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 is wonderful to work with. He is an expert in his field and gets creative to help solve insurance problems you may be running into. He has been great for me!Rachel Ozimek
David has been great to work with. He helped me with my business insurance and saved me money from the previous company I was with. He was very efficient and took the stress out of keeping my business compliant with insurance. I highly recommend David!Kalea Kulbe
If you want to talk to someone and be able to tell by the sound of their voice that they care about what they are doing then you should definitely give David Hurl a call.Andrew Page
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
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!
