Home insurance for the place you actually live in.
Fort Collins homes carry specific risks - hail, wildfire proximity, high-altitude weather, basement sewer backups. We write home policies built around the things that actually happen in Northern Colorado.
- Replacement-cost coverage on dwelling AND personal property.
- Hail, wildfire, and water-backup considerations built in.
- A local agent who knows your zip code, not a 1-800 queue.
- Bundled with auto: most clients save 10-25%.
2023 · 2024 · 2025
two states
of experience
Fort Collins, CO
What home insurance actually pays for.
Thompson Insurance Agency provides home insurance for residents of Fort Collins, Loveland, Windsor, and surrounding Northern Colorado communities. Owned by Eric and Amanda Thompson, the agency has been voted Top 3 Insurance Agency in Northern Colorado three consecutive years (2023, 2024, 2025). For a typical NoCo single-family home, annual premiums usually run $1,400-$2,600 - varying widely by roof age, wildfire-zone proximity, and coverage levels. Licensed in Colorado and Wyoming. To get a quote, call (970) 482-0078.
The biggest underwriting differences in NoCo are roof age, wildfire exposure (foothills properties), and whether you have a finished basement subject to water backup. We walk through all three when we quote.
Six layers that make up a policy.
Each card is one piece of a standard homeowners policy. Some are core; others are endorsements that almost always belong on a NoCo policy.
Dwelling Coverage
CoreRebuilds your house after a covered loss - fire, hail, wind, weight of snow. Should equal the replacement cost of the structure, not the market value or what you paid.
Other Structures
IncludedDetached garages, sheds, fences, dog runs. Typically 10% of dwelling coverage and adjustable. Important in NoCo where outbuildings and fencing carry real value.
Personal Property
Inside the homeEverything inside the house - clothes, electronics, furniture. Choose between actual cash value (ACV) or replacement cost (RCV). RCV pays to replace at today's prices; ACV deducts depreciation.
Personal Liability
Protects assetsPays if someone is injured on your property or you cause property damage to someone else. Includes legal defense. Higher limits cost very little and protect against a major claim.
Loss of Use
Hotel + mealsPays for hotel, restaurant meals, and additional living expenses if your home becomes uninhabitable after a covered loss. Usually 20-30% of dwelling coverage.
Water/Sewer Backup
NoCo essentialSewer line and sump-pump failures are not covered by a standard policy - they require an endorsement. With aging infrastructure across NoCo, this is one we almost always add.
ACV vs RCV - the biggest decision on a NoCo home policy.
Actual Cash Value depreciates your damaged property and pays the lower number. Replacement Cost Value pays what it actually costs to replace at today's prices. After a hail claim, the difference between ACV and RCV can be $8,000-$15,000 on a single roof. We will almost always recommend RCV on dwelling AND personal property - the extra premium is small, the protection is huge.
Why a local agent writes a better home policy.
Online underwriters don't know which Fort Collins neighborhoods have aging cast-iron sewer lines, or which foothills addresses sit in a wildfire-overlay district. We do - and we build coverage that accounts for it.
Northern Colorado is a Tier-2 hail zone.
The Fort Collins-Loveland-Greeley corridor sees major hail events almost every summer. Your roof, siding, gutters, AC units, and windshield are all at risk. We make sure your dwelling coverage matches full replacement cost AND that your deductible structure does not penalize you on a hail year.
Foothills properties are underwritten differently.
Homes within 1-2 miles of the foothills (LaPorte, Bellvue, Masonville, west Loveland) are subject to wildfire-zone underwriting. Some require defensible-space documentation. We will walk through your specific address and what your insurance plan needs to see.
Sewer backups are NOT covered by a standard policy.
Standard home insurance excludes sewer line and sump-pump failures by default. Older Fort Collins neighborhoods - Old Town, Westside, parts of Midtown - have aging cast-iron lines that fail with little warning. We almost always add a water/sewer-backup endorsement.
Questions we get a lot.
If your question isn't here, call us — we'd rather answer it on the phone than read about it in a help center.
Call (970) 482-0078Protect your Fort Collins home — get a quote from a local agent.
Send us your current declarations page, or just give us your address and we will pull the basics from public records. We will build a policy around your specific home - roof age, wildfire zone, basement, the whole picture - and quote it cleanly.
2108 Milestone Dr · Fort Collins, CO 80525