Direct Insurance Services

About Our Agency


A Team
That Cares

Licensed and ready to help in many states.
Our head office is located in Broomfield, Colorado.

Unlike a captive, or direct insurance companies who only offers their own proprietary products, our agency is 100% independent of any one company. Many insurance consumers don’t fully understand just how important that is.

When it comes to something as important as insurance, it’s imperative to work with an agency who has an in-depth knowledge of multiple insurance products, companies, and guidelines – not just one.

At the end of the day, what separates us from other agencies, is our ability to proactively service our clients, our knowledge of the insurance industry the and different situations that may present themselves to our clients.


We’ve built our business 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.

Independent Agent vs The Rest

Here is a quick comparison of the differences between an independent agency like us, and the various other types of companies that are out there:

Features & Services Our Agency Captive Agent Online & 1-800 Companies
Access to multiple companies and wide range of products
Easy switching from company to company without hassle
Unbiased and objective advice Tries to sell & support only their one company Tries to sell & support only their one company
Claims assistance and advocacy Adjusters are often exclusive to the one company No help: You vs. adjuster
Policy service from the same person you bought from To call center You'll likely never talk to the same person twice
When you buy from an independent agent like us, you're supporting local business and your local economy #choicematters #independentagent

From Our Clients

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

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

“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

Colorado mountains with home insured with homeowners insurance in Colorado


What is insurance, in simple terms?2023-05-23T13:55:21-06:00

Insurance is a way to protect yourself or your belongings from unexpected events that could cause financial loss or damage. It works by spreading the risk among a large number of people who pay a relatively small amount of money called a premium. In exchange for this premium, the insurance company agrees to provide financial assistance if a covered event occurs.

Here’s a simple example to help illustrate how insurance works: Let’s say you have a car and you buy car insurance. You pay a premium to the insurance company, typically on a regular basis (monthly or annually). If you have an accident and your car gets damaged, the insurance company will help cover the cost of repairs or replacement, depending on the terms of your policy.

Insurance can cover various things like health, home, car, life, and even business-related risks. The specific coverage and terms vary depending on the type of insurance and the policy you choose. The insurance policy outlines what events are covered, what is excluded, and how much the insurance company will pay in case of a claim.

It’s important to note that insurance is based on the concept of pooling risk. By spreading the risk among many policyholders, insurance companies can afford to pay for the losses of the few who experience them, providing a safety net for individuals and businesses.

In summary, insurance is a way to protect yourself financially against unexpected events. By paying a premium to an insurance company, you can transfer the risk of potential losses to them, allowing you to have peace of mind and assistance when you need it most.

Will turning in a claim automatically increase my insurance?2023-05-23T13:54:59-06:00

The answer is, it depends.

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.

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