Insurance agencies · Colorado
Insurance Agencies in Montrose, CO
Local agencies in Montrose for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Montrose
Montrose has 21,044 residents in 9,050 households. We list 1 insurance agencies in Montrose. Here is what the local numbers say about the cover people here need.
Montrose at a glance
- 1insurance agencies listed
- 29.3%of households rentRenters insurance
- $387,900median home valueHome insurance
- 1994median year homes were builtRebuild cost calculator
- 5.3%of households have no carAuto insurance
- 9.1%of homes are mobile homesMobile home insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
Natural hazard risk in Montrose County
FEMA rates the overall natural hazard risk in Montrose County, where most Montrose agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:
- Lightning
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Colorado
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 ColoradoHow much liability cover do you need?
Source: doi.colorado.gov. Checked 2026-10-24.
Questions
Insurance agencies in Montrose
How do I find an insurance agency in Montrose?
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.
Do I need flood insurance in Montrose?
FEMA's National Risk Index rates inland flooding risk in Montrose County as Relatively Low 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 Montrose?
29.3% of households in Montrose 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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