Personal Insurance in Lakewood, CO
Nestled between city life and mountain views, Lakewood is home to families, professionals, and outdoor lovers alike. At RPM Agency, we provide personal insurance that reflects your lifestyle—whether you own a home in Green Mountain, rent near Belmar, or commute daily on 6th Avenue.
Lakewood Coverage That Works for You
Homeowners Insurance
Protects homes from fire, hail, theft, and more—vital for Lakewood properties, especially near the foothills and wildfire zones.
Renters Insurance
Affordable coverage for apartments and townhomes near Colorado Christian University, Union Square, or along Wadsworth—protects your belongings and personal liability.
Auto Insurance
Designed for daily drives on Wadsworth, Kipling, and I-70—with protection from weather, collisions, and uninsured drivers.
Umbrella Insurance
Extra liability protection for Lakewood homeowners, families, and landlords—ideal if you have assets to protect or host guests often.
Life Insurance
Long-term financial protection for your family—especially important for those building a life in family-friendly communities like Applewood or Westgate.
Why Personal Insurance Matters in Lakewood
Proximity to the Mountains Brings Unique Risks
Lakewood properties closer to the foothills face higher wildfire and wind exposures—homeowners need the right protection.
High Volume of Local Traffic
With major commuter routes like 6th Avenue and I-70 nearby, Lakewood drivers benefit from comprehensive auto coverage.
Growing Housing Market
Rising property values mean Lakewood homeowners need updated coverage to avoid being underinsured after a major claim.
Lakewood Personal Insurance FAQs
Is wildfire risk a concern for Lakewood homeowners?
Yes, particularly in neighborhoods closer to Green Mountain or Bear Creek Lake Park. These areas have seen increased fire activity and evacuation notices in recent years. We recommend reviewing your homeowners policy to ensure it includes adequate wildfire coverage and replacement cost limits tailored to Lakewood home values.
Should renters near Belmar or Colorado Christian University carry insurance?
Absolutely. Renters insurance is important no matter where you live, but especially in dense housing areas where fire, water damage, or theft can happen. Belmar’s vibrant community and high traffic make liability coverage especially useful if you’re entertaining guests or living with roommates.
What kind of auto insurance is best for Lakewood commuters?
Drivers in Lakewood should consider comprehensive and collision coverage to protect against accidents, hail, and wildlife-related incidents—especially if you commute on I-70 or through the foothills. With heavy traffic, winter road conditions, and uninsured drivers, robust protection is key. RPM helps you build a plan that reflects your daily routes and risks.
Do I need umbrella insurance if I live in Lakewood?
If you own property, savings, or have dependents, umbrella insurance can provide added peace of mind. Lakewood’s rising home values and active lifestyle mean higher liability exposure—an umbrella policy helps shield your assets beyond what your homeowners or auto policy covers.
Are multi-policy discounts available for Lakewood residents?
Yes! Bundling your home, auto, renters, or life policies can unlock significant discounts. It also simplifies your billing and claims process. RPM compares top carriers to find bundled options that offer full protection and local savings.