Local Resources
Insurance Professionals & Risk Advisors
Understanding coverage before closing helps prevent unexpected challenges later.
Insurance is an important part of protecting your property, investments, business, and financial future.
Whether you're purchasing your first home, buying investment property, operating a ranch, purchasing commercial real estate, or planning new construction, understanding your insurance options before closing can help prevent unexpected challenges later.
This page is designed to help you understand when insurance professionals can help, the types of coverage commonly considered, questions you may want to ask, and local insurance resources serving Northwestern Colorado and Northeastern Utah.
01
What They Do
Insurance professionals may assist with homeowners insurance; commercial property insurance; general liability; business owner policies (BOP); farm and ranch insurance; vacant property insurance; builder's risk insurance; umbrella liability; flood insurance; wildfire risk coverage; equipment and machinery coverage; workers' compensation; commercial auto; rental property insurance; landlord policies; personal auto; and recreational property coverage.
02
When You Might Need One
- Purchasing a home
- Buying investment property
- Purchasing commercial real estate
- Buying a ranch or agricultural property
- Building a new home
- Starting a business
- Purchasing vacant land
- Reviewing existing coverage
- Estate planning
- Property renovations
03
Why Their Role Matters
Insurance is more than simply satisfying a lender's requirements. The right coverage can help protect your property, income, investments, and financial goals while reducing the impact of unexpected events. Reviewing insurance needs before purchasing property can also help identify coverage limitations, underwriting concerns, or premium costs that may influence your decision.
04
Questions to Ask Before You Hire
- Do you regularly insure properties like mine?
- Do you represent multiple insurance carriers?
- Are replacement cost and actual cash value explained?
- Are wildfire or flood exclusions applicable?
- What deductibles should I consider?
- Does this policy cover rental property?
- What liability limits are recommended?
- Are there discounts available?
- How are claims handled?
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Local Resources Serving This Area
Choosing the right professional is an important decision.Take time to compare experience, communication style, availability, services, and pricing.We're happy to help you think through which types of expertise may be appropriate for your situation.
Craig, Colorado
Alpine Insurance Brokers
515 Yampa Avenue
Primary contact: Kaci Doolin. Coverage: commercial liability, business insurance, large commercial, homeowners, auto, and personal lines.
Stokes Insurance Agency (State Farm)
580 Pershing Street, Suite 400
Coverage: commercial liability, business insurance, homeowners, auto, and personal articles.
Lee Gittleson (American National)
250 West Victory Way
Coverage: commercial liability, farm and ranch insurance, homeowners, and auto.
Colorado Farm Bureau Insurance
101 West Victory Way
Coverage: farm and ranch, commercial property, agricultural equipment, and homeowners.
Meeker, Colorado
Colorado Farm Bureau Insurance
733 Main Street
Agent: Kortnee McLaughlin. Coverage: farm and ranch, commercial property, homeowners, and auto.
Mountain West Insurance & Financial
Serving Rio Blanco County
Coverage: commercial liability, workers' compensation, business property, and homeowners.
Hayden, Colorado
Many Hayden residents and businesses work with insurance professionals located in Craig and Steamboat Springs who regularly serve Routt County.
Mountain West Insurance & Financial
Serving Hayden & Routt County
Coverage: commercial property, liability, contractor insurance, homeowners, and landowner policies.
Steamboat Springs, Colorado
Alpine Insurance Brokers
1169 Hilltop Parkway, Unit 205A
Coverage: commercial insurance, small business, homeowners, auto, and umbrella.
Mountain West Insurance & Financial
405 South Lincoln Avenue
Coverage: commercial property, liability, resort businesses, homeowners, and auto.
MDM Group Associates
3815 Whistler Road
Coverage: commercial property, HOA insurance, liability, and residential coverage.
Vernal, Utah
Eastern Utah Insurance Agency
53 North 300 West
Coverage: commercial liability, trucking, contracting, agriculture, and homeowners.
Leavitt Insurance Services of the Rockies
609 West Main Street
Coverage: commercial property, casualty, agricultural business, and homeowners.
The Insurance Advisors LLC
1256 West 400 South, Suite 2
Coverage: commercial liability, farm and ranch, homeowners, and auto.
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Related Content
Background reading and tools to help you prepare for the conversation.
Western Edge Property Group provides these resources as a convenience to help you begin your research. Inclusion in this directory does not constitute an endorsement or recommendation. We encourage you to compare carriers, coverage options, policy exclusions, customer service, claims support, and pricing before selecting an insurance professional.
Questions About Protecting Your Investment?
Insurance is an important part of evaluating the overall cost and risk of owning property. I'd be happy to help you identify insurance considerations that may affect your purchase and connect you with local professionals as you explore your options.
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