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Home2022-05-12T15:20:17-06:00

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Trusted.
Local.
Independent.

We’ve built our insurance agency around understanding what you need and what’s important for your family or business to protect.  That’s why we work with a wide range of insurance companies and products to meet your specific needs, including customized coverages.

We don’t work for the insurance company, we work for you.

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From Our Clients

5 / 5

Matt was very efficient. He was knowledgeable and quick to get information to me. Buying a home can be stressful and overwhelming, but with Matt’s help, I don’t have to worry about my homeowners or vehicle insurance. He took care of everything for me!Thank you, Matt!!!

– Heather Greene

5 / 5

Patrick and team really helped put our mind at ease while hunting for new house and auto insurance. We were long time customers with another insurance company but they weren’t able to match or come in better then the rates that Patrick was able to find for us. Would recommend Patrick and team 100%.

– TJ Hayes

5 / 5

“Relocated to CO and had to reset all of my personal Insurance needs, Home Auto + Umbrella. Matt was super to work with and found us some great options!”

– Jim Grim

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Colorado mountains with home insured with homeowners insurance in Colorado

FAQs

Will turning in a claim automatically increase my insurance?2022-03-31T11:22:25-06:00

This is not an easy answer.  Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity.  It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense.  However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.

What is an adjuster?2022-03-31T11:22:25-06:00

An adjuster is a representative of the insurance company that helps settle a claim.  They are not employed by us.  We do not settle claims as this is done by the adjuster.  However, we will assist in making sure a covered claim is paid fairly and promptly.

Does my insurance cover special events such as weddings?2022-03-31T11:22:25-06:00

Many venues that are rented for special occasions such as weddings and graduation open houses require proof of coverage for up to $1,000,000 in liability insurance to cover property damage and bodily injury accidents that may occur during the event.  Many Homeowners policies will provide coverage for these types of events. An excess / umbrella liability policy is also a good idea and will comply with the requirement for $1,000,000 in liability coverage.

If you are hosting an event where alcohol will be served, your homeowners policy will cover this “host liquor liability” as long as you do not charge money for the alcohol. If alcohol will be served it is recommended to transfer the liability by hiring a bartender or caterer who carries their own liquor liability coverage. If you do decide to have a cash bar or if the venue requires to be listed as an additional insured on your policy, we can provide you with a separate Special Event Liability policy to cover this exposure.

For specific events and how coverage would be afforded under your policy please contact us.

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Our head office is located in Broomfield, Colorado.

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