As an independent broker we aren't limited to one product. We are able to shop a wide variety of insurance companies to find the policy that fits your exact needs and saves you money.

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Personal Coverage

As an independent broker we aren't limited to one product. We are able to shop a wide variety of insurance companies to find the policy that fits your exact needs and saves you money.

(Click To Request a Quote)

Business Insurance

Colorado Insurance Broker

Our goal as a Colorado insurance broker is to develop relationships with clients. By partnering with you, we can evaluate your needs and then develop an insurance plan that is appropriate for you. First priority is to make sure that you have the proper insurance coverage, and then secondly, to do it in as cost efficient a manner as possible. As an independent insurance service agency, we work for you, not the insurance carriers.

After you provide us information on the policy that you are looking for we take the time to shop a wide variety of different insurance carriers. Our experience and understanding of Colorado's insurance markets allows us to ask the appropriate questions in order make sure we can provide you the highest quality insurance at the most affordable pricing. If you are currently represented by one company, we would love the opportunity to give you some alternative options for either personal or business insurance. We truly love to help people get the best insurance coverage for the money and we will tell you if we can or can't help you. Our insurance brokers are located just north of the Denver Metro in Lafayette Colorado but we can help all Colorado residents.

Property & Casualty Insurance

Click on the yellow dots to learn more about important coverages.

Flooding

The standard home insurance policy does not cover flooding. And you don’t even need to live near a river, creek or body of water to suffer flood damage. Heavy rains and other damaging storms are more regularly occurring and common, especially in areas not normally prone to flooding. Water pooling in the backyard from excessive rain can leak into your home and cause flooding. Are you prepared for this? A handful of home insurance companies provides a flood coverage endorsement/rider. Most do not. FEMA has a flood insurance program and we can write them as a separate policy to provide some flood protection for you.

Personal Umbrella:

As your older neighbor comes over to say “hi” your super friendly dog runs out and jumps on your neighbor, knocking him over and hitting his head on the sidewalk and you are now responsible for paying for those injuries and lengthy hospital stays. You could be out skiing and accidentally hit someone else who ends up striking a tree, shattering his vertebrae, collapsing a lung. The other skier’s hires an attorney and finds you financially responsible for half a million dollars. You’re doing everything right backing out of the grocery store parking lot as a young family walks out of the store. Even though dad tells the kids “stay with us” inevitably one darts out and you hit the child with your car. The dad looks at you and states “I’m going to sue you for all you’re worth.” Would you have enough money saved to cover your defense costs and legal financial responsibility? An umbrella is an inexpensive – and excellent – tool to help protect your finances. In addition, the liability umbrella policy provides extra liability coverage over both your home and your autos, as well as rental properties if you have any.

Personal Injury

This coverage is not about physical bodily injury; that’s covered under personal liability or possibly guest medical payments. This coverage has become more significant with the rise of social media. Young and old people alike are active online, posting, leaving reviews, and such. If you leave a negative review for your landlord or a restaurant or a business you visited, and that person or business claims defamation, hurting of reputation, libel, slander or cause the business to lose income and reduced clientele, you could be brought into a lawsuit. This coverage provides liability coverage for you and can help with attorney costs and finding resolution for such a claim.

Loss of Use

Whether you can’t live in your home for a short period of time or long term due to unexpected damage, such as a lightning strike, a kitchen fire, a water pipe burst or even a total loss like a wildfire, you may need to live elsewhere till you can move back into your home. If you must live elsewhere you will incur additional living expenses (food, lodging, daily needs, etc.) until your home is repaired or rebuilt. Some companies monetize this coverage while others say “12 months” or “24 months.” If it’s monetized, ensure the coverage would last you 24 months living in a place comparable to what you’re used to. If it’s not a monetized coverage, make certain it’s the maximum coverage available of “24 months.” You never know.

Dwelling

takes care of the structure of the home. Insurance companies try to be competitive, which can sometimes mean coverages aren’t as strong as they should be leaving homeowners underinsured. Consider the Marshall Fire of 2021. Whether it’s a fire, water pipe bursts, pipe freezes, lightning hits the home, tornado, weight of snow or ice causes damage, the wind blows your tree onto your roof or even hail destroys the roof, the dwelling coverage is there to repair or sometimes replace the structure. While each insurance company has its own “reconstruction cost estimator,” they aren’t always 100% accurate to your specific home. You want to review and ensure that the dwelling coverage is adequate. Rebuilding can sometimes cost more than what is estimated, as inflation, increase of materials and labor costs can all contribute to higher repair or rebuilding costs. The “extended dwelling coverage” provides additional money in case it would cost more than anticipated to rebuild. The companies we work with offer 50% or 100% extended dwelling coverages that are above the industry standard, giving you some peace of mind. Make certain your claims settlement on your home is “replacement cost,” not “actual cash value” or even “functional replacement cost.” We write replacement cost. For the roof, many companies have gone to a “roof replacement schedule,” which basically means actual cash value. Be sure to understand your roof claim settlement and deductibles.

Building Codes

Do you think your home is current with all the building codes? Counties are always adding new codes for newbuilds and rebuilds that can be costly, exceeding $100,000 in many Colorado counties. Some examples of why you need this coverage: upgrading to higher efficiency insulation, some counties require EV charging stations in each bay of your garage, the home needs a solar panel system, upgrading all wiring, the plumbing, replacing gas with electric. Even replacing your roof can require extra money for new roofing codes. Without this coverage you’d be paying out-of-pocket. Our companies offer above-industry standard (10%) levels of at least 20% and can even go up to 100%.

Special Personal Property

How important is that $5,000 wedding ring, or $25,000 Rolex watch, or $2,000 earrings, or that other jewelry you have? Or stamps, coins, artwork or other special collectible items that either appreciate in value or retain their value. Did you know that home insurance policies have certain limits of coverage for personal belongings such as these (usually low coverage such as $1,500 or $3,000 for jewelry, depending on the carrier)? If you have any of these items you’ll want to consider a “personal articles policy” that covers these items with a low or no deductible, covers stones falling out, mysterious disappearance or even breakage.

Guest Medical

If someone is injured on your property due to tripping on a hose, losing footage on your deck or stairs, your dog or cat bites your mailman’s hand, or a neighborhood kid is hurt playing a friendly game of football, you may be found responsible for paying for the medical expenses of going to the urgent care or emergency room for treatment. These typically are for less serious injuries and can help avoid larger liability claims against you.

Trampoline/ Pool

While it can be fun to have a trampoline and/or pool in your hard both carry a higher degree of risk of injury or other serious risks, and some insurance companies exclude liability from one or both of these so be certain you check your policy.

Personal Liability

If a smaller injury becomes a more expensive venture, or someone slips and falls while on your property, or your big tree blows over onto the neighbor’s house and damages it, you and your family can be held liable to pay for those injuries or damage. The coverage cost is minimal and should equal or exceed the value of your home. In our sue-happy society we would also recommend a personal liability umbrella policy be added as well.

Other Coverages

Be sure to ask about other coverages too, such as Water/Sewer/Drain Backup, or Hidden Water Seepage/Leakage, or Service Line, Matching of Undamaged Exterior Surfaces. Insurance companies frequently make more coverages available that might not have been available years ago. These are all helpful and very useful coverages for homeowners.

Personal Liability

It doesn’t take much to be distracted anymore, from a cell phone call to a screaming child, changing the radio station, reading the countless signs around you; it only takes a fraction of a second with your eyes off the road to crash into the car ahead of you or the bicyclist. As the owner of the vehicle and the driver you are responsible for bodily injuries you’ve caused. This coverage can also handle property damage to the vehicle (or building, fence, etc.) you hit, as well as pay for the claimant’s rental car. With the price of vehicles these days a higher minimum property damage liability coverage of $100,000 is recommended.

Rental Car

What will you drive if your vehicle is in the body shop due to an accident? The rental car coverage pays for you to rent a vehicle, at a certain amount per day, for up to 30 days. Whether your household has only one vehicle or multiple vehicles, this coverage is inexpensive and makes things a whole lot more convenient – and less costly – while your vehicle is being repaired.

Underinsured Liability

Have you ever wondered what happens when the driver who hits you doesn’t have enough coverage to pay for your injuries? What if it’s a hit-and-run? You could be left to pay for your own expenses. There is an exceedingly high rate of uninsured and underinsured drivers in Colorado unfortunately as so many drivers want the lowest “dirt cheap” coverage available. As a result, we drivers who do care end up paying the expenses. This coverage can help compensate you for any bodily injuries and your collision coverage would handle the vehicle’s damage.

Roadside Assistance

Ever had your battery die and can’t start your car? Ever locked your key/fob in the car? Had a flat tire? This basic coverage can help you in a sticky situation and bring help to you. It’s a third-party program with limited coverage and mileage for towing, so it’s not nearly as strong as a AAA roadside policy, but it’ll help you in a pinch and is rather inexpensive.

Collision

Your vehicle cost you a nice little chunk of change and the collision coverage is what restores it whenever the vehicle is damaged due to an accident. Like the comprehensive coverage you pay an initial amount, called the “deductible,” and the insurance pays the rest of the cost. A “liability-only” policy does not have this coverage, and so you’d be paying out-of-pocket damages without the collision coverage.

Glass

How many times has your windshield cracked and needed replaced? What happens if your side mirror or rear window breaks and needs replaced? Without glass coverage you either pay out-of-pocket or are subject to the deductible for your ‘comprehensive’ coverage. Many companies offer $0 glass deductibles; some have $50 and a few have $100 glass deductibles, but regardless of the deductible, it’s far less to pay that than the comprehensive deductible or out-of-pocket.

Medical Payments

Healthcare costs are high as are health insurance deductibles. In addition, health care declines costs of certain types of medical care as chiropractic or other “modalities.” This medical payments coverage doesn’t discriminate on type of health care. If you’re in an accident, this coverage can help pay for a deductible or the minor treatment at any health care facility, as well as funeral expenses of the driver and/or passengers.

Comprehensive

This coverage handles damage to the vehicle in situations other than collision, such as fire, flood, theft (of the car or parts of it like the catalytic converter), vandalism, hail, glass breakage, or hitting a deer. Normally it comes with a deductible, which means you pay an initial amount (e.g., $500 or $1,000) and the insurance company pays the rest.

Collector Car

These vehicles usually carry significant value and require certain coverages that the standard auto policy doesn’t provide. We have specialty companies that provide coverages unique to collector vehicles. Be sure you have documentation and photos when setting up one of these collector car policies.

These are general descriptions about these coverages. Actual policies need to be consulted for specific terms, underwriting requirements/guidelines and conditions.

Why Shop with Us in 2026?

Homeowners insurance costs in Colorado continue to climb, with hail now driving 26–54% of premiums in many counties. Auto rates remain under pressure too. As an independent broker, we aren’t limited to one company. We actively compare options from carriers like Travelers, Hartford, Safeco, and others eager to write business in Colorado—helping you secure the right protection at the most affordable price possible, even in a tough market.

Looking For People Who Care
& Want Good Care

FAQ

Does my credit score really affect my insurance premium?

Unless you’re asked for your social security number, it’s really your “insurance score” that plays a part in your insurance premium. Just like utility companies, banks, car dealers, credit card companies, property managers, and even your internet provider check your credit, insurance companies look at your “insurance score,” which contains elements of your credit, but evaluate other factors such as payment problems or ability to pay the premiums, cancellations, regularly changing insurance companies, and especially claims history. The better your insurance score, the better your rate.

How can I lower my insurance cost?

The first way to lower your insurance cost is ensure you have your auto and home insurance bundled together. That’s typically the biggest discount. The next way to help lower the insurance cost or premium is by increasing your deductible. For example, there would be big savings if you increased a $1,000 deductible to $5,000. In Colorado the roof age makes a big impact on premium. Going from a 15-year (or older) roof to a new roof can literally save you a $1,000 or more depending on the company. You can always remove or reduce other coverages, such as “service line” or “personal injury” or “water/sewer/drain backup,” but those are relatively small in cost and may not be worth losing. You’ll want to balance the reduction of cost against how much you’re raising your risk exposure by reducing or removing coverages. Removing a coverage to save $100 but then having a claim with $25,000 of damage generally isn’t a good financial move. The bundle discount and increase of deductible(s) are the two easiest ways to maximize your insurance premium savings.

Do you write insurance for mobile homes or manufactured homes?

Yes, while not many companies can write insurance for these types of homes we have a couple great options.

I’m looking to buy a home in the mountains. Is this home insurable?

Great question. We would need the property’s address in order to search insurance company’s eligibility as different areas in the mountains have different “protection class” scores based on location, proximity to water sources and fire stations, accessibility and some other factors. If you’re looking to buy a home in the mountains we encourage you to check with us first as the home could be uninsurable or may have an unaffordable high annual premium.

Replacement Cost vs. Actual Cash Value (ACV). What’s the difference?

There’s a big difference between these two at the time of a claim. We write home insurance with replacement cost claims settlement for the structure and personal belongings. If you had a total loss with the home, the insurance company would rebuild a new home. If an expensive bike is stolen the insurance company would replace the bike. With ACV, if a policy was written with ACV and the home had a total loss, the insurance company would determine the age and condition and pay the cost for a new home minus the cost of deprecation. If an expensive bike was stolen, the insurance company would determine the age, maintenance and condition of the bike and pay only a portion a new bike (minus the depreciation). If a vehicle is totaled or stolen, the insurance company pays out only the ACV or “market value” of the vehicle. Many home insurance companies now pay replacement cost on wind/hail claims for roofs up to a certain age. This varies by company. For example, several companies will pay replacement cost on a damaged roof for up to 12 years. After 12 years the claim settlement changes to ACV, often called a “roof payment schedule.” Most companies’ roof schedule deducts 3% of value from the roof per year of age. So a roof that is 20 years of age, and you have hailstorm that destroys the roof, would see a 20 years x 3% = 60% depreciation, the insurance company would only pay 40% of a new roof. Going ACV on a policy reduces the rate, but when that storm hits, any initial savings completely vanish and a person will take a big financial hit. Replacement cost is the better of the two types of claims settlement options.

Why won’t that insurance company cover me?

My neighbor has Company A but that company won’t quote me. Or, we have the same home but why is my rate higher? Why? There are numerous factors that contribute to how insurance companies write their business. It could be your insurance score is lower, meaning you’re riskier than an insurance company wants to take on. It could be you’ve got a claim or multiple claims and so an insurance company will either decline your insurance request or give you a higher rate. One insurance company may cover your neighbor’s home but Company B won’t cover your home because the community is saturated by Company B. Ever since the Marshall Fire in December 2021, insurance companies are being careful about how many homes they insure in a particular area. If you live near open space or in the mountains, a company that wrote insurance on homes a few years ago may not write homes in that area any longer. There are many reasons why the same, or why an insurance company won’t write insurance for you or would write it but at a higher rate. It all comes down to your personal risk, the risk of the area, or a combination of them.

Do I need separate insurance for my in-home business?

Insurance companies typically want you to declare business activity in your home, which should be limited, as it’s your home and not a commercial space. If you run your own business out of your home, you should have your own general liability policy and an “in-home business” endorsement on your home insurance. If you’re working as an employee at home, your employer should extend liability onto you but you should still add the “in-home business” endorsement in case, for example, you receive a delivery of business office supplies and the delivery guy injures himself on your property. Since the delivery was commercial related, a personal lines home insurance policy may not cover that. In fact, some home insurance companies expressly forbid business activity on your property, so be sure your insurance company (and agent) are aware of any business activity.

Should I have a personal liability umbrella policy?

We recommend that, if you have a paycheck, you also have an umbrella policy. An umbrella policy is an inexpensive way to hedge your risk in the event you’re sued for negligence or damages of some kind. Some people have said “I don’t have anything anyway” or “I rent.” In Colorado you could have a lien placed on your vehicle or home/condo that would need to be repaid before selling, and/or your paycheck could be garnished up to 25% for up to ten years. That could be costly!

What does “full coverage” actually mean?

People frequently request insurance quotes from us, and when we ask what coverage levels they want on their auto, we hear “full coverage.” What does that mean? There are so many definitions of “full coverage.” It could mean liability at 100/300/100, with $500 deductibles, roadside assistance, glass coverage and rental car. Or it could mean 50/100/50 for liability but $1,000 deductibles without roadside, rental car and glass. Or it could mean… See what I mean? There are many definitions, so if you’d like us to quote you “full coverage,” please elaborate on those coverage levels, as there are many.

Do I need to get extra insurance when I rent a car?

Your auto insurance coverages extend onto a vehicle that you rent. So if you have a $500 deductible for collision and get into an accident in the rental car, you would pay your $500 collision deductible. Or if you hit and injured someone, the liability coverage on your auto policy would kick in. If the coverage (e.g., comprehensive or collision) is not on your personal auto policy you obviously wouldn’t have it available while renting a car. However, something your auto policy probably does not cover is “loss of use.” For example, if the car costs $75/day to rent and you get into an accident and the car is in the shop and out of order for 25 days, that’s 25 days x $75 = $1,875 you could be on the hook for. Many credit cards, if you book a rental car through them, cover “loss of use” and sometime offer rental car coverage. Be sure to understand your credit card’s benefits. If you want to make certain you’re covered for all problems while renting a car, the I’d advise you to buy the rental car company’s insurance. Those policies are generally inexpensive for the short period of time you’re renting the car. But in general, yes, your auto insurance coverages would extend onto a rental car.

What’s the difference between whole life and term life insurance?

There are some core differences between the two types of life insurance. Term life is like renting an apartment. You rent for a specific agreed-upon time frame, pay your monthly rent, and at the end of the contracted period, you walk away with nothing. Term life generally is inexpensive. With term life, you set up an agreed-upon term (10-year, 20-year or 30-year are the most common terms) and select a coverage level. Whole Life insurance is what it says, for your whole life. You select your coverage level and you’ve got coverage for your entire life (some companies max out at age 100). Part of your monthly premium payment goes into the cost of insurance while the other part goes into a “cash pot” that grows as the policy ages, growing by the premium payments you regularly make but also based on an interest rate, often around 3%. During the life of the policy you can take money out of this “pot”, and if you cancel the policy, you would receive a “refund” of whatever cash amount is sitting in that “cash pot” (subject to fees). Whole Life insurance costs more because it covers you for an extended period of time and because it also functions as a conservative savings vehicle, often used in conjunction with your retirement portfolio.

The Difference is Our Attention To Detail

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Our clients are satisfied and come back year after year. In fact we have over a 94% renewal rate

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We only utilize reputable insurance companies that have an 'A' or higher rating from A.M. Best

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Since our opening in November 2013 we have written over 3,000 policies & helped over 1,500 families

Personal Coverage

Business Insurance

Colorado Insurance Broker

Property & Casualty Insurance

Click on the yellow dots to learn more about important coverages.

Flooding

Personal Umbrella:

Personal Injury

Loss of Use

Dwelling

Building Codes

Special Personal Property

Guest Medical

Trampoline/ Pool

Personal Liability

Other Coverages

Personal Liability

Rental Car

Underinsured Liability

Roadside Assistance

Collision

Glass

Medical Payments

Comprehensive

Collector Car

Why Shop with Us in 2026?

Looking For People Who Care & Want Good Care

FAQ

The Difference is Our Attention To Detail

Looking For People Who Care
& Want Good Care