Colorado Springs | Union Blvd

About Colorado Springs | Union Blvd

Insurance in Colorado Springs, CO

Inszone Insurance writes insurance in Colorado Springs, CO from our office at 4905 N Union Blvd, Suite 202. The office is on North Union Boulevard near Austin Bluffs Parkway, on the north side of the city with Pikes Peak in view to the west.

This office has been placing coverage here since 2009, when it operated as Complete Coverage Insurance. Clients who knew the agency under that name are in the same suite on Union, with the same local team and a longer carrier list behind them.

Inszone has two insurance agencies in Colorado Springs. This is the Union Boulevard one; the other is on Campus Drive in the Briargate area. Both offices can help you with any line, so pick whichever is the easier drive — and if you are already a client of one, stay with the people you know.

Hail is the dominant property peril in Colorado, and the state’s own market study found it accounts for a substantial share of homeowners premium, with wildfire risk layered on top in the foothills. As an independent agency we represent many carriers rather than one, which is what lets us move an account when a renewal jumps or a carrier steps back from a risk.

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Personal Insurance in Colorado Springs, CO

Personal lines are the core of what we do here: homeowners, auto, renters, landlord and condo policies, personal umbrella liability, and specialty coverage for motorcycles, boats, RVs and collector vehicles.

Drivers comparing car insurance in Colorado Springs should know that $5,000 of medical payments coverage and uninsured/underinsured motorist coverage are both included by default in this state unless you reject them in writing. We check whether a previous agent had them rejected before quoting anything else.

Tenants looking at renters insurance in Colorado Springs often find the liability section matters more than the contents limit, particularly in the older rentals around the Union and Academy corridors where a water escape can reach a neighbour’s unit.

Households comparing home insurance in Colorado Springs run into the same thing every year: hail is the loss that decides Colorado premiums. We spend real time on the wind and hail deductible — whether it is a flat dollar figure or a percentage of the dwelling limit — along with roof settlement schedules that reduce payment as a roof ages, any cosmetic damage exclusion, and the impact-resistant roofing credits some carriers offer. We read your current declarations page before quoting so the comparison is a real one rather than a cosmetic price difference.

Business Insurance in Colorado Springs, CO

Our insurance in Colorado Springs provides coverage for businesses across general liability, commercial property, business owner’s policies, commercial auto, workers’ compensation, cyber liability, professional liability and bonds.

Colorado requires workers’ compensation from the first employee, with penalties running up to $500 a day for going without, and we handle the class code and exemption questions that come with owner-operators and small crews.

Contractors, restaurants, retail, trucking, manufacturing, healthcare and professional services are all lines we write regularly. The north-side business mix runs to clinics, professional practices and trade contractors, and the certificate and additional-insured requirements that come with that work are handled here rather than passed back to you.

Inszone Insurance agency near me

Our Union Boulevard insurance office is open Monday to Friday, 8:30am to 5:00pm, with weekends by appointment. Call 719-645-8212, use the quote form on this page, or stop by 4905 N Union Blvd, Suite 202.

Our insurance agents in Colorado Springs are able to put more than one carrier’s numbers in front of you, which is what an independent agency does. From Union Boulevard we work with clients across the north side, downtown, Monument, Falcon, Fountain and the wider El Paso County area. Whether you are comparing a home renewal after a hail season, insuring a first vehicle, or building a commercial programme, our insurance specialists in Union Boulevard, CO, can talk you through the options available for your situation.

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FAQs

What are the minimum auto insurance requirements in Colorado?

Colorado requires liability limits of at least $25,000 per person, $50,000 per accident, and $15,000 for property damage. Two things get missed here: $5,000 of medical payments coverage and uninsured/underinsured motorist coverage are both included by default unless you reject them in writing.

Why is my wind and hail deductible different from the rest of my policy?

Because most Colorado homeowners policies now carry a separate or percentage wind and hail deductible rather than applying the standard one. Many also use a roof settlement schedule that reduces what is paid as the roof ages, and some add a cosmetic damage exclusion for dents that do not affect function. Those three terms sit in different parts of the policy and rarely appear on a quote summary, so we go through them with you before you sign.

Does my Colorado Springs business need workers’ compensation insurance?

Yes. Colorado requires coverage from the first employee, including part-time workers and family members — anyone paid for their services is presumed to be an employee. Penalties run up to $500 a day. Certain corporate officers and LLC members with at least 10% ownership can reject coverage for themselves.

Is this the same office that was Complete Coverage Insurance?

Yes. Complete Coverage Insurance Agency opened on Union Boulevard in 2009, joined Inszone Insurance, and continues from the same suite with the same local team. Policies carried over. Worth noting that “complete coverage” is also a phrase people use for full-coverage auto policies, which is a different thing entirely — if you were looking for the Union Boulevard agency, this is it.

You have two insurance offices in Colorado Springs — which one should I use?

Either. This is the Union Boulevard office at 4905 N Union Blvd, Suite 202, on 719-645-8212; the other is on Campus Drive in Briargate, on 719-633-2641. Both write personal and commercial lines and both draw on the same carrier list, so the practical answer is whichever is the easier drive. If you are already a client of one office, stay with the team that knows your account.