PCRG Insurance is an independent insurance agency serving Denver, its suburbs, and the Front Range foothills. Front Range living brings foothill views and wildfire exposure in equal measure. We build coverage around mountain-adjacent estates, equestrian properties, and Colorado’s outdoor lifestyle.
We compare coverage from multiple carriers and build one coordinated plan for your homes, vehicles, horses, business, and family, in Colorado and anywhere else you own property.
At a Glance
- Personal: Luxury homes, mountain second homes, condos, equestrian properties, auto, collector cars, RVs, ATVs, boats, umbrella, and life insurance
- Business: General liability, commercial property, commercial auto, commercial umbrella, and contractors insurance
- High-value: Foothill estates, fine art, jewelry, and umbrella coverage across multiple homes and states
Insurance We Offer in Denver
Luxury Home Insurance
Coverage for Denver estates and foothill homes, including extended or guaranteed replacement cost, wildfire coverage, and hail protection for roofs, windows, and siding.
Mountain Second Home Insurance
Coverage for ski homes and cabins in Vail, Beaver Creek, Aspen, Breckenridge, and Keystone, including protection while the home sits empty and coverage if you rent it to guests.
Equestrian and Hobby Farm Insurance
Coverage for barns, arenas, fencing, and horse trailers, plus liability for riders and visitors. We also help with equine mortality and major medical coverage, and care, custody, and control coverage if you board other owners’ horses.
Condo and Townhome Insurance
A condo policy (HO-6) covers your unit’s interior, belongings, and liability, plus loss assessment coverage if your HOA bills owners for a large claim.
Auto and Collector Car Insurance
Coverage for daily drivers, mountain vehicles, and collector cars, including comprehensive coverage for hail and uninsured motorist protection.
RV, ATV, E-Bike, and Boat Insurance
Coverage for the gear behind Colorado’s outdoor lifestyle, from RVs and campers to ATVs, UTVs, e-bikes, and boats on Chatfield, Cherry Creek, and Dillon reservoirs.
Umbrella Insurance
Extra liability protection above your home, auto, and equestrian policies, with every property listed if you own homes in Denver, the mountains, or another state.
Life Insurance
Coverage to protect your family’s income, cover estate costs, and support business succession, coordinated with your financial advisor or estate attorney.
Business Insurance
General liability, commercial property, commercial auto, commercial umbrella, and contractors insurance for Denver companies, mountain rental businesses, and home builders.
High-Value Home and Private Client Insurance
Coverage from carriers built for luxury homes and significant collections, including fine art, jewelry, and watches scheduled at appraised value.
Wildfire Insurance for Foothill and Mountain-Adjacent Homes
Homes in Evergreen, Genesee, Golden, Boulder, and other foothill communities sit in the wildland-urban interface, where wildfire risk is growing and some carriers have pulled back. The 2021 Marshall Fire also showed how many Colorado homeowners were underinsured when rebuilding costs rose.
A strong wildfire-ready policy includes:
- Extended or guaranteed replacement cost, so you can rebuild even if costs exceed your coverage limit
- An updated replacement cost estimate, reviewed regularly as construction costs change
- Building code upgrade coverage, for rebuilding to current code
- Wildfire defense services, offered by some high-value carriers
- Additional living expenses, if you need to live elsewhere during a rebuild
If your insurer has non-renewed your foothills home or raised your premium sharply, we can shop the market for alternatives.
Insurance for Equestrian Properties in Colorado
Horse properties in Parker, Franktown, Castle Rock, Elizabeth, and Cherry Hills Village need more than a standard homeowners policy. Most homeowners policies cover barns only up to a limited amount, don’t cover the horses themselves, and exclude liability for boarding or other business activity. A farm, ranch, or equine policy fills those gaps. Colorado’s equine liability law can also limit your exposure, but only if specific warning signs are posted, so it’s worth confirming your property meets the requirements.
Colorado Risks Your Insurance Should Account For
- Hail: The Front Range sees some of the most frequent hail in the country, and many policies use a separate percentage-based deductible for wind and hail.
- Wildfire: Growing risk for foothill and mountain homes in the wildland-urban interface.
- Flooding: Standard homeowners policies exclude flood, and flash floods can affect foothill canyons.
- Winter weather: Snow loads, ice dams, and frozen pipes can damage homes, especially mountain homes left empty.
Why Work with an Independent Private Client Agency
If you own a Denver home and a mountain property, keep horses, collect cars or art, or run a business, policies from separate companies can leave gaps. We compare carriers that specialize in high-value and complex households and coordinate everything in one plan.
Denver Communities We Serve
Denver Neighborhoods
Cherry Creek, Country Club, Polo Club, Belcaro, Hilltop, Crestmoor, Bonnie Brae, Washington Park, Observatory Park, and the Highlands.
Denver Suburbs and Foothills
Cherry Hills Village, Greenwood Village, Castle Pines, Castle Rock, Lone Tree, Parker, Franktown, Littleton, Golden, Lookout Mountain, Evergreen, Genesee, and Boulder.
Colorado Mountain Communities
Vail, Beaver Creek, Aspen, Breckenridge, and Keystone.
How to Get an Insurance Quote in Denver
- Tell us what you want to insure. Homes, vehicles, horses, valuables, business, or all of the above.
- We review your current coverage. We find gaps and overlaps, including property outside Colorado.
- We compare carriers. You’ll see options side by side, with coverage and cost.
- We stay with you. As your homes, vehicles, or business change, we update your coverage.
Denver Insurance FAQs
Does PCRG Insurance Serve Denver?
Yes. We serve individuals, families, and businesses throughout Denver, its suburbs, the foothills, and Colorado’s mountain communities.
Can I Get Home Insurance for a Wildfire-Prone Home in the Foothills?
Yes, though options may be narrower. An independent agency can compare carriers that still write homes in higher-risk areas, and wildfire mitigation, like defensible space and ember-resistant vents, may improve your options.
How Do I Know If My Colorado Home Is Underinsured?
Compare your dwelling coverage to a current replacement cost estimate, not your home’s market value. Rebuilding costs can rise quickly, especially after a large wildfire, so review your estimate regularly.
Why Is My Hail Deductible a Percentage?
Many Colorado policies use a separate wind and hail deductible based on a percentage of your dwelling coverage. That can make it much higher than your standard deductible, so it’s worth reviewing before storm season.
Does an Impact-Resistant Roof Lower My Premium?
Often, yes. Many insurers offer discounts for Class 4 impact-resistant roofing, which is designed to better withstand hail.
Does Homeowners Insurance Cover My Horses and Barn?
Only partly. Barns may be covered up to a limited amount, but horses usually aren’t, and boarding or business activity is typically excluded. A farm, ranch, or equine policy fills those gaps.
Will One Umbrella Policy Cover My Denver Home and Mountain Home?
It can, if every property, vehicle, and horse property is listed and your underlying policies meet the umbrella’s requirements.
What Is Private Client Insurance?
Coverage designed for high-value households, typically with higher limits, broader protection, and more personalized claims service, often combining multiple homes, vehicles, umbrella, and collections in one program.
Get an Insurance Quote in Denver
Tell us what you want to protect, and a PCRG advisor will review your coverage, show you where the gaps are, and compare options. There’s no cost and no obligation.