Chris Young Agency, LLC
3835 W 10th St, Ste 200D, Greeley, CO 80634
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Greeley households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3835 W 10th St, Ste 200D, Greeley, CO 80634
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1710 9th St, Greeley, CO 80631
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1710 9th St, Greeley, CO 80631
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1750 25th Avenue, Suite 205, Greeley, CO 80634
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1218 8th Ave, Greeley, CO 80631
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Learn about insurance coverage options specific to Greeley residents.
Greeley insurance costs $4,100/year for home, 25/50/15 minimum for auto. Learn why hail drives Colorado's rates and how to protect your property in Weld County.
Home InsuranceGreeley sits in Hail Alley with 100+ storms yearly. Learn about wind/hail deductibles, premium costs, and coverage strategies for Colorado homeowners.
Car InsuranceGreeley drivers pay $441/year for minimum coverage—some of the lowest rates in Colorado. Learn about 25/50/15 requirements and how to save.
Colorado ranks among the five most expensive states for home insurance, averaging around $4,100 annually. The primary driver is hail damage—Colorado sits in the center of Hail Alley and experiences frequent severe storms that cause billions in insured losses. Hail causes more insurance claims in Colorado than any other disaster, including wildfires. Greeley specifically sees an average of seven to nine hail days per year, making comprehensive coverage essential and costly.
While Colorado requires 25/50/15 liability coverage, those limits are dangerously low for serious accidents. Most experts recommend at least 100/300/50, and if you own a home or have significant assets, consider 250/500/100. You also need comprehensive coverage for hail damage and should never waive uninsured/underinsured motorist coverage, as roughly 13% of Colorado drivers carry no insurance.
Contact your insurance company or agent immediately after a storm to begin the claims process. Don't wait days or weeks—hailstorms often damage hundreds of properties simultaneously, creating adjuster backlogs. Document all damage with photos and videos as soon as it's safe, and take steps to prevent further damage like tarping roofs or boarding windows. Quick action improves both claim outcomes and repair timelines.
Yes. Colorado law allows insurers to non-renew policies after multiple claims, including hail damage. If you file claims every few years, your insurer may choose not to renew your coverage when your policy term ends. This makes it critical to file claims only when damage genuinely exceeds your deductible and to document all damage professionally with inspections before filing.
Both have advantages. Independent agencies like Gronquist Insurance or Fort Collins Insurance represent multiple carriers and can shop your coverage across dozens of companies, making it easier to find better rates or switch after claims. Captive agents working for companies like State Farm or Farm Bureau often provide strong bundled discounts and streamlined service. The most important factor is finding an agent who understands Greeley's specific hail and weather risks.
The biggest discount opportunity is installing a Class 4 impact-resistant roof, which can save 20% or more on premiums. Other valuable discounts include bundling home and auto insurance with the same carrier, installing monitored security systems, paying your premium in full annually, and maintaining a claims-free history. Given Colorado's high rates averaging $4,100 per year, these discounts can save hundreds of dollars annually.
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