Free insurance checkup
Most people treat personal auto and homeowners insurance like a utility bill: buy it once, pay it every year, and hope nothing goes wrong. That approach worked better when homes were cheaper to rebuild, cars cost less to repair, and insurance markets were more stable. None of those things is true in Colorado today.
An annual checkup with an independent insurance agency is one of the simplest ways to confirm you still have the right coverage and limits—and that you are not overpaying a single carrier that no longer fits your situation. At Welsh Insurance Agency, we have served Loveland, Fort Collins, and Northern Colorado families since 1987. Because we work for you, not one company, we can compare A-rated carriers and place your policy where the coverage, service, and price line up.
Why last year’s policy is rarely this year’s solution
Your life, your property, and the insurance market all move. A policy that was adequate 12 or 24 months ago can leave a gap you only discover after a claim.
What changes on the homeowners side
• Rebuild costs keep rising. Labor, materials, and code upgrades mean many homes are no longer insured for 100% of replacement cost—even if the dwelling limit looked fine when the policy was written.
• Colorado weather risk is real. Hail, wind, and wildfire exposure affect deductibles, roof settlement (replacement cost vs. actual cash value), and which carriers will write the risk.
• Home improvements add value and exposure. A finished basement, new roof, solar, a hot tub, or a shop building can outgrow last year’s limits and endorsements.
• Personal property and liability needs grow. Jewelry, electronics, collectibles, a home-based business, or teenage drivers change what the policy should do.
• Carrier appetite changes. A company that was competitive last renewal may have tightened guidelines, raised deductibles, or increased rates in your ZIP code.
What changes on the auto side
• Vehicles change. A new car, a teen driver, a commute, rideshare, or a vehicle used for work can all require different liability, physical damage, and medical limits.
• Repair costs are higher. Parts, labor, and advanced safety systems make underinsured collision and comprehensive limits more expensive after a loss.
• State minimum liability is not enough. Colorado’s required limits are a floor, not a plan. A serious accident can easily exceed them.
• Discounts appear and disappear. Safe-driver programs, telematics, multi-car, paid-in-full, and bundling credits should be rechecked every year.
• Your driving record and credit-based insurance score can improve—or slip—enough to move you into a better (or worse) rate tier.
Proper coverage and limits matter more than the cheapest premium
The goal of an annual review is not simply a lower bill. It is the right protection at a competitive price with a financially strong carrier. Saving $15 a month is a poor trade if a hailstorm or liability claim leaves you tens of thousands of dollars short.
For homeowners, that starts with insuring the dwelling for 100% of replacement cost—the amount it would actually take to rebuild—not the real-estate market value and not a guess from several years ago. We also look at wind/hail deductibles, roof payment terms, ordinance or law coverage, other structures, personal property (replacement cost vs. actual cash value), loss of use, and liability limits that match today’s lawsuit environment.
For auto, we review liability limits, uninsured/underinsured motorist coverage, medical payments or PIP options, comprehensive and collision deductibles, rental reimbursement, and whether every driver and vehicle is listed correctly. Many households still carry limits that would have been reasonable a decade ago and are not reasonable now.
Why an independent agency is the right place for that checkup
A captive or direct-to-consumer company can only sell its own product. When that product no longer fits—or is no longer priced competitively—you have one option: stay or leave on your own.
An independent agency shops multiple quality carriers on your behalf. That matters when:
• One company has raised rates sharply in hail-prone ZIP codes while another remains competitive.
• Your home or driving profile fits better with a different underwriter than the one you chose three years ago.
• You can earn a multi-policy discount by placing auto and home with the same strong carrier—or by splitting them when that produces a better result.
• You need someone local who will explain deductibles, exclusions, and claim realities in plain language before you have a loss.
Welsh Insurance Agency is a Trusted Choice member of the Independent Insurance Agents & Brokers of America. We represent numerous A-rated carriers serving Colorado and Wyoming. Our job is to compare options, explain the differences, and recommend coverage that actually fits—not to push a single company’s product of the month.
What an annual checkup with Welsh Insurance Agency includes
A no-cost, no-obligation review is practical, not theoretical. When you sit down with us (or send your current declarations pages), we typically:
• Compare your current auto and homeowners policies side by side with alternatives from quality carriers.
• Recalculate dwelling replacement cost so the home is not underinsured.
• Review wind/hail deductibles, roof settlement language, and available resilient-roof or mitigation credits.
• Check liability limits on both policies against your assets and today’s claim environment.
• Confirm every vehicle, driver, and additional interest (lender or leasing company) is listed correctly.
• Look for unused discounts: multi-policy, multi-car, paid-in-full, defensive driving, good student, new home, impact-resistant roof, and more.
• Flag gaps such as scheduled personal property, umbrella liability, rental reimbursement, or business use of a personal vehicle.
• Explain trade-offs in plain English so you can choose coverage and price with eyes open.
You leave knowing whether to keep what you have, raise limits, change deductibles, or move to a better-fitting carrier—without doing the shopping yourself.
A few questions worth answering every year
• If my house were a total loss tomorrow, would the dwelling limit rebuild it to current code?
• Is my roof paid at replacement cost or depreciated actual cash value?
• Do my auto liability and uninsured motorist limits protect my savings if the other driver has little or no insurance?
• Have I added a driver, a vehicle, a home office, a dog, a trampoline, or a short-term rental that is not on the policy?
• Am I still with this carrier because it is the best fit—or because no one has shopped it in three years?
If any of those answers is “I’m not sure,” it is time for a review.
Schedule your complimentary auto and homeowners review
Insurance should protect the life you actually live now—not the one you lived when you first bought the policy. An annual checkup with an independent agency is the straightforward way to keep coverage, limits, and price aligned with quality carriers.
Welsh Insurance Agency offers a complimentary policy review and comparison for personal auto and homeowners insurance. We shop. You save. And you stay properly covered.
Contact us today:
Loveland office: (970) 663-5404
Fort Collins office: (970) 206-1810
Website: www.wiainsurance.com
Email: jeff@wiainsurance.com
Where Insurance is All About You.