Pueblo

About Pueblo

Insurance in Pueblo, CO

Inszone writes insurance in Pueblo, CO from our office at 704 Fortino Blvd, Suite A. The office is on Fortino Boulevard on Pueblo’s north side, just off Highway 50 and a few minutes from the Pueblo Mall.

This office is two agencies that became one. It operated as High Desert Insurance and as ASK Insurance before joining Inszone, and people still call it by both names. Mary Kelver is here as a Senior Personal Insurance Specialist and Scott Kelver handles commercial lines, with Colin West and Kelly Callahan on personal lines. The address and the phone number are unchanged.

People searching for insurance companies in Pueblo are usually comparing one carrier against another. We are an independent agency, so the comparison happens on our side of the desk: we represent many carriers rather than one, and when a carrier reprices the whole of Pueblo County after a hail season or tightens its roof-age rules, we have somewhere else to go.

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Personal Insurance in Pueblo, CO

For Pueblo households we write homeowners, auto, renters, condo and landlord policies, personal umbrella liability, and specialty lines including motorcycle, boat, RV and classic car.

Hail is what sets Colorado property premiums, and the three terms that decide what a hail claim pays are rarely the ones people read. Most Colorado homeowners policies now carry a separate or percentage wind-hail deductible rather than the flat figure that applies to everything else. Many carry a roof settlement schedule, which reduces the payment as the roof ages regardless of what a new roof costs. And a growing number carry a cosmetic damage exclusion, which removes dented metal — gutters, vents, siding, swamp coolers — from the claim entirely while leaving the functional damage in.

Anyone shopping homeowners insurance in Pueblo, CO should have those three read out in dollars before signing, because two quotes at the same premium can settle a hailstorm very differently. Mitigation credits for an impact-resistant roof are worth asking about at the same time. Colorado also opened a residual market for residential property in 2025, for owners who cannot place coverage in the admitted market at all — a specialist can tell you whether you are anywhere near needing it.

Drivers comparing car insurance in Pueblo, CO should know that Colorado includes two things by default that people often strip out without meaning to. $5,000 of medical payments coverage and uninsured/underinsured motorist coverage are both on the policy unless you reject them in writing, and a rejection signed years ago tends to follow the policy forward.

Renters insurance in Pueblo is written around your contents and your personal liability rather than the building, and most leases here now ask for a liability limit in writing.

Life, health and Medicare plans in Pueblo, CO can be quoted through our wider team alongside the property and auto policies.

Business Insurance in Pueblo, CO

For Pueblo employers we place general liability, commercial property, business owner’s and commercial package policies, commercial auto and fleet, cyber and professional liability, and surety and contractor bonds.

Colorado requires workers’ compensation from the first employee — part-time workers and family members included, because anyone paid for their services is presumed to be an employee. The penalty for going without runs up to $500 a day, which is the number that turns a paperwork problem into a serious one. Corporate officers and LLC members holding at least 10% ownership can reject coverage for themselves, and that exemption is the question that comes up most often with owner-operators and small crews.

Contractors, agribusiness and irrigated farm operations along the Arkansas Valley, steel and metal fabrication, trucking, retail, hospitality and professional services are all lines we write regularly. Class codes, certificates and the renewal calendar are handled here rather than handed back to you, because a missing certificate is usually what is holding up a job.

Inszone Insurance agency near me

Our Pueblo insurance office is open Monday to Friday, 9:00am to 5:00pm. Call 719-582-1070, use the quote form on this page, or come by 704 Fortino Blvd, Suite A.

From Fortino Boulevard we also work with clients in Pueblo West, Colorado City, Rye, Cañon City, Walsenburg and out along the Arkansas Valley. People looking for insurance agents in Pueblo are often doing it after a renewal arrived higher than expected — whether you are working out what a percentage hail deductible costs in dollars, checking whether a cosmetic damage exclusion is on your policy, adding back medical payments coverage somebody once rejected, or sorting out a workers’ compensation exemption, our insurance brokers in Pueblo, CO can talk through the options available for your situation.

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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. A percentage deductible is calculated on the insured value of the structure rather than on the claim, so on a $350,000 dwelling limit, two percent is $7,000 before anything is paid. Colorado also opened a residual market for residential property in 2025 for owners who cannot place coverage in the admitted market. We walk through all of it before you sign.

What is a cosmetic damage exclusion?

It is an endorsement that removes dented-but-working metal from a hail claim. Gutters, downspouts, vents, flashing, siding, garage doors and swamp coolers are the usual list — if the hail dented them without stopping them working, the exclusion means that part of the loss sits outside the claim. Functional damage is treated separately. It is worth knowing whether the endorsement is on your policy before a storm rather than after one, because it is often the difference between two quotes that look identical on premium, and a specialist can point to where it appears on the declarations page.

Does my Pueblo 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 High Desert Insurance or ASK Insurance?

Both, and yes. This office traded under the High Desert Insurance name and the ASK Insurance name before joining Inszone, and it continues from 704 Fortino Blvd, Suite A with the same team and the same phone number. Policies carried over. If you are holding paperwork with either name on it, this is the office that wrote it.

How do I get a quote from your Pueblo insurance office?

Call 719-582-1070 or use the quote form on this page, and come by 704 Fortino Blvd, Suite A if you would rather do it in person. Have your current declarations page to hand if you can, and for commercial coverage your annual revenue, payroll by class and loss runs for the last three to five years. If a carrier has sent you a non-renewal or cancellation notice, bring it — the date on it changes what options are open.