Golden

About Golden

Inszone Insurance in Golden, CO is your local, independent agency serving homeowners, outdoor enthusiasts, and businesses across the Denver Metro foothills.

We are an independent insurance agency built on the legacy of Denver West Insurance Brokers, and we shop your coverage across multiple insurance companies in Colorado instead of fitting you into one carrier’s box.

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 and mountain communities.

From home to car insurance in Golden, CO, we understand the unique transition zone we live in—where city meets mountain—and the specific exposures that come with it, from wildfire risk to high-value property concerns.

Buy your insurance in Golden, CO!

Personal Insurance in Golden, CO

We write home, auto and renters insurance in Golden, CO. Our team helps residents secure dependable coverage for mountain properties, autos, and vacation rentals, along with landlord and rental property coverage, condo policies, umbrella liability, and coverage for motorcycles, boats, RVs and classic cars.

Hail is the loss that drives Colorado premiums, so Inszone Insurance Colorado spends real time on wind-hail deductibles, roof schedules and mitigation credits rather than just quoting a number. We would rather show you what raising a limit actually costs than quote you the cheapest possible policy and leave you to find out later.

Commercial Insurance in Golden, CO

On the commercial side, Inszone Insurance in Golden, CO writes general liability, commercial property, business owner’s policies, commercial auto and fleet, workers’ compensation, cyber liability, professional liability and surety bonds for Golden businesses.

From tourism to tech, our insurance agents in Colorado are here to protect your business. Colorado requires workers’ compensation from the first employee, with penalties 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.

We also issue certificates of insurance and additional insured endorsements quickly, because that is usually what is holding up your job.

Inszone Insurance agency near me

Visit Inszone Insurance in Golden, Co today! Contact our newest agency, and one of our specialists will help you with all the information you need before buying a policy.

Get your free insurance quote!

FAQs

What are the minimum requirements for auto insurance 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-hail deductible, plus roof settlement schedules that reduce payment as the roof ages, and sometimes a cosmetic damage exclusion. Colorado also opened a state FAIR Plan to residential applicants in 2025 for owners who cannot find coverage in the admitted market. We walk through all of it before you sign.

Does my Golden 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.

How do I get an insurance quote from Golden, Colorado?

The fastest way is to call 303-960-5290 or use the quote button on this page. Have your current policy declarations page ready if you can, and for commercial coverage your revenue, payroll by class and recent loss runs. You can also come by the office at 430 Indiana St., Ste. 100. If a carrier has sent you a non-renewal notice, call sooner rather than later — options narrow as the lapse date gets closer. Visit Inszone Insurance in Golden, CO!