A cozy suburban house with a welcoming porch and lush potted plants at dusk.

What Homeowners Insurance May Cover

Our goal is to help you build the right combination of coverage at a competitive price, ensuring you’re protected without paying for insurance you don’t need. 

  • Theft or vandalism of personal belongings
  • Fire or storm damage to your home
  • Injuries sustained by guests on your property
  • Liability claims involving property damage or bodily injury

Other important info:
* Homeowner policies do not cover flood or earthquake damage. Separate policies may be required for these risks.
* If your home is financed, your mortgage lender will require homeowners insurance coverage. Some mortgages offer an escrow account to assist with paying for this insurance.
* Colorado’s insurance market has changed dramatically, with higher premiums driven by frequent hail claims and rising home replacement costs. As an independent insurance broker, we shop multiple carriers so you don’t have to, helping you review your options and stay competitive as rates change.

Hail Deductible Protection insurance


Many Colorado homeowners are surprised to learn that their homeowners insurance policy may include a separate wind and hail deductible, leaving them responsible for thousands of dollars out of pocket after a roof claim. At the same time, many insurance companies are limiting roof coverage or applying restrictions to roofs that are 10–15 years old.

At Bear Valley Insurance, we offer Hail Deductible Protection—a supplemental policy designed to help offset those unexpected expenses after a qualifying hail event. This additional coverage can help fill gaps in your homeowners insurance and provide greater financial protection and peace of mind.

Coverage applies when hail damage results from a qualifying storm that meets the policy’s hail severity requirements.

Coverage Highlights

An excellent option for homes with older roofs that may have limited or excluded roof coverage under a standard homeowners policy

Coverage limits from $5,000 to $25,000

Helps cover your homeowners insurance wind/hail deductible

Plans starting as low as $35 per month

No deductible under this policy

Claims are not reported to the state, they are not reported to the CLUE database where you can be surcharged for claims.

Provides additional financial protection after a qualifying hail loss

Auto Insurance

Auto insurance helps protect you from financial loss after an accident and is required for drivers throughout Colorado and Nevada.

A policy is a contract between you and the insurance company. In exchange for your premium, the insurer agrees to provide coverage according to the terms of your policy.

Types of Auto Insurance Coverage

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured and Underinsured Motorist Protection
  • Rental Reimbursement Coverage
  • Towing and Roadside Assistance

Because every driver’s situation is unique, we help compare coverage options from multiple carriers to find protection that meets your needs while remaining cost-effective.

a large white truck parked in a parking lot

Red semi-truck driving through scenic highway in a mountainous landscape.

Trucking and Transportation Insurance

Trucking and Transportation Insurance

Transportation businesses face unique risks that require specialized protection. We offer trucking and transportation insurance solutions designed to help keep your operation moving.

Coverage options may include:

  • Commercial truck insurance
  • Motor carrier liability coverage
  • Physical damage protection
  • Cargo insurance
  • Commercial auto coverage
  • Fleet insurance solutions

Whether you operate a single vehicle or manage a growing fleet, we help compare multiple insurance carriers to identify appropriate coverage for your operation.

Commercial and Business Insurance

Every business faces unique risks—from property damage and liability claims to workplace accidents and unexpected disruptions. Having the right commercial insurance can help protect your business, employees, and financial future.


As an independent insurance brokerage, we shop multiple insurance carriers to find coverage that fits your business—not the other way around. We take the time to understand your operations, industry, and risk exposures, then build a customized insurance solution designed to meet your needs and budget, whether you’re a contractor, small business owner, or growing company.

a large building with a lot of windows on top of it

COVERAGE OPTIONS INCLUDE

• General Liability Insurance

Helps protect your business from third-party injury and property damage claims.

• Commercial Property Insurance

Provides coverage for buildings, equipment, inventory, and other business assets.

• Business Owner’s Policies (BOP)

Combines several key coverages into one convenient and cost-effective package.

• Commercial Auto Insurance

Protects vehicles used for business purposes and helps manage risks associated with company transportation.

What Our Clients Say

Our clients appreciate the personalized service and attention they receive throughout the insurance process. Many rely on us for ongoing support, policy reviews, and assistance when life changes affect their coverage needs.

By focusing on education, communication, and long-term relationships, we have built a reputation as a trusted insurance resource throughout Denver and surrounding communities.