Frequently Asked Questions

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Peak Insurance Colorado provides comprehensive homeowners insurance coverage throughout Westminster, Denver, and the Front Range. Our policies include dwelling protection, personal property coverage, liability insurance, and additional living expenses. We specialize in coverage for Colorado's unique risks, including wildfire protection for homes in high-risk fire zones, hail damage coverage, and policies tailored for mountain properties. Whether you own a condo in Denver, a family home in Boulder, or property in Colorado's wildland-urban interface, we have the right homeowners insurance solution for your needs.

Auto insurance policies from Peak Insurance Colorado typically include liability coverage (required by Colorado law), collision and comprehensive coverage, medical payments, and uninsured/underinsured motorist protection. We also provide coverage for recreational vehicles including motorcycles, RVs, boats, and e-bikes - perfect for Colorado's outdoor lifestyle. Our experienced agents help Denver metro area residents understand their coverage options and ensure they have adequate protection, especially given Colorado's high number of uninsured drivers. We'll review your specific needs and policy details to make sure you understand exactly what's covered.

Peak Insurance Colorado offers several ways to reduce your insurance costs while maintaining proper coverage. Options include bundling your home and auto policies, increasing your deductibles, maintaining a good driving record, and taking advantage of available discounts such as: multi-vehicle, good student, military, first responder or safety feature discounts. Our Westminster-based agents will review your current coverage and identify potential savings opportunities specific to your situation. However, we always ensure you maintain adequate coverage - especially important in Colorado where underinsured drivers pose significant risks to your financial security.

Although insurance can easily be bought without ever talking with an agent, you lose the expertise an agent offers in making sure you are selecting the right products, assisting with claims both prior to and during the claims process, and in navigating the rapidly changing insurance world.

At Peak Insurance, we use our industry and general expertise to ask you first, what it is you need.  Each person, family and business has unique needs, whether it’s particular auto or home insurance needs, life insurance for both personal and business concerns, or business insurance to cover the particular concerns of the business.  After we review the various products that a client may need, we run quotes and tailor those to the client’s budget.  As policies come up for renewal, we review those with the client to determine any changes to the client’s needs as well as changes that may have occurred broadly in the industry.  

Peak Insurance recommends first reaching out to the agency to talk about the claim before filing it.  We may recommend seeking quotes from providers for certain claims prior to filing them.  For example, a minor hail storm may cause minor damage that the client would cover through their deductible alone due to limited costs.  If a claim is filed, that becomes part of the client’s record regardless of whether the insurer actually paid anything to cover that claim.  It is desirable to avoid filing a claim if at all possible.  Therefore, where the damage is within the deductible amount, or if a client believes they can cover the costs without filing a claim, this may be preferable.

In addition to excellent customer service - a quick turnaround time for calls from clients as well as having direct contact with clients to build rapport and trust - Peak Insurance’s employee experience includes extensive insurance-industry customer service and sales experience, an owner with a legal background involving various insurance products, and a former electrician who has hands on experience with the insurance needs in the contracting industry.  

One of the biggest issues facing Colorado residents is the number of under insured and uninsured motorists that are on the road.  For those without insurance, or who only have the state minimums (25/50/15), if they get into an accident that is their fault, they may not have enough coverage to pay the costs of the claims.  This could result in losing all their assets and ultimately bankruptcy.  For motorists who are not at fault, but also have insufficient coverage for bodily damage or damage to their vehicle, they will need to come up with funds from their own pockets if the at-fault driver did not have enough insurance and has insufficient assets to cover the damage done.  This could result in a costly and prolonged legal fight if there is even sufficient assets for the at-fault drive to pay any judgments that could be awarded.  Peak Insurance seeks to educate clients on what they need to do to limit these risks and their unique background in law and business helps to explain this.

Peak Insurance Colorado's owner, Elle Byram, brings a unique legal perspective that sets us apart from other insurance agencies in Westminster and the Denver metro area. As an attorney with experience in insurance defense litigation, Elle has seen firsthand how insurance policies are interpreted in court and what coverage gaps can cost clients in real-world legal situations.

Her legal background in estate planning and family law also means she understands how life insurance integrates with comprehensive financial planning, particularly during major life changes like divorce or estate transitions. This expertise helps our clients make informed decisions about coverage that truly protects their assets and family's future.

Most importantly, Elle's legal training allows her to clearly explain complex insurance regulations, policy language, and Colorado insurance laws in terms clients can understand. When claims arise or coverage questions emerge, having an attorney-owner means Peak Insurance Colorado can provide insights into how your policy will actually perform when you need it most - not just what it says on paper.

This legal expertise, combined with our team's hands-on industry experience, gives Peak Insurance Colorado clients confidence that they're working with professionals who understand both the business and legal sides of risk management in Colorado.