Agency of the Rockies

How Much Dwelling Coverage Do I Need? Most Colorado homeowners need enough home insurance to rebuild their home at today’s construction costs, replace their belongings, cover temporary living expenses, and protect themselves from liability claims. The right amount of coverage is based on replacement (rebuild) cost, not market value. You need dwelling coverage equal to…

When you’re shopping for a new car, there’s one cost that people often overlook: auto insurance. Your vehicle choice can impact your insurance premium just as much as your driving record or ZIP code. Some models are naturally more expensive to insure, while others consistently land among the most affordable. Here’s a detailed break down of why…

What Homeowners Don’t Realize Until It’s Too Late If you live in Colorado, you already know that hail and windstorms aren’t rare events—they’re an annual reality. According to the Colorado Division of Insurance (DOI), Colorado consistently ranks among the top five states in the nation for hail damage claims. At Agency of the Rockies, we…

Think saving on insurance has to be complicated? Bundling your home and auto insurance can simplify your coverage—and often save you money. Here’s a closer look at what those savings look like for Colorado residents. Want to talk specifics with to get the best, most cost-effective coverage? Contact us to today or give us a…

Insights from Reddit & the Division of Insurance If you’re seeing hefty hikes in your insurance rates—even with no claims—you’re not alone. Reddit users across Colorado are speaking up, and the Colorado Division of Insurance (DOI) confirms that these hikes aren’t random—they’re driven by real risks and systemic challenges. Here’s what’s going on beneath the…

What Every Homeowner and Driver Should Know: Insurance in Colorado isn’t one-size-fits-all. From hailstorms on the Front Range to wildfires in the mountains, Colorado residents face unique risks that directly impact both home insurance and auto insurance. Whether you’re a first-time homeowner in Denver, a commuter in Colorado Springs, or living in the foothills outside…