Cars, trucks and teen drivers
Auto Insurance
Liability, collision and comprehensive for daily drivers, ranch trucks and teen drivers. Comprehensive is what handles hail, deer and cracked windshields.
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Independent insurance agency · Dolores, Colorado
Insurance that knows the back roads.
Aroy Tanzania Insurance Agency helps families, ranchers and small businesses in southwest Colorado sort out home, auto, farm, business and life coverage. You talk to a real person, it gets explained in plain English, and nobody pushes you into anything.
- Independent, not tied to one insurance company
- A real person answers the phone
- Free policy reviews, no obligation
- Help when it's time to file a claim
Local officeRoad 26 · Dolores
Who we are
A small agency with a simple way of working
Most people don't want to think about insurance. They want to know they're covered, that the price is fair, and that someone will pick up the phone when the hail comes through.
That's the whole idea behind Aroy Tanzania. Samuel McDonald runs the agency out of Dolores and works with households and businesses all over the Four Corners. Because we're independent, we can compare policies from more than one insurance company instead of fitting you into a single product.
- We read your current policy before we suggest changing anything.
- You get the options side by side, with the trade-offs spelled out.
- We check in at renewal so your coverage keeps up with your life.
What we cover
All coverage Coverage for the way people live out here
Gravel roads, long winters, livestock, side businesses, kids learning to drive. Our policies are built around real life in rural Colorado.
Houses, cabins, renters and condos
Home & Renters
Homes, cabins, mobile homes and rentals. We check replacement cost, wildfire and hail exposure so the numbers on your policy match the house you have.
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Acreage, livestock and equipment
Farm & Ranch
One policy for the farmhouse, barns, hay, livestock, equipment and farm liability. Built for hobby acreage and working operations alike.
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Liability, property, workers' comp
Business Insurance
General liability, business owner's policies, commercial auto and workers' comp for shops, contractors, outfitters and Main Street businesses.
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Term and permanent coverage
Life Insurance
Term and permanent life insurance to pay off the mortgage, replace income and keep the family plan on track if something happens to you.
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Campers, side-by-sides and boats
RV, ATV & Boat
Campers, travel trailers, side-by-sides, ATVs, snowmobiles and boats. Separate coverage for the things your home and auto policies leave out.
Learn moreHow it works
Start step one Four steps, and most of them are on us
Tell us what you've got
Call, email or fill out the quote form. A current declarations page helps, but a quick description of your home, vehicles or business works too.
We shop and compare
We look at coverage first and price second. We'll flag the gaps that tend to hurt people later, like low liability limits or a roof on actual cash value.
We walk through it together
You get the options in plain English. Ask anything. If the best move is to keep your current policy, we'll tell you.
We stay on call
Questions, changes, new trucks, claims. You call the same office every time, and we review your coverage at renewal.
Coverage finder
What should you be asking about?
Tap everything that applies. It takes about ten seconds and it's a good starting point for a conversation with us. Nothing is saved or sent.
Seasonal tip · Winter
Before the passes ice up
Check that your auto policy has comprehensive and collision on every vehicle you drive in winter, plus roadside assistance. Towing off Lizard Head Pass is not cheap.
Read the winter driving guide
Seasonal tip · Hail season
Know your hail deductible before the clouds build
Many Colorado home policies carry a separate wind and hail deductible, often a percentage of your dwelling limit. Find yours now, not after a storm.
Read the hail season guide
Seasonal tip · Fall
A good time to clean up around the house
Fall is a good time to clear brush and trim branches within 30 feet of the house. It lowers wildfire risk and can make your home easier to insure.
Read the wildfire guide8:00–5:30Office hours, Monday to Friday, Mountain Time
6 linesHome, auto, farm & ranch, business, life and recreational
1 callIs all it takes to start a quote or a review
$0For a quote or a policy review. No obligation.
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Guides
All guides Straight answers to common questions
Short guides we wrote for the questions we hear most at the office.
Hail season in Colorado: what your policy actually does
Deductibles, roof schedules and what to do in the first 48 hours.
Getting your home wildfire-ready (and easier to insure)
Defensible space, roofing, vents, and how insurers look at it.
A ranch coverage checklist for small and mid-size operations
Buildings, livestock, hay, equipment and liability, line by line.
Questions
Things people ask us first
Are you an insurance company?
No. We're an independent insurance agency. We help you compare policies from insurance companies, place the coverage you choose and stay your point of contact afterward. The policy itself is issued by the insurance company.
Does it cost anything to get a quote or a policy review?
No. Quotes and policy reviews are free and there's no obligation to buy anything. Agencies like ours are typically paid a commission by the insurance company when a policy is placed, which is built into the premium.
Can you help if I already have insurance somewhere else?
Yes. Send us your current declarations pages and we'll check limits, deductibles and gaps. Sometimes the right answer is to keep what you have. We'll tell you if that's the case.
Do I have to come into the office?
No. Most people handle everything by phone and email. You're welcome to stop by the office on Road 26 too. Saturday visits are by appointment.
What areas do you serve?
We're based in Dolores and work mostly with households and businesses in Montezuma, Dolores, La Plata and San Miguel counties, plus clients elsewhere in Colorado.
Prefer to talk?
Call the office, email us, or come by. If we're with another client, leave a message and we'll call you back the same business day whenever possible.
14415 Road 26, Dolores, CO 81323, USA
Contact pageNo pressure, no call center
Let's take a look at what you have.
Send us your current declarations page or just tell us what you own. We'll compare options and explain the differences in plain English. A review costs nothing.