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How much home insurance is right for you?

Based in Loveland, CO, Jackson Insurance Agency Inc. understands the home insurance needs of our customers. We’ll work with you to estimate the replacement cost for your home and to adjust your policy limits from time to time as needed.
It is critical that you provide us with accurate and updated information about your home and contents. If your dwelling limit accurately reflects your home’s true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy.
Once a review of your home and possessions indicates you are properly insured, it’s a good idea to reexamine your coverages and limits occasionally, especially when you make additions or improvements. Jackson Insurance Agency Inc. can help you re-evaluate your insurance needs, Just give us a call at 970-667-3680 to speak with one of our agents.

Here are some steps you can take to reduce the danger of being seriously underinsured:

1. Call Jackson Insurance Agency Inc. If you have questions or concerns about the limits in your policy, ask us to show you how those amounts were calculated. This will also give you an opportunity to make us aware of any changes to be made.

2. Read your policy. Certain property, such as jewelry, and certain perils, such as earthquake or flood, is better insured separately. Knowing what is covered and for how much will help you insure properly. If there is anything in your policy you don’t understand, contact Jackson Insurance at 970-667-3680 and ask for an explanation.

3. Review. At each annual renewal of your policy, you receive a new Policy Declarations page showing limits of coverage and optional coverages. Review this information. If you do any significant remodeling or add a family room, extra bedroom or bathroom, etc., tell us about these changes so your coverage limits can be adjusted to cover the improvement. Do not limit your review to just your Policy Declarations page, it is equally important to review the Policy Exclusions.

4. Consider carefully whether your policy provides all the protection you need. Does it provide coverage for extra costs resulting from building code changes? Does it automatically increase coverage limits annually to keep pace with inflation? Does it provide additional funds if the cost of rebuilding your home exceeds the policy limits?

5. Keep in mind that Jackson Insurance does not receive any notifications of your renewals, billing, or other notifications regarding any of your policies. These documents get sent directly to the named insured whether it is through the mail or paperless, based on their preference. Jackson Insurance relies solely on each insured to notify the agency of any questions, concerns, policy changes or requests that need to be made.


As we are now entering the beautiful season of spring with blooming trees and flowers. We also enter a season of potential risky weather. Now is a great time to give us a call to review your insurance coverages. Maybe consider adding comprehensive in case of hail or even reducing your deductible for a few months since there is a greater chance of hail. If you own your home, calls us to review the attributes of your home that helps determine the cost to rebuild in the event of a covered loss.

It is important to review your insurance policies with us at least annually. Insurance carriers are often adding new coverage endorsements that can be added to your policy and to make sure you are insured adequately to best fit your needs. Give us a call today to review your insurance!

May is Mental Health Awareness Month!

Whether you know someone that faces mental illness or you personally, it is a very critical part of your overall health. It cannot always be physically seen as other illnesses so it is even more important be aware of signs, symptoms, and ways we can all help! There are many resources out there and we encourage everyone to learn more about mental health and take that step to seek help if its needed. Please see below a few of many resources:




We would like to give a big congratulations to Erika (owner) and her husband Jake (commercial lines specialist) on their exciting news that they are expecting a baby girl coming this August! This is their first child and are very excited to become parents. While Erika will take maternity leave, she will return to the office to continue to take care of your insurance needs.

We are excited to introduce a new member to our team… 

Angie Tonsing

She has 10+ years of experience and an outgoing personality that you are sure to enjoy when working with Angie at our agency.  Find out more about Angie on the About Us tab.

Have you seen our new location?  Stop by and see us and pick up a 2023 calendar!

You can now find us at 234 Elder Dr in Loveland

Homeowners rate revisions – 

We would love to do a full policy review and are happy to requote you!  Homeowners rate revisions are in place with insurance carriers due to many factors such as keeping pace with inflationary trends and the cost of labor materials.

Please keep in mind, we do not get notifications of any of your renewals.  We are here to help and are a quick call, email, or stop away to take care of your insurance needs!

Give Us a Call Today To Review Your Insurance

It is important to review your insurance policies with us at least annually.  Insurance carriers are often adding new coverage endorsements that can be added to your policy and to make sure you are insured adequately to best fit your needs.

Please remember, we do not get notices from the carriers when you get your renewals.  We rely on you to let us know if you have any questions, concerns, or if you would like to be requoted.

Give us a call today for more information about your insurance!

Jackson Insurance has helped me insure my cars and homes for many years. This year they got my insurance company to significantly reduce my auto premium. I recommend this firm.