Personal Insurance
Personal insurance from a family-owned independent agency based in Firestone, Colorado, and licensed in 31 states. We help renters, homeowners, pet owners and families protect what they’ve built.
Chelsea Insurance Services is a family-owned independent insurance agency. That means we aren’t tied to one insurance company’s products. When you call, you talk with the people who will actually work on your coverage, not a call center.
Most families need a combination of policies that work together: a home or renters policy for your property and liability, and often a personal umbrella over the top. If you have a dog, a rental property or a home that other companies won’t write, there may be options, depending on the property and the market.
Our priority coverages
Renters Insurance
Protection for your belongings and personal liability when you rent.
Learn more about renters insurancePersonal Umbrella
Extra liability protection layered over personal auto and home policies.
Learn more about personal umbrellaHomeowners Insurance
Property and liability protection for owner-occupied homes.
Learn more about homeowners insurancePet Health Insurance
Help paying veterinary bills for covered accidents and illnesses for your dog or cat.
Learn more about pet health insuranceDog Liability Insurance
Liability coverage for dog owners, including dogs with a bite history or a landlord requirement.
Learn more about dog liability insuranceWhich coverage do you need?
- You rent: renters insurance covers your belongings and personal liability, not the building.
- You own a house: homeowners insurance covers the home, your belongings and your liability.
- You want more liability protection: a personal umbrella adds limits above your auto and home or renters policies.
- You have a dog with a bite history or a landlord requirement: dog liability insurance may help.
- You want help with your pet’s vet bills: pet health insurance helps pay for covered accidents and illnesses.
- You own a rental, a vacant home or a hard-to-insure property: see the coverages below and ask us.
More personal coverage
These coverages don’t have their own page yet. Ask us about any of them.
Landlord
Property and liability coverage for rental and investment dwellings.
Private Flood
Flood coverage placed through the private market as an alternative to the NFIP.
Specialty Homeowners
Home coverage for hard-to-place, high-value, or non-standard properties.
Vacant Property
Property coverage for vacant or unoccupied dwellings.
Dwelling & Fire
Rental, seasonal, and dwelling risks, including those requiring a specialty-market solution.
Available coverage and insurance companies vary by state and property — contact us to confirm what’s available for you.
How we help
We start by listening: what you own, who lives with you, what worries you, and what your current policies say. Then we compare options from insurance companies suited to your situation and walk you through the differences in plain English, including deductibles, exclusions and how claims are settled. You decide what fits.
Already insured? Send us your current declarations pages before your renewal. A second look can catch gaps, like a missing endorsement or a liability limit that no longer fits your household. Moving, buying, adding a teen driver or getting a dog are all good times to review.
Get a quote
Tell us a little about what you need and we’ll follow up to review options with you.