Personal Insurance Coverage for Colorado & Wyoming Families

It depends on your situation, but most people need at least auto insurance (required by law), homeowners or renters insurance, and often life insurance for long-term planning. If you own other assets like a motorcycle, ATV, or boat—or if you want extra liability protection—those are worth covering too. We can help you figure out what makes the most sense for your life.

In most cases, yes. Bundling home and auto coverage with the same carrier can save you 10% to 25%, and it usually simplifies billing and claims. We’ll check with multiple carriers to find out where bundling benefits you most—sometimes it’s worth it, sometimes it’s better to split. We’ll walk you through it.

Term life covers you for a set number of years—typically 10, 20, or 30—and is usually more affordable. Whole life lasts your entire lifetime and builds cash value you can borrow against. Not sure which to pick? We’ll help you understand the pros and cons based on your goals.

If you have a lot to protect—like a home, savings, or rental property—it’s worth considering. Umbrella insurance kicks in if you hit the limit on your auto or homeowners liability coverage. For example, if you’re at fault in a serious accident and sued for more than your policy covers, umbrella insurance helps cover the difference. It's usually affordable for the amount of coverage you get.

Yes. We work with carriers that offer specialized coverage for high-value homes, second homes, and unique properties—whether you're in a luxury subdivision in Cherry Hills or a custom build outside Casper. We’ll make sure your home is properly valued and covered.

There are many, depending on the type of policy. Common discounts include multi-policy (bundling), safe driver, good student, new roof/home safety systems, and paperless billing. When we quote policies, we look at all available discounts to help you save.

We do. If you own a snowmobile, ATV, dirt bike, or RV, we can help you insure it for seasonal or full-year use. We’ll also make sure coverage fits how and where you use it—whether you're riding in the Snowy Range or taking a summer trip to Grand Lake.

Yes. Our licensed agents work out of offices in Englewood, CO and Casper, WY—and we serve clients throughout both states. You’ll speak with someone who knows your area, understands local risks, and is ready to help.

Easy. Call us, email us, or fill out our online quote form. We’ll have a quick conversation about what you need, explain your options, and help you decide what works best—no pressure, no confusing language.