Loveland has 78,410 residents in 34,367 households. We list 18 insurance agencies in Loveland. Here is what the local numbers say about the cover people here need.

Loveland at a glance

18insurance agencies listed
37.8%of households rentRenters insurance
$479,000median home valueHome insurance
1993median year homes were builtRebuild cost calculator
5.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Larimer County

FEMA rates the overall natural hazard risk in Larimer County, where most Loveland agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Loveland
Winter weatherVery High
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Loveland
WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Loveland
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Loveland

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Colorado

Colorado requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $15,000 of property damage liability, often written 25/50/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Loveland How much liability cover do you need?

Source: doi.colorado.gov. Checked 2026-10-24.

Insurance companies Loveland agencies work with

Of the 11 Loveland agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna4 agencies
Travelers4 agencies
UnitedHealthcare4 agencies
Humana3 agencies
Liberty Mutual3 agencies
Liberty Mutual (Safeco)3 agencies
Medicare Advantage3 agencies
Nationwide3 agencies
American Modern2 agencies
Blue Cross Blue Shield2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Loveland agencies can write

Share of the 18 agencies listed in Loveland that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Loveland agencies are

Loveland agencies we list sit in 3 ZIP codes, mostly in Larimer County.

805389 agencies
805378 agencies
805391 agency

Questions

Insurance agencies in Loveland

How do I find an insurance agency in Loveland?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Loveland?

Most often life, home, auto, renters, condo. Pick a type in the filters to narrow the list.

Which insurance companies do Loveland agencies work with?

Among the 11 Loveland agencies whose appointments we hold, the companies they are most often appointed with are Aetna (4), Travelers (4), UnitedHealthcare (4), Humana (3), Liberty Mutual (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Loveland?

FEMA's National Risk Index rates inland flooding risk in Larimer County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Loveland?

37.8% of households in Loveland rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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