the areas he assists clients with is homeowners' insurance. The agent offers various home insurance policies that protect single-family dwellings, mobile homes, townhomes, and condominiums. He also creates home insurance plans for renters. Skarda carries more than three decades of experience in the insurance industry. Also included in his line of insurance products are auto, life, and commercial insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

4740 Table Mesa Drive, Boulder, CO 80305 Rating

Review Sources

5.0 (2)

Why choose this provider?

Sherry Dickerson, State Farm insurance agent, has more than 20 years of professional experience servicing individuals and businesses in Boulder. She offers homeowners' insurance that protects her clients' largest investment from unforeseen and unfortunate events. The insurance covers valuable items as well as house repairs and replacements. The coverage is valid even if the owner is not at home and is out on an errand or even on vacation. Dickerson also handles auto, business, life, health, and pet insurances. She is a member of the Boulder Chamber of Commerce and NAIFA.

  • Multiple Policy Types

385 South Broadway, Boulder, CO 80305 Rating

Review Sources

5.0 (3)
3.0 (1)

Why choose this provider?

Professional Financial Specialists, Inc., offers homeowners' insurance to clients around the Boulder area. Being an independent insurance company, its agents are able to offer a wide range of policies for homeowners. These policies provide replacement costs for their home and its contents, blanket coverage for the property, a single policy covering primary and secondary residences, high limits on valuable possessions, and water damage coverage. They also offer coverage in case of flood damage.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Marc Sisler - State Farm Insurance Agent
133 McCaslin Boulevard, Louisville, CO 80027
Dan Skarda - Farmers Insurance Agent
190 Arapahoe Avenue, Boulder, CO 80302
Sherry Dickerson - State Farm Insurance Agent
4740 Table Mesa Drive, Boulder, CO 80305
Professional Financial Specialists, Inc.
385 South Broadway, Boulder, CO 80305


  • 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.
  • Can you use homeowners' insurance to secure a home or a rental property that is unoccupied in Boulder?

    No, if you own a vacant home or a rental property in Boulder, you need a landlord policy, often known as a specialty housing insurance policy. According to this sort of insurance, coverage can be significantly decreased or even canceled if a property is vacant or unrented for more than 30 days in a row. Due to this, you must ensure that a rental property is not left empty for an extended period of time.

  • How much do you need to pay to purchase homeowners insurance coverage in Boulder?

    In accordance with Bankrate's report, the average cost of homeowners' insurance policies in the Boulder community is $1,312 per year, in comparison to the national average rate of $1,477. However, given this current rate, the total cost of your insurance will still depend on your deductibles, property, insurer, and coverage limits.

  • Do high-value homes in Boulder need a different type of homeowners' insurance?

    A high-value home in Boulder is one that is worth more than $750,000. A standard home insurance policy is typically not appropriate for these kinds of homes since it does not take into account the special coverage requirements of high-value homeowners. These kinds of houses require high-value home insurance to cover replacement expenses, expensive possessions, personal liability, loss of use, and contents, all of which are specifically designed to meet the needs of the property.

  • Is hail damage covered by homeowners insurance in Boulder?

    Yes, your homeowners' insurance in Boulder can cover the repair costs of your home due to damages caused by hail. Take note that your insurance agency will only cover the amount of the repair based on your existing coverage. If you don't want to fall short on this policy, make sure to regularly assess your plan.

  • What are the requirements that you need to present for filing a hail damage claim using your home insurance coverage in Boulder?

    As a homeowner in Boulder, it can be stressful to file a hail damage claim using your homeowners' insurance coverage. You will be required to present irrefutable proof that the damage that your property sustained was caused by hail by sending your insurance provider pictures and videos of the damage along with paperwork like repairs and receipts.

  • 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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