Protect your home with coverage that fits Longmont—not just a generic policy.
Longmont is a great place to live, but home insurance here comes with a few realities: hail and wind seasons, quick temperature swings, water losses, and rising construction costs. If you haven’t reviewed your policy recently, you may be paying more than you should—and still missing the coverages that matter most when you file a claim.
Bassett Insurance Group helps Longmont homeowners review their current coverage, spot gaps, and compare options from quality carriers so you can feel confident about what you’re actually protected for.
Want a fast coverage check?
- Request a Home Insurance Review with Bassett Insurance Group in Longmont.
Call now or request a quote today.
Local risks in Longmont: what your policy should match
Home insurance isn’t one-size-fits-all. Here are the common Longmont-area issues we see—and the parts of your policy that should be reviewed.
1) Hail and wind damage
Front Range storms can be rough on roofs, siding, windows, gutters, fences, and outdoor structures.
What to review:
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Roof settlement type (replacement cost vs. actual cash value for roofs)
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Hail/wind deductible (some policies use a separate deductible that’s higher than your standard deductible)
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Cosmetic damage limitations (important for metal roofs/siding)
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Matching coverage (so repairs don’t leave you with mismatched materials)
2) Water losses (the sneaky expensive ones)
Many “water claims” aren’t floods—they’re things like sump pump failures, pipe breaks, appliance leaks, or sewer/drain backup.
What to review:
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Water backup / sewer & drain endorsement (often optional, often worth it)
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Service line coverage (buried lines from your house to the street can be costly)
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Hidden water damage coverage (some policies limit longer-term leakage)
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Personal property limits for water losses (contents add up fast)
3) Wildfire smoke, embers, and defensible space concerns
Even if you’re not in the mountains, smoke events and wind-driven embers are real Front Range considerations, and some carriers are more strict about vegetation and roof condition than they used to be.
What to review:
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Home replacement cost accuracy (a total loss is where underinsurance shows up)
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Debris removal limits
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Additional Living Expense (ALE) limits if you’re displaced
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Any underwriting requirements (roof age, tree trimming, brush clearance)
4) Freeze-ups and winter-related damage
Longmont’s rapid temperature drops can lead to frozen pipes and interior water damage—especially in basements, crawl spaces, garages, and vacant homes.
What to review:
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Coverage for sudden accidental discharge/overflow
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Any exclusions tied to vacancy or failure to maintain heat
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Deductible level compared to your comfort with smaller claims
5) Rising reconstruction costs in Boulder County
Even if your home value hasn’t jumped dramatically, the cost to rebuild often has—labor rates, materials, code upgrades, and contractor availability can change quickly.
What to review:
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Dwelling limit (Coverage A) based on rebuild cost, not market price
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Extended replacement cost or similar buffer options
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Building ordinance/code coverage for required upgrades after a loss
Quick checklist: 10 things Longmont homeowners should confirm
Use this as a quick gut-check on your current policy:
- Dwelling limit reflects today’s rebuild cost
- Roof is covered on replacement cost (if available/appropriate)
- Hail/wind deductible is clear and acceptable
- Water backup coverage is included (or intentionally declined)
- Loss of use (ALE) is high enough for Longmont rental costs
- Ordinance or law coverage is included
- Detached structures (garage/shed/fence) coverage is sufficient
- Personal property limits match what you actually own
- Liability limits make sense for your household (pets, visitors, trampoline, etc.)
- You have an umbrella policy if your situation calls for it
If you’re unsure on even a couple of these, a quick review can make a real difference.
What Bassett Insurance Group does differently
We’re local, and we’re practical. When we review your home insurance, we focus on:
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What would happen in a real claim, not just what looks good on paper
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Whether your deductibles and limits match your budget and risk tolerance
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Carrier options that make sense for Longmont weather and rebuild costs
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Clear explanations, so you can make decisions without the insurance jargon
Get a Home Insurance Quote in Longmont, CO
If you want a cleaner policy, better coverage, or just a second opinion, we can help.
Call Bassett Insurance Group for a fast review, or request a home insurance quote today.
Send over your current declarations page if you have it—we can usually spot the biggest gaps quickly.