Last updated:

Best Homeowners Insurance Agencies in Pueblo, 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 Pueblo 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

1325 South Prairie Avenue, Pueblo, CO 81005 Rating

Why choose this provider?

Founded more than 70 years ago, Colorado Farm Bureau Insurance helps clients in the Pueblo area obtain an insurance product that protects the home from the destruction caused by certain perils like theft or fire. Its real estate agent, Rob Keiffer, also provides personalized auto, farm, life, and ranch insurance plans. He helps clients select products that effectively minimize risk and protect their overall financial health. Colorado Farm Bureau Insurance is a partner of Farm Bureau Colorado, as well as Farm Bureau Banking.

  • Multiple Policy Types
  • Condos
  • Renter's Insurance

123 W 12th St, Pueblo, CO 81003 Rating

Review Sources

5.0 (436)
5.0 (12)
5.0 (1)

Why choose this provider?

Main Street Independent Insurance Agencies, Inc. was founded in 2011 and has offices in Pueblo. They provide homeowners insurance that covers replacement of personal property and possessions, cost of repairing or rebuilding a home, additional living expense, and liability protection. Additional coverage options, such as coverage for valuables and inflation protection, can be included in the policy. To be able to serve the unique insurance needs of the clients, Main Street Independent Insurance Agencies, Inc. maintains partnerships with more than a dozen insurance companies.

  • Multiple Policy Types

2099 Highway 50 West, Pueblo, CO 81008 Rating

Review Sources

3.8 (10)
5.0 (7)
1.0 (1)

Why choose this provider?

The Insurance House is a family-owned insurance agency that offers personal and commercial insurance solutions in the Pueblo metro and surrounding areas. It has been in business for two decades and has a diversified team of agents that offer various insurance policies depending on budget, needs, and risks. The company provides homeowners' insurance policies that cover properties (dwelling units, garage, sheds, etc.) and liability (legal responsibility for damage caused). This can then be expanded to cover other things such as personal belongings.

  • Renter's Insurance
  • Multiple Policy Types

1004 South 9th Street, Canon City, CO 81212 Rating

Review Sources

5.0 (7)

Why choose this provider?

Dennis Podzemny State Farm Insurance Agent serves clients in Pueblo. This agency specializes in home and other personal insurance products. It provides help with selecting the right policy inclusions, as well as assistance with policy bundling, claims, and policy changes. Agent Dennis Podzemny has been in the insurance industry for more than 15 years. He has qualified for several State Farm awards and honors. This agency also sells annuities and mutual funds.

  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Colorado Farm Bureau Insurance
1325 South Prairie Avenue, Pueblo, CO 81005
Main Street Independent Insurance Agencies, Inc.
123 W 12th St, Pueblo, CO 81003
The Insurance House, Inc.
2099 Highway 50 West, Pueblo, CO 81008
Dennis Podzemny - State Farm Insurance Agent
1004 South 9th Street, Canon City, CO 81212


  • 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 guaranteed replacement cost coverage, and should you consider adding it to your Pueblo homeowners' insurance policy?

    Guaranteed replacement cost coverage is an endorsement meant to protect you from rising construction costs. The insurer will pay for the difference between the amount you insured your house for and the current cost of rebuilding your home should you suffer a total loss. Basically, there is no coverage limit. This endorsement is something you should consider as Pueblo and the rest of Colorado are projected to have increased wildfire risks, according to a report from the First Street Foundation.

  • What does it mean if your homeowners’ insurance policy in Pueblo is based on actual cash value versus replacement cost?

    If your policy insures your property based on actual cash value, it means that if a personal belonging in the house gets damaged, you will be reimbursed for its cash value minus depreciation. If you lost your 10-year-old TV after a wildfire passed through Pueblo, you will be paid the value of a 10-year-old TV instead of a brand-new TV. On the other hand, being insured based on replacement cost means you will be paid for what it costs to replace your TV with a new one of similar quality and kind.

  • Do homeowners’ insurance policies in Pueblo cover explosions?

    Yes, explosion-related losses are covered by homeowners’ insurance policies in Pueblo. However, the insurance will not cover damages if the explosion was not accidental, such as in the case of a terrorist attack or when someone in your home used unauthorized substances causing the explosion. Your homeowners' insurance policy will protect you if you had a gas leak or if it was your neighbor who set off the explosion using unauthorized chemicals.

  • How soon should the insurer notify you if they are canceling or can no longer renew your homeowners’ insurance policy in Pueblo?

    Colorado’s House Bill 1174 requires homeowners’ insurance providers in Pueblo to give the policyholder a written notice 60 days before the cancellation or non-renewal. An exception exists for cases of cancellation or non-renewal that are due to non-payment of premiums. Prior to HB 1174’s passing, the required notice period was only 30 days.

  • What discounts are usually offered by homeowners’ insurance agencies in Pueblo?

    You can usually get a price reduction on your homeowners’ insurance policy if you buy another policy like auto insurance from the same carrier. Some insurance agencies in Pueblo would also offer discounts if you choose to have your home's old roof replaced or upgraded. Another common way to get a price slash on your policy is to have theft-deterrent features installed in your home, such as upgraded locks or a monitored home security system.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.