Loveland Homeowners Insurance

Your Complete Guide to Loveland, CO, Homeowners Insurance

When you need a local agent

Loveland Colorado homeowners insurance

Loveland, CO, is known for the nearby iconic backdrop of the Rocky Mountains. This town is labeled the Sweetheart City due to its valentine remailing program. Home to ski resorts and beautiful scenery, it is a great place to lay down roots.

When you're among one of the 76,701 residents who own a home in Loveland, you'll need coverage. An independent insurance agent has access to several markets, giving you options. Connect with a local adviser to get started with your policy search. 

Does Your Loveland, CO, Airbnb Have the Right Policy?

When you're the owner of a short-term rental property, you'll need specific coverage. Airbnbs are popular these days but aren't always insured correctly. To have protection for your exposures, you'll need landlord insurance

A landlord policy will cover your interests as the owner and the risk of having third-party revolving tenants. The best way to get insurance is through a local expert. Find a Loveland independent agent for coverage options.

Does Your Loveland, CO, Home Have Coverage for a Catastrophe?

If you want insurance for all the what-ifs, your home policy needs to be prepared. Fortunately, a local adviser can help review your coverages for gaps. Take a peek at the top exposures in Loveland, CO:

  1. Wildfires and residential fires
  2. Flooding and water damage
  3. Severe storms and lightning damage
  4. Heavy snow
  5. Burglary and other property crimes

Sometimes you can't avoid catastrophes and natural disasters, but you can be proactive. One item that is not covered under your primary home policy is flood damage. For that, you'll need separate flood insurance. Speak with a Loveland independent agent for more details. 

Does Your Loveland, CO, Home Policy Have Coverage for a Burglary?

Your home insurance should have coverage for a burglary. To be sure you have the right policy in place, get a professional's opinion. In the meantime, check out the burglaries per 100,000 households below:

  • National average: 376.0
  • Colorado average: 375.2
  • Loveland average: 241.7

You'll want to have adequate protection for your personal property when stolen. Medical expenses are another big item you'll need to have enough coverage for if the worst should happen. Talk with a Loveland independent agent to review. 

Your Home's Liability Protection in Loveland, CO

Liability insurance is one of the most used coverages on your policy. It will protect against a variety of losses. When a lawsuit arises, liability coverage will defend the members of the house against the following:

  • Bodily injury to others
  • Property damage to others

When your home's liability limits aren't enough, you'll need some extra assistance. Umbrella insurance will provide additional coverage when a more substantial loss occurs, and your underlying policy is exhausted. Connect with a Loveland independent agent for quotes.

How You Can Save on Your Loveland, CO, Home Insurance

An independent agent will know the ins and outs of discounts and how to lower premiums. There are things you can do to get the most coverage for the lowest price. Let's look at the average homeowners premium:

  • National average: $1,211
  • Colorado average: $1,495

When you want the best rates, you may have to improve some things. The areas you have control over will be an excellent place to begin. Below are a few items you can review to get you started:

  • Improving your credit score
  • Filing fewer insurance claims
  • Updating your roof, electrical, plumbing, or heating

Another way to save is to bundle your home and auto insurance with the same carrier. This will award you a 30% or more discount on coverage. Talk with a local independent agent for more ways to cut costs.

How to Connect with a Loveland, CO, Independent Insurance Agent

In 2016, Colorado paid out $21,745,328,000 for property damage claims. That could be a large expense when you're not properly insured. An independent insurance agent can help.

They have access to several carriers, giving you options on coverage and price. An independent agent works on your behalf at zero cost to you, saving you time. Connect with a local expert on TrustedChoice.com to get the lowest premium in town.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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