The top-rated condo insurance agent in Windsor, Colorado is Farmers Insurance - Gabriel Garcia-Hitt, rated 5.0 stars across 156 reviews. Other highly rated options include Scott Horvath - State Farm Insurance Agent, Joe Unruh: Allstate Insurance, Scott Harper - State Farm Insurance Agent. This directory lists 17 condo insurance agents serving Windsor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Gabriel Garcia-Hitt | 671 Academy Ct UNIT A | (970) 686-6839 |
| 2 | Scott Horvath - State Farm Insurance Agent | 1295 Main St #6 | (970) 686-6161 |
| 3 | Joe Unruh: Allstate Insurance | 1051 Main St | (970) 686-1026 |
| 4 | Scott Harper - State Farm Insurance Agent | 819 Main St | (970) 674-0937 |
| 5 | Heidi Washburn - State Farm Insurance Agent | 519 Main St | (970) 833-5304 |
| 6 | Farmers Insurance - Tammy Woods | 208 Main St | (970) 686-6555 |
| 7 | Mary Agcaoili: Allstate Insurance | 1039 Main St H | (970) 686-1026 |
| 8 | Squires Insurance Solutions | 421 Main St B | (970) 686-7778 |
| 9 | LSI Insurance Agency, Inc. | 401 Pointe Plz Dr Suite B | (970) 674-1151 |
| 10 | Brian Binder Agency Inc American Family Insurance | 400 Main St B | (970) 674-3223 |
Farmers Insurance - Gabriel Garcia-Hitt serves Windsor, Colorado, and the surrounding Weld County area as a dedicated condo insurance agent. The agency provides specialized policies designed to protect individual unit owners from common risks, including interior damage and liability claims arising within their condominium. Because standard homeowners policies do not cover condo-specific exposures, this agency helps residents secure proper property and personal liability coverage. Among the many solutions it offers in this area are loss assessment coverage for shared building elements and contents protection for personal belongings.
Homeowners and property managers in Windsor, CO, turn to Scott Horvath - State Farm Insurance Agent for condo insurance policies that protect individual units and shared building assets. This agency helps clients select appropriate coverage for personal property, liability, and loss assessments, always explaining policy terms clearly. They also guide new condo buyers through the insurance requirements of homeowners associations. Beyond Windsor, the agent serves clients in nearby Fort Collins, providing the same detailed support for condo owners across that part of northern Colorado.
Joe Unruh: Allstate Insurance provides comprehensive condo insurance services in Windsor, CO, including coverage options tailored to individual unit owners and their shared building liabilities. The agency assists clients with customized policies that address personal property protection, liability coverage, and loss assessment needs for condominium associations. Service plans emphasize clear explanations of master policy overlaps and help homeowners fill coverage gaps. They service a variety of property types, such as single-family homes, apartments, retail spaces, and restaurants.
Serving Windsor, Colorado, and the surrounding communities, Scott Harper - State Farm Insurance Agent provides condo insurance coverage for local condominium owners. The agency handles policies that protect personal property and interior structures within a unit, helping clients understand their master policy coverage and any gaps. For a typical job, it focuses on assessing individual unit needs by reviewing the condo association’s master policy and the client’s personal assets, ensuring sufficient liability protection and building coverage. It then recommends specific policy endorsements to address any uncovered exposures.
Heidi Washburn, a State Farm Insurance Agent in Windsor, CO, distinguishes between one-time policy reviews for new purchases and recurring service options that adjust coverage as a resident's circumstances change. She provides condo insurance for the unit’s interior and personal liability within a shared building. Any additional common-area protection is typically handled by the homeowners association’s master policy. Her service runs on an as-needed basis, allowing clients to request an updated quote when their policy renewal approaches.
With winter quickly approaching in Windsor, property owners often face increased risks from freezing pipes and heavy snow loads on roofs. Farmers Insurance - Tammy Woods provides tailored condo insurance coverage that addresses these seasonal concerns and common liability exposures in multi-unit buildings. Policies are designed to protect personal belongings and interior structures not covered by the homeowners association master policy. Client consultations begin with a thorough review of the unit’s specific needs and existing HOA requirements. Every new relationship starts with a detailed inspection of the condo's current protections.
Mary Agcaoili: Allstate Insurance provides tailored coverage options for condominium owners in Windsor, Colorado, addressing specific structural and personal property needs. The agency works with clients to build individual policies that complement master association plans while covering interior upgrades, appliances, and liability protection. It delivers attentive support for filing claims and adjusting coverage as circumstances change. The company also assists condo owners in Windsor with navigating the unique insurance requirements that arise after seasonal hailstorms or wildfire smoke events, which frequently affect local property risk assessments and policy adjustments.
Squires Insurance Solutions provides residential condo insurance to property owners in Windsor, Colorado. The agency also offers commercial coverage for local businesses requiring similar protection for their spaces. Services extend throughout the Windsor area, including nearby communities in northern Colorado. A Squires agent explains policy details clearly, helping clients choose appropriate coverage for their specific condo unit or development. The team follows up after each claim or policy review to ensure satisfaction and encourages repeat service between regular insurance reviews to adjust coverage as needs change.
LSI Insurance Agency, Inc. provides condo insurance policies for property owners in the Windsor, Colorado area. Their coverage plans often include protections for common interior structures, personal liability, and loss of personal property assessments. Assistants guide clients through the unique insurance needs of condominium association bylaws. Many clients can also secure add-on coverage for special assessments and increased dwelling limits. The firm is qualified to help with insurance for mixed-use buildings, offices, warehouses, and food service establishments.
Brian Binder Agency Inc American Family Insurance in Windsor, CO, is known for providing condo insurance policies tailored to the specific needs of unit owners. Its service range includes coverage for personal property, liability protection, and loss-of-use expenses that standard homeowners policies often lack. The agency assists clients in navigating master policy gaps to ensure adequate dwelling and interior structure protection for their condominium units. A specialty service it can add on is scheduled personal property coverage for high-value items like jewelry or electronics.
What Does a a Condo Insurance Agent in Windsor Cost?
Typical condo insurance costs in Colorado range from 200 to 600 dollars per year for a standard HO6 policy. Factors include your unit value location in Windsor and chosen deductible. Hail prone areas may have higher premiums. This is general information not insurance advice.
About condo insurance agents in Windsor
Condo insurance agents in Windsor Colorado help owners understand HO6 policies which cover personal property and interior structures. Colorado law requires condo associations to maintain a master policy but owners still need individual coverage for upgrades and personal liability. A local agent can explain how Windsor weather risks like hail affect your policy needs.
Frequently Asked Questions
What does a condo insurance agent in Windsor do?
A condo insurance agent helps you find an HO6 policy that covers your personal property interior walls and liability. They explain how Colorado condo laws divide responsibility between the association master policy and your individual policy.
Do I need condo insurance if the association has a master policy in Colorado?
Yes Colorado law does not require individual condo insurance but most lenders do. The master policy typically covers only the building exterior and common areas. Your HO6 policy covers your personal belongings interior upgrades and liability for accidents in your unit.
How does Colorado hail damage affect condo insurance in Windsor?
Windsor is in a hail prone area of Colorado. Your HO6 policy should include dwelling coverage for interior damage from hail if the roof leaks. An agent can help you choose a deductible that balances premium cost with out of pocket risk for storm claims.
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