Agency of the Rockies

Englewood Home & Auto Insurance | Agency of the Rockies

Most insurance agencies talk about being “local.” We actually are — our office sits at 3333 S. Bannock St., Suite 880, right here in Englewood. When you work with Agency of the Rockies, you’re working with neighbors who deal with the same hail, the same premiums, and the same South Metro roads you do. We make insurance not suck, and we’d put our Englewood home and auto coverage up against any agency in Colorado.

Insurance built for Englewood and the South Metro

Englewood sits in Arapahoe County just south of Denver, and homeowners and drivers here face the same Front Range risks as the rest of the metro — with a few local wrinkles. Whether you’re in an older bungalow near South Broadway, a newer build near Englewood CityCenter, or a townhome close to Swedish Medical Center, your coverage should reflect how and where you actually live. Being based in town means we know these neighborhoods, these ZIP codes (80110, 80113), and the storms that roll through them.

Why Englewood premiums keep climbing

Colorado homeowners insurance has climbed roughly 65% over the past five years, putting the state among the ten most expensive in the country. The biggest reason isn’t wildfire — it’s hail. The Colorado Division of Insurance found that hail is the single largest driver of homeowners premiums statewide, responsible for anywhere from a quarter to more than half of a typical premium. The Denver-Englewood area gets hammered nearly every season; the May 2024 metro storm alone caused more than $2 billion in damage.

On auto, the South Metro benefits from a recent statewide drop in vehicle theft — down about a third from 2024 to 2025 — but the Denver metro still sees the bulk of Colorado’s stolen cars, and that keeps comprehensive coverage important for Englewood drivers.

Home insurance in Englewood

With hail driving so much of the cost here, the fine print on your homeowners policy is where the real money is:

  • Roof coverage type. Replacement cost vs. actual cash value can be a multi-thousand-dollar difference after a hail claim. We’ll tell you which you have.
  • Your hail/wind deductible. Often a separate percentage of your home’s value — you want to know that number now, not mid-claim.
  • Extended replacement cost. Protects you from being underinsured as rebuild costs rise.
  • Impact-resistant roof discounts and Colorado’s new SB-155 hail-roof grant program, which can lower what you pay.

Auto insurance in Englewood

Between Santa Fe, Broadway, Hampden, and the run up to I-25, Englewood drivers cover a lot of ground. We help you get the coverage that fits:

  • Comprehensive coverage for hail dents and theft — not just the state-minimum liability.
  • Liability limits sized to protect your home and savings.
  • Uninsured/underinsured motorist protection for crowded metro roads.
  • 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.

Your neighbors at one of the best insurance agencies in Colorado

Being based in Englewood isn’t a marketing line for us — it’s where we are. You can call us, stop by, and reach a real person when a storm hits. We skip the jargon, we don’t vanish after the sale, and we make the confusing parts of insurance actually make sense. That combination of local roots and straight talk is why we’re proud to be one of the best insurance agencies in Colorado for home and auto.

New to all this, or just want a clear breakdown? Start with what to look for in the best home and auto insurance agent in Colorado.

Englewood Insurance FAQ

Where is Agency of the Rockies located?

We’re at 3333 S. Bannock St., Suite 880, Englewood, CO 80110. You can reach us at (303) 420-6000. Being based right in Englewood means local, responsive service when you need it most.

Why is home insurance so expensive in Englewood and the Denver metro?

Hail. The Colorado Division of Insurance found hail is the biggest driver of homeowners premiums statewide, and the Denver-Englewood area is hit nearly every season. Frequent, costly storms raise rates across the area, which makes how your policy is built especially important.

Does Agency of the Rockies cover areas outside Englewood?

Yes. We’re based in Englewood but serve homeowners and drivers across the Denver metro and all of Colorado for home, auto, and umbrella coverage.

How do I get an Englewood home and auto quote?

Call (303) 420-6000 or use our contact page. We’ll review your current coverage, point out the gaps, and build a policy that fits the South Metro.

Talk to a local Englewood agent

We’re right down the street. Contact Agency of the Rockies or call (303) 420-6000 and let’s make sure your home and auto coverage actually fits your life in Englewood.

Sources