Fort Collins Insurance That's Built for Your World
As an independent agency right here in Fort Collins, we know your world—from the risk of foothills wildfires to navigating hailstorms and Front Range winds. We'll get to know you, then shop over 20 carriers to find the perfect coverage for your Northern Colorado life.
Protecting What Matters Most in Fort Collins
Protecting What Matters Most in Fort Collins
Local Expertise You Can Trust
YOUR NEIGHBORS IN INSURANCE
We don't just work in Northern Colorado; we live here, too. We understand the nuances of life from Old Town to the Harmony Corridor—because they're our neighborhoods, too. We know the risks, from Front Range weather to the needs of a growing university town, and we're here to help you navigate it all.
We Shop 20+ Carriers
THE RIGHT COVERAGE, NOT JUST ANY COVERAGE
As an independent agency, we aren't tied to one company. We shop over 20 trusted carriers to find the perfect fit for your situation, comparing policies and rates to ensure you're protected. We do the legwork to find coverage that truly fits your life in Larimer County, saving you time and giving you confidence in your choice.
We're There When It Matters Most
WE ANSWER THE PHONE WHEN YOU CALL
A bad hailstorm, a wreck on College Avenue, or a wind-damaged roof—when life happens, you need help, not a voicemail. We don't disappear after the policy is signed. When you need to file a claim, we're here to walk you through it, step by step. That's the difference between an 800-number and a neighbor.
Plain English
No-Pressure Service
PLAIN ENGLISH, HONEST ADVICE
Insurance can feel complicated, but it doesn't have to be. We take the time to explain your coverage in straightforward language, so you can feel confident in your decisions. Our only goal is to help you understand what you're buying and make sure you're properly protected. No jargon, no sales pressure. Ever.
ATV/UTV Insurance
From Horsetooth trails to Poudre Canyon rides, get coverage built for Northern Colorado's terrain and trail conditions—at a price that fits your family budget. We're local, we get it, and we make insurance simple for riders.
Auto + Home/Renters Bundle
From CSU traffic on College Avenue to hail season in Northern Colorado, get comprehensive coverage designed for Fort Collins families—at a price that fits your budget. We're local, we answer the phone, and we make bundling simple.
Auto Insurance
From hail storms to winter drives on I-25, get coverage that fits your busy life without confusing jargon or hidden fees. We're local experts who explain everything clearly and help you save with bundles.
Boat/Personal Watercraft Insurance
From Horsetooth Reservoir to mountain lakes, get coverage built for Colorado boating—comprehensive protection at a price that fits your family budget. We're local, we get it, and we make boat insurance simple.
Business Owner's Policy
From craft breweries downtown to CSU-area startups to contractors serving Northern Colorado—get coverage designed for Fort Collins business owners. We bundle property, liability, and income protection at prices that fit your budget.
Classic Car Insurance
From hail storms on I-25 to mountain drives through Poudre Canyon, get coverage built for Colorado Front Range conditions—at rates that respect your budget. We're local, we get it, and we make insurance simple for collectors.
General Liability
From craft breweries on College Avenue to tech startups in the Creative District, Fort Collins businesses face real risks—slip-and-falls, property damage, advertising claims. Get coverage that protects what you've built, from a neighbor who understands your world.
Home Insurance
From hailstorms to flash floods, from wildfire smoke to winter freezes—Fort Collins families face unique risks. Get comprehensive coverage that actually protects your home and fits your budget, with local experts who know Northern Colorado.
Landlord (Rental Property) Insurance
From CSU student rentals to multi-family properties near Old Town, we understand Fort Collins landlords face tenant turnover, hail damage, and vacancy risks. Get comprehensive coverage that protects your rental income and shields your assets—at rates that make sense for Colorado investors.
Life Insurance
From CSU students starting out to growing families in Windsor and established professionals across Northern Colorado—get coverage that protects who matters most. We're local, we answer the phone, and we make life insurance simple.
Professional Liability E&O
From tech startups near CSU to established consultants in Old Town, Fort Collins professionals face real E&O risks. Get coverage that understands your Northern Colorado business—at rates that work for your budget.
Renters Insurance
From CSU dorms to Old Town apartments to mountain-side condos, Fort Collins renters face unique risks—hail damage, break-ins, and flash floods. Get affordable coverage that actually protects what you own.
Roadside Assistance
From Poudre Canyon breakdowns to I-25 flats, get roadside help that actually answers when you call. We're local experts who know Fort Collins roads—and we make sure you're covered when life happens on College Avenue or Highway 14.
Workers' Comp
From CSU startups to craft breweries to construction crews building Northern Colorado—get coverage that meets state requirements and keeps your team protected. We're local, we understand Fort Collins businesses, and we make workers' comp straightforward.
Real-Life Protection Stories from Fort Collins
We stand beside our community through challenges big and small. For your Fort Collins neighbors, our help is more than a policy—it's a promise.
WHEN FOOTHILLS WILDFIRES THREATEN
Support during evacuation and help with recovery for our foothills families.
COVERAGE FOR OLD TOWN'S LOCAL DREAMERS
The right business insurance for our local brewers, makers, and shop owners.
PROTECTION FOR YOUR ACTIVE NORTHERN COLORADO LIFE
Coverage that follows you from the bike trails at Horsetooth to the ski slopes.
Ready to Protect Your Fort Collins Family?
Let's find the right coverage for your life and budget.
Proudly Serving Fort Collins & Northern Colorado
Our roots run deep here. From the historic streets of Old Town to the growing communities along the Harmony Corridor and the foothills near Horsetooth, we're proud to serve our neighbors. Our commitment extends throughout Larimer County, including the communities of Loveland, Windsor, and Wellington.
The JWR Difference for Our Neighbors:
- Truly local agents who understand Front Range weather, from hail to high winds.
- Personalized advice for CSU students, growing families, and local business owners.
- A deep understanding of the risks and opportunities in our unique economy.
- A commitment to being there for you, right here in our community.