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Frequently asked questions
Straight answers to the questions we hear most. Don't see yours? Just ask.
Working with us
What does an independent insurance agency do?
An independent agency isn't owned by one insurance company. We can compare policies from the companies we work with, help you choose, place the policy and service it afterward.
How are you paid?
Agencies are typically paid a commission by the insurance company when a policy is placed or renewed. You don't pay us a separate fee for quotes, reviews or service.
Do you sell my information?
No. We use your information to quote and service your insurance. We share it with insurance companies only to get you quotes or manage your policy. Read our Privacy Policy for details.
Can I switch policies in the middle of my term?
Usually, yes. Most policies can be canceled mid-term with any unearned premium refunded, though some insurers apply a short-rate penalty. We'll line up the new policy first so there's no gap.
Home & property
What's the difference between replacement cost and actual cash value?
Replacement cost pays to repair or replace with new materials of like kind and quality. Actual cash value subtracts depreciation, so an older roof might pay far less. It matters a lot after hail.
Is flood covered by my homeowners policy?
No. Flood is excluded by standard home and farm policies and needs a separate flood policy.
Does my home policy cover my home business?
Usually only in a very limited way. Business equipment, inventory and business liability often need an endorsement or a separate business policy.
I rent. Do I really need renters insurance?
Your landlord's policy covers the building, not your belongings or your liability. Renters insurance is usually inexpensive and covers both.
Auto
What are Colorado's minimum auto liability limits?
Colorado requires at least 25/50/15: $25,000 per person and $50,000 per accident for bodily injury, and $15,000 for property damage. Most people are better protected with higher limits.
Is hail damage to my car covered?
Only if you carry comprehensive coverage. Liability-only policies don't cover damage to your own vehicle.
Do I need to add my teen driver?
Generally yes, once they're licensed and living in your household. Call us before they get their license so we can talk about discounts and limits.
Farm, ranch & business
Is my ranch truck covered by my farm policy?
Usually not for driving on public roads. Vehicles generally need a personal or commercial auto policy. We make sure every vehicle is listed somewhere.
Do I need workers' comp for seasonal help?
Colorado requires most employers to carry workers' compensation, including for part-time workers. Some agricultural exemptions exist, so call us to review your situation.
What's a business owner's policy?
A BOP bundles general liability and commercial property for small businesses, often at a lower cost than buying them separately.
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.