Home Insurance in Loveland, Colorado
With a median home value of $479,000, Loveland is 16% lower than the Larimer County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Loveland was built around 1993. About 11% of homes were built before 1960, in line with Larimer County (10%).
In Loveland, the housing stock is 74% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 68% of owner-occupied homes in Loveland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Loveland are owner-occupied.
76% of homes in Loveland are primarily heated with natural gas.
Larimer County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Larimer County had 1,030 active NFIP flood policies as of September 2026. See the full Larimer County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $479,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Larimer County | 1,030 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)