Agency of the Rockies

Aurora Home & Auto Insurance | Agency of the Rockies

Aurora is hail country, plain and simple. The east side of the city — out along the E-470 corridor through Central Park, Saddle Rock, Southlands, and Tallyn’s Reach — sits in one of the highest-frequency hail zones in all of Colorado, and storm seasons here regularly turn into some of the biggest claim cycles the state has ever seen. Add Buckley Space Force Base and a constantly moving military community on top of that, and Aurora needs an agency that actually knows the local risk. At Agency of the Rockies, we build home and auto coverage around how Aurora actually gets hit instead of handing you a one-size-fits-all quote. We make insurance not suck, and we’d put our Aurora coverage up against any agency in the state.

Aurora sits in Colorado’s worst hail corridor

Aurora’s eastern ZIP codes — 80013, 80015, 80016, 80017, 80018, and 80019 — are consistently among the highest hail-frequency, highest claim-paid areas in the state. This is the stretch of plains-facing metro where summer supercells organize after clearing the foothills and drop large hail on neighborhoods like Central Park (formerly Stapleton), Saddle Rock, Southlands, Beacon Point, and Seven Lakes. The 2018, 2020 (Tower Road), and 2023 storm cycles each produced some of the most heavily re-roofed ZIP codes across the entire Denver metro, and a single May 2024 metro storm caused more than $2 billion in damage in a matter of hours.

The Colorado Division of Insurance and the Governor’s office have both identified hail as the single biggest driver of rising homeowners premiums statewide — and Aurora is at the center of it. Colorado is now the sixth most expensive state in the nation for homeowners insurance. If you own a home on Aurora’s east side, getting your roof coverage right is the most important insurance decision you’ll make.

Home insurance in Aurora

A few things matter more here than almost anywhere else in the metro:

  • Your wind/hail deductible. Most Colorado carriers have moved off flat-dollar deductibles to a percentage of your dwelling coverage — typically 1–5%. On a $500,000 home, a 2% hail deductible is $10,000 out of pocket before the carrier pays a dime. Knowing this number before a storm hits is critical.
  • Replacement cost vs. actual cash value on your roof. If your policy pays your roof on actual cash value (ACV), depreciation comes out of your check — and an older roof can be paid at a fraction of what a new one costs. We make sure you understand which settlement applies before you need it.
  • Impact-resistant roofing. A Class 4 impact-rated roof can earn meaningful premium credits (often 10–20%) and stand up far better to Aurora hail. Colorado’s SB-155 program adds discounts for resilient roofing.
  • Right-sized rebuild limits. Construction costs have jumped; extended replacement cost protects you from being underinsured if a total loss costs more than your policy limit.

Military families and PCS moves (Buckley Space Force Base)

Buckley Space Force Base sits right in Aurora, which means a big share of the city is military — and military life puts unique demands on insurance. We help service members and their families with:

  • PCS moves — keeping auto and home/renters coverage continuous when you transfer in or out of Colorado, so you’re never caught with a gap.
  • Renters coverage for on- and off-base housing, including protection for your belongings.
  • Coverage during deployment — adjusting auto coverage when a vehicle goes into storage rather than dropping it entirely.
  • Garaging and address changes that affect your rate when you move between duty stations.

Auto insurance in Aurora

Between I-225, E-470, and hail that dents cars as easily as it shreds roofs, Aurora drivers need more than the state minimum:

  • Comprehensive coverage for hail, theft, and weather damage — this is what pays for a hail-dented car.
  • Liability limits sized to protect your home and savings.
  • Uninsured/underinsured motorist protection.
  • Home-and-auto bundling for a multi-policy discount and one agent who knows your whole picture.

Umbrella coverage for added peace of mind

Own your home, have a teen driver, or built up some assets? An umbrella policy stacks extra liability protection on top of your home and auto for a surprisingly small yearly cost. We’ll give you a straight answer on whether it’s worth it for you.

One of the best insurance agencies in Colorado

Aurora is a hail-first market with a huge, constantly moving military population layered on top — exactly the kind of place where a one-size-fits-all online quote leaves you exposed. We speak plainly, we know how the east-metro hail corridor actually behaves, and we stay in your corner when a claim gets complicated. That’s why we’re proud to be one of the best insurance agencies in Colorado for home and auto.

Want the bigger picture? See what to look for in the best home and auto insurance agent in Colorado, read our step-by-step Colorado hail damage insurance claim guide, or browse our coverage pages for Denver, Englewood, and Colorado Springs.

Areas we serve around Aurora

We work with homeowners and drivers across Aurora and the east metro — including Central Park, Saddle Rock, Southlands, Tallyn’s Reach, Beacon Point, Seven Lakes, Heritage Eagle Bend, Murphy Creek, and the communities around Buckley Space Force Base, plus neighboring Arapahoe, Adams, and Douglas County. Wherever you are on the east side, we can help.

Aurora Insurance FAQ

Why is home insurance so expensive in Aurora?

Hail. Aurora’s east side sits in one of the highest-frequency, highest-claim hail corridors in Colorado, and the state’s Division of Insurance has identified hail as the single biggest driver of homeowners premiums statewide. Colorado is now the sixth most expensive state for homeowners insurance, and Aurora feels the main reason why.

What is a wind/hail deductible, and why does it matter so much here?

It’s a separate deductible that applies only to wind- and hail-related claims, and on most Colorado policies it’s now a percentage of your dwelling coverage (often 1–5%) rather than a flat dollar amount. On a $500,000 home, a 2% deductible means $10,000 out of pocket before your carrier pays. Given how often Aurora gets hit, knowing this number ahead of time is one of the most important things you can do.

Will a new roof lower my premium?

It can. A Class 4 impact-resistant roof often earns a premium credit (frequently 10–20%) and holds up far better to Aurora hail, and Colorado’s SB-155 program adds discounts for resilient roofing. We’ll help you weigh the upgrade against your current rate.

I’m active-duty at Buckley and PCSing. How do I handle insurance?

Talk to us before you move. We’ll keep your auto and home or renters coverage continuous across the transfer, adjust coverage for a vehicle going into storage during deployment, and update garaging details so your rate is correct at your new duty station.

How do I get an Aurora home and auto quote?

Call (303) 420-6000 or use our contact page. We’ll review your current coverage, flag the gaps — especially your roof settlement and hail deductible — and build a policy that fits your part of Aurora.

Talk to a Colorado agent who knows Aurora

Hail, a Buckley PCS, or just a better rate — we’ve got you. Contact Agency of the Rockies or call (303) 420-6000, and let’s build coverage that actually fits life on Aurora’s east side.

Sources