Protect What Matters with The Holste Agency

From home and auto to life and business insurance, we provide personalized coverage to keep your family and your future secure. Get a free, no-obligation quote today!

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Denver Metro’s Trusted Insurance Experts

At The Holste Agency, we provide comprehensive insurance solutions tailored to meet the unique needs of families and businesses in Arvada, CO, and the Denver Metro area.

With over 30 years of experience, our team is dedicated to helping you protect the things that matter most—whether that’s your home, your car, your family’s future, or your business. We work with over 150 insurance carriers worldwide, giving you access to multiple coverage and quote options, all while receiving personalized, local service.

Comprehensive Insurance Solutions for Every Need

Auto Insurance

Whether you’re driving around Arvada or heading into the mountains, you deserve to feel confident that your vehicle and family are protected.

We offer a wide range of auto insurance options, including liability, collision, and comprehensive coverage, as well as protection against uninsured motorists. Our goal is to provide peace of mind while keeping your premiums affordable.

Home Insurance

Your home is likely your biggest investment, and we’re here to protect it. Our homeowners insurance covers everything from the structure of your home to personal liability and additional living expenses if you’re displaced due to a covered loss.

With coverage designed to safeguard your home from Colorado’s unique risks, including hail and wildfires, we’re here to ensure that your home is fully protected.

Life Insurance

Life insurance is about ensuring your family’s financial security, no matter what the future holds. We offer a variety of life insurance options, including term life, whole life, and final expense coverage, giving you flexibility and peace of mind.

Whether you want to cover short-term expenses like a mortgage or provide a lasting legacy, we’ll help you choose the right policy for your family’s future.

Why Choose an Independent Insurance Agency?

At The Holste Agency, we’re proud to be an independent insurance agency. What does that mean for you? Unlike captive agencies that are tied to a single insurance provider, we work with over 150 top-rated insurance carriers. This gives us the ability to shop around on your behalf, providing you with multiple insurance quotes so you can compare coverage options and pricing.

By partnering with an independent agency, you get:

More Choices: We compare quotes from a variety of reputable insurers to ensure you’re getting the best protection at the most competitive price.
Personalized Solutions: Because we aren’t tied to one company, we have the flexibility to build custom insurance plans tailored to your unique needs.
Unbiased Advice: Our loyalty is to you, not any one insurer. We work for you, ensuring you have the right coverage without paying more than you need to.

Whether you’re looking for auto, home, life, or business insurance, our independence allows us to offer flexible options and better rates that fit your budget and your future.

Get the benefit of choice— Request your free, personalized quote today!

What Do I Need to Get an Insurance Quote?

Some vehicle, address, and personal information will help determine your coverage needs, deductible and policy cost.

Home Information

Property Address
Year Built
Total Finished Square Feet & No. of Stories
Safety Features (Smoke Alarms, Burglar Alarms, Deadbolts)
Detached Structures

Vehicle Information

Year, make, model, body style or VIN
Mileage
Garaged address
Name of the registered owner
Prior insurance carrier and expiration date

Personal Information

Homeowner Name(s) and Date(s) of Birth
No. of People Living in the Home Full-Time
Primary or Secondary Home
Claims History
Previous Coverage (if any)

Frequently Asked Questions

How much auto insurance do I need in Colorado?

Colorado requires a minimum of liability coverage—$25,000 per person for bodily injury and $50,000 per accident, plus $15,000 for property damage. However, we recommend higher limits to better protect your assets.

What’s covered under a standard homeowners insurance policy?

Homeowners insurance typically covers damage to your home and belongings from perils like fire, theft, and storms. It also provides liability coverage if someone is injured on your property.

Do I need life insurance if I have coverage through work?

While employer-provided life insurance is a great benefit, it often isn’t enough to fully protect your family. It’s usually a good idea to supplement it with a personal policy that meets your family’s long-term needs.

What types of business insurance do I need?

Every business is different, but essential coverages include general liability, property insurance, and workers’ compensation. We can help you create a customized policy that fits your specific risks.

How can I lower my life insurance premiums?

The younger and healthier you are when you purchase a policy, the lower your premiums will be. Maintaining a healthy lifestyle and opting for term life insurance are also cost-saving strategies.

Insurance Tips for the Denver Metro Area

Living in Arvada and the Denver Metro area comes with unique risks and insurance needs. Here are a few tips to make sure your coverage fits the region’s specific challenges:

Prepare for Hail Damage: Colorado is known for its hailstorms, which can cause significant damage to homes and vehicles. Make sure your auto and homeowners insurance policies include coverage for hail damage.
Protect Against Wildfires: If you live near open spaces or the foothills, wildfire risk is a serious concern. Review your homeowners insurance to ensure it includes fire and smoke damage protection.
Winter Weather Considerations: Heavy snowfall and icy conditions increase the risk of auto accidents and property damage. Consider adding comprehensive and collision coverage to your auto policy, and review your homeowners insurance for roof damage protection.
Flood Insurance: Standard homeowners insurance policies don’t cover flood damage. While floods may not be common, it’s worth considering flood insurance if your home is near a floodplain or subject to heavy snowmelt in spring.

Get a Free, No-Obligation Quote Today

We’re here to help you find the right insurance solution for your needs. Contact us today for a free, no-obligation quote and let us help you protect your family, your home, your business, and your future.

“The Holste Agency was INCREDIBLY helpful! They made the entire process easy and stress free! They took the time to understand my need and helped me quickly find the best policy and coverage. This company sincerely cares about its customers and you will feel confident in your decision to choose them!”

– Patricia F.

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