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2024

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Best Homeowners Insurance Agencies in Colorado Springs, CO

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Colorado Springs 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.

231Reviewed

145Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5555 Erindale Dr Ste 205, Colorado Springs, CO 80918
WebsiteLicense: 110950

Expertise.com Rating

Review Sources

Google
4.9 (37)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

BIG Insurance Group LLC is a locally owned and operated business that serves Colorado Springs. It caters to owners of condominiums, rental properties, and vacation residences by offering homeowners insurance. The company is an independent agency that also provides policies to boats, motorcycles, recreational vehicles, and collector cars. It offers insurance coverage to farms and ranches as well. BIG Insurance Group is headed by Krysti Shook, who has been actively working in the industry since the late ’90s.

  • Renter's Insurance
  • Condos
  • Homeowners

2055 Anglo Drive Suite #200, Colorado Springs, CO 80918

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (22)

Why choose this provider?

Insurance Centers of America offers homeowners' insurance policies to clients in Colorado Springs and nearby areas. It has been serving the insurance needs of individuals and businesses for over 35 years, helping clients obtain adequate homeowners' insurance policies that offer protection against financial loss in case of accidental damage, theft, or destruction of their homes. The agency represents a vast network of insurance carriers and offers other insurance products, such as auto, landlord, and umbrella insurance.

  • Homeowners

500 N Circle Dr Ste 201, Colorado Springs, CO 80909

Expertise.com Rating

Review Sources

Google
4.8 (20)
Yelp
5.0 (1)

Why choose this provider?

CoWest of Colorado Springs is an independent insurance agency that has been insuring homes in the Colorado Springs area since 1991. It is part of Colorado's CoWest Insurance Group Inc., which has 30 offices throughout the state. CoWest works with 25 different underwriters, including Liberty Mutual, Progressive and The Hartford to create unique coverage for each homeowner's needs. The firm provides homeowners insurance coverage for residents in city and rural dwellings and also offers rental property insurance.

  • Personal Property Insurance
  • Homeowners

421 South Tejon Street, Colorado Springs, CO 80903
WebsiteLicense: 419069

Expertise.com Rating

Review Sources

Google
4.0 (24)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Kortney Schultz is a State Farm insurance agent, specializing in helping homeowners and tenants in Colorado Springs. She assesses the value of each house then discusses potential risks to its residents, from extreme weather to criminal acts. Kortney can tailor an insurance plan to cover repairs or replacements of walls, windows, roofs, and personal items like jewelry and watches. She can speak Spanish and educates incoming relocators and citizens about the city culture and landmarks, including downtown pizzerias and food banks.

  • Homeowners

4348 Woodlands Boulevard, Castle Rock, CO 80104
WebsiteLicense: 54808

Expertise.com Rating

Review Sources

Google
4.0 (9)
Yelp
4.0 (4)

Why choose this provider?

CoWest Insurance Group is a homeowners' insurance provider that services the residents of Colorado Springs. The company also offers insurance plans for condominiums, townhomes, and rental properties. It has partnered with various carriers, including Travelers Insurance, Allied Insurance, The Hartford, and Safeco, and has been servicing the community for 75 years now. The firm has more than 50 highly skilled agents who are committed to providing excellent insurance products and services to clients.

  • Homeowners

540 Garden of the Gods Rd, Colorado Springs, CO 80907

Expertise.com Rating

Review Sources

Facebook
5.0 (23)
Google
5.0 (9)

Why choose this provider?

AION Insurance Consultants is in Colorado Springs, Colorado. It offers home insurance policies to landlords, homeowners, farmers, ranchers, and condo owners throughout the Colorado Springs area. To provide additional coverage for contents kept within the home, the company offers personal articles policies, as well. It works with a variety of insurance companies, including Progressive, Liberty Mutual Insurance, and Foremost Insurance Group. AION INsurance Consultants also offers life, auto, and health insurance options.

  • Multiple Policy Types
  • Homeowners

5025 Boardwalk Dr., Suite 100, Colorado Springs, CO 80919
WebsiteLicense: 87303

Expertise.com Rating

Why choose this provider?

Colorado Springs Insurance, Inc. is a full-service independent insurance agency that serves clients in the metro. Since 2013, it has been providing commercial general liability, workers' compensation, and homeowners' insurance products. The firm's agent and president, Heather Hoelting, has been in the industry for over 20 years. She assists owners of a wide variety of residential properties, such as vacation homes, condo units, rentals, and mobile dwellings, in getting the insurance policies suitable for their needs. Colorado Springs Insurance supports Respire Haiti.

  • Multiple Policy Types
  • Homeowners

4729 N Carefree Cir, Colorado Springs, CO 80917

Expertise.com Rating

Review Sources

Google
4.2 (5)

Why choose this provider?

Freedom Insurance Inc. is an independent insurance agency in Colorado Springs, Colorado. It offers homeowners insurance from several carriers for individuals and families in Colorado Springs, Pueblo, and Fountain. Insurance advisers explain comprehensive insurance options and help clients choose policies to cover property damage and account for specific risk factors. Agents also help clients design personal liability insurance policies to cover medical expenses, repairs, and other costs in case of a legal claim.

405 S. Cascade Ave #101, Colorado Springs, CO 80903
WebsiteLicense: 323964

Expertise.com Rating

Review Sources

Google
5.0 (45)
Facebook
5.0 (9)

Why choose this provider?

DC Insurers offers risk management assistance from its Colorado Springs location. Serving both residential and commercial clients, it provides a variety of protection plans such as homeowners' insurance, which covers property replacement costs. Optional coverages for sewer backup, ordinance changes, and service line connections may also be added. Nationwide, Liberty Mutual, and Progressive are some of DC Insurers' partner providers. It is headed by Veta Enright, who has been providing risk management solutions since 2010.

  • Condos

2950 N Academy Blvd Suite 100, Colorado Springs, CO 80917
WebsiteLicense: 36734

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (3)

Why choose this provider?

1 Source Insurance is a full-service agency that serves Colorado Springs by providing home, auto, life, and business insurance. Its home insurance is designed to protect clients' homes and additional structures from vandalism, theft, and damages caused by wind and hail. Its owner and broker, Michael Everson, reviews these coverages periodically to keep up with the changes in the client's plans. 1 Source Insurance sponsors several local organizations, including The Air Academy High School Band and the Barr Trail Mountain Race.

  • Multiple Policy Types

2930 Austin Bluffs Parkway #305, Colorado Springs, CO 80918
WebsiteLicense: 452347

Expertise.com Rating

Why choose this provider?

Brukhouse Insurance serves clients throughout Colorado Springs and the neighboring cities. It offers a wide variety of personal insurance products, including homeowners' insurance. It provides coverage options for extended structures, personal property, and roof replacements. Its team helps clients in deciding among carrier options and determining the level of coverage suited to their needs. The agency also provides auto, life, and business insurance plans. Dave Brukiewa, the principal of the agency, has been in the industry since 2005.

  • Multiple Carriers

1773 South 8th Street, Colorado Springs, CO 80905
WebsiteLicense: 186209

Expertise.com Rating

Review Sources

Google
4.0 (3)
Facebook
4.2 (1)

Why choose this provider?

Strategic Insurance Agency has been catering to the home protection needs and requirements of Colorado Springs residents for over a decade. Its team of expert insurance agents has over 60 years of combined experience and specializes in constructing personalized home insurance programs, whether they're for tiny homes or high-value properties. Their homeowners' insurance packages include dwelling replacement, "all-risk" coverage, and scheduled property protection. Clients may also obtain supplementary policies for identity theft, medical coverage, loss of use, floods, and earthquakes.

  • Renter's Insurance
  • Condos
  • Multiple Carriers

3355 American Dr Ste 100, Colorado Springs, CO 80917

Expertise.com Rating

Review Sources

Google
4.3 (23)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

WIN Insurance Agency in Colorado Springs, Colorado offers a variety of personal insurance products. Its home insurance policies are backed by top-rated carriers such as Nationwide and Progressive. Home insurance options are available to homeowners, renters, condo owners, and landlords. The company's agents are committed to finding its clients insurance policies that include the right amount of coverage for their needs at a reasonable price. WIN Insurance Agency also offers business, auto, and boat insurance.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

707 S Tejon St, Colorado Springs, CO 80903

Expertise.com Rating

Review Sources

Google
4.6 (9)

Why choose this provider?

O'Donnell Agency Inc. is an independent insurance agency serving homeowners and renters in the Colorado Springs, Colorado, metro area and throughout the state. The O'Donnell Agency works with a variety of providers, including Chubb, Foremost, The Hartford, Liberty Mutual, and Progressive. The agency offers comprehensive homeowners insurance policies covering real and personal property, liability, and medical and living expenses. O'Donnell also offers auto, condo, renters, boat, commercial property, and life insurance.

  • Renter's Insurance
  • Flood
  • Personal Property Insurance

7222 Commerce Center Dr Suite 220, Colorado Springs, CO 80919
WebsiteLicense: 363117

Expertise.com Rating

Review Sources

Google
4.5 (41)
Facebook
5.0 (10)

Why choose this provider?

Springs Insurance Brokers caters to Colorado Springs and the nearby communities. It helps clients protect their finances if disasters damage their residential properties and possessions and cause injuries to other people. Its homeowners' insurance also covers the clients' personal belongings, temporary living expenses, liability, and no-fault medical bills. It represents various insurance carriers, including Encompass, Progressive, Met Life, Nationwide, and Safe Co. Spring Insurance Brokers is a family-owned company that has been in business since 2000.

  • Homeowners

4740 Flintridge Dr Ste 115, Colorado Springs, CO 80918

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (2)

Why choose this provider?

Western Insurance Solutions provides home insurance to residents of Colorado Springs, Colorado, as well as those living in the Denver Metropolitan Area and throughout the state. It has insurance options available for homeowners, renters, condo owners, and landlords, all of which cover events such as fire, theft, and vandalism. While all natural disasters aren't covered by these policies, supplemental insurance can be purchased to include protection against floods and earthquakes.

  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
BIG Insurance Group LLC
5555 Erindale Dr Ste 205, Colorado Springs, CO 80918
Insurance Centers of America
2055 Anglo Drive Suite #200, Colorado Springs, CO 80918
CoWest of Colorado Springs
500 N Circle Dr Ste 201, Colorado Springs, CO 80909
Kortney Schultz
421 South Tejon Street, Colorado Springs, CO 80903
Cowest Insurance Group
4348 Woodlands Boulevard, Castle Rock, CO 80104
Aion Insurance Consultants
540 Garden of the Gods Rd, Colorado Springs, CO 80907
Colorado Springs Insurance, Inc.
5025 Boardwalk Dr., Suite 100, Colorado Springs, CO 80919
Freedom Insurance Inc.
4729 N Carefree Cir, Colorado Springs, CO 80917
DC Insurers
405 S. Cascade Ave #101, Colorado Springs, CO 80903
1 Source Insurance
2950 N Academy Blvd Suite 100, Colorado Springs, CO 80917
Brukhouse Insurance
2930 Austin Bluffs Parkway #305, Colorado Springs, CO 80918
Strategic Insurance Agency
1773 South 8th Street, Colorado Springs, CO 80905
Win Insurance Agency
3355 American Dr Ste 100, Colorado Springs, CO 80917
O'Donnell Agency Inc
707 S Tejon St, Colorado Springs, CO 80903
Springs Insurance Brokers
7222 Commerce Center Dr Suite 220, Colorado Springs, CO 80919
Western Insurance Solutions
4740 Flintridge Dr Ste 115, Colorado Springs, CO 80918

FAQs

  • 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 the average cost of homeowners’ insurance in Colorado Springs?

    The mean expense for home insurance among Colorado Springs residents amounts to $2,984 annually for a policy with $300,000 in dwelling coverage. The surge in wildfires and associated claims over the past years has impacted not only Colorado Springs but also other densely populated regions of Colorado. Consequently, obtaining home insurance has become more expensive in the state, with several insurers opting to discontinue offering coverage for homeowners in these localities.

  • How can Colorado Springs residents lower their homeowners’ insurance premiums?

    Installing smart home technology can assist Colorado Springs in reducing their insurance premiums by detecting smoke or carbon monoxide before it causes harm to their residences. In regions susceptible to wildfires, implementing fire escape techniques can avert the need for filing claims, potentially mitigating premium increases and lowering the risk of fire-related property damage.

  • What are factors influence homeowners’ insurance coverage in Colorado Springs?

    Some of the key factors that can influence homeowners' insurance coverage in Colorado Springs include property and liability exposures. Other factors include local laws, the age of structures, and the density of populations. It is important to note that different insurance companies may weigh these factors differently, leading to variations in quotes.

  • Why do mortgage companies in Colorado Springs require new home purchases to have hazard or homeowners’ insurance?

    Mortgage firms in Colorado Springs require hazard or homeowners' insurance for new property acquisitions, as they aim to safeguard their investment just as much as property owners do. In the event of unforeseen incidents, these mortgage firms understand that they can recover the value of their home loans. This requirement also helps homeowners determine the value of their homes based on the coverage that is required by the insurance company.

  • What are the different types of homeowners’ insurance coverage in Colorado Springs?

    The major types of home insurance coverage available in Colorado Springs consist of HO-1, which grants protection for several issues, such as theft, explosions, and civil commotion. Additionally, HO-2 coverage offers safeguards for homeowners against falling objects, the freezing of household systems such as HVAC and pipes, and harm caused by the pressure of ice, snow, or sleet. HO-3 policies are classified as open peril policies, which means that they cover all risks except for those explicitly outlined as exclusions in the policy records.

  • 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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