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Best Homeowners Insurance Agencies in Thornton, 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 Thornton 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

12041 Pennsylvania Street, Thornton, CO 80241 Rating

Review Sources

4.3 (9)
3.5 (3)

Why choose this provider?

Quinn McCoy - State Farm Insurance Agent serves clients in and around Thornton by providing homeowners' insurance. With more than a decade of experience, Mr. McCoy's insurance agency provides insurance policies that protect properties from vandalism, theft, fire, natural emergencies, and other unfortunate occurrences. In addition, Mr. McCoy also offers certain niche insurance products, such as classic car and antique automobile insurance, as well as financial services and out-of-state vehicle transfers.

  • Personal Property Insurance
  • Multiple Policy Types

12520 Eastlake Drive, Thornton, CO 80241 Rating

Review Sources

4.8 (83)
5.0 (24)
3.0 (2)

Why choose this provider?

Based in Colorado, Horizons Insurance, Inc has been providing insurance products and services for 21 years. It offers exhaustive homeowners' insurance policies to residents of Thorton and surrounding areas. Its homeowners' insurance plan includes building and detached private structure coverage, a standard home policy, named-perils coverage, all-risk contents, additional living expenses, and personal liability. It also provides a variety of property insurance policies for different types of homeowners, including vacant property insurance, mobile home insurance, and renters' insurance. Auto insurances and credit repair services are also available.

  • Renter's Insurance

9177 East Mineral Circle, Centennial, CO 80112 Rating

Why choose this provider?

Colorado Farm Bureau Insurance is an agency near Thornton that handles several kinds of insurance, including homeowner's insurance. This company has been in business in the area for more than 70 years. It started as a way to expand homeowner's insurance access to farmers and ranchers. It offers farm and ranch, automobile, life, business, and banking insurance in addition to traditional homeowner's insurance. Colorado Farm Bureau Insurance also participates in community events, such as food donations to local charities.

  • Flood
  • Multiple Policy Types
  • Condos

2090 East 104th Avenue, Thornton, CO 80233 Rating

Review Sources

5.0 (191)
5.0 (9)
5.0 (4)

Why choose this provider?

Leinweber Insurance Agency is an independent homeowners insurance agency in Thornton with access to more than 40 insurance companies. Brody Leinweber started the agency in 2010 to create a better insurance customer experience. This agency also handles life, auto, and business insurance. Its agents, who are salaried and don't receive commissions, strive to maintain a pressure-free environment. Leinweber Insurance Agency offers quotes from multiple insurance companies to give customers the best rates.

  • Renter's Insurance
  • Flood
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Quinn McCoy - State Farm Insurance Agent
12041 Pennsylvania Street, Thornton, CO 80241
Horizons Insurance Inc.
12520 Eastlake Drive, Thornton, CO 80241
Colorado Farm Bureau Insurance
9177 East Mineral Circle, Centennial, CO 80112
Leinweber Insurance Agency
2090 East 104th Avenue, Thornton, CO 80233


  • 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 coverages included in a homeowners' insurance policy in Thornton?

    Homeowners' insurance policies in Thornton include medical payments to others, personal property and liability, and dwelling coverage. It also covers the payment for additional living expenses and protection for other structures not attached to the primary residence. In addition, homeowners may add optional coverages, such as personal injury, excess liability, and high-value property.

  • Where can you file a complaint against an insurance provider in Thornton?

    You can file an insurance complaint through the Colorado Division of Insurance consumer portal at You can also mail a completed complaint form to the DOI's office at 1560 Broadway, Suite 850, Denver, CO 80202. For further inquiries, call 303-894-7499 or 1-800-930-3745 or email The Colorado Division of Insurance regulates insurance companies, agencies, and agents in Thornton.

  • Do homeowners' insurance policies in Thornton cover your home from natural disasters?

    In Thornton, damage to property caused by natural disasters, such as floods and earthquakes, is not covered in standard homeowners' insurance policy. If you live in a flood-prone area, you should consider buying flood insurance. You may also purchase earthquake insurance separately to cover damage caused by a naturally occurring earthquake. Additionally, property damage caused by hail or wind storms and tornadoes is covered by a standard homeowners' insurance policy.

  • Is it necessary to annually review your homeowners' insurance policy in Thornton?

    Yes. You should annually review your homeowners' insurance policy in Thornton to ensure that you, your loved ones, your property, and your possessions are adequately protected when unexpected incidents happen. An annual review may also result in insurance cost reduction if you require less coverage than before. In addition, you should inform your insurance provider and increase your policy limits if you have home additions or improvements.

  • What are the factors that affect homeowners' insurance costs in Thornton?

    Some factors that affect the cost of homeowners' insurance in Thornton are the following:

    • Size of the house and additional structures.
    • Building costs and crime rates in the area.
    • Home features, construction, and materials.
    • Condition of the electrical, heating, and plumbing systems.
    • Likelihood of property damage due to disasters.
    • Accessibility to a fire station and a fire hydrant.
    • Homeowner's credit and claim history.
  • 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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