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2024

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Best Homeowners Insurance Agencies in Highlands Ranch, CO

Our Recommended Top 8

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 Highlands Ranch 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.

65Reviewed

42Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7383 South Alton Way, Centennial, CO 80112

Expertise.com Rating

Review Sources

Google
4.8 (210)
Facebook
5.0 (93)
Yelp
2.0 (3)

Why choose this provider?

Compass Insurance Group is an independent insurance agency that serves the Highlands Ranch area. Since opening in 2002, it has helped property owners find the right homeowners' insurance coverage by giving them options from many insurance carriers. Policies can either be basic or broad, meaning they cover named risks or all risks. The agency also offers clients auto and commercial insurance policies. Compass Insurance Group works with carriers like Acuity, Encompass, Foremost Insurance Group, Hagerty, Liberty Mutual Insurance, and MetLife.

  • Multiple Policy Types

5721 South Nevada Street, Littleton, CO 80120

Expertise.com Rating

Review Sources

Google
4.9 (65)
Facebook
5.0 (8)

Why choose this provider?

Lautenbach Insurance Agency is a team of insurance professionals operating in Highlands Ranch that offers insurance plans for personal and commercial requirements. The company covers homes and properties through its homeowners' insurance packages that protect from hazards like storms and floods, as well as injuries from pet bites and device-related accidents. Founded in 1950, the company is focused on delivering personalized solutions to clients based on their budget and needs.

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

66 Springer Drive, Highlands Ranch, CO 80129

Expertise.com Rating

Review Sources

Google
4.9 (18)
Yelp
5.0 (2)

Why choose this provider?

Laura Leier is an insurance agent with State Farm who maintains an office in Highlands Ranch. As a State Farm insurance agent and ambassador, she helps customers find the right homeowners' insurance policy to protect their homes and property investments from various incidents and potential losses. Laura also helps customers find the right auto insurance, business insurance, life insurance, health insurance, and even pet insurance. Laura Leier is a volunteer victim advocate in Arapahoe County.

  • Multiple Policy Types

66 Springer Drive, Highlands Ranch, CO 80129

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Jonathan Keith Dodd is a Farmers Insurance agent in Highlands Ranch. He meets with homeowners to find a fitting insurance plan to protect their houses from hefty repairs for accidental damage. This covers damages to the roof and the structure caused by natural disasters, falling objects, and criminal acts. He also covers clients' belongings like electronics and kitchenware, offering to reimburse for any theft or loss. Jonathan speaks both English and Spanish and caters to both individual and family homeowners.

  • Personal Property Insurance
  • Multiple Policy Types

1745 Shea Center Drive, Highlands Ranch, CO 80129

Expertise.com Rating

Review Sources

Google
4.7 (38)
Facebook
5.0 (12)
Yelp
3.5 (8)

Why choose this provider?

MountainStorm Insurance, LLC, caters to the insurance needs of clients in Highlands Ranch and throughout the region. The company provides insurance for different types of homes such as a traditional site-based house, apartment, or condominium. The standard homeowners' insurance policy includes property or dwelling coverage, personal property insurance, additional living expenses, personal liability coverage, and medical coverage. For specialized insurance needs, the client can opt for scheduled personal property coverage which offers a broader coverage for special possessions such as jewelry, antiques, or collectibles.

  • Renter's Insurance
  • Flood
  • Condos

8906 W Bowles Ave #110-F, Littleton, CO 80123

Expertise.com Rating

Review Sources

Google
3.8 (5)
Facebook
5.0 (1)

Why choose this provider?

A Complete Insurance Agency, Inc., is an insurance company based in Littleton, Colorado that provides insurance solutions to clients in the Highlands Ranch metro. The company caters to both personal and business needs and offers a comprehensive homeowners' insurance plan that protects properties and personal belongings from common hazards like natural disasters, theft, and fires. The insurance policy also covers homeowners' liability in the case of an accident or injury, which includes damage caused by pets.

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

1745 Shea Center Drive, Highlands Ranch, CO 80129

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

1st American Insurance Agency - Highlands Ranch is a full-service insurance agency that offers a variety of personal and commercial insurance products. With access to multiple carriers, it can give plenty of coverage options for individuals and businesses. Its homeowners' insurance policy protects assets against a variety of disasters and perils. The team uses the latest software to provide options from top companies and help clients select the right home insurance coverage.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

66 Springer Dr #215, Highlands Ranch, CO 80129

Expertise.com Rating

Review Sources

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

Why choose this provider?

Benchmark Insurance Agency, LLC, is a locally-owned independent agency serving homeowners and businesses in Highlands Ranch and the surrounding cities. The agency's insurance professionals aim to provide security for homeowners in case their home suffers damage from a fire, a hailstorm, or heavy snow buildup. They provide coverage for the homeowner's personal belongings and offer personal liability to cover expenses in case someone gets injured within the premises. They also offer auto insurance, life insurance, and business insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Compass Insurance Group
7383 South Alton Way, Centennial, CO 80112
Lautenbach Insurance Agency, LLC
5721 South Nevada Street, Littleton, CO 80120
Laura Leier - State Farm Insurance Agent
66 Springer Drive, Highlands Ranch, CO 80129
Jonathan Keith Dodd - Farmers Insurance Agent
66 Springer Drive, Highlands Ranch, CO 80129
MountainStorm Insurance, LLC
1745 Shea Center Drive, Highlands Ranch, CO 80129
A Complete Home & Auto Insurance Agency
8906 W Bowles Ave #110-F, Littleton, CO 80123
1st American Insurance Agency - Highlands Ranch
1745 Shea Center Drive, Highlands Ranch, CO 80129
Benchmark Insurance Agency, LLC
66 Springer Dr #215, Highlands Ranch, CO 80129

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 are the common types of coverage included in a homeowners insurance plan in Highlands Ranch?

    Most Highlands Ranch homeowners insurance policies will include dwelling coverage. This feature covers the costs of repairing or replacing your home's physical structure, such as the walls and roofing. Liability coverage is another common inclusion in a home insurance policy. This covers medical and legal expenses if someone is injured on your property. Personal property protection is another commonly included coverage that pays for any loss or damage to your personal belongings in the event of theft, fire, or other covered incidents.

  • What is the ideal amount of coverage for Highlands Ranch homeowners insurance?

    The amount that your Rialto homeowners insurance would cover is largely determined by your personal situation and circumstances. Many experts, however, recommend that you insure your home for at least 80% of its current market value, with personal property coverage ranging from 50% to 70% of the total value of your belongings.

  • Is homeowners insurance suspended if the policyholder leaves Highlands Ranch?

    No, homeowners insurance protects your home and personal belongings even when you are not in Highlands Ranch or where your property is located. If you take an insured item with you while traveling to another country and lose it, the home insurance policy should process your claim as long as the cause of the loss is covered by your policy.

  • If a Highlands Ranch homeowner rents out their basement, are the tenants covered by the former's home insurance policy?

    No, home insurance policies in Highlands Ranch generally cover the house, physical structures, such as walls and flooring, and the homeowner's personal liability. However, the coverage does not include tenants, their belongings, or liability. In such cases, tenants have the option of purchasing renters' insurance to protect their financial interests.

  • Do homeowners insurance plans in Highlands Ranch cover earthquakes?

    No, the majority of standard homeowner's insurance policies will not pay for repairs to a home damaged by an earthquake in Highlands Ranch. However, you can safeguard yourself against earthquake destruction by including an earthquake rider in your insurance plan. This additional coverage is usually inexpensive because earthquakes are rare in Colorado.

  • 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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