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970.648.0034

Privacy Policy

We value you as a customer and respect your right to privacy. We know that you purchase our products and services because you trust that we stand behind our promises. We pledge our commitment to treat your information responsibly. We created this privacy policy to show you that we are working hard to protect your privacy.

Information sharing and opt out
We do not sell your personal information to anyone for any reason. We do not share it, except for the reasons described below, which are permitted by federal and state law. Therefore, there is no need for you to opt out. If we change our policy, we will tell you and give you a chance to opt out before we share your information.

Confidentiality and security
We use physical and technical safeguards to protect your information. We restrict access to your information to those who need it to perform their jobs. Third-party business partners are bound by law to use the information only for our purposes. They may not disclose it or use it in any other way. We comply with all data security laws.

Collecting your personal information
We collect personal information about you from different sources. For example, we collect information you send us on applications and forms. We also collect information from your transactions with our sister companies, others, or us. We may collect information from a consumer-reporting agency or a medical provider. This collection depends on the product or service you request.

Disclosing your personal information
We do not sell your information to anyone. We may disclose this information to a business that carries out services and marketing for us. We may disclose your information as required or permitted by law. We may disclose your information for a legal or regulatory purpose. These include the following types of information.

  • We may disclose information we receive from you on applications or other forms. This may include your name, address, beneficiaries, Social Security number and family member information. This may also include assets, income, and the property address and value.
  • We may disclose information from your transactions with our sister companies, or us. This may include your account balance, policy coverage, and payment history. This may also include premium paid, preferences, claims, and purchase method.
  • We may disclose information we receive from a consumer-reporting agency or other report. This may include, your credit report, motor vehicle and driver data. This may also include medical and employment data, loss history reports, and other driver data. This disclosure depends on the products you select.
  • We may disclose information to companies that perform marketing services on our behalf. As permitted by law, we may disclose some information to other financial institutions with which we have joint marketing agreements.

Using your medical information
We sometimes must collect medical information to provide you a product or to pay a claim. We do not use or share it for any purpose, except the following:

  • Underwriting insurance
  • Administering your policy, account, or claim
  • As required or permitted by law
  • As otherwise authorized by you

Internet Policies
What information does Home Loan Insurance collect from Web sites? Home Loan Insurance may collect the information you provide when you:

  • Request information from the Home Loan Insurance Web site
  • Use online tools and calculators
  • Apply online for products
  • Subscribe to online services
  • Complete an online form
  • Conduct transactions online
  • Apply for a job online

Home Loan Insurance contracts with certain unaffiliated business partners who help us deliver online products and services. They may keep the information you provide. Other online activities are listed below.

Visitor Data

  • Home Loan Insurance collects site-aggregate and customer-specific information about the pages you view on our site. We log IP addresses, browser and platform types, domain names, access times and referral data. We also collect information a customer volunteers on surveys and electronic forms. This information is used to improve our Web site.
  • Home Loan Insurance gathers data on its Web site. This is a standard industry practice and is used to find out how visitors use our site. We collect aggregate information on the public areas of our Web site. We also collect information on an individual basis on areas of our Web site that require visitors to logon using an ID and password. We may collect the following data:
    • How many people visit our Web site
    • The pages they visit and the features they use
    • How long they stay on our Web site
    • The Web site people come from before reaching our Web site

Use of "Cookies"
We store a cookie on your computer when you visit our Web site. A cookie is a tiny piece of information that is required to create and maintain a secure session. Cookies let you request information and do business online. Cookies do not have confidential or personal information. They do not track a user after leaving our Web site. We use a third-party tracking utility, which may set cookies, to analyze how users move within our Web site.

Other Online Security
We also use a Secure Sockets Layer (SSL). This keeps all information confidential when it is sent between our Web site and your computer.

E-mail
We keep the e-mail you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mail of specific interest to you. If you choose to send us e-mail, we keep your e-mail, your e-mail address, and our reply. Please be careful about the information you give us in e-mail. As with any public Web site, this communication may not be secure.

Web Links
It is important to note that other companies or organizations may have links on the Home Loan Insurance family of Web sites. We are not responsible for the collection, use, or security of information by the companies or organizations outside of the Home Loan Insurance family of companies. Please read the privacy policy of Web sites reached through the use of links from the Home Loan Insurance family of Web sites.

Why does Home Loan Insurance collect information on its Web site?
Home Loan Insurance or our business partners use the information from our Web sites for many purposes:

  • Edits and feedback
  • Marketing and promotions
  • Analysis of user behavior
  • Product development
  • Content improvement
  • Informing advertisers how many visitors have seen or clicked on their advertisements
  • Customize Web site content and layout

What happens if Home Loan Insurance changes its privacy policy?
If we decide to change our privacy policy, we will post the changes on our homepage. This way you always know what information we collect, how we use it, and under what circumstances we disclose it.

If we decide to use your personal information in a different way than for the use that we told you when we collected it, we will notify you by posting a note on our Web site for 30 days.

Questions
We value our customers and want you to understand how we use the information we collect. Please contact us if you have any questions about our privacy policy.

We will provide you a copy of your personal information that we control and can reasonably retrieve. To access your information, you must provide the following:

  • All policy numbers you want to access.
  • Please sign your request and have your signature notarized. This ensures the identity of the person requesting the information.
  • We do not currently charge a fee to cover the cost of providing you with a copy of this information. However, we do reserve the right to charge a small fee in the future.
  • You may request that we correct your personal information in our files. Please note that we do not control information provided by third parties. So, you will need to contact the third party to correct any information from them.
  • Sometimes we obtain your consumer or credit report. If so, you may request the credit-reporting agency's name and address. You may ask the agency to give you a copy of your report.

Please send any inquiries to us at:

Home Loan Insurance
ATTN: Privacy Department
205 N. 4th Street
Grand Junction, CO 81502

When you write to us, please include your name, address, and policy number, and your agent name and number, if you know it. You can contact your agent to change information that we control, such as your address. Or, you may contact your Home Loan Insurance customer service representative. The phone number is in your policy packet.

This privacy statement describes our privacy practices for both current and former customers. We will provide one copy of this notice to joint policy or contract holders. Please share this information with everyone covered by your policy or contract. If you request, we will send more copies of this statement.

Thank you for choosing Home Loan Insurance. We look forward to building a lifetime relationship with you.

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Our Locations

Home Loan Insurance- Grand Junction, CO

205 N. 4th Street
Grand Junction, CO 81501
Main office: 970-648-0034

HL Insurance- Parker, CO

11280 S. Twenty Mile Road STE 107
Parker, CO 80134
Main office: 720-809-8119

Our Providers

Testimonials

My name is Casey and my husband and I have personal insurance through Home Loan. I wanted to let you know how pleased I am with Julie Sinclair as my insurance agent. She is polite, friendly, knowledgeable and always promptly returns my calls. Having my insurance through Home Loan and working with Julie has been nothing but easy and headache- free for me, and as a busy mom, wife and nurse, I so appreciate this! I just wanted to let you know as often employees get over looked for what an outstanding job they're doing. I think customer service in this world is often very poor so I very much appreciate her wonderful customer service skills and friendly demeanor. Thank you. - Casey P.
Casey P.
Matt, I Just wanted you to know that everyone Bill and I have worked with there at your office has been incredibly helpful and patient: Katie, Beverly, McKenzie and any of the others I can’t recall right now and especially yourself. We really appreciate all your assistance. Thanks again!
Candy Hardin, Vice President & CFO of Iona Management Group
I was so impressed with the folks at Home Loan Insurance. They were able to save me a substantial amount of money compared to the company I was with. I also have better coverage. Julie was a pleasure to deal with, she really went to work for us and researched how we could save money by consolidating all of our insurance coverage through them. Everyone I have dealt with at Home Loan Insurance as well as Home Loan State Bank has been very courteous and knowledgeable. I am recommending them to all of my friends to at least let them quote their insurance needs.
Adrian Appelhans Montrose, Co.
We recently experienced a interior flood due to plumbing failure at our townhouse rented by my daughter. Home Loan was very quick to respond and they addressed all of our needs in a compassionate and professional manner. I would highly recommend Home Loan. The level of response and assistance was outstanding. Thanks Home Loan for making a overwhelming situation manageable.
Barbara Douchant
Fantastic customer service. Always prompt and helpful. I would recommend Home Loan to anyone! Julie Sinclair is awesome!
Joe Gaizutis
Julie Sinclair is extremely knowledgeable and easy to work with. My quote --at very competitive rates-- and temporary insurance cards were provided within minutes of our phone conversation. I highly recommend Home Loan Insurance and Julie. Darren Coltrinari, also Home Loan Insurance, is great to work with as well. Professional, easy going, competitive prices.
Dan Collins
Great customer service and very knowledgeable employees!
Garrett Brafford
Julie Sinclair has been helping my family with our insurance needs for years. After moving to Kansas for college several years ago, I was upset I would have to start using a different insurance company. Now that Home Loan is covering Kansas I'm so happy to be back working with her again. She is not only easy to work with, but extremely knowledgeable of the products her company offers. My husband and I are looking forward to working with Julie for many years to come!
Amy Pick
Love Home Loan! Julie has been so great with our car insurance and Wendy Jones is a true gem! Would highly recommend them!
Leah Johnson
Home Loan Insurance is as top notch a company to work with as they come. I'd say they are even better than advertised.
John Messinger
I have been a Home Loan Insurance customer for 20 years. I have added several policies and have filed multiple claims over the years. The service has always been excellent.
Nate Russell
I have been working with Brittany Case regarding my health insurance policy. She has went above and beyond to help my husband and I during this difficult process. We couldn't have done this without her. I highly suggest using this company for any of your needs.
Ashley Newberry
Our agents are fast responding to questions, super friendly and overall so easy to work with. Thanks for great service!
United Way of Mesa County
Carma Brown and the insurance division at Home Loan have demonstrated outstanding service to my wife Valerie and me from day one. We have used Home Loan Insurance for many years I can vouch for their consistency of great service and ability to understand our needs insuring our properties, vehicles and other specific requests. They have been especially versatile any time we have requested service in an emergency time frame. We recommend Home Loan Insurance to all our friends and business partners.
Kevin Brooks, CEO of Big O Tires, Inc.
Our company has done business with Home Loan for decades, and I personally have been involved since my hire here about 4 years ago. As with most business relationships there have been ups and downs. I will stress MORE UPS, than downs. I have been able to talk with all available personnel there, whenever necessary, and have always received a prompt response to our requests. We have always been able to resolve any problems and have worked to improve our systems on both sides. I would not hesitate to recommend Home Loan to anyone requiring their services.
Medic Adams, Moody Construction Risk Manager
Home Loan Insurance has always given me excellent service!
Rebecca Daniels, Owner of DLD Pipe Recovery Systems, LLC
To me the three most important properties necessary for a business to succeed are quality, cost and response, but I was wrong because Carma Brown added the dimensions of friendliness, warmth and caring to the insurance business so that no matter what emergency or situation we may get into we know that Carma and the folks at Home Loan Insurance will take care of us. These last three dimensions can't be bought or paid for; they are just there whenever we need them.
Lon Alexander, Retired
Beverly [Troester] is a connector at heart. She seeks to connect her clients, associates, and colleagues to solutions. Her knowledge of insurance and the current condition in the insurance world is outstanding. She is never afraid to say that she needs to research something and even better she will always follow up with the answer when she finds it.
Jennifer Kettlewell- Executive Director of NW Colorado BNI
I have been a customer of Home Loan for a little over a year, but my family has been with them for years. What service! Always returning calls promptly, making sure my questions are completely answered and to boot, they had the best prices!! Winning combo- great service + great prices. Thanks, Carma & Wendy!!
Connie Tremblay
I would recommend everyone here in the Grand Valley to come on down to Home Loan Insurance. They have friendly, fun, and excellent customer service!
Kiana G.
I worked with Rich [Englehart] for about 5 years and came to know him both as a professional and as a friend. Rich is the type of agent that makes you feel "at home," because he works very hard to ensure you feel comfortable with your insurance coverage. I would highly recommend Rich to any business owner looking to protect their investment.
Stephanie Roush- Crouse and Associates
I am a customer of both Home Lone State Bank and Home Loan Insurance. I am very satisfied with service levels on both sides! A very helpful company no matter what our needs are and are glad to see you when you come in.
Gary Crone, Owner of Comet Cleaners
Home Loan and their employees are not only a huge support to our community through their volunteer efforts and donations but also provides our family with trusted service for our insurance and banking needs for the last 18 years.
Kelli H