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We Are Your Local Safeco Insurance Agents

Looking for a Safeco Insurance Agent? You are at the right place. We are appointed and represent Safeco Insurance and their products. Our agent code is 05-3429. We are a full service National insurance agency. Here is a line up of products that we write-through Safeco.                Click here to see our Agent listing on the Official Safeco Insurance Website.

  • Auto/Car Insurance
  • Collector Car Insurance
  • Home Insurance
  • Condo Insurance
  • Renter’s Insurance
  • Landlord Dwelling Insurance
  • Landlord Condo Insurance
  • Personal Umbrella Insurance
  • Commercial & Business Insurance
  • And More!

We service the following area’s in Colorado:

Aurora, Arvada, Colorado Springs, Commerce City, Castle Rock, Denver, , Centennial, Englewood, Greenwood Village, Littleton, Northglenn, Thornton, Westminster, Wheatridge and more. Please visit this link for our map.

If you would like a quote, please contact us during normal business hours, or shoot us an email. Thanks for visiting our site!

How To Know If Your Dealing With A Licensed Insurance Agent Or Company

Today is this world, it seems like some one is always out to scam or cheat someone else. We all know its very important to protect your identity and other financial information. We all need to be skeptical, and must protect ourselves as best as we can. So how do you know if your dealing with a legitimate agent or company when shopping for insurance? You have to give out a lot of information when shopping for insurance. It’s always good to double-check if that person or company is licensed before you do so.

How Do I check If a Company or Person Is Licensed?

It’s very easy to check if an agent is licensed or if a company has a certificate of authority. You can simply do this by contacting the department of insurance in your state. For example in Colorado, its DORA- Division of insurance.  From here you can see if they’re licensed and what lines they authorized to transact business in. It also shows the dates of inception and expiration of their license or Certificate Of Authority.

The division of insurance also requires agents to pass a mandatory test, and also pass a credit and background check. They require insurance companies to get a Certificate Of Authority, and to prove solvency and stability  in order to write insurance in their state.  Some companies are Surplus and Excess and do not have to got thorough the process of getting a Certificate Of Authority. These companies  write unusual risks or hard to place, and are considered non-standard markets. In most states, the commissioner has a list of Surplus and Excess companies they find the most trust worthy.

Other Ways to Verify Acknowledgement and Recognition

  • Most agents must go through the process of being appointed by an insurance company. This includes license check with the state, background check, and credit check.
  • Check the financial score of an insurance company by visiting AM Best.
  • Check with the BBB.
  • See how long a company or agent has been in business. A new or small company or agent is not necessarily negative.
  • Meeting an agent or company rep in person is always a good idea.
  • See if the agent and/or company has any past or current complaints with the division of insurance.

Most of all if its to good to be true, or you feel uncomfortable, don’t give out your personal information! Check with the State Department of Insurance first. As always if you have more questions please call us during normal business hours.

Are You Prepared For A Loss?

So much of the time we are more concerned about how much our monthly premium is than what we have to pay in a deductible should we have a loss.  We margin our deductible at a level in order to make our insurance premium comfortable, thus, in the time of a loss, we are not prepared to make the deductible payment.

For example, Susie has a business that is a high-end clothing store.  She has taken out business insurance to cover her investment but has set her deductible at a high level because she wants to keep her premium low.  When the time comes when Susie does suffer a loss, she is not prepared to pay the $10,000 deductible that she has requested on her insurance policy.

We need to prepare ourselves by saving money each week so we are can make the deductible payment should we experience a loss.  Isn’t that what insurance is really about, taking care of the loss when we actually have one?  So, put the money aside, and take care of yourself,  your business, your home and family by always having enough money to cover your deductibles on your insurance policy.

Colorado earthquakes and your Home Insurance

Recently in Colorado, we have been getting a lot more seismic activity. It seems like we have been getting a lot more earthquakes lately. So what does this mean for your homeowners insurance? Lets first take a look at recent incidents.

Latest notable earthquake activity

-Sept 16, 2011, located below the Colorado border.  3.8 magnitude.

-Sept 12th, 2011, location near Craig Colorado. 3.7 magnitude.

-Sept 11th, 2011, location near Kiowa Colorado. 3.9 magnitude.

-Aug 22, 2011, 9 miles outside of Trinidad, 5.3 magnitude.

Other notable older earthquakes

-1967, near Denver, Colorado. 5.3 magnitude.

-1973, northwest corner of Colorado, 5.7 magnitude.

Largest Earthquake in Colorado History

In 1882 the state experienced its largest earthquake, which occurred in now what is Rocky Mountain National Park. It read a 6.5 on the Rictor scale. By far the biggest earthquake in Colorado history.

What does this mean for your Homeowners insurance?

A standard homeowners insurance policy does not cover earthquakes. You must by a separate insurance policy, known as earthquake insurance. This policy would provide coverage for your dwelling and contents, if an earthquake were ever to occur.

Should I buy earthquake insurance with all this seismic activity lately in Colorado?

Event though we have had a lot of activity lately, I don’t think people should be out panicking about this. I believe by looking at the plates, the chances of a big enough earthquake to come along, in a high populated area is very unlikely.  My professional opinion is that buying earthquake insurance at this time is most likely unnecessary.  We have never had an earthquake that has caused a significant amount of property damage or has hurt or killed anyone in our Colorado history. This is something that could change down the road, depending on what happens.

If you are interested in purchasing Earthquake insurance, and feel there is a need for it, please contact us during or normal business hours.


In today’s economy, we all need to “take it to the top”.  In the insurance business this could mean to insure all of your valuables in a well-written and comprehensive policy.  If you have valuable furs, precious jewels, diamonds, coins, or valuable stones, they need to be insured for market value or stated value.

As the insured, you should have endorsements and individual floaters to cover all of your valuables.  Don’t be afraid to “take it to the top” in adding coverage, even if it means increasing your premium.  You will be money ahead.  Let your insurance agent assist you in developing a policy that provides the right coverage for you.

Allow your insurance agent “take it to the top” in giving you the service and insurance you deserve.  We at Denvers Insurance do just that.  Let us give you a quote that will be reasonable and yet allow the proper coverage. 

Karen W. Schneider

Denvers Insurance LLC and the Ahbe Group

2833 South Colorado Blvd.

Denver, Colorado  80222

(303) 219-4985



Get A Quote From Us!

We are a full service national insurance agency. We are also locally owned and family operated. We are insurance brokers and independent agents, who have the comprehensive resources to put together policies with the best coverage at the lowest cost. So call today. We can give you a quote on just about all your insurance needs. We also started in 2007 and have been growing through this recession thanks to great clients and neighbors in the Colorado area. Be apart of our family today!

Negligent Fire Works On 4th July Fires Up Millions In Property Damage And Bodily Injury Each Year

Independence Day is one of my most favorite days of the year. We celebrate our great Country. We get together with friends and family, enjoy that out doors and bar-b-que. We enjoy the All Star GAme on TV, and sit back relax and drink beer. But there is one thing we all forget. The fact that millions of dollars of property damage and bodily injury occurs each year due to fire works.

According Rocky Mountain Insurance Information , In 2009, fireworks started an estimated 18,000 reported fires, including 1,300 structure fires, 400 car fires, and 16,300 outside and other fires. These fires resulted in one death, 30 injuries and $38 million in property damage (National Fire Protection Association latest data).

On the 4th of July, there are more reported fires then any other day. This makes it difficult for fire and police departments, to respond to emergencies.

Our advice at Denvers Insurance Agency and The Ahbe Group is to leave it up to the professional’s. Keep in mind that the most commonly injured person from fire works, are young children, usually from a sparkler. Sparklers can burn up to 1200 degrees.

Our advice for the fourth of July is to be safe, and leave the fireworks to the pros. Here is a list in Colorado of upcoming fire work displays for 2011, courtesy, The Denver Channel.


Our Agency Enjoys Insuring Gun Stores & Outdoor Insurance Products

Our agency loves to insure gun stores and gun smithing operations. Mark A. Schneider owner of the agency, is a gun owner, collector, hunter and is a big believer in the 2nd Amendment. He spends time on learning new things in the industry. This can be anywhere from new risk that can arise in the market, to learning new guns that are coming out. Mark is also a member of the NRA and RMGO- Rocky Mountain Gun Owners. He believes in protecting gun owners rights.

Mark also loves to go shooting and hunting. He plans a Deer hunt each Fall with friends. Camping is a big part of his summer, along with shooting at least once a month. Sometimes once a week.  He also loves to fish. “I Love the outdoors and anything involved with it”, said Mark.

Mark A. Schneider has been selling Outdoor Insurance Products for a while now. He can help you insure your gun shop/smithing, shooting range, Guest Ranch, Outdoor Guides, Gun & Rod Club and more. Please visit his Contact Page Or Quote Page to Contact him.