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2024

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Best Homeowners Insurance Agencies in Westminster, 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 Westminster 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.

68Reviewed

42Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8181 Arista Place, Broomfield, CO 80021

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Colorado Insurance Shop is a homeowners insurance agency near Westminster that assists clients as they purchase policies. It offers coverage by a variety of carriers such as Progressive, SafeCo, and The Hartford, and it works to help clients purchase protection for dwellings and any personal items inside. Clients are able to view a multitude of quotes offered by several providers and select the ones that best serve their needs. Auto insurance is also available.

  • Multiple Carriers
  • Multiple Policy Types

6810 North Broadway, Denver, CO 80221

Expertise.com Rating

Why choose this provider?

Schomburg Insurance serves the Westminster metro area, providing homeowners insurance products to protect customers from financial losses when natural disasters and other incidents occur. This agency also offers insurance to landlords and renters and can insure vacant property too. Its policies typically cover structures, personal items, and any liabilities and can be customized to provide flexible coverage options to clients. Schomburg Insurance also insures automobiles and offers life insurance policy products.

  • Renter's Insurance
  • Multiple Policy Types

4350 Wadsworth Boulevard, Wheat Ridge, CO 80033

Expertise.com Rating

Review Sources

Google
4.9 (77)
Facebook
5.0 (1)

Why choose this provider?

Prince Insurance Group is active in the Westminster metro area and sells homeowners insurance policies. It sells policies that cover a wide variety of scenarios in case properties are damaged by things such as water, lightning, smoke, or natural disasters. This company offers tailored services to each client, helping them to purchase policies that fit their budgets and their needs. Prince Insurance Group can also cover personal property and pieces of jewelry. Many other kinds of personal and business insurance services are available as well.

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

8690 Ralston Road, Arvada, CO 80002

Expertise.com Rating

Review Sources

Google
4.6 (31)
Facebook
5.0 (3)

Why choose this provider?

Leeper Insurance Agency, Inc., offers commercial and personal insurance lines in Westminster. Founded in 1961, this agency helps homeowners safeguard their properties and belongings through appropriate home insurance coverage. Homeowners liability policyholders receive compensation in injury claims due to unsafe property conditions, including floor hazards and poor lighting. This type of insurance also covers liability defense and medical bills for personal injury liabilities. Leeper Insurance Agency, Inc., also provides combined auto and home insurance options.

  • Renter's Insurance
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Colorado Insurance Shop
8181 Arista Place, Broomfield, CO 80021
Schomburg Insurance
6810 North Broadway, Denver, CO 80221
Prince Insurance Group
4350 Wadsworth Boulevard, Wheat Ridge, CO 80033
Leeper Insurance Agency, Inc.
8690 Ralston Road, Arvada, CO 80002

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.
  • Is homeowners insurance mandatory in Westminster?

    No legal obligation exists for homeowners in Westminster to possess insurance for their home or property in case of storms or other hazards. However, if a mortgage is in place, the lender commonly mandates insurance to safeguard the loan amount. This gives homeowners in Colorado an advantage, as they possess greater control over the insurance they select and the extent of coverage they opt for.

  • Does homeowners insurance in Westminster cover maintenance problems?

    Homeowners insurance does not cover damage caused by maintenance problems in Westminster, including mold and pest infestations, plumbing backups, appliances dying, and roof leaks. This is because insurance companies presume homeowners will responsibly maintain their property and possessions. To enhance coverage, homeowners can add options like equipment breakdown or water backup to their policies.

  • What is the maximum number of claims allowable on a homeowners policy in Westminster?

    Typically, those who have not filed over one non-catastrophic loss claim in three years and lack liability losses during that period might stay eligible for home coverage in Westminster. However, making two claims in five years could increase the cost of insurance and making more than two claims in five years could make it more challenging for someone to acquire coverage.

  • Do home insurance claims in Westminster remain on someone's record?

    Claims for policies in Westminster including home insurance often stay on a national property claim database called the Comprehensive Loss Underwriting Exchange for five to seven years. Should an insurance firm observe that policyholders have numerous claims in their history, they could opt to increase their rates or decline to provide coverage at all.

  • What advantages come from combining home insurance with auto insurance in Westminster?

    Some of the advantages of bundling home and auto insurance in Westminster are the following:

    • Cost savings: Combining policies often leads to discounts, lowering overall insurance costs through multi-policy benefits.
    • Simplified management: Dealing with one insurer for both coverages streamlines admin tasks, reduces accounts, and offers a single point of contact.
    • Expanded coverage choices: Bundling encourages policy combinations beyond home and auto, making it simpler to get comprehensive coverage for items like cars, homes, rentals, boats, and RVs under one policy.
  • 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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