Home Insurance in Colorado

How We Shop for Your Coverage

When we shop for your homeowner’s insurance, we move through three markets:

Standard (Admitted) → Specialty → Surplus Lines

We always start with the standard market because it typically offers the most competitive pricing and the strongest consumer protections. If your home doesn’t qualify there — due to location, claims history, wildfire risk, wind exposure, or unique features — we then explore specialty and surplus options.

In states like Colorado and New Mexico, some homes (such as those in wildfire- or wind-prone areas) may only qualify in the surplus market or through options like the FAIR Plan.

What’s the Difference?

Standard (Admitted) Insurance

Heavily regulated by the state
Rates and policy forms must be state-approved
Protected by state guaranty funds if a carrier becomes insolvent
Typically, the most cost-effective option

Surplus (Non-Admitted) Insurance

Designed for higher-risk or unique properties
Offers more flexibility in coverage terms
Not backed by state guaranty funds
Often higher premiums and deductibles
Usually requires proof that standard carriers declined coverage

What This Means for You

Our job is to find the best available coverage at the best value for your specific home, even when the market is challenging. We’ll clearly explain your options, the differences in protection, and why a certain market may be necessary.

You’ll never be left guessing.