Colorado Insurance Agency: Finding You The Right Coverage
Finding the right insurance coverage to protect your home, auto, business, and family in Colorado can be overwhelming.
With countless insurance companies and policies to choose from, how do you know you’re getting the best value and protection?
Look no further than The Allen Thomas Group – your trusted independent insurance agency serving Colorado for over 20 years.
Our dedicated team of insurance advisors takes the confusion out of insurance by getting to know you, understanding your unique risks and exposures, and customizing an insurance plan that fits your needs and budget.
We represent over 15 top-rated insurance carriers, allowing us to compare quotes and get you the optimal coverage at the best price.
So give our team a call today and see how we can help.
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Why Choose The Allen Thomas Group for Your Colorado Insurance Needs?
As an independent insurance agency, our allegiance rests solely with you, our client – not any one insurance company.
We are able to provide unbiased recommendations and transparent guidance to serve your best interests. Here are some key reasons to choose our Colorado insurance agency:
- Local Knowledge – Our agents live in and understand the Colorado insurance market. We stay on top of changes to state regulations and work closely with local organizations.
- Trusted Carriers – We partner with reputable national and regional insurance carriers like Progressive, Travelers, Hartford, and Safeco.
- Customized Plans – We tailor policies to your unique risks and don’t push “one-size-fits-all” plans.
- Personalized Service – Our advisors get to know you and provide ongoing support when you need it.
- Competitive Rates – We leverage our carrier relationships to get you the best rates possible.
- Claims Support – We act as your advocate and guide you through the claims process start to finish.
Here at The Allen Thomas Group, our dedicated team of agents truly cares and aims to make insurance simple.
We combine years of expertise with a personal touch to best protect what matters most to you.
Our licensed agents have years of experience tailored to the unique needs of Colorado residents and businesses.
We invite you to contact us today to discuss your insurance needs, get quotes for free with no obligation, and find policies that fit your lifestyle and budget. Reach out online or over the phone.
When you work with The Allen Thomas Group, you’re not just another account – you become part of our family.
We value building long-term relationships and being your trusted advisor for all aspects of your insurance program.
Personal And Business Insurance Solutions in Colorado Built For You
We know how frustrating and complex the process of finding the right insurance can be.
Let us help fix it for you in 3 easy steps!
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Lower premiums don’t have to mean less coverage. You need a trusted agent who knows where to look.
Cities We Serve In Colorado
Alamosa
Applewood
Aspen
Avon
Battlement Mesa
Berkley
Berthoud
Black Forest
Brush
Cañon City
Carbondale
Castle Pines
Cherry Creek
Cherry Hills Village
Cimarron Hills
Clifton
Columbine
Cortez
Craig
Dacono
Delta
Derby
Dove Valley
Durango
Eagle
Eaton
Edgewater
Edwards
Erie
Estes Park
Evans
Evergreen
Fairmount
Federal Heights
Firestone
Fort Carson
Fort Lupton
Fort Morgan
Frederick
Fruita
Fruitvale
Glendale
Gleneagle
Glenwood Springs
Golden
Greenwood Village
Gunbarrel
Gunnison
Gypsum
Johnstown
La Junta
Lamar
Lochbuie
Lone Tree
Louisville
Manitou Springs
Milliken
Montrose
Monument
New Castle
Orchard Mesa
Pueblo West
Redlands
Rifle
Roxborough Park
Salida
Severance
Shaw Heights
Sheridan
Sherrelwood
Steamboat Springs
Sterling
Stonegate
Stratmoor
Superior
The Pinery
Trinidad
Twin Lakes
Vail
Welby
Wellington
Windsor
Woodland Park
Woodmoor
Our Coverage Options
From auto insurance to business policies and everything in between, The Allen Thomas Group is your one-stop shop for insurance in Colorado.
Our comprehensive insurance solutions include:
Auto Insurance
Driving in Colorado presents its own challenges from winter storms to mountain roads.
We’ll help equip your vehicles with the right auto insurance coverage at competitive rates:
- Liability – Bodily injury and property damage
- Comprehensive – Damage from theft, vandalism, weather
- Collision – Damage from accidents
- Medical Payments – Injuries to you/passengers
- Uninsured/Underinsured Motorist – Protects against uninsured drivers
- Rental reimbursement
Homeowners Insurance
Your home is likely your most valuable asset. Protect it properly with HO-2, HO-3, HO-5, or condo insurance customized for your property.
We’ll help you understand dwelling vs replacement cost, pick the right deductible, and include add-ons like:
- Flood insurance
- Water/sewer backup
- Identity theft
Life Insurance
Life insurance provides essential financial security for your loved ones.
We’ll explain your policy options and help determine the right amount and type of life insurance to meet your needs:
- Term – Affordable temporary coverage
- Whole – Lifelong coverage with cash value savings
- Universal – Flexible permanent coverage
Business Insurance
Running a Colorado business comes with risks.
We understand your exposures and will create a customized plan to protect your company assets, reputation and employees:
- General liability – Protects against claims of bodily injury, property damage
- Commercial auto
- Workers comp – Covers injuries employees sustain on the job
- Professional liability – Protects against claims of professional advice/services
- Cyber liability – Covers data breaches and hacks
- Business interruption – Replaces lost income if you can’t operate
We know insurance can be complex and confusing.
Here we’ve answered some common questions from Colorado residents and business owners about protecting their assets.
What types of insurance do I need living in Colorado?
Colorado residents need coverage for high-risk exposures like snow storms, hail damage, wildfires, and recreational accidents.
We recommend homeowners insurance, auto insurance, umbrella liability insurance, flood insurance if living near water, and recreational vehicle insurance for boats, ATVs and snowmobiles.
How much car insurance is required in Colorado?
Colorado is an at-fault state that requires:
- Bodily injury liability coverage: $25,000 per person, $50,000 per accident
- Property damage liability coverage: $15,000
- Uninsured/underinsured motorist bodily injury: $25,000 per person, $50,000 per accident
We recommend 100/300/100 minimum liability limits and comprehensive + collision coverage.
What does home insurance cover in Colorado?
A typical HO-3 policy covers your dwelling, other structures like sheds, personal property/belongings, loss of use, personal liability, and medical payments.
We recommend endorsements to cover sewer/drain backups and roof damage from hail storms.
How much homeowners insurance do I need in Colorado?
Aim to insure your home for 100% of the rebuild cost, not market value. This ensures you can fully rebuild after a total loss. We use replacement cost calculators specific to Colorado to determine the right amount.
What business insurance does Colorado require?
Liability insurance like general liability and workers compensation are legally required. We also recommend commercial auto, professional liability, cyber and data breach coverage, depending on your situation to fully protect your Colorado business.
How can I save money on Colorado insurance?
Bundling home and auto policies, raising deductibles, installing protective devices like smoke alarms, maintaining good credit, taking defensive driving courses, and comparing quotes regularly can help lower insurance premiums.
Our Carrier Partners
That allows us to find the best rates for your personal and business needs
Get Expert Guidance for Your Unique Insurance Need In Colorado With The Allen Thomas Group
Insurance policies can be confusing! Our Colorado insurance advisors take the headache out of insurance by guiding you each step of the way:
- Policy Review – We’ll examine your current policies to ensure proper coverage.
- Risk Evaluation – We learn about your assets, health, lifestyle and exposures.
- Recommendations – We suggest tailored solutions that make sense for your scenario.
- Quotes – We shop multiple carriers to get you the best rates possible.
- Enrollment – We walk you through the application process start to finish.
- Claims – We assist with filing claims and follow up until they are resolved.
- Ongoing Support – We’re always here to answer questions and modify policies as your needs change.
Don’t leave yourself and your valuables at risk – get in touch with The Allen Thomas Group to discuss your insurance options in Colorado.
Call (440) 826-3676 or request a free quote online to get started.
We look forward to providing you with trusted insurance guidance, optimal coverage, and peace of mind.
