Longmont Insurance Agency
Longmont sits in Boulder County out on the plains, and we insure homes across all of it, from the historic houses of Old Town near Main Street and the New Urbanist streets of Prospect to Southmoor Park, Clover Basin, Fox Hill, and the newer subdivisions on the edges of town. The St. Vrain River flood of 2013 hit Longmont hard, Front Range hail is a yearly event, and Old Town's older homes bring their own coverage questions. As an independent agency, we shop more than 100 carriers for our neighbors.
Your local independent agency
We are an independent agency out of Littleton serving Longmont and Boulder County. Two things set Longmont apart: the St. Vrain River flood exposure the city learned about the hard way in 2013, and a historic Old Town core where rebuild cost and ordinance-or-law coverage matter. Add the usual Front Range hail, and these are the pieces we get right for the home you actually own.
- A local independent agent: you work with us directly, not an out-of-state call center, and we know the carriers writing Longmont and Boulder County.
- St. Vrain flood exposure: the 2013 flood put much of Longmont's risk in plain view; flood is never covered by a home policy, so we quote it separately and confirm your zone.
- Old Town historic homes: older homes near Main Street need accurate rebuild cost and ordinance-or-law coverage so a loss does not leave you paying to meet current code.
- Front Range hail: Longmont catches the same hail cycle as the rest of the metro; we set roof terms and quote a wind-hail buydown when the deductible bites.
- Newer subdivisions and HOAs: Prospect, Clover Basin, and the edge-of-town communities often answer to an association, so we read the master policy and fill the exact gap it leaves.
See the coverage we place right here in Longmont: homeowners, auto, flood, HOA and condo, wind and hail buydown, and umbrella.
We know Longmont
From Old Town and Prospect to Southmoor Park, Clover Basin, and Fox Hill, we know how Longmont homes are built and insured. When you call, you reach a local agent who knows the neighborhoods, the carriers, and the claims process, not an out-of-state queue.
Flood is separate
The 2013 St. Vrain flood showed how real Longmont's flood exposure is, and flood damage is never covered by a standard home policy. We quote flood on its own, confirm whether your home is in a FEMA flood zone, and make sure a property near the river or in a low-lying area is actually protected.
Old Town and the roof
Longmont catches the Front Range hail cycle, and Old Town's older homes add rebuild-cost and ordinance-or-law questions on top. We set roof terms, quote a wind-hail buydown when the deductible is steep, and make sure an older home is covered to rebuild to current code.
Longmont insurance FAQs
Are you a local Longmont agent?
We are an independent agency based in Littleton at 2629 W Main St, Suite 150, serving Longmont and Boulder County. You work with a local independent agent rather than a national call center, and we know the carriers writing the St. Vrain valley.
Is flood covered by my Longmont home insurance?
No. Flood is never covered by a standard homeowners policy, and the 2013 St. Vrain River flood showed how real that exposure is in Longmont. We quote flood separately, confirm whether your home is in a FEMA flood zone, and make sure a property near the river or in a low-lying area is actually protected.
I own an Old Town historic home. What should I watch for?
Older homes near Main Street need accurate rebuild cost and ordinance-or-law coverage, which pays to bring an older home up to current building code after a covered loss. Without it, you can be left covering code upgrades yourself. We set the right rebuild number and add the coverage these homes need.
Does Longmont get hail like the rest of the metro?
Yes. Longmont catches the same Front Range hail cycle as Denver and Boulder. Roof age and how your policy pays for a roof drive both premium and claims, so we review them first and quote a wind-hail deductible buydown when yours is steep.
How does my HOA affect my home insurance in Longmont?
Newer Longmont communities like Prospect and Clover Basin often have a master policy that covers shared structures and, on attached homes, the building shell, but not your interior, belongings, or personal liability. Townhomes and condos need a walls-in HO-6, while a single-family home carries the full policy. We read your association documents and fill the exact gap without paying twice.
How do I get a quote from a local agent?
Start the quote online or call our Littleton office. We shop more than 100 carriers, compare them for your Longmont address, and walk you through the coverage that fits, with no out-of-state call center in between.
Get a Longmont insurance quote
Your local independent agency shopping more than 100 carriers for Longmont and Boulder County.