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Colorado: (303) 532-3000
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Better Home and Auto Insurance

When Carriers Compete, You Save

We shop the nation’s best insurance carriers so they compete for your business.
Dave is always proactive rather than reactive. He emails us to let us know that he is looking if there are better policies for us than the ones we currently have. We don’t ask him, he just does it.
Hannah V.
I have worked with lots of insurance agents in my life and I can confidently say that Dave is the best.
Tom S.
Better Home and Auto Insurance

When Carriers Compete, You Save

We shop the nation’s best insurance carriers so they compete for your business.
Dave is always proactive rather than reactive. He emails us to let us know that he is looking if there are better policies for us than the ones we currently have. We don’t ask him, he just does it.
Hannah V.
I have worked with lots of insurance agents in my life and I can confidently say that Dave is the best.
Tom S.
Better Home and Auto Insurance

When Carriers Compete, You Save

We shop the nation’s best insurance carriers so they compete for your business.
Annual Client Review

The Best Rates. Every Year. Automatically.

Insurance rates fluctuate constantly. That’s why each year you’ll receive an annual policy review, which includes a complete re-shop of all of your policies with multiple insurance companies so you’re always getting the best rate.
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Experience Proactive Insurance

An Insurance Advisor Who Works For YOU

We work for YOU, not for the insurance carriers.
insurance for people who care

Clients Love Us Because We Always Go the Extra Mile

At Lone Tree Insurance, we combine good ol’-fashioned personal service with the convenience of new-fangled technology to ensure you’re always being taken care of.

We’ve worked with Dave for many years now, my wife has been the primary contact during the entire time and I’ve simply been the beneficiary, until today when I had a question so I set up a call. I think the best word to use in describing our experience is “partnership”. David and his team redefine service in efficiency, effectiveness, and quality.
John D. — Boulder, CO
Lone Tree Insurance was quick to provide competitive quotes for our homeowner’s policy and made it super easy to understand the policy with a short video clip explaining coverage. Definitely recommend them!
Carolina C. — Whitefish, MT
David and Michelle made my first outing into the insurance world really easy. I feel confident they gave me the best policies for the cost. They are very approachable and communicate promptly. Safe to say I’ll be sticking with them a long time!
Elizabeth H. — Castle Rock, CO
simple 3-step process

Your Path to Outlandishly Better Insurance

Our three step process makes home and auto insurance crazy simple. You’ll get insurance you understand, that protects your assets, at the best rate available.
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Products

Your Home. Your Car. You’re Covered.

Homeowners Insurance

Not all homeowners policies are created equal. It’s extremely easy to buy a very bad home insurance policy and have no idea you’ve made a mistake until it’s too late.

 

The true value of home insurance is found in the policy’s endorsements. We’ll help you avoid making a costly mistake.

Landlord Insurance

Lease-term lengths are not all viewed the same by insurance companies, and you may need a different type of policy depending on how you’re renting your home out.

 

AirBnb? VRBO? 3-month rental? 6-month rental? Letting your in-laws stay there rent-free?

 

All variables matter and can change how to insure your property. We’ll help you find the right plan for your situation.

Auto Insurance

When it comes to auto insurance, it’s definitely NOT so easy a neanderthal can do it.

 

This may sound crazy, but having the wrong type of auto insurance could cost you everything you own, and cost you future earnings! We’ll help you understand what coverage makes sense for your needs.

Life Insurance

The loss of a loved one is hard. The loss of their income makes an unimaginably difficult time even harder.

 

Life insurance can be surprisingly inexpensive, but truly mean the difference between financial ruin for a surviving spouse or one’s dependents. We’ll help you find peace of mind finding the right coverage for your circumstances.

Unusually excellent service

Real People. Real Simple.

With Lone Tree Insurance, you’re never just a number in the system. When you call us, you get us — not a call center.
Better yet, we make home and auto insurance super easy. You’ll experience that warm hugs sorta feeling you get from working with real people you trust, but with ease and efficiency of an online carrier.
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faqs

You've Got Questions, We've Got Answers

No, you do not pay anything extra to work with Lone Tree Insurance. Insurance companies can afford to pay us a commission without charging you anything extra because they didn’t have to spend money on advertising to get you to call them directly. Seriously! It costs insurance companies an insane amount of advertising dollars to get you to call them directly. We take that cost out of the equation for them.

Yes, we send all of our clients an email 35 days prior to their policy(ies) renewal date to schedule a renewal review call with one of our friendly, amazing, and knowledgeable licensed agents. As part of that renewal review call, we will discuss the results of our annual re-shop to see if it makes sense to move your policies to a different insurance carrier. It’s fast, free and easy!
No, we don’t work with every insurance company. Many insurance companies are called “direct writers,” which means they will only allow their employees to sell their products, and they do not work with insurance brokers. From a practical standpoint, this doesn’t usually matter. Our rates are generally more competitive than the rates of direct writers.

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Your Home. Your Car. You’re Covered.

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