Denver Insurance Agency
Denver blends record hail seasons, some of the highest auto-theft rates in the country, and century-old homes in Capitol Hill and the Highlands. We are an independent agency that shops more than 100 carriers so your Denver coverage fits the city you actually live in.
City risk priced honestly
A Denver address brings hail, theft, and aging building stock into one policy. We read those exposures and match you to carriers that price them fairly instead of writing off the whole city.
- Hail that makes history: the 2017 metro hailstorm is still Colorado's costliest insured event; we set roof coverage and deductibles so a hail claim does not wreck your finances.
- Auto theft and break-ins: Colorado has ranked at or near the top nationally for vehicle theft; we right-size comprehensive coverage and review catalytic-converter and contents exposure.
- Older homes done right: Capitol Hill, Congress Park, and Berkeley homes carry knob-and-tube wiring, old roofs, and code-upgrade costs; we add ordinance-or-law coverage that cheap quotes leave off.
- Condos, row homes, and HO-6: Denver's attached housing needs the right walls-in limit and loss-assessment coverage, an area we know well.
- Short-term rental exposure: Denver licenses short-term rentals and a standard home policy excludes them; we place coverage that matches how the property is really used.
See the coverage we place across the Denver metro: homeowners, auto, landlord and rental, loss assessment, wind and hail buydown, and umbrella.
Hail in the metro
Denver gets hit on a regular cycle. Roof age and the roof-payment basis drive your premium, so we check both and quote a wind-hail deductible buydown when the deductible is punishing.
Theft is real here
Auto and property theft are elevated across the metro. We give comprehensive limits, contents, and deductibles a hard look so a break-in is a nuisance and not a loss.
Old house, modern code
When a 1920s home is damaged, the city makes you rebuild to current code. Ordinance-or-law coverage pays that gap, and we make sure it is actually on the policy.
Denver insurance FAQs
Why did my Denver home premium jump?
Two reasons usually drive it: repeated metro hail losses and the rising cost to rebuild older homes. Carriers reprice the whole book after a big hail year. We shop the market to find the carrier that has not overreacted to your zip code.
Is hail damage to my car covered?
Only if you carry comprehensive coverage, which is separate from collision. After a metro hailstorm, comprehensive claims spike. We confirm you carry it and that your deductible makes sense for a hail-prone area.
My home is from the 1920s. What coverage do I need?
Older Denver homes need ordinance-or-law coverage so a covered claim pays to rebuild to current code, plus an honest replacement-cost figure and attention to knob-and-tube wiring and old roofs. We build the policy around the real house, not a generic estimate.
I rent my place on Airbnb. Am I covered?
Not under a standard home policy, which excludes business and short-term-rental use. Denver also requires an STR license. We place coverage designed for short-term rentals so a guest claim does not get denied.
Do I need separate condo insurance?
Yes. An HO-6 covers your walls-in finishes, personal property, liability, and loss assessment when the building's master policy bills owners for a shared loss. We size the walls-in and loss-assessment limits to your building's actual master policy.
A carrier dropped me. Can you help?
Yes. Nonrenewal is common in hail and wildfire markets and usually is not about you. We specialize in placing homes that standard carriers have declined or nonrenewed.
Get a Denver insurance quote
Independent, more than 100 carriers, coverage that fits a real Denver address.