Monument

About Monument

Inszone Insurance in Monument, CO, protects your Front Range lifestyle with reliable auto, home, life, and business insurance tailored to the needs of the Monument community.

Formerly operating as Sample Insurance Group, LLC, our Monument insurance office serves a community known for its small-town charm, proximity to the Rockies, and location between Colorado Springs and Denver. Our office at 325 2nd Street, Ste S handles personal and commercial insurance for clients throughout Monument and nearby Colorado communities.

As an independent insurance agency in Monumento, CO, we represent many carriers, so when a renewal comes back higher than it should or a carrier decides it no longer wants your risk, we have somewhere else to go. 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.

Buy your insurance in Monument, CO!

Personal Insurance in Monument, CO

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

Hail is the loss that drives Colorado premiums, so we spend real time on wind-hail deductibles, roof schedules and mitigation credits rather than just quoting a number. We read your current declarations page before quoting, so the comparison is real rather than cosmetic.

Business Insurance in Monument, CO

We insure Monument 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 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.

Inszone Insurance agency near me

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

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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-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 Monument 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 a quote from your Monument office?

The fastest way is to call 719-559-0706 or use the quote form 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 325 2nd Street, Ste S. If a carrier has sent you a non-renewal notice, call sooner rather than later — options narrow as the lapse date gets closer.