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Fort Collins families and businesses protected
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We work for you, not insurance companies
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Fort Collins owned & operated since 1992
Insurance risks you can't ignore
Protect what matters most before it's too late
Hidden traps in your current insurance coverage
Most families have critical vulnerabilities in their coverage that could devastate their financial future. Outdated limits, hidden exclusions, and policy gaps leave you exposed—and you won't know until you file a claim. Our independent agents review policies every day and consistently find issues that could cost families hundreds of thousands of dollars. Let us review yours before disaster strikes.
Uncover dangerous coverage gaps
Insurance companies write policies to protect themselves, not you. We find the hidden exclusions before you need to file a claim.
Know your true risk exposure
Most families have no idea what's actually covered until it's too late. We translate the fine print into plain English.
Eliminate insurance blind spots
Every policy has areas where you think you're covered but aren't. We identify them before they become disasters.
Build a protection strategy
Insurance isn't about policies—it's about having the right strategy to protect everything you've built.
Insurance stories that matter
Real people. Real protection. Real peace of mind.
Your insurance journey unfolds
Simple steps to comprehensive protection that matters
Step 1: Immediate expert attention
Within hours of your request, a licensed agent begins reviewing your needs and designing your solution.
Step 2: Customized coverage design
Through detailed consultation, we build protection tailored to your unique situation, not a standard package.
Step 3: Ongoing confident protection
Your coverage adapts as your life changes, with annual reviews and proactive adjustments to keep you protected.
FAQs
Find answers to your most pressing insurance questions right here.
Choose coverage limits based on the size of your contracts, potential risks, and financial impact of claims. Consulting a knowledgeable broker helps tailor limits to your needs.
Retailers, restaurants, small offices, and service businesses with property and liability risks benefit most from a BOP in Colorado and Utah’s high-risk environments.
Renters insurance generally excludes damage to the building structure, floods, earthquakes, pest issues, and your roommate's belongings unless specifically added. Additional policies may be needed for full protection.
Loss assessment coverage helps pay your share of HOA-imposed costs when damage to common areas or liability claims exceed your condo or townhome association’s master policy. It’s crucial protection for Colorado and Utah owners facing special assessments that can reach thousands of dollars.
SR-22 coverage limits typically require meeting or exceeding your state27s minimum liability insurance requirements, such as $25,000 bodily injury per person in Colorado. Always verify with your state and insurer to ensure compliance.
Permanent partial disability benefits compensate workers in Colorado and Utah who have a lasting impairment that limits but does not completely prevent their ability to work. These benefits are based on medical disability ratings and help offset long-term financial impacts.
Umbrella coverage typically requires you to have minimum liability limits on your underlying auto and homeowners policies—often $250,000/$500,000 for auto and $300,000 for home—and a solid insurance history to qualify. These ensure your primary coverage is strong before adding extra protection.
Condo insurance covers special assessments only if they're due to a covered peril, like hail or fire. Routine maintenance or improvement assessments typically aren't covered—loss assessment coverage is key.
Monthly car insurance in Colorado averages $97–$110, while Utah drivers typically pay $90–$105. Rates vary based on your location, driving record, and coverage choices.
Standard condo and townhome insurance in Colorado and Utah typically covers damage from fire, wind, hail, and lightning. Floods and earthquakes require separate policies.
Commercial insurance safeguards businesses from risks. It encompasses various policies, including liability, property, and workers' compensation. These protections are essential for business continuity.
To file a claim, contact your insurance agent or the claims department. Provide necessary documentation and details of the incident. Follow up to ensure your claim is processed.
Coverage limit is the maximum amount an insurer will pay for a covered loss. It varies by policy and can affect your premium. Understanding your limits is crucial for adequate protection.
Yes, you can change your policy at any time. Contact your agent to discuss your options and any potential impacts on your premium. Adjustments can help better meet your needs.
Still have questions?
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