Louisville, CO
Insurance for Louisville, Colorado
Louisville is where our office is, and where rebuild-cost adequacy stopped being a theoretical question
Louisville is home to our office. It is also the Colorado community where the gap between a dwelling limit and an actual rebuild cost became impossible to ignore. We review home, auto, business, life and umbrella coverage here with particular attention to whether the limit on the page would genuinely rebuild the house.
- Since 2001Melissa has held an insurance licence since September 2001
- BBB A+Rated by the Better Business Bureau
- 10 carriersThe companies we represent, listed in full
- Real peopleNo call centers — you speak to your agent
Louisville sits in Boulder County, with a historic Old Town core and newer neighborhoods spreading out around it. It is consistently named one of the better small places to live in the country, and it has the housing costs that come with that — which is exactly why the dwelling limit on a homeowners policy deserves a close read.
After the Marshall Fire in December 2021, the Colorado Division of Insurance found that roughly two thirds of the homes lost were underinsured, and that fewer than one in ten carried enough coverage to rebuild in full. That is not a reason for alarm; it is a reason to check your declarations page while nothing is happening.
How it works
How We Review Louisville Policies
We start with the dwelling limit and how it was arrived at, then look at whether extended or guaranteed replacement cost is available to you and what it would add. We also look at how your carrier scores wildfire exposure at your specific address, because carriers do not all score it the same way.
Then we take the risk out to the carriers we can access and bring back the options. We will tell you what is available and what it costs. We will not tell you a policy covers a given loss — that is always a question of your policy wording, endorsements, exclusions and underwriting.
Our office is in Louisville. If you would rather go through your declarations page in person, that is easy to arrange.
Review My Louisville CoverageComparing coverage in Louisville? Send us what you have now.
Local advantages
What We Write in Louisville
- Homeowners coverage with a real look at rebuild-cost adequacy
- Extended and guaranteed replacement cost options, where a carrier offers them
- Auto coverage above the Colorado 25/50/15 minimum
- Business insurance for Louisville employers and Old Town storefronts
- Life and umbrella coverage sized to what your household would actually need
If you have not read your dwelling limit since you bought the policy, that is the one thing worth doing this month.
Want to know what coverage in Louisville would actually cost you?
Coverage available
What we write in Louisville
Nearby
Other communities we serve
Ready to see your Louisville options?