Licensed in Colorado

Insurance for Colorado Homes, Vehicles, and Businesses

Colorado is home. Our office is in Colorado Springs, and Marcy has spent three decades helping people along the Front Range and across the state protect what they have built. Colorado presents a specific combination of risks that surprises people who move here, and the coverage details matter more than the price on the declarations page.

How we work with Colorado clients

Our only office is in Colorado Springs, CO, and Colorado is our home state. You can call, text, email, or arrange a time to talk through your coverage in person.

Call 719-426-2233 Text 719-394-6411

What Colorado clients ask about most

Hail is the claim you should plan for

The Front Range sits in one of the most hail prone corridors in the country, and hail is a leading driver of homeowners claims and premium in this part of Colorado. What matters most is how your policy settles a roof loss. Some policies pay replacement cost, while others pay actual cash value on roofs, which subtracts depreciation and can leave a large gap. Many policies also carry a separate wind and hail deductible that is a percentage of the dwelling limit rather than a flat dollar amount. Reading those two terms before a storm is the single most useful thing a Colorado homeowner can do.

Wildfire, mitigation, and non-renewal

Properties in the wildland urban interface face growing scrutiny. Some homeowners receive non-renewal notices, and some find fewer carriers willing to quote. Documented mitigation work such as defensible space, ember resistant vents, and roofing choices can affect both eligibility and price with certain carriers. If you have received a non-renewal, an independent agent with a wide carrier list is genuinely useful, because the answer is often a different company rather than no coverage at all.

Rebuilding costs and underinsurance

Colorado has learned hard lessons about underinsurance after total losses. Dwelling coverage should reflect what it would cost to rebuild your home today, including labor and materials in your area, which is often quite different from market value or what you paid. Extended replacement cost and law and ordinance coverage are the endorsements worth understanding, because they address the gap that shows up only after a catastrophic loss.

Mountain properties and short term rentals

Second homes in the mountain counties bring their own issues: seasonal vacancy, freeze risk when nobody is there, wildfire exposure, and rental activity. Standard homeowners forms often limit or exclude coverage once a property is rented to guests regularly. If you rent a place out, even occasionally, that needs to be disclosed and written correctly.

Auto coverage and hail

Comprehensive coverage, not collision, is what responds to hail damage on a vehicle. Drivers who carry liability only have no coverage for a hail damaged car. Uninsured and underinsured motorist coverage is also worth reviewing, since a meaningful share of drivers on the road carry no insurance at all.

Coverage we write in Colorado

Homeowners with hail and wildfire exposure
Landlord and rental property
Mountain and second homes
Personal auto and recreational vehicles
Commercial, contractor, and farm coverage
Life, annuities, and final expense

See how each coverage works →

Areas we serve in Colorado

Colorado Springs and El Paso County
Monument, Falcon, Fountain, and Peyton
Woodland Park and Teller County
Pueblo
Denver, Aurora, and the Front Range
Mountain and Western Slope communities

Also licensed in

Florida insurance →Pennsylvania insurance →

Moving between these states, or splitting your year across them? Because Marcy is licensed in all three, she can handle both ends of the move rather than handing you off.

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