Insurance agencies · Colorado

Insurance Agencies in Castle Rock, CO

Local agencies in Castle Rock for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in Castle Rock

Castle Rock has 79,123 residents in 28,219 households. We list 35 insurance agencies in Castle Rock. Here is what the local numbers say about the cover people here need.

Castle Rock at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Douglas County

FEMA rates the overall natural hazard risk in Douglas County, where most Castle Rock agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

  • LightningVery High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Castle Rock
  • Winter weatherVery High
  • HailRelatively High

    Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

    Home insurance in Castle Rock
  • WildfireRelatively High

    Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.

    Home insurance in Castle Rock
  • TornadoRelatively High

    Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

    Home insurance in Castle Rock

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Colorado

Colorado requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $15,000 of property damage liability, often written 25/50/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Castle RockHow much liability cover do you need?

Source: doi.colorado.gov. Checked 2026-10-24.

Insurance companies Castle Rock agencies work with

Of the 18 Castle Rock agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

  1. Medicare Advantage6 agencies
  2. UnitedHealthcare6 agencies
  3. Humana4 agencies
  4. Liberty Mutual4 agencies
  5. Travelers4 agencies
  6. American Modern3 agencies
  7. Centene3 agencies
  8. Devoted Health Plan of Texas,3 agencies
  9. Employers3 agencies
  10. Foremost3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Castle Rock agencies can write

Share of the 35 agencies listed in Castle Rock that are appointed with at least one insurance company writing each type, or that name it on their own website.

  1. Life31%
  2. Home17%
  3. Boat17%
  4. Health17%
  5. Landlord14%
  6. Motorcycle14%
  7. Workers' Compensation14%
  8. General Liability11%

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Castle Rock agencies are

Castle Rock agencies we list sit in 3 ZIP codes, mostly in Douglas County.

  • 8010414 agencies
  • 8010911 agencies
  • 8010810 agencies

Questions

Insurance agencies in Castle Rock

How do I find an insurance agency in Castle Rock?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Castle Rock?

Most often life, home, health, accident & health, boat. Pick a type in the filters to narrow the list.

Which insurance companies do Castle Rock agencies work with?

Among the 18 Castle Rock agencies whose appointments we hold, the companies they are most often appointed with are Medicare Advantage (6), UnitedHealthcare (6), Humana (4), Liberty Mutual (4), Travelers (4). An appointed agency can quote that company's policies.

Do I need flood insurance in Castle Rock?

FEMA's National Risk Index rates inland flooding risk in Douglas County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Castle Rock?

21.2% of households in Castle Rock rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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