Homeowner's Insurance
Protect the most important investment of your life with quality and affordable home owner’s insurance. I worked in mortgage servicing for 17 years before becoming an insurance agent, so I understand the importance of having the correct coverage on your asset.
Homeowner’s Insurance You Can Count On
Your home is more than just a house—it’s where life happens. At Hurl & Hurl, we get that protecting it shouldn’t feel complicated or out of reach. As your friendly, local insurance broker, we’re here to find you the right Homeowner’s Insurance coverage at a price that fits your budget.
Why Homeowner’s Insurance Matters
From unexpected storms to accidental mishaps, life can throw curve balls. Homeowner’s Insurance steps in to safeguard your property, your belongings, and your peace of mind. Whether it’s repairs after a leaky roof or replacing valuables after a break-in, we’ve got your back—so you can focus on what matters most.
What’s Covered?
Every home is unique, and so are your needs. We’ll work with you to tailor a policy that fits. Typical coverage includes:
- Dwelling Protection: Repairs or rebuilding if your home is damaged by fire, wind, or other covered events.
- Personal Property: Replacement for items like furniture, electronics, or clothing if they’re stolen or destroyed.
- Liability Coverage: Protection if someone’s injured on your property and you’re held responsible.
- Additional Living Expenses: Help with temporary housing if you can’t stay in your home after a covered loss.
Plus, we can explore extras like flood or additional rider coverages if it is a fit for your personal situation!
David helped me get insurance for my nonprofit business Make Mental Health Matter. I had no idea what the heck I was doing or what I needed specifically other than something to cover events and our office. David made it so easy and explained all the things when I had a bunch of questions. Highly recommend. Thanks so much David!Make Mental Health Matter
I spoke with David about moving over my business and personal coverages. Out of the four agents I spoke to he was far and away the most responsive and on top of it. Highly recommend reaching out to Hurl and Hurl, specifically David, and remember cheap insurance savings fade fast when you actually need it as we learned with our previous insurer.Everett Lennon
After years without insurance or a driver's license, David made it possible within minutes. Now I can progress upwardly in my career. Most of all I was not made to feel like a criminal or ashamed of my situation. Thank you a thousand times!Rebecca O'Connor
David has been a pleasure to work with. He was very thorough in looking over my business policy and helping my business save money. I highly recommended David and team!Danny Kolb
Average Cost of Homeowners Insurance in Lakewood, CO
The average homeowners insurance premium in Lakewood is around $2,864 per year for $300,000 in dwelling coverage (based on recent data). At Hurl & Hurl, we shop multiple carriers to find you rates as low as possible, often saving clients 20-30%
Tailored Insurance Services
Independent Insurance Broker serving Colorado, Iowa, Kansas, Oregon, Texas, Washington and Wyoming. “Insurance that won’t make you Hurl.”
Tailored Homeowners Insurance for Lakewood Residents
At Hurl & Hurl Insurance Agency, we understand that homeowners insurance in Lakewood, CO needs to go beyond the basics to address our unique local challenges. As a suburb nestled in Jefferson County near the Denver foothills, Lakewood faces elevated risks from Colorado's unpredictable weather and urban environment.
- Hailstorms: Colorado ranks second in the nation for hail insurance claims, and Lakewood is no exception. Recent storms have caused widespread property damage, leading to higher premiums and the need for robust coverage. We recommend policies with hail-resistant endorsements to protect your roof and siding.
- Wildfires: With over 318,000 properties statewide at moderate or high wildfire risk (including parts of Jefferson County), Lakewood's proximity to high-risk areas like the foothills demands specialized protection. Our tailored plans include options for wildfire mitigation credits and extended replacement cost coverage to rebuild if disaster strikes.
- Urban Theft and Liability: Lakewood's close ties to Denver mean higher risks from urban theft and break-ins. We offer enhanced personal property coverage and liability options to safeguard your belongings and provide peace of mind in family-friendly neighborhoods.
- Flood and Other Add-Ons: While not as common as hail or fire, areas like Belmar Park can experience urban flooding from heavy rains. We can add flood insurance riders or water backup coverage to ensure comprehensive protection against Colorado's severe weather events.
Our independent brokers shop from top-rated carriers to customize homeowners insurance in Lakewood, CO that fits your home's location and value—often saving you money while covering these local perils. Contact us for a free quote tailored to your Lakewood address!
