It plays a factor, but is not the determining one. Your dwelling coverage is mostly dictated on a price per square foot guideline based on the above ground square footage of your home. That could range from $120/sq. ft. if your home is fairly basic in finish to $250/sq. ft. and up if your home is very customized. Something to keep in mind is dwelling coverage does not include your land value because that does not play a factor in having to rebuild your home in the event of a loss. This is where value of your home and dwelling coverage could greatly differ.
This is always a tricky question and varies based on the customer themselves. When our clients ask whether they should carry full coverage auto insurance or liability only, we always respond back with the question “how much do you feel your car is worth?” Then we follow that question up with “if you were to get in an accident and wreck your car tomorrow, what would that amount of money be worth to you?” These two questions help the client realize the best coverage option themselves. Always keep in mind that if you have a loan on your vehicle, your finance company is probably going to require you carry full coverage insurance With that full coverage requirement the comprehensive and collision deductibles typically can’t exceed $1,000.
The Business Protection Team is our local, full-service commercial insurance department dedicated to protecting your business. We offer a full suite of AM Best “A” rated carriers and products. We are a true “one-stop shop” for all of your commercial insurance needs. Our specialized agents have an intimate knowledge of the Colorado business market with focus on specific industry segments and can guide you through the complexities of how your business should be covered. From smaller, one person operations all the way to larger multi-location businesses, The Business Protection Team will deliver the highest level of customer experience. We strive to be the permanent go-to for all of your commercial insurance needs for years to come!
MEET MIKE MATHISEN
Mike has been in the insurance industry since 1990 and if his many years of experience have taught him anything, it’s that the Insurance business is the People business. He is driven by his mission of protecting the assets of clients and their families in the event of unexpected financial disaster. Colorado Insurance is built on a foundation of customer values providing the best price, protection and service in the industry. A local family man, Mike lives in Littleton, Colorado and cherishes the time he is able to spend with his three grown children and his many grandchildren. He enjoys mountain backpacking, golf, fishing and loves to cook for family and friends.
MEET CALEB M. ATCHISON
Caleb joined Colorado insurance in May of 2005 after graduating with a business marketing/management degree from Colorado State University. Caleb began his career as an independent agent, growing and developing under the direction of agency President, Mike Mathisen.
After 5 years of steady growth and success as an independent agent, Caleb assumed the role of Junior Partner to the agency in August of 2009. During this time period, Caleb’s core focus was marketing, recruiting, training, and operations development.
MEET SARAH ZAMBRANO
Sarah has been in the in the insurance industry since 1999. She was born and raised in San Diego, CA and has lived in Colorado for since 2004. Helping people solve their problems is what she does best. Since joining the agency, Sarah has become a valued leader in the office. As Operations Manager, Sarah is responsible for the day-to-day operations of several departments and promotes the leadership philosophy where each staff member plays a critical role in the success of the business as a whole. She enjoys spending her free time with her 2 children and watching their various sporting activities.
Vice President of The Business Protection Team
MEET RYAN MATHISEN
Ryan grew up in Highlands Ranch, Colorado and studied at the University of Kansas. He has been involved in the insurance business his whole life and has a professional background in both sales as well as internet technology. He is happily married to his wife, Kami, and has just recently welcomed a new baby boy named Max to his family. Ryan is a big fan of the Denver Nuggets, Denver Broncos as well as the Kansas Jayhawks!
Director of Sales For Colorado Region
MEET CHAD MAXEY
Chad has been working in the insurance industry for over fifteen years. He loves meeting clients building a long lasting trust with them and helping them find the most comprehensive coverage that meets their needs. Chad has lived in Colorado for over 24 years and loves everything the state has to offer. In his spare time he’s an avid fly fisherman and plans to tackle climbing more fourteeners in the near future. The best thing in his life is his family and he cherishes spending every moment with his best friend and wife Lindsey and their children.
Business Development Manager
MEET ANDY MATHISEN
Andy started with Colorado Insurance in 2012 when he brought his marketing and communications background to the agency. Coming from a start-up company in Denver, he wore many hats and was looking to assist the family business by dialing into a lead generation role. After many years as Marketing Director, he pivoted into a sales management position to assist in the growth of the in-house sales team. That experience has brought him full circle into the current role of Business Development Manager where he focuses on building a solid foundation of agency owners in many states for Colorado Insurance. His #1 motivation is to grow this family owned and operated business into one of the top personal lines agencies in the country.
Shawn Jaeger on the business team is THE best! I've shopped around a ton for insurance and he has beat the pricing and the coverage hands down! The best part is that he genuinely cares and listens to your needs. With our company we are creating a scaling plan and he is not only quoting to help provide forecasting info for us, he is also helping make a plan based off our needs. Great family guy, honest, and helpful. I'm super pleased and highly recommend. Thanks Shawn!Chrystal Huskey :)
Kate Petree went above and beyond to find me a better policy for both my home and auto. I appreciated her knowledge and how she was able to explain the benefits, etc. of my policies. On a side note, I work in a real estate office and she also quickly assisted a client of mine with his policy. Greatly appreciated!Dawn Mathisen :)
What a great experience. They gave me several options with different companies and did an outstanding job explaining the differences. Most companies just sell you their own companies policy. I was able to get a great policy that was within my budget.Kirk Johnson :)
8am-5pm Monday - Friday O: 720.283.1722 / F: 720.283.1726
7901 Southpark Plaza #110, Littleton, CO 80120
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