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2024

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Best Homeowners Insurance Agencies in Longmont, CO

Our Recommended Top 7

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 Longmont 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.

59Reviewed

38Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2362 Eagleview Circle, Longmont, CO 80504

Expertise.com Rating

Review Sources

Google
4.9 (57)

Why choose this provider?

Mountain Insurance is a Longmont-based insurance agency that has been helping clients find personal, business, and life insurance policies since 2002. The agency employs independent insurance agents who help clients acquire the right homeowners' insurance for their individual needs. Homeowners' insurance covers private residences, including the structure itself, its contents, and any potential liabilities that can occur on the property. Mountain Insurance represents carriers like Colorado Casualty, Kemper Insurance Companies, Acuity, and EMC Insurance.

  • Personal Property Insurance
  • Multiple Policy Types

1079 South Hover Street, Longmont, CO 80501

Expertise.com Rating

Review Sources

Google
4.8 (35)

Why choose this provider?

Bassett Insurance Group is a Colorado insurance firm catering to clients in Longmont and surrounding areas. It has been providing insurance products and solutions since 1923. It offers exhaustive homeowners' insurance plans authored by expert agents. Homeowners' insurance basic policy coverage includes the dwelling, personal belongings, and liability. Clients may avail of additional coverages such as service line coverage, valuable articles coverage, identity recovery coverage, and equipment breakdown coverage. Bassett Insurance Group is a Safeco independent agent and provides 24/7 customer service.

  • Renter's Insurance
  • Multiple Policy Types

1610 Hover Street, Longmont, CO 80501

Expertise.com Rating

Review Sources

Google
5.0 (91)

Why choose this provider?

1st American Insurance Agency - Longmont is a full-service company that offers commercial and personal insurance products, including homeowners' policies that financially protect one's house against unfortunate and unforeseen events. Using advanced software, its team of agents provides clients with several home insurance quotes in a matter of minutes. It works with multiple insurance companies such as Safeco, Travelers, and Encompass. Its goal is to help clients compare options and narrow down choices to find the policy that best suits their needs and preferences.

  • Multiple Policy Types

10 Ken Pratt Boulevard, Longmont, CO 80501

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (2)

Why choose this provider?

Adams Insurance Advisors is an insurance agency operating in the Longmont metro that covers personal, business, and agricultural insurance. The company offers homeowners' insurance plans that cover expenses from damage caused by fire, falling objects, theft, and disasters. Its policies cover main dwellings, detached structures, and personal belongings. It also includes homeowners' liability, which protects clients from untimely medical expenses in the event of an accident as well as loss of use.

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

436 Terry St, Longmont, CO 80501

Expertise.com Rating

Review Sources

Google
5.0 (91)
Yelp
5.0 (1)

Why choose this provider?

Jordan Martin - State Farm Insurance Agent has over 10 years of experience in the insurance industry, and he assists customers in Longmont with obtaining homeowners policies. Mr. Martin and his team work with several insurance carriers to help homeowners compare and find rates and specific plans that are best suited to their current needs. While plan specifics can vary, most homeowners insurance polices provide coverage for property damage due to fires, personal liability, and monetary loss due to theft and break-ins.

  • Personal Property Insurance
  • Multiple Policy Types

275 South Main Street, Longmont, CO 80501

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

TrueNorth Insurance and Financial Strategies is an insurance agency operating in the Longmont metro. The company provides insurance solutions and financial strategies that cater to both individual and business entities. It offers insurance plans that protect homeowners from the risk of having their properties damaged by natural disasters and losses (theft). It also has considerable experience insuring high-value contents such as rare items, valuable collections, and luxury goods in its scheduled personal property protection plans.

  • Flood
  • Condos
  • Renter's Insurance

255 Weaver Park Road, Longmont, CO 80501

Expertise.com Rating

Review Sources

Google
4.3 (10)

Why choose this provider?

Mary Lou Agency Inc. is an insurance agency in Longmont that helps clients secure their personal and business properties through insurance solutions. The company provides tailored insurance plans that financially protect homes and personal belongings from damage, accidents, and theft. It offers specialized plans depending on the client's needs and the property's risk for being damaged, lost, or stolen. Mary Lou Agency also offers life insurance as well as commercial auto insurance.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Mountain Insurance: Longmont
2362 Eagleview Circle, Longmont, CO 80504
Bassett Insurance Group
1079 South Hover Street, Longmont, CO 80501
1st American Insurance Agency - Longmont
1610 Hover Street, Longmont, CO 80501
aiainsures.com
10 Ken Pratt Boulevard, Longmont, CO 80501
Jordan Martin - State Farm Insurance Agent
436 Terry St, Longmont, CO 80501
TrueNorth
275 South Main Street, Longmont, CO 80501
Mary Lou Agency Inc.
255 Weaver Park Road, Longmont, CO 80501

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 of your dwelling limit can you usually allocate to structures not permanently attached to your house in Longmont?

    In Longmont, you can typically assign up to 10% of your dwelling limit to sheds, garages, sidewalks, driveways, fences, and other structures that are not permanently attached to your house. In certain cases, you may have the option to increase this allocation if your property requires more coverage. It's important to consult your insurance agent to assess your specific homeowners' insurance needs.

  • What measures does Longmont's local government implement to assist homeowners in flood-prone areas with their insurance-related needs?

    The local government in Longmont helps homeowners in obtaining a 25% flood insurance discount through active participation in the Community Rating System. Longmont's floodplain management efforts surpass the National Flood Insurance Program requirements, including public outreach, drainage maintenance, and hazard mitigation planning. This dedication has resulted in a CRS Class 5 rating, automatically entitling current and new flood insurance policyholders to the discount.

  • What is the average 12-month home insurance rate in Longmont?

    The average 12-month home insurance rate in Longmont, Colorado, is $2,145. Colorado homeowners insurance costs vary by city and are influenced by factors specific to each area. These factors can include the number of insurance claims filed in the vicinity, among others. Your ZIP code plays a significant role in determining the cost of your home insurance, as it reflects the unique characteristics and risks associated with your location.

  • Can college students in Longmont use their parents' homeowners' or renters' insurance to cover their belongings?

    Yes, college students in Longmont can use their parents' homeowners' or renters' insurance to cover their belongings, provided they are under 24 years old, enrolled in classes, and living in on-campus housing. Dependent college students are often covered for up to 10 percent of their parent's content coverage. However, independent college students in apartments should get their separate renter's insurance for their personal belongings.

  • 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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