Fruita Insurance Experts Who Actually Live Here
Since 1992, we've helped Fruita families and businesses navigate sudden hailstorms, wildfire risks, and Colorado River flooding. Local knowledge, 26+ carrier relationships, and service that feels like family.
Fruita Proudly Borders the Colorado National Monument
Living minutes from sweeping red rock cliffs and expansive trails means your property faces unique wildfire and recreational equipment exposures. We know how to protect Fruita homes and mountain bikes alike from local risks.
Hailstorms Are a Fruita Summer Tradition
June storms brought hail over 1.75" in diameter to nearly 1,500 properties last year. Our comprehensive home and auto coverage ensures your claims are handled quickly—by neighbors who have experienced it, too.
Hot Tomato Pizzeria: Business Interruption Solved
When a kitchen fire shuttered this beloved downtown pizzeria, owner Karla faced thousands in lost revenue. Our fireside business interruption coverage covered $19,000 in payroll and temporary relocation, letting the staff keep serving Fruita while renovations finished. The pizzeria reopened for the famous summer bike events—right on schedule.
Trusted by Your Fruita Neighbors
1,430+ local families and businesses trust us with their protection. We're not just your insurance agency—we're your neighbors, invested in Fruita's success.
4.9/5 Stars
Google Reviews from real customers
97% Retention Rate
Fort Collins families and businesses protected
Independent
We work for you, not insurance companies
Local
Fort Collins owned & operated since 1992
Local Stories, Expert Solutions
Real Fruita families and businesses facing local challenges. See how regional expertise and local service make the difference.
Pine View Estates Hailstorm Recovery
After a spring hailstorm pummeled Pine View Estates, the Martinez family's roof and two cars were totaled. Our Fruita claims advocate was at their door the next morning, handling the $42,000 in damage and arranging same-week repairs with a trusted local roofer. The Martinezes slept under a new roof before the next thunderstorm.
River Glen Flood Insurance Payoff
The Johnsons bought a home near the Colorado River for the beautiful views—but last spring’s river flooding threatened their new investment. We had ensured they carried the right flood insurance, so their $28,500 repairs were fully covered and handled by a Fruita contractor. They hosted their annual neighborhood cookout just in time for summer.
Hot Tomato Pizzeria: Business Interruption Solved
When a kitchen fire shuttered this beloved downtown pizzeria, owner Karla faced thousands in lost revenue. Our fireside business interruption coverage covered $19,000 in payroll and temporary relocation, letting the staff keep serving Fruita while renovations finished. The pizzeria reopened for the famous summer bike events—right on schedule.
Ready to Work with Fruita Experts?
Experience the difference local knowledge makes. Compare quotes from 26+ carriers with agents who understand Fruita’s unique risks and opportunities.
Complete Fruita Protection
From auto to business, home to life—comprehensive protection designed for Fruita families and businesses with local expertise and competitive rates.
Meet Your Fruita Insurance Team
Real people, real local knowledge, real commitment to your protection. Our Fruita team is here when you need us—just down the street, not across the country.
Personal Relationships
You're not just an account number—you're our neighbor. Our local agents know your name, understand your family's needs, and provide personalized service that treats you like the individual you are. When you call, you'll speak with people who live in your community and truly care about your protection.
Local Market Knowledge
From hail damage to wildfire threats, we understand Fruita's unique insurance landscape. Our team knows which carriers perform best for local claims, what coverage options work best for active outdoor lifestyles, and how to navigate Colorado's strict workers' comp rules efficiently.
Local Service Network
When you need service, our local network delivers. Preferred repair shops, trusted contractors, and reliable service providers—all vetted by our team and proven in our community. Get faster service and better outcomes through relationships we've built specifically for Fruita customers.
Community Investment
We don't just work in Fruita—we invest in its future. From sponsoring local bike races to supporting community events at the Fruita Community Center, our success is tied to our community's success. When you choose us, you're supporting local business and local values.
Start with Fruita Experts
Call (970) 204-4553
Choose Fruita's Insurance Leaders
Join 1,430+ Fruita families and businesses who trust their protection to neighbors who understand their needs. Local expertise, competitive rates, and service that feels like family.