Brukhouse Insurance
From home insurance to auto insurance, business insurance, and more. We cover all your insurance needs
For the past several years, insurance conversations across Colorado’s Front Range have been dominated by one theme: rising premiums. Homeowners from Pueblo to Fort Collins, along with business owners throughout the Front Range, have experienced substantial rate increases, tighter underwriting guidelines, higher deductibles, and fewer carrier options. Today, however, there are encouraging signs that the …
Summer in Colorado means sunshine, mountain trails, open roads, and time outdoors with the toys we love most. From ATVs and dirt bikes to side‑by‑sides, golf carts, and trailers, recreational vehicles are a huge part of the Rocky Mountain lifestyle. What many people don’t realize, however, is that these summer toys can create unexpected insurance …
No two electrical companies are the same. Whether you’re wiring custom homes, working on tract developments, installing panels for commercial build-outs, or troubleshooting service calls, your company faces liability, property, and operational exposures every day. The right insurance program does more than check a box for a contract requirement. It protects your balance sheet, keeps …
Running a towing company means operating in high‑risk conditions every single day. From highway recoveries to roadside assistance calls and vehicle storage, your business faces unique exposures that require specialized insurance coverage. The right towing company insurance isn’t just helpful — it’s essential for protecting your trucks, your customers, and your business’s financial stability. Many …
For many families, the day a teen starts the licensing process is both exciting and a little overwhelming. Colorado’s driver‑licensing system is designed to build safe, confident drivers — but with several age‑based rules, forms, tests, and requirements, it can feel like a lot to navigate. Whether you’re preparing your teenager for the road or …
If you live in Colorado, you’ve probably noticed insurance costs changing over the past few years. Between hailstorms, wildfire risks, and rising repair costs, the market has been challenging—but 2026 brings some good news. Many top insurance carriers are looking to grow their homeowner and auto insurance offerings in Colorado, and that means more options …
We have just become aware of a new requirement from the Colorado Public Utilities Commission (PUC) that has not been proactively communicated to carriers. The state has not reached out to make anyone aware of this rule change. If your insurance filings are being rejected due to a “no hit” message, it is most likely …
If you live in Colorado Springs, you’ve probably noticed that home and auto insurance rates have been climbing. Between severe hailstorms, wildfire risks, and rising repair costs, many families are paying more than ever to stay protected. The good news? There are several proven ways to save money on your insurance without cutting out the …
Colorado ranks among the most expensive states (4th) for homeowners insurance in the U.S. Recent data shows average annual premiums range from about $3,500 to over $4,600, depending on the source and coverage level: This rise is propelled by escalating losses from hail, wind, wildfires, and inflation in construction; insurers have struggled to achieve profitability, …
Colorado’s stunning landscapes come with a price: heightened risks for homeowners. From the fierce winds that whip across the Front Range to the devastating wildfires that scar our mountains, our state presents unique challenges for the insurance industry. If you’re a Colorado homeowner, you’ve likely noticed rising premiums and tighter coverage restrictions. This isn’t just …
A Closer Look at Current Trends The insurance market, particularly the commercial property and casualty (P&C) sector, has experienced significant fluctuations over the years. These swings, often referred to as “hard” and “soft” markets, are characterized by changes in underwriting standards, pricing, and capacity. A hard market is characterized by: Conversely, a soft market is …
As an insurance agency owner of 18 years, I have historically been an advocate of keeping deductibles as high as financially feasible for my clients. I did not want them to have a deductible higher than they could reasonably expect to afford. Now we find ourselves in a generational hard market in which carriers are …
