Longmont's Best Protection Package: Save 25% on Home + Auto Coverage
Longmont faces unique risks from severe hail to wildfire exposure. Our bundled packages exceed Colorado's minimum requirements with comprehensive coverage tailored to protect your Longmont home and vehicles.
Trusted by Longmont Neighbors Since 1992
Our local experts understand Longmont's unique insurance needs, from Left Hand Creek flood zones to the hail-prone areas near Diagonal Highway.
4.9/5 Stars
Google Reviews from real customers
97% Retention Rate
Fort Collins families and businesses protected
Independent
We work for you, not insurance companies
Local
Fort Collins owned & operated since 1992
Bundle Protection as Essential as Longs Peak is to Longmont's Skyline
Longmont's combination of severe weather, growing property values, and Colorado's minimal auto requirements make bundled coverage your strongest financial defense.
When Hail Strikes Prospect New Town
Last May, when 2-inch hailstones pummeled southwest Longmont, the Johnson family was grateful for their bundled policy. Both their roof and vehicles sustained damage during the same storm. With a single deductible instead of separate ones for home and auto, they saved over $1,500 in out-of-pocket costs. Their comprehensive bundle meant one claim process, one adjuster, and faster repairs—getting them back to enjoying summer at Union Reservoir without financial stress.
Navigating Winter on Ken Pratt Boulevard
The Garcia family learned the value of proper coverage after an icy accident on Ken Pratt Boulevard last winter. When another driver slid through an intersection and collided with their SUV, they discovered the at-fault driver only carried Colorado's minimum liability coverage ($15,000 for property damage)—far below the $32,000 in damage to their vehicle. Their bundled policy's uninsured/underinsured motorist coverage and seamless claims process meant they weren't left paying the difference, and they received a loaner vehicle within hours.
From Blue Mountain Vista to Peace of Mind
The Williams family in western Longmont's Blue Mountain Vista neighborhood knew their home's location came with wildfire risk. Their bundle included enhanced dwelling coverage with extended replacement cost and specialized wildfire defense services. When evacuation orders came during last year's fire season, their policy covered their hotel stay while their wildfire defense service created defensible space around their property. Both their home and vehicles were protected under one comprehensive plan that understood the specific threats facing western Longmont neighborhoods.
Build Your Protection
Every coverage serves a purpose. Here's what each one actually does for you.
Comprehensive Auto Coverage
What it covers: Protection against Longmont's frequent hailstorms, theft, vandalism, fallen tree damage, and other non-collision incidents affecting your vehicles.
Why it matters in Longmont: With 68 radar-confirmed hail events in the past year and some of Colorado's largest hailstones (up to 2 inches), standard coverage isn't enough. Areas near Diagonal Highway and Highway 66 face particularly high hail risks.
Local considerations: Our comprehensive coverage includes Longmont-specific endorsements that waive depreciation on hail damage repairs, ensuring your vehicles are restored to pre-storm condition without additional out-of-pocket costs.
Dwelling Coverage with Extended Replacement
What it covers: Protection for your home's structure with additional buffer above your home's insured value to account for Longmont's rising construction costs.
Why it matters in Longmont: With median home prices at $588,500 and rising construction costs, standard replacement coverage often falls short after a major loss. Western neighborhoods like Blue Mountain Vista require additional protection against wildfire risks.
Local considerations: Our policies include compliance with Longmont's updated wildfire mitigation requirements, including defensible space creation and ember-resistant vent installation. Homeowners in areas like Prospect New Town with unique architectural features receive specialized valuation to ensure proper coverage.
Personal Property Coverage
What it covers: Protection for your belongings against theft, damage, and destruction, with options for replacement cost coverage instead of depreciated values.
Why it matters in Longmont: The average Longmont household owns $75,000+ in personal property, but most underestimate their needs by 40%. Special coverage is crucial for technology equipment owned by employees of Longmont's tech sector (including Seagate Technology).
Local considerations: Our policies include higher sub-limits for sporting equipment (particularly important for Longmont's active outdoor community), electronics, and specialized coverage for home office equipment given the high percentage of remote workers in neighborhoods like Prospect New Town.
Enhanced Auto Liability
What it covers: Financial protection beyond Colorado's minimum requirements when you're responsible for an accident causing injury or property damage.
Why it matters in Longmont: Colorado's 25/50/15 minimums ($25,000 for injuries per person, $50,000 per accident, $15,000 property damage) fall significantly short of actual accident costs. With Longmont's busy intersections along Ken Pratt Boulevard and Main Street experiencing 300+ accidents annually, proper protection is essential.
Local considerations: Our enhanced liability includes stacking of uninsured motorist coverage (permitted under Colorado law), critical for Longmont where 14% of drivers are uninsured. We also include higher coverage limits that reflect the higher-than-average vehicle values common in affluent areas like The Shores at McIntosh Lake.
Personal Liability Protection
What it covers: Financial protection if someone is injured on your property or if you accidentally damage others' property, including legal defense costs.
Why it matters in Longmont: Colorado's comparative negligence laws can leave homeowners exposed to significant liability. With Longmont's outdoor lifestyle and frequent entertaining, liability risks increase, especially for homes with features like pools, trampolines, or properties backing to popular trails.
Local considerations: Our coverage includes enhanced protection for Longmont's frequent home-based businesses (with the rise of remote work), protection during popular community events like Rhythm on the River, and specialized coverage for cyclists using Longmont's extensive trail system.
Additional Living Expenses
What it covers: Costs to maintain your standard of living when your home is uninhabitable due to a covered loss, including temporary housing, food, and other expenses.
Why it matters in Longmont: With increasing wildfire evacuation frequency in western neighborhoods and extended repair times due to labor shortages in Boulder County's construction industry, temporary displacement can last months rather than weeks.
Local considerations: Our policies provide higher-than-standard ALE limits specifically calibrated to Longmont's higher living costs. We include coverage for extended stays at comparable accommodations based on Longmont's actual rental market rates, which are currently averaging $2,250 monthly for a comparable home.
Smart Coverage Strategies for Longmont Residents
Your insurance needs evolve with life changes. Our tailored approach considers your specific Longmont neighborhood, lifestyle, and future plans.
First-Time Longmont Homebuyers
New to homeownership in neighborhoods like Southmoor Park or Prairie Village? Your bundle should focus on flexible coverage that grows with you. With median starter homes in Longmont starting around $425,000, adequate dwelling coverage is crucial. So is extended replacement cost protection to buffer against Boulder County's rising construction costs. Consider higher auto liability limits than Colorado's minimums, especially with Longmont's busy Highway 119 commuter route to Boulder. Bundle savings average 23% for first-time buyers, helping offset Longmont's higher property tax rates compared to other Northern Colorado communities.
Established Longmont Families
For families in established neighborhoods like Central Business District or Hover Crossing, your insurance strategy should account for accumulated assets and increased liability exposure. With multiple vehicles, teenage drivers, and valuable home upgrades, your bundle should include higher liability limits and umbrella coverage. Parents of students at Silver Creek High School or Trail Ridge Middle School should consider specialized coverage for young drivers. Bundling can provide 18-25% savings while including vital protection for Longmont's hail season (May-July), when the average claim exceeds $8,000 for combined home and vehicle damage.
Longmont Luxury and Premium Properties
Homeowners in premium developments like The Shores at McIntosh Lake or custom homes in western Longmont require specialized coverage matching their sophisticated needs. High-value homes (Longmont's luxury market averages $1.2M+) need guaranteed replacement cost coverage and higher sub-limits for specialty items. Owners of multiple vehicles, including classic cars or recreational vehicles popular among Longmont's outdoor enthusiasts, benefit from our custom bundle approach. These sophisticated packages provide comprehensive protection with savings of 15-20%, while addressing the unique risks of premium properties, particularly those in western neighborhoods with higher wildfire exposure.
Three Questions for Longmont Residents When Choosing Coverage
- Does your coverage account for Longmont's specific risks? Consider your neighborhood's exposure to hail, wildfire, and flooding. Western areas need wildfire protection, while homes near Left Hand Creek should consider flood insurance beyond standard policies.
- Are your liability limits sufficient for Boulder County's high property values and medical costs? Colorado's minimum requirements leave significant gaps. Consider your total assets and income that could be at risk in a lawsuit, particularly important in Longmont's higher-income neighborhoods.
- Does your coverage address your specific Longmont lifestyle? From protecting mountain bikes and kayaks for outdoor enthusiasts to covering home offices for remote workers at Seagate Technology or Xilinx, your policy should reflect your life in Longmont.
Common Insurance Mistakes for Longmont Residents
- Relying on Colorado's minimum auto coverage requirements. The 25/50/15 minimums leave significant gaps when an accident involves expensive vehicles common in Longmont or multiple injuries. The average Longmont collision claim exceeds $30,000.
- Underinsuring for Longmont's specific weather risks. Standard policies often have inadequate coverage for the massive hailstorms that hit Longmont each spring and summer, when 2-inch hailstones can cause catastrophic damage.
- Missing wildfire preparation discounts. Many Longmont residents in western neighborhoods don't capitalize on significant premium discounts available through Colorado's mitigation programs like HB 25-1302 grants providing up to $10,000 for hail-resistant roofing.
- Failing to update coverage as Longmont property values increase. With home values up significantly in neighborhoods like Prospect New Town, many policies haven't kept pace with replacement costs, creating dangerous coverage gaps.
Smart Coverage Strategies for Longmont Residents
Your insurance needs evolve with life changes. Our tailored approach considers your specific Longmont neighborhood, lifestyle, and future plans.
What You're Actually Buying
Your premium isn't just an expense—it's risk transfer. Here's how the economics really work:
Liability Coverage
Protecting your assets from lawsuits that could claim your home, savings, and future earnings
40%
Physical Damage
Protecting your vehicle investment and ensuring you can replace transportation quickly
30%
Medical Coverage
Immediate care without health insurance delays or fault determination
15%
Convenience Coverage
Rental cars, roadside assistance, and gap coverage that keeps life moving
15%
Cost vs. Consequences
Serious At-Fault Accident
With Proper Coverage:
$500 - $1,000 (Your deductible)
Without Coverage:
$50,000 - $500,000+ (Your entire financial future)
Vehicle Theft/Total Loss
With Comprehensive:
$250 - $1,000 (Deductible + replacement car)
Self-Insured:
$15,000 - $60,000+ (Full replacement cost)
Hit by Uninsured Driver
With UM Coverage:
$0 - $500 (Fully protected)
Without UM:
$5,000 - $100,000+ (Sue someone with no assets)
Protect Your Longmont Life with Expert Bundle Coverage
Northern Colorado's trusted local experts since 1992, with specialized knowledge of Longmont's unique insurance landscape.
FAQs
Find answers to your most pressing insurance questions right here.