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Auto Insurance

Learn more about the new and affordable options designed to fit your driving. With multiple companies available for auto insurance, we can help you shop for the best coverage at the best rate. Ask us about discounts to save even more!

What we offer

 Our auto policy offers new, affordable coverage options designed for how you drive today. Discounts can help you save even m

Auto

An auto policy is crucial for drivers to help with financial protection against the costs associated with damage, injury, and liability. There are many different types of coverages that we are glad to walk you through. We want to make sure you are covered out there on the open road!

 How do you enjoy your motorcycle? You might be a weekend warrior who cruises up the coast on sunny afternoons. Maybe you use

Motorcycle

Whether you’re a weekend warrior or a daily rider, we have you covered!

 Horse & Stock Trailer insurance coverage typically includes comprehensive coverage to protect your cargo trailer from incide

Horse & Livestock Trailer 

Your auto policy may offer some liability coverage on your trailer but it lacks comprehensive coverage. A dedicated trailer policy can expand coverage to theft, vandalism, fire, weather related perils, collision, and more.

 We understands your active lifestyle — and your desire to help protect the vehicles that go with it. An agent can help with
RV & Motorhome

We understand your active lifestyle and your desire to protect the vehicles that go along with it. We can help you choose the right coverage for your adventures.

 Policies cover direct and accidental physical damage to a fifth wheel, including permanently installed accessories such as:
5th Wheel &
Travel Trailer 

Your auto policy may offer some liability coverage on your trailer but it lacks comprehensive coverage. A dedicated trailer policy can expand coverage to theft, vandalism, fire, weather related perils, collision, and more.

 Most off-road vehicles are built for adventure — whether you’re enjoying the trail on a snowmobile or hitting the apex on yo
ATV & Off Road Vehicles

Most ATV’s and off road vehicles are used for just that, off roading. Venturing off the beaten path can get you in some sticky situations though. You have your personal auto covered on the road, let’s make sure you’re covered off the road too.

 Whatever your automotive passion, you can protect your collectible vehicle — and your investment in it.  Let us help you cho
Collectible Auto 

Whatever your automotive passion, you can protect your collectible vehicle — and your investment in it.  Let us help you choose the coverage you want for a car that isn’t easily replaced.

 If you use vehicles in your business, one thing is clear: You need commercial auto insurance. And we can help with coverage
Commercial Auto 

However you use vehicles within your business, one thing is certain; you need protection. We can help with custom tailored policies to suit your individual business needs.

Types Of Coverage

Comprehensive

In Colorado, whether you’re adventuring out along the San Juan Skyway to Durango and Ouray or commuting into Boulder for your

Comprehensive coverage helps pay for losses or damage to your car caused by incidents like theft, vandalism, hail, wind, fire and more. 

Collision

In Colorado, whether you’re adventuring out along the San Juan Skyway to Durango and Ouray or commuting into Boulder for your

When you’re in a crash with other vehicles or objects, collision coverage can help pay to repair or replace your vehicle.

Liability

In Colorado, whether you’re adventuring out along the San Juan Skyway to Durango and Ouray or commuting into Boulder for your

Required by law in most states, liability provides coverage for the cost of injury to others and damage to their car or property when you’re at fault in an accident.

Roadside assistance

In Colorado, whether you’re adventuring out along the San Juan Skyway to Durango and Ouray or commuting into Boulder for your

If your car is disabled, roadside assistance coverage can provide 24/7 service and cover costs for things like towing, a tire change, locksmith service and jump starts.

Uninsured & under-insured motorist

In Colorado, whether you’re adventuring out along the San Juan Skyway to Durango and Ouray or commuting into Boulder for your

Uninsured motorist bodily injury (UMBI) helps pay costs if you or your passengers are injured by the driver of an uninsured vehicle. Uninsured motorist property damage (UMPD) helps pay to repair your car if it is damaged by an uninsured vehicle.  Underinsured motorist coverages can help pay costs associated with injuries and property damage when the at-fault driver has insurance but doesn’t have enough insurance to cover the damages. 

Frequently Asked Questions

  • Is homeowners insurance required in Colorado?
    No, homeowners insurance is not required by law in Colorado. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.
  • What does homeowners insurance cover in Colorado?
    Every policy is different, but home insurance policies in Colorado typically come with several standard coverages. Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail. Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed. Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged. Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage. Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.
  • Typical home insurance policies in Colorado cover damage caused by events such as:
    Fire Vandalism and theft Lightning strikes Wind Hail Explosions Falling objects The weight of snow or ice Flooding is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.
  • How much does homeowners insurance generally cost in Colorado?
    The average premium for home insurance coverage in Colorado is $1,667 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). However, insurance costs in most states have changed since then. Also, the amount you pay may be different, depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.
  • Does Colorado home insurance discounts?
    We offer a variety of savings opportunities for eligible home insurance customers in Colorado, including: Welcome Discount Home Buyer Discount Multi-Policy Discount Loyalty Discount Claim Free Discount See more information and additional discounts that may be available in Colorado.
  • How much does renters insurance generally cost in Colorado?
    Renters insurance in Colorado can cost as little as $13 a month (or $154 per year) for around $35,0001 in coverage, about the same as the national average, according to 2021 data (the most recent available) from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Also, your cost may be different, depending on things like how much personal property you want to cover, what deductible you choose and risks specific to your location.
  • Does Colorado require renters insurance?
    No state laws require you to have renters insurance in Colorado. However, landlords can require you to have a renters policy as part of a lease agreement. It may help pay for another person’s medical bills or repairs to their property if you’re found legally responsible for their injuries or property damage. Renters liability coverage may also help cover your legal expenses if you’re sued over an incident that occurs in the place you’re renting. Keep in mind that your landlord’s insurance provides coverage for the building itself, but this likely does not include your personal belongings.
  • What does renters insurance cover in Colorado?
    Typically, renters insurance policies in Colorado can provide coverage against damage to or loss of personal belongings if caused by events such as: Fire Vandalism and theft Lightning strikes Wind Hail Explosions Falling objects The weight of snow or ice Floods and mudslides — common risks in Colorado — usually aren’t covered under a renters insurance policy.
  • Would renters insurance be worth it if I don't own much?
    Even though you’re just getting started, your personal possessions are probably worth more than you realize. Now imagine you have to run out and replace everything at today’s prices. That’s going to be a very expensive shopping trip — unless you have renters insurance to help cover the cost.
  • Does renters insurance cover theft?
    Your renters policy helps cover the contents of your apartment for a number of perils — including theft. If someone walks off with your laptop or sound system, your policy can help cover the cost to go out and buy a new one.
  • How much renters insurance do I need?
    The amount of coverage you should consider getting depends on the combined value of all your personal possessions. Make a written inventory of what you brought into the place. Now think of what it would cost to replace everything with new merchandise at current prices.
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