Agency of the Rockies serves homeowners, renters, and drivers across the entire state of Colorado. We’re one of the best insurance agencies in Colorado for home and auto coverage — and because we’re based right here on the Front Range, we know that insurance in Boulder looks nothing like insurance on the eastern plains. We make insurance not suck, wherever in Colorado you call home.
Colorado’s risk map, in plain English
Two forces drive Colorado’s home insurance costs, and where you live determines which one hits hardest. Hail is the single biggest driver of homeowners premiums statewide, according to the Colorado Division of Insurance — the Front Range and eastern plains get hammered nearly every season. Wildfire dominates in the foothills and mountain communities, where premiums have spiked and non-renewals have become common. Colorado is now the sixth most expensive state in the country for homeowners insurance. The right coverage starts with knowing which risks your address actually faces — and that’s where a local agency earns its keep.
Areas we serve across Colorado
Denver
Hail and auto theft drive the metro’s costs. Denver home & auto insurance →
Aurora
Severe east-metro hail and Buckley Space Force Base PCS moves. Aurora home & auto insurance →
Englewood
Our home base in the south metro — local, responsive coverage. Englewood home & auto insurance →
Littleton
South-metro coverage with a wildfire angle for foothill-edge neighborhoods. Littleton home & auto insurance →
Lakewood
First in line when hail rolls off the foothills, plus Green Mountain wildfire scores. Lakewood home & auto insurance →
Boulder
Wildfire risk, non-renewals, and the Colorado FAIR Plan — the toughest market in the state. Boulder home & auto insurance →
Colorado Springs
West-side wildfire, eastern hail, and coverage built for military families and PCS moves. Colorado Springs home & auto insurance →
Fort Collins
Foothills wildfire, plains hail, and renters and rental-property coverage for the CSU community. Fort Collins home & auto insurance →
Don’t see your city?
These are just the communities we write about most — we serve homeowners and drivers across all of Colorado. If your town isn’t listed, you’re still covered. Just reach out and we’ll build a policy that fits where you live.
New to working with an agent? Start with what to look for in the best home and auto insurance agent in Colorado.
Get coverage that fits your corner of Colorado
Contact Agency of the Rockies or call (303) 420-6000. We’re one of the best insurance agencies in Colorado for home and auto — and we’d love to prove it, wherever you are in the state.
Sources
- Colorado Public Radio — Colorado Division of Insurance analysis on hail as the leading statewide driver of homeowners premiums (February 2026).
- Colorado State University, Regional Economic Development Institute — Colorado ranked sixth-costliest state for homeowners insurance, driven by wildfire risk.