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2024

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Best Homeowners Insurance Agencies in Lakewood, CO

Our Recommended Top 10

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 Lakewood 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.

96Reviewed

61Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1127 Auraria Parkway, Denver, CO 80204

Expertise.com Rating

Review Sources

Google
5.0 (283)
Facebook
5.0 (33)

Why choose this provider?

Denver Insurance LLC is an independent brokerage that represents the best interests of its clients. The company's licensed agents coordinate with multiple carriers to deliver personalized homeowners insurance packages. They evaluate individual situations to help ensure clients receive the appropriate protection for their dwellings and personal contents in addition to liability. Denver Insurance provides standard policies as well as separate coverage for floods and earthquakes. Its team also offers insurance options for condo owners and renters.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Carriers

2535 South Lewis Way, Lakewood, CO 80227

Expertise.com Rating

Review Sources

Google
4.8 (26)
Yelp
2.0 (1)

Why choose this provider?

Morrison Insurance Agency is dedicated to providing homeowners in Lakewood the coverage that best meets their needs. The independent agency represents multiple carriers and customizes individual policies to provide appropriate protection for the dwelling and contents as well as liability. Policies may insure for the replacement value of a home destroyed by a windstorm in addition to furniture, appliances, clothing, and jewelry. Other covered losses could include additional living expenses during the repair process.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

2084 South Milwaukee Street, Denver, CO 80210

Expertise.com Rating

Review Sources

Google
4.6 (12)

Why choose this provider?

Stailey Insurance Corporation has provided homeowners insurance options near Lakewood for more than 56 years. The independent agency's licensed professionals represent multiple carriers to deliver the options that best meet their clients' needs. They locate the standard coverage packages that protect the replacement value of the dwelling and contents in addition to providing liability in the event of a guest's accident while on the property. Stailey Insurance Corporation also works on behalf of condo owners and renters.

  • Multiple Policy Types

13701 West Jewell Avenue, Lakewood, CO 80228

Expertise.com Rating

Review Sources

Google
4.9 (30)
Yelp
4.0 (1)

Why choose this provider?

Kaufman Agency is a full-service independent company that delivers customized homeowners insurance options in Lakewood. Its licensed agents represent multiple carriers to provide the coverage that best meets their clients' needs and at competitive rates. They evaluate individual circumstances to help ensure the appropriate protection safeguards the replacement value of the dwelling and personal possessions in addition to securing liability coverage. Kaufman Agency also offers policy options for condo owners and renters.

  • Renter's Insurance
  • Condos

777 South Wadsworth Boulevard, Lakewood, CO 80226

Expertise.com Rating

Review Sources

Google
4.9 (37)
Facebook
5.0 (6)
Yelp
3.0 (2)

Why choose this provider?

Colling Insurance Services, Inc., is a full-service insurance company that has been serving Lakewood and nearby areas since 1957. Its independent agents help individuals and families select the right homeowners' insurance policy that matches their needs. They cater to several types of residential properties, including single-family homes, townhomes, and condominiums. Other services include auto, dental, life and health, long-term care, and commercial insurance. The company is a member of the Professional Independent Insurance Agents of Colorado.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

8906 West Bowles Avenue, 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 independent insurance agency servicing Lakewood and nearby areas. It financially safeguards homes and personal items from losses due to incidents such as natural disasters, fires, and theft. Homeowners' insurance also adds value to properties and maximizes potential savings. A Complete Insurance Agency counts as among its partners Safeco Insurance and Foremost Insurance Group in helping establish the appropriate coverage for clients, depending on their household or living situation.

  • Renter's Insurance
  • Multiple Policy Types

7175 W Jefferson Ave Suite 1250, Lakewood, CO 80235

Expertise.com Rating

Review Sources

Google
4.9 (11)

Why choose this provider?

Erwin Insurance Services is a Colorado-based independent insurance agency offering homeowners' insurance to residents of Lakewood and surrounding areas. Its homeowners' policies are structured by experienced agents who are proficient in ensuring that clients receive the best coverage for their needs and requirements. It also offers a selection of personal insurances, business insurances, auto insurances, and life insurances. Erwin Insurance Services is family-owned and family-operated, and has been providing services for more than 20 years.

  • Renter's Insurance
  • Multiple Policy Types

950 Wadsworth Boulevard, Lakewood, CO 80214

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (1)

Why choose this provider?

Schey Insurance Agency has provided homeowners with insurance options in Lakewood and the surrounding area for more than 45 years. The independent agency' professionals represent multiple carriers to deliver the customized products that best meet their clients' needs. They secure protection against damage from wind and hail as well as theft and vandalism. The company's team offers coverage for primary and secondary residences, personal property, jewelry, firearms, and collectibles. Schey Insurance Agency also delivers competitive plans to condo owners.

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

7807 West Mississippi Avenue, Lakewood, CO 80226

Expertise.com Rating

Review Sources

Google
4.5 (19)
Facebook
5.0 (2)

Why choose this provider?

Based in Colorado, Dodrill Insurance Inc. is an independent insurance agency catering to individuals in the Lakewood area. The agency was founded by Dales Dodrill in 1961. It provides homeowners' insurance coverage to families looking to protect their homes. The expert staff in the agency assists clients in structuring policies that provide the best coverage for their property security needs. Dodrill Insurance is licensed in over 20 states and works with more than 40 different insurance companies. The agency is involved with Feed My Starving Children and Denver Seminary.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

1970 Kipling Street, Lakewood, CO 80215

Expertise.com Rating

Review Sources

Google
4.9 (23)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Associated Agents Insurance has been serving the Lakewood metro area since 1946. The company helps private residence owners in choosing the right homeowners' insurance policy that can cover structural and personal property damages against disasters including hailstorms and wildfires. Its licensed agents also cater to clients with rental properties, townhomes, and condominiums. Other services include renters insurance and all types of personal and commercial insurance policies. In 2020, the company was recognized as one of the Top 25 Insurance Brokers in Denver by the Denver Business Journal.

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

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Denver Insurance LLC
1127 Auraria Parkway, Denver, CO 80204
Morrison Insurance Agency
2535 South Lewis Way, Lakewood, CO 80227
Stailey Insurance Corporation
2084 South Milwaukee Street, Denver, CO 80210
Kaufman Agency
13701 West Jewell Avenue, Lakewood, CO 80228
Colling Insurance Services
777 South Wadsworth Boulevard, Lakewood, CO 80226
A Complete Insurance Agency, Inc.
8906 West Bowles Avenue, Littleton, CO 80123
Erwin Insurance Services
7175 W Jefferson Ave Suite 1250, Lakewood, CO 80235
Schey Insurance Agency
950 Wadsworth Boulevard, Lakewood, CO 80214
Dodrill Insurance Inc.
7807 West Mississippi Avenue, Lakewood, CO 80226
Associated Agents Insurance
1970 Kipling Street, Lakewood, CO 80215

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.
  • How much is the price of standard homeowners' insurance in Lakewood?

    If you're a homeowner in Lakewood or anywhere else in Colorado, you can expect to pay an average of $2,152 per year for home insurance. This is significantly more than the national average of $1,428 and attributed to the area's volatile weather, which causes a combination of several of the state's most serious natural hazards, such as flash floods, wildfires, avalanches, tornadoes, lightning, and hail.

  • Do homeowners' insurance policies include coverage for theft in Lakewood?

    Yes. Standard homeowners' and renters' insurance policies provide coverage for stolen items in Lakewood, although there are certain limits specified within your policy. Be mindful that jewelry, antiques, and art often have particular dollar limits, which may be significantly lower than their actual monetary value. You may want to look into purchasing additional coverage for these items if you have them in your home.

  • Is homeowners' insurance required by law in Lakewood?

    No. In Lakewood and throughout Colorado, homeowners are not required by law to carry insurance to cover their home or their property from losses due to a storm or other hazard. Although, if there is a mortgage on the property, the lender will require insurance to protect the amount of money owed on the loan. While Colorado laws do not mandate this insurance, having it will provide peace of mind, as your investment will be protected.

  • Is it acceptable to renovate one's home in Lakewood while still keeping the same homeowners' insurance policy?

    Yes. However, it is crucial to check that your home insurance policy is up to date with the rising value of your property in Lakewood. Do not let your coverage level fall short of your home's new and updated value. In addition, review your current policy before starting any home improvement projects. This ensures that you have the appropriate coverage before work begins. Having liability and damage coverage from the start can help alleviate stress and safeguard your family against any potential damages.

  • Do homeowners' insurance policies require the customer to rebuild their home on the same property if it is completely destroyed in a wildfire in Lakewood?

    No. A law passed in June 2022 states that homeowners' insurance policyholders have the right to decide between rebuilding in a new location or buying an existing structure in the event of a total loss. If the policyholder chooses to relocate, the insurance provider must still reimburse the full loss amount. Moreover, they can replace their owner-occupied home at their current Lakewood address or a different location. When replacing the home, the cost should exclude the land value. Alternatively, clients can use the policy's proceeds to purchase a new residence without considering the land's value.

  • 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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