Insurance Agency in Denver, Colorado

We Shop, You Save

Big Enough To Save You Money, Small Enough To Know Your Name

What You Get With Us

Insurance isn’t one-size-fits-all. We get to know you—and your unique situation. You get real people, honest answers, with coverage that fits you at the best possible price.

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The Right Coverage

Liability, collision, comprehensive—we’ll explain it all and help you choose what makes sense.

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Real People, Real Support

When you call, you get US. Not a robot. Not a call center. Just helpful answers, fast.

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Competitive Rates

We shop multiple insurers to find the best value for your needs and budget.

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Easy Claims Help

If something goes wrong, we help you through it—step by step.

Meet Your Denver Colorado Team

DeEtte Kozlow

Originally from Wisconsin, I traded beer for wine—but cheese remains a favorite food group. A fun fact: one of my first jobs was performing opening night at lip-sync contests around Denver. I enjoy hiking, off-roading, and horseback riding. Now retired from gymnastics coaching and dance choreography, I still dance in the kitchen to “No Diggity.” I love travel, epic adventures, and photography—especially capturing nature.

Emilee Hensley

I was born and raised in Northern California but made my way to Colorado in 2019. Once thinking I would pursue a career in counseling, I graduated with a bachelor’s degree in psychology in 2020. My passion for helping others, has landed me a career in insurance! When not at work, I enjoy spending time outdoors, exploring new places, and most of all spending time with my family.

Jeff Tarnowski

Life is all about making memories with my wife and kids. We’re always looking for our next adventure, whether that’s traveling and exploring somewhere new, attempting “Nailed It!” style baking challenges, or getting a little too competitive during family game nights. I believe life is best enjoyed through new experiences, good music, and tons of laughter.

Jordan Venner

Jordan is a passionate musician and multi-instrumentalist, primarily playing guitar. Outside of music, Jordan enjoys hiking, collecting vinyl records, caring for plants, and relaxing with the occasional glass of wine. These interests keep Jordan balanced and creatively inspired in both personal and professional life.

Kimmie Pervez

Originally from Louisiana, Kimmie made Texas home in 2018. With 15 years of insurance experience, she enjoys building lasting client relationships and helping people feel confident about their coverage. A Culinary Arts graduate, Kimmie loves cooking, entertaining, and relaxing on her Texas-sized back porch with music. She’s the proud mom of four adult sons and enjoys traveling to visit family, making memories with friends, and spending time with her two rescue dogs, Daisy and Bear.

Kyle Heredia

When not helping my business clients, I enjoy everything outdoors including hiking, camping, and kayaking. Also, I like to spend quality time with my fiancé, family, and friends. You may catch me at a nearby restaurant indulging in a culinary experience or hanging out at the local watering hole time to time too.

Rob McKay

I’ve been happily married for 38 years, with two amazing daughters and two wonderful grandchildren who remind me what truly matters. I believe life gives back what you put in – whether it’s volunteering with the Assistance League of Denver or helping others in need. When I’m not working, you’ll find me fly fishing, cycling, or exploring global cuisine.

Shantina Lusk

As a licensed insurance agent with over a decade of experience, I’ve learned a lot about protecting what matters most to people. But when work is done, my absolute favorite thing is to relax and make memories with my amazing family. We love exploring new places and just enjoying each other’s company. It’s the perfect balance to a rewarding career!

Zachary Kalthoff

I grew up in Colorado as a native and have moved all over the state during my life here. As such I like a good deal of outdoor activities, especially during the summer months. But the water is where I’m truly at home, as I often describe myself as ‘fish that walks like a man.’

Neighbors Helping Neighbors, One Policy at a Time

Your Local Independent Agents in Denver

Nearly 300 people have reviewed this office and rated it 4.9. We lead with that because it is the thing we would want to know if we were choosing an agency, and because it is not an accident. It comes from people picking up the phone, answering the question, and following through.

Here is the practical part. We are independent, which means we shop your coverage across more than 80 carriers and bring you the ones that actually fit. In a market where Colorado hail has pushed rates up year after year and carriers keep changing how they cover roofs, that difference is not theoretical. It is usually several hundred dollars a year and occasionally a great deal more.

Our office is on East Tufts Avenue, and we take care of neighbors across Denver, Greenwood Village, Cherry Hills, Glendale, Englewood, and the metro generally.

What Coverage Around Here Really Has to Account For

Hail, and the roof endorsement nobody reads

Colorado is one of the worst hail states in the country and carriers have responded by changing how roofs are paid rather than only raising premiums. Many policies now schedule roofs on actual cash value, subtracting depreciation by age, or apply a separate roof deductible. On a 15-year-old roof, that is the difference between a covered claim and a five-figure bill. Send us your declarations page. We will tell you in about a minute which one you have.

Your dwelling limit versus what rebuilding actually costs

Denver construction costs have moved substantially. A home insured to a number set a few years ago is very likely underinsured today. Extended replacement cost and building code upgrade coverage both matter, and after a total loss they are where the real financial damage shows up.

Vehicle theft

Colorado has spent recent years near the top of national theft rankings and the metro carries most of it. Comprehensive is what pays for a stolen car. Liability-only pays nothing.

Condos and lofts

If you own a condo, your HOA’s master policy and your HO-6 have to fit together, and loss assessment coverage is the piece almost everyone is short on. When the association gets hit with a shared expense, that assessment lands on you. It is inexpensive to cover and painful not to.

Business coverage

A large part of this office is commercial: general liability, commercial property, commercial auto, workers compensation, business owner’s policies, and group health for Denver-area employers.

What We Cover

Personal

Auto, home, condo, flood, renters, landlord and rental property, life, health, Medicare supplement, motorcycle, recreational and RV, personal property, pet, and umbrella.

Business

Business owner’s policies, commercial auto including hired and non-owned, commercial property, general liability, workers compensation, group benefits, health, life, bonds, directors and officers, errors and omissions, and commercial umbrella.

Equity Insurance Group ~ Denver

Frequently Asked Questions

Is my roof covered at replacement cost or actual cash value?

Look for a roof surfacing endorsement, a roof payment schedule, or a separate roof deductible on your declarations page. If it is not clear, send it to us. Many Colorado policies now pay roof claims on actual cash value, subtracting depreciation based on the roof’s age. On an older roof the gap is severe, and replacement cost is often available for a premium that pays for itself in one storm.

What is the minimum car insurance required in Colorado?

Colorado requires 25/50/15: $25,000 in bodily injury coverage per person, $50,000 per accident, and $15,000 for property damage. A newer vehicle clears $15,000 in property damage by itself, and anything above your limit is your personal responsibility. Look at 100/300/100 before you settle.

I own a condo. What does my HO-6 actually need to cover?

It needs to fit your HOA’s master policy, which means knowing whether the association covers the walls in or the studs out. The piece most condo owners are short on is loss assessment coverage, which responds when the association passes a shared expense along to unit owners. It costs very little and it is the most common gap we find on condo policies in this city.

Why did my homeowners premium go up when I never filed a claim?

Colorado carriers reprice whole territories after major hail years, and rebuilding costs have risen sharply. Your increase may have nothing to do with you. That is exactly when shopping across carriers works, because the companies pulling back and the companies growing quote the same house very differently.

Do you write business insurance in Denver?

We do, and a lot of it. General liability, commercial property, commercial auto, workers compensation, business owner’s policies, commercial umbrella, and group health.

How long does a quote take?

Most personal quotes come back the same business day with a current declarations page, driver’s license numbers, and VINs. Commercial quotes typically run two to five business days depending on the class of business.

Get Your FREE No Obligation Insurance Evaluation Today!

We will shop and compare all your current insurance policies to find the best coverage for you at the best price. Find out how much you can save today!

Free Evaluation

We do the Shopping. You get the Savings!

We shop over 80 of the best insurance companies to get you the most competitive pricing and coverage that is as unique as your individual needs.

What Your Neighbors Have To Say

REAL PEOPLE . . . REAL RESULTS! Hear from people just like you.

Heather B.

I highly recommend Equity Insurance Group—it’s the company I personally trust and the one I consistently suggest to my clients. Their team delivers exceptional service: they’re responsive, knowledgeable, and make the entire insurance process straightforward and stress-free. Working with Jordan is always a pleasure; his professionalism and attention to detail ensure that every client receives outstanding care and confidence in their coverage.

Justin P.

I have been a client of Equity Insurance Group for the past decade. They regularly check in with me to make sure I am appropriately covered, and shop around my insurance to make sure I still have the best price. When I've had to make claims, they've helped me through the process and never hesitated to advocate for me. Nobody wants to deal with their insurance, but EIG makes that process as painless as possible!

Alecia F.

I’ve had a great experience with Equity Insurance Group! I really appreciate how patient and helpful they are — I asked a million questions about my policy, and every single one was answered clearly and thoroughly. Their customer service is excellent. Anytime I need to make changes or have an issue, they handle it with kindness and professionalism. What I especially love is being able to work with someone face-to-face. It’s so much better than just talking to someone over the phone — it makes the experience feel more personal and trustworthy.

Jesus & Alexander G.

With a growing family and another baby on the way, peace of mind means everything to us. Equity Insurance Group made sure we’re covered from every angle — home, auto, and life. They treat us like family, not just another policy number. We couldn’t ask for a more caring, trustworthy team!

Mallory K.

Mia was absolutely amazing! We needed quotes quickly to close on a new home, and everyone else gave us exorbitant rates with high deductibles that wouldn't work with our growing family. In a day, we had everything we needed from Mia to move forward with a carrier she found who had solid price points and coverage. Thank you, Mia, for making this process so easy!

Brandon D.

I’ve had a fantastic experience with Equity Insurance Group. From the start, their team made the process easy to understand and stress-free. They took the time to explain all my coverage options and helped me choose a policy that truly fits my needs and budget. What impressed me most was their responsiveness and how quickly they handled any questions or concerns I had. It’s clear they genuinely care about their customers. I feel confident and well-protected knowing I’m insured with Equity. Highly recommended!

Amy C.

Jordan at Equity Insurance Group is amazing! He also takes great care of all of my personal insurance needs and answers every question that I have. I am a Realtor and he is also fantastic at providing excellent service to my real estate clients that I send his way. I never hesitate referring him to anyone!

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