Farmers Insurance – Kelli Holt, Insurance Agency Colorado Springs | Local Agent, Honest Answers
Colorado Springs insurance
done honestly. Coverage and exclusions – both. No surprises.
Why Choose Holt Agency? Most agents tell you what you’re covered for. Kelli Holt tells you what’s excluded too — so when something happens to your home, your car, or your business, you already know exactly where you stand.
As your local Farmers Insurance agent in Colorado Springs, Kelli serves Briargate, Northgate, Black Forest, and neighborhoods near Palmer Park and Pulpit Rock — writing home insurance, auto insurance, renters insurance, life insurance, and commercial policies built around the gaps, not just the coverage.
25+ years licensed. Local Colorado Springs agent. Free policy review. No obligation.
(719)434-5588
The house your kids grew up in. The car that gets your family where it needs to go. The business you built from nothing. The life you’ve spent years putting together. These aren’t just things to insure. They’re what you’re actually protecting when you call us.
Good insurance isn’t about the policy. It’s about sleeping at night knowing that if something goes sideways — a hail storm, an accident, a fire, an unexpected loss — your family doesn’t have to start over from scratch. The quiet confidence that comes from knowing someone actually looked at your coverage and told you the truth about it.
That’s insurance with heart. Protection for what matters most, from people who understand what’s at stake.
Insurance Services We Offer in Colorado Springs
Garden Ranch homeowners are sitting on 1960s and 70s ranch homes that haven’t had a real policy review in years. The wind and hail deductible alone on a home at today’s replacement cost can run $8,000 to $14,000 before coverage kicks in — and most homeowners don’t know that number until after a storm. Kelli reviews what your policy actually says, not just what the premium is. If you live near Pulpit Rock or along the Woodmen Road side of Garden Ranch, the exposure here is real and worth understanding before the next summer hail season.
Stetson Hills drivers are on Powers Boulevard every morning — one of the highest-traffic corridors in Colorado Springs. Military families heading east to Peterson Space Force Base or Schriever Space Force Base put real miles on their vehicles in stop-and-go traffic on Research Parkway and Powers. Colorado’s minimum 25/50/15 liability limits don’t go far when you rear-end a newer truck on a morning commute. Kelli looks at what you’re actually driving and how far you’re going before recommending coverage — not a number that looks good on a quote sheet.
Woodland Hills families along Dublin Boulevard are running two cars and a mortgage in Academy District 20 — and most are paying for home and auto through two different carriers that have never been reviewed together. Bundling with Farmers typically saves money on both but the bigger value is seeing the full coverage picture at once. Kelli checks whether what the home policy covers and what the auto policy covers leaves any gap in between — the kind of gap that shows up in a claim, not on the declarations page.
The Austin Bluffs corridor along Academy Boulevard has one of the highest concentrations of small businesses in Colorado Springs — retail shops, medical offices, service businesses, contractors. About 55,000 vehicles pass that stretch of Academy Boulevard daily. A Business Owners Policy bundles general liability, commercial property, and business interruption into one policy — and Kelli reviews what it excludes before a claim reveals it. Most small business owners in Austin Bluffs don’t know they’re underinsured until something happens.
Colorado Springs sits in hail alley. El Paso County shows up near the top of statewide hail claim data every year — and the east side of the city, from Stetson Hills to Banning Lewis Ranch, has open terrain that gives summer storms nothing to slow them down before they arrive. The Sola standalone wind and hail policy pays out after a qualifying storm without requiring a home insurance claim — which means your home policy deductible and your claim history stay untouched. Kelli can explain exactly how it works alongside your existing homeowners coverage.
Flying Horse and Northgate homeowners are carrying mortgages that didn’t exist ten years ago — or have grown significantly since refinancing. A life insurance policy set up when the home was worth $350,000 doesn’t cover the same household when it’s worth $700,000. Military families near Peterson and Fort Carson often rely on SGLI coverage that maxes out at $500,000 — which may not be enough for a household with a large mortgage and dependents. Kelli reviews your actual numbers before recommending anything.
Colorado Springs has a significant population of residents turning 65 — longtime homeowners in Northgate and Briargate who bought in the early 2000s and are now approaching retirement age, and military retirees near Fort Carson whose TRICARE for Life requires Medicare Part B enrollment to stay active. Missing the Initial Enrollment Period triggers permanent premium penalties. Kelli connects Medicare questions to Think65.com — a dedicated Colorado Medicare resource — so clients get answers from specialists rather than a general insurance conversation.
Pueblo Reservoir is 30 minutes south on I-25 — close enough that a lot of Colorado Springs families have a motorboat, pontoon, or personal watercraft stored in a driveway or off-site facility. Your home insurance doesn’t cover it. Your auto insurance doesn’t cover it either. A Colorado hail storm hits a boat stored outside in the same way it hits a car — and comprehensive coverage on a boat policy is exactly what pays for it. Kelli covers motorboats, pontoons, fishing boats, and jet skis on Colorado lakes and reservoirs.
Colorado requires Workers’ Compensation Insurance the moment you hire your first employee — part-time, seasonal, it doesn’t matter. The Austin Bluffs and Academy Boulevard corridor has a high density of small businesses, medical offices, cleaning services, and contractors who bring on help and assume their general liability covers everything. It doesn’t — general liability covers third parties, not your own employees. Operating without Workers’ Comp in Colorado means stop-work orders and fines of up to $500 a day retroactive to the date your first employee started.
Banning Lewis Ranch CC&Rs restrict RV parking on driveways and streets — which means most residents store their motorhomes and trailers off-site along Dublin Boulevard and near Black Forest Road for six or more months a year. Your auto policy covers the truck towing the trailer. It doesn’t cover the trailer. Your homeowners policy doesn’t cover an RV stored off your property either. Kelli covers Class A, B, and C motorhomes, fifth wheels, and travel trailers — with storage coverage for the months the RV isn’t on the road.
Who We Help
Does any of this sound familiar?
Insurance is one of those things you don’t think about until something goes wrong. By then it’s too late to change what’s in your policy. These are the situations Kelli’s clients describe — before and after they called her.
Homeowners
My premium jumped $700 at renewal and I haven’t filed a single claim.”
Colorado insurers raised rates 18–34% in 2024 due to hail losses and rising construction costs — even for customers with perfect records. Most homeowners just pay it. What almost nobody checks: whether the coverage actually kept pace with what it would cost to rebuild today.
The rate went up. Your protection may not have. Kelli reviews both — free.
Homeowners
“I thought hail was covered. It was — but the payout was $3,000 on an $18,000 roof.”
Hail is covered. But buried in many Colorado policies is an actual cash value clause that pays your roof’s depreciated worth — not what it costs to replace it today. The difference can be $10,000 to $15,000 out of your own pocket. Most homeowners find out after the storm.
Kelli reads your roof settlement terms before hail season does.
Drivers
“Someone with no insurance rear-ended me. Now what?”
1 in 6 Colorado drivers carries no insurance. When they hit you, your recovery depends entirely on your own policy — not theirs. State minimum coverage (25/50/15) protects other people from you. It often doesn’t protect you from them. Most drivers don’t understand this until they’re in the middle of a claim.
Uninsured motorist coverage exists for exactly this. Kelli explains what you have — and what you’re missing.
Business Owners
“I have general liability. I assumed that covered my business.”
GL covers physical injury and property damage. It doesn’t cover a client who loses money because of your advice. It doesn’t cover employee injuries. It doesn’t cover a data breach. Most Colorado Springs small business owners carry GL and nothing else — and don’t discover the gaps until a lawsuit arrives.
Kelli reviews your business coverage against your actual risk — industry, employees, clients, assets.
New Homeowners
“My lender approved my policy. I assumed that meant it was good.”
Lenders require minimum coverage. Minimum protects their investment — the mortgage balance. It doesn’t automatically cover rebuilding costs, your personal belongings, liability, or the endorsements Colorado homes specifically need. The policy your bank accepted is a floor, not a ceiling.
Kelli reviews new homeowner policies and shows you what the minimum leaves out.
Families
“If something happened to me tomorrow, my family would be in serious trouble.”
Term life insurance for a healthy 35-year-old can cost less than a streaming subscription per month. Most families are under-insured or not insured at all — not because they don’t care, but because no one sat down and showed them what it actually costs versus what it covers.
Kelli walks through life insurance options in plain English — no pressure, no jargon.
Not sure which situation applies to you? Ask Kelli’s personal assistant in the bottom right corner — available now, responds instantly.
How Kelli works
A different kind of insurance conversation.
Three steps. No pressure. You leave knowing more than you came in with — whether you switch to Kelli or not.
- Free Policy Review. Kelli and her team review what you currently have — coverage, limits, endorsements, and the exclusions your current policy doesn’t advertise.
- Plain-English explanation – We explain both sides: what your policy covers, and what it doesn’t — so you understand exactly where you’re protected and where you’re exposed.
- Your decision, your pace – No pressure. If there are gaps, we’ll show you options. If you’re well-covered, she’ll tell you that too. You make the call with complete information.
Serving Colorado Springs Neighborhoods — Home & Auto Insurance Agent Who Knows Your Area
Holt Agency – Farmers Insurance serves homeowners and drivers throughout Colorado Springs and the surrounding communities. Kelli Holt and her team know that where you live shapes what your policy needs to cover — and what it shouldn’t leave out. In Black Forest, where the 2013 wildfire destroyed hundreds of homes, we work with homeowners navigating wildfire zone coverage, policy non-renewals, and coverage gap reviews. Near the Broadmoor and Broadmoor Bluffs — a designated wildland-urban interface area where the city held its 2024 evacuation drill — we help high-value homeowners understand exactly what their policies include and exclude before a loss happens. In Briargate, one of Colorado Springs’ most active residential communities, we serve growing families with bundled home and auto coverage, umbrella policies, and HOA-required coverage reviews. Up the pass in Woodland Park and Teller County, we serve mountain homeowners who face unique wildfire exposure, limited carrier options, and policies that often don’t reflect the real rebuild cost of a mountain home. For military families in Fountain and Security-Widefield near Fort Carson — whether you’re PCSing in, buying your first home, or converting from renter to homeowner — we make the coverage transition fast, clear, and right the first time. In Northgate and Gleneagle, where new construction is constant and first-time buyers are everywhere, we help families understand what their builder’s warranty doesn’t cover and why homeowners insurance matters from day one. Farmers Insurance Prime Agent. Best of Springs Silver 2025 and 2026. Serving Colorado Springs and surrounding El Paso and Teller County communities. Call (719) 434-5588.
In the Austin Bluffs neighborhood along Dublin Boulevard and North Union Boulevard, our Farmers insurance agency serves homeowners who have carried the same home insurance policy for years — often without realizing their dwelling coverage no longer reflects what Colorado construction actually costs today. We review homeowners insurance limits, roof settlement terms, and auto insurance coverage for every driver in the household, so nothing is missing when something goes wrong.
In Palmer Park and along North Academy Boulevard, where many homes were built in the 1950s and 1960s, our Farmers insurance agency finds outdated homeowners insurance limits more often than anywhere else in Colorado Springs. A home insured for yesterday’s rebuild cost leaves a gap that Colorado hail, freeze damage, and rising labor costs make expensive. We review both home insurance and auto insurance together — because most families in Palmer Park are carrying both, and bundling almost always saves money.
Auto Insurance Agency in Colorado Springs
Colorado Springs drivers deal with stuff most states don’t. July hail out here doesn’t mess around — seen it total vehicles parked in driveways, not old beaters but nice cars, just from sitting outside during the wrong storm. Ice on Powers Boulevard and Woodmen Road in winter causes more fender benders than people expect. And the commute patterns here — Briargate to the Air Force Academy or Fort Carson, Stetson Hills to Schriever, Northgate down I-25 — mean Colorado Springs drivers are putting on real miles on roads that change fast.
Colorado requires 25/50/15 liability minimums. Sounds like a lot until you rear-end someone in a new truck on Academy Boulevard and realize your property damage limit runs out before the repair bill does. Kelli looks at how you actually drive before she recommends coverage — not a generic quote off a website. She’ll tell you if you’re underinsured somewhere and if you’re overpaying somewhere else.
Farmers Insurance — Kelli Holt serves Auto Insurance customers across Colorado Springs.
Home Insurance Agency in Colorado Springs
Colorado Springs home insurance is its own thing. El Paso County shows up near the top of hail claim data every single year — it’s just the geography. The eastern side of the city is flat and open and storms don’t slow down before they get there. Wind events near the foothills can be just as damaging as hail and most policies treat them the same way when it comes to the deductible.
Here’s the thing most people don’t know about their home policy — there’s a separate wind and hail deductible that has nothing to do with your regular deductible. It’s usually 1% to 2% of whatever your home is insured for. On a $700,000 home in Flying Horse that’s $7,000 to $14,000 out of pocket before your policy pays anything toward repairs. Most homeowners don’t know that number until after a storm.
Kelli reviews your coverage and your exclusions — not just what you’re protected for but what you owe before that protection kicks in. She also reviews for wildfire exclusions under HB25-1182 and checks whether your coverage limit still reflects what it would actually cost to rebuild your home today. A lot of Colorado Springs homeowners are underinsured because their limits were set years ago and haven’t kept up.
Farmers Insurance — Kelli Holt serves Homeowners Insurance customers across Colorado Springs.
Life Insurance Agency in Colorado Springs
A lot of people in Colorado Springs got a life insurance policy when they bought their house and haven’t looked at it since. That might have been fine when the home was worth $350,000 and the kids were little. Now that home is worth $600,000 or more, the kids are in high school, and the coverage hasn’t moved.
Kelli offers term life and universal life policies through Farmers. Term life is straightforward — you pick a coverage amount and a period, usually 20 or 30 years, and you’re covered if something happens in that window. It’s usually the most affordable option for Colorado Springs families who have a mortgage and young kids and want to make sure the house is covered if something happens.
Universal life is different. It builds cash value over time and stays with you permanently. For homeowners in Flying Horse and Northgate who are thinking about estate planning or leaving something behind, it’s worth a conversation. Kelli doesn’t push one over the other — she looks at what your family actually needs and what fits your budget right now.
Military families near Peterson Space Force Base and Fort Carson often think their SGLI coverage is enough. Sometimes it is. Sometimes it’s not — especially if a spouse isn’t working or there’s a large mortgage involved. Kelli can look at the full picture with you.
Health Insurance Agency in Colorado Springs
Health insurance is a complicated space and Kelli is straightforward about what she can and can’t help with. One thing she does offer is Medicare enrollment assistance — specifically for Colorado Springs residents who are turning 65 or already Medicare eligible and trying to figure out what their options actually are.
Medicare has a lot of moving parts. Part A, Part B, supplement plans, Medicare Advantage — most people coming into it from employer coverage have no idea where to start. Colorado Springs has seen a lot of growth from families who bought homes ten or fifteen years ago and are now approaching retirement age. They come into Kelli’s office with a stack of mailers and no idea which one is right for them.
Kelli can walk through the basics of what Medicare covers, what the gaps are, and what a supplement plan does. For more detailed Medicare questions and plan comparisons she directs clients to Think65.com — a dedicated Medicare resource for Colorado Springs area residents.
Renter’s Insurance Agency in Colorado Springs
Renters Insurance is probably the most underrated policy Kelli sells. It’s affordable — usually between $15 and $25 a month — and most renters in Colorado Springs either don’t have it or have no idea what it actually covers.
If you rent anywhere in Colorado Springs, your landlord’s policy covers the building. Not your stuff inside it. If a pipe bursts and ruins your furniture, electronics, and clothes — that’s on you without a renters policy. If someone breaks in and takes your laptop — same thing. Most renters find this out after something happens, not before.
Renters policies also cover liability. If someone slips and falls in your apartment, a Renters Insurance policy covers you. Colorado Springs has a lot of military families in rental housing — near Fort Carson, Peterson Space Force Base, and Schriever Space Force Base. PCS moves happen fast and coverage gaps happen in between. Kelli can get a Renters Insurance policy in place quickly so you’re not sitting unprotected between moves.
Motorcycle Insurance Agency in Colorado Springs
Colorado Springs riders have some of the best roads in the state right out their front door. Pikes Peak Highway. Highway 24 through Ute Pass toward Woodland Park. Rampart Range Road. Gold Camp Road. The roads that make this city worth living in are also the ones where having the right Motorcycle Insurance matters most.
Colorado Springs weather is unpredictable. A rider can leave on a clear morning and hit a hail storm by noon without much warning. Hail hits motorcycles hard — tank dents, cracked fairings, broken mirrors. Most riders don’t think about comprehensive coverage until after it happens and they’re looking at a repair bill they have to cover out of pocket.
Kelli handles Motorcycle Insurance as part of the full agency offering. If you’re adding a bike to an existing home and auto bundle she can review the whole package at once. Colorado state minimums for motorcycle coverage are 25/50/15 — and most riders on a bike worth $10,000 or more need more than the minimum. Kelli will tell you what actually makes sense for how you ride and where you go.
Have questions about insurance coverage in Colorado Springs? Visit the Insurance FAQ →
About Us
Meet Your Agent – Kelli Holt
“What matters isn’t just what you’re covered for — it’s what’s actually excluded from your policy. I make sure you know both, every time.”
A transplant from Montana, I have lived in Southern Colorado for 31 years and call beautiful Colorado Springs “home”. I started my insurance career in 1998 and loved working as a strategic advisor to companies and their employees. As a benefit advisor, I helped business owners figure out the best way to insure their employees and guide individuals to choose the best benefit options for their age and stage in life.
In the spring of 2018 I transitioned to the property and casualty side as a Farmers Agent. The Kelli Holt Agency prides itself on providing exceptional customer service and ensures that each client is educated and understands the coverage options to suit their specific needs. My agency will ensure this process is straightforward and personalized to help you select the most comprehensive, cost-effective insurance solutions for your life, auto, home, recreational, commercial, business liability needs and more!
With my own experience as a small business owner spanning over 25 years, I comprehend the intricate balance between running a profitable business and ensuring that you have the right insurance coverage tailored to your business type and employee count. I strive to help business owners concentrate on their business and minimize the time spent on insurance matters.
If I can be of assistance, please don’t hesitate to reach out. My office is centrally located near Academy and Union in Colorado Springs. I would love the opportunity to serve you.
- Licensed Farmers Insurance Agent — Property, Casualty, Life & Health
- 25+ years of insurance experience — group benefits and personal lines
- 31 years in Colorado Springs — local knowledge, local risk, local market
- 3 licensed agents on staff — you always talk to someone who knows your policy
- Office centrally located near Academy & Union, Colorado Springs
Meet Derek Anderson
Derek Anderson came to the Holt Agency in January 2023 as a business intern from the University of Colorado Colorado Springs. Following the acquisition of his insurance license in the summer of 2023 he transitioned into a permanent full-time role. Shortly after, Derek proudly graduated from the University of Colorado Colorado Springs with a Bachelor’s degree. He has a Major in Business Management and a minor in Criminal Justice.
Hailing from Parker, CO, nestled near Denver, Derek holds a deep-rooted pride in his Colorado roots.
One of the aspects Derek finds most fulfilling about his role at the Holt Agency is the opportunity to craft personalized policies that truly reflect and safeguard the interests of our esteemed clients.
Meet Christian Lloyd
Christian Lloyd serves as the Client Retention and Sales Representative at the Holt Agency. Bringing a unique blend of experience to the team, Christian combines a strong foundation in the insurance industry with an extensive technical background. Having spent years developing software, managing servers, and building computers from the ground up, he applies that same meticulous attention to detail and problem-solving mindset to his insurance career.
Originally from Phoenix, AZ, with a family background deeply rooted in Queens, NY, Christian brings a vibrant energy to the agency. Outside of the office, he is a passionate foodie who loves traveling and exploring the local culinary and cultural scenes across different states.
For Christian, the most fulfilling aspect of his role is building close, trusting relationships with his clients. He is dedicated to finding the absolute best coverage for their needs, prioritizing comprehensive protection over cutting corners. His ultimate goal is to ensure that in an “uh-oh” situation, his clients can simply take a breath and trust that everything is fully handled.
How much does homeowners insurance cost in Colorado Springs?
Homeowners insurance in Colorado Springs typically costs $1,800–$3,200 per year. Your roof’s age and condition, proximity to hail or wildfire risk zones, and your home’s actual rebuilding cost are the biggest factors. Colorado’s high hail frequency and rising construction costs push premiums above the national average.
What most homeowners don’t realize is that the premium isn’t the only number that matters — their coverage limit needs to keep pace with what it would actually cost to rebuild today. Those two numbers are often different. Kelli reviews both in every free policy review.
What does homeowners insurance NOT cover in Colorado?
Standard Colorado homeowners policies typically exclude sewer and drain backup, flood damage, earthquakes, underground utility line failures, mold from slow leaks, and equipment breakdown. Most homeowners discover these exclusions during a claim — not when they buy the policy.
Each gap requires a separate endorsement, and none are automatically explained at the time of sale. Sewer backup alone costs $8,000–$25,000 when it happens and only $50–$100 per year to add. Kelli reviews every exclusion in your policy before you need to find out the hard way.
Does homeowners insurance cover hail damage in Colorado?
Yes — but many Colorado policies now use a separate wind and hail deductible of 1–2% of your home’s insured value, not your standard deductible. On a $400,000 home that’s $4,000–$8,000 out of pocket before insurance pays anything. Some policies also pay your roof’s depreciated value, not what it costs to replace it today.
Colorado averages over 9 hail events per year. The difference between a depreciated payout and full replacement cost can be $10,000–$15,000 on a single claim. Kelli identifies your roof’s settlement terms before a storm does.
How much is car insurance in Colorado Springs?
Full coverage auto insurance in Colorado Springs averages $1,400–$2,200 per year depending on your driving record, vehicle, age, and ZIP code. Colorado requires minimum liability of $25,000 per person, $50,000 per accident, and $15,000 property damage — but those minimums are rarely enough in a serious accident.
The bigger issue is what the policy actually covers when something goes wrong. About 1 in 6 Colorado drivers carries no insurance. If one of them hits you, whether you’re protected depends entirely on your own policy. Kelli reviews your rate and your coverage gaps — including uninsured motorist protection — in every free auto review
Do I need uninsured motorist coverage in Colorado?
Yes — Holt Agency strongly recommends it. About 1 in 6 Colorado drivers carries no insurance. If one of them hits you near Colorado Springs, uninsured motorist coverage pays your medical bills and lost wages. Without it, you absorb those costs yourself regardless of who was at fault.
Colorado does not legally require this coverage, which is why most agents don’t bring it up. It is one of the highest-value, lowest-cost additions to any auto policy. Kelli reviews your uninsured and underinsured motorist coverage in every auto policy conversation.
What insurance does a small business in Colorado Springs need?
Most Colorado Springs small businesses need general liability, commercial property insurance, and — if they have any employees — workers compensation, which is legally required in Colorado. Professional liability, commercial auto, and business interruption coverage depend on your industry and risk.
General liability is a starting point, not a complete solution. It covers physical injury and property damage — not professional errors, data breaches, or employee injuries. A Business Owner Policy (BOP) bundles general liability and commercial property at lower combined cost. Kelli reviews your industry, employee count, and actual risk to find the right combination.
What makes Holt Agency different from other insurance agents in Colorado Springs?
Kelli Holt reviews both what your policy covers and what it excludes — in plain English, before a claim reveals it. Most agents explain coverage. Kelli explains the exclusions too. She has been doing this in Colorado Springs for 25 years with a team of four licensed agents.
The conversation most agents skip is the one Kelli has first — what is NOT in your policy, which gaps carry real financial risk, and what it costs to close them. You leave every review knowing exactly where you stand, whether you end up switching to Kelli or not. Call (719) 434-5588 for a free, no-obligation policy review.
What is Colorado’s new wildfire building code and how does it affect my homeowners insurance?
Colorado’s Wildfire Resiliency Code took effect July 1, 2025, and local jurisdictions were required to adopt it by April 1, 2026, with full implementation by July 1, 2026. It sets minimum fire-resistant material and defensible space standards for new construction and major renovations in wildland-urban interface areas — which includes neighborhoods like Black Forest, Broadmoor Bluffs, Woodland Park, and Manitou Springs. Separately, Colorado House Bill 25-1182 takes effect July 1, 2026, giving homeowners the legal right to see their wildfire risk score and understand what drives their premium. If you live in a WUI area, now is the right time to review your policy. Call Holt Agency at (719) 434-5588.
I live in Black Forest — can I still get homeowners insurance after the wildfire history there?
Yes. Black Forest homeowners can still obtain homeowners insurance, but carrier options may be more limited and premiums reflect the wildfire risk in the area. Farmers Insurance offers coverage in wildfire-prone areas with the right mitigation steps in place. We review your current coverage, identify any gaps, and make sure your policy reflects the actual rebuild cost of your home — not just the market value. Call Holt Agency at (719) 434-5588 for a policy review.
Does my Broadmoor Bluffs homeowners policy cover wildfire damage?
Wildfire damage is typically covered under the dwelling section of a standard homeowners policy — but what matters is whether your coverage limits are high enough to actually rebuild your home at today’s construction costs. Many Broadmoor homeowners are significantly underinsured without knowing it. Colorado’s new law starting July 2026 also gives you the right to see your insurer’s wildfire risk score for your property. We do a full coverage review so you know exactly where you stand before a loss happens. Call (719) 434-5588.
Do you serve military families near Fort Carson in Fountain and Security-Widefield?
Yes. Holt Agency – Farmers Insurance serves military families throughout Fountain and Security-Widefield near Fort Carson. Whether you are PCSing in and need coverage before closing, switching from renter’s to homeowner’s insurance, or bundling auto and home for the first time, we make the process fast and straightforward. Farmers offers discounts for bundled policies that many military families qualify for. Call (719) 434-5588 to get covered.
How do I know if my homeowners insurance covers the real cost to rebuild my home in Colorado Springs?
Most homeowners in Colorado Springs are underinsured — meaning their policy limits wouldn’t cover a full rebuild at today’s labor and material costs. This is especially common in Black Forest, Broadmoor, Woodland Park, and newer Northgate construction where costs have risen sharply. It’s not what you’re covered for — it’s what’s excluded that matters most. Holt Agency does a full coverage review to find those gaps before a claim does. Call (719) 434-5588.