Independent insurance for Colorado’s Front Range
Colorado coverage, compared clearly.
Centennial and Denver-metro families and businesses compare home, auto, business, life and umbrella options with a local agent.
- Independent agency — We compare carriers rather than sell one
- Licensed agent since 2001 — Melissa has held an insurance licence since Sept 2001
- BBB A+ rating — Not a BBB-accredited business
- You speak to the owner — Melissa Boone answers — no call centre, no handoff
BBB rating verified 17 Aug 2026 — see the profile. Not a BBB-accredited business.
Choose what to protect
Start with what matters most
Five lines of coverage, plus a route for anyone who would rather talk.
Auto Insurance
Auto Insurance
Colorado requires 25/50/15. We quote above it, work through the discounts each carrier lists, and can approach carriers that write drivers other agencies decline — including SR-22 filings.Compare coverage optionsBusiness Insurance
Business Insurance
A Business Owners Policy bundles property, liability and equipment. From there it depends on your trade: commercial auto, liquor liability, cyber, or workers compensation through Pinnacol.Compare coverage optionsLife Insurance
Life Insurance
Term covers a fixed period at the lowest cost; permanent stays in force for life. We size it against your actual mortgage, income and commitments rather than a round number.Compare coverage optionsUmbrella Policies
Umbrella Policies
Liability that sits above your home and auto limits and takes over once those are exhausted. Usually the cheapest protection per dollar of limit that you can buy.Compare coverage optionsNot sure? Guide me.
Tell us what you own and who is on the policy. We will work out which coverage actually applies to you.Review my coverage
The Rocky Mountain difference
One agency, many carriers, two people who answer
We are independent, so we are not tied to one insurer. When a renewal arrives higher, we can take your coverage back out to the market.
No call center. The person who set up your policy is the person you reach when something changes.
- We listen firstWhat you own, who drives, what a loss would actually cost you.
- We compareThe same risk priced across the carriers we can access.
- We stay involvedRenewals, changes and questions go to a person who knows your file.
- 1Tell us what you haveSend your current declarations pages, or just describe the situation.
- 2We shop itWe compare what the carriers we work with will offer for your risk.
- 3You decideWe lay out the options and the trade-offs. No pressure to move.
Built for Colorado realities
Three things worth checking before you need them
What comes up most on Front Range policies. None of this states what your policy covers — that depends on your policy, carrier and underwriting.
Hail and your rebuild cost
Many Colorado policies set a separate wind-and-hail deductible as a percentage of your dwelling limit, not a flat amount. Worth knowing which yours is — and whether that limit still covers a rebuild.
Source: NOAA Storm Prediction Center — hail climatologyWildfire and the wildland-urban interface
Carriers score wildfire exposure address by address, and not all of them score it the same way. If you sit near open space, better to learn how your carrier sees it before renewal.
Source: Colorado State Forest Service — wildfire riskWinter driving and your auto limits
Colorado requires liability of 25/50/15. Those are minimums, not recommendations, and were not set with current medical or vehicle costs in mind.
Source: Colorado Division of Insurance — auto insurance
General information, not advice about your policy. Whether a specific loss is covered depends on your policy wording, endorsements, exclusions, limits and your carrier’s underwriting. Questions go to Melissa Boone, owner and a licensed insurance agent since September 2001.
Want your own policy read the same way?
Local answers
Questions we get from Colorado clients
What does a Colorado hail deductible actually mean for me?
Many Colorado homeowners policies apply a separate deductible to wind and hail, often as a percentage of your dwelling limit rather than a flat figure. On a $600,000 limit, 2% is $12,000 before the carrier pays anything. Which you have is on your declarations page — it is the first thing we look at.
Why use an independent agent instead of going direct?
An independent agency puts the same risk in front of several carriers and shows you what each will do with it. A captive agent has one company to offer. Whether that saves money in a given year depends on the carriers and your risk — but you see the spread, not one number.
When should I have my coverage reviewed?
Annually before renewal, and after anything that changes your exposure: a renovation, a new roof, a teen driver, a new vehicle, a growing business, a move. Colorado construction costs have moved enough that older dwelling limits are worth re-checking.
Can you help if I have tickets, an accident or an SR-22?
Often, yes. We can approach carriers that write drivers other agencies decline, and we handle SR-22 filings. Acceptance and pricing are still down to each carrier’s underwriting — we can tell you what is available, not guarantee an outcome.
Tell us what you have — we will tell you what we see