Kelli Holt Agency

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Kelli Holt Agency Local agency. Honest guidance. Insurance with Heart. 🏆 Best of the Springs Winner 2025 & 2026. Talk or text: 719.434.5588

Helping Colorado families and businesses protect what matters most with auto, home, commercial, life & Medicare coverage. Whether you're looking for homeowners insurance, auto insurance, renters insurance, or another kind, I'm here to help you understand the insurance coverage you may want. Serving the Colorado Springs, CO area since 2018, I can help you understand your coverage options so you can protect what matters most to you. Stop by in person, reach out online or call to get a free quote today.

Auto insurance rates in Colorado Springs have shifted quite a bit over the last couple of years, and a lot of drivers ar...
10/18/2026

Auto insurance rates in Colorado Springs have shifted quite a bit over the last couple of years, and a lot of drivers are still carrying a policy priced for a different year without realizing it.

Kelli works with drivers all across Colorado Springs — commuters, families, military households connected to Fort Carson and Peterson Space Force Base — to make sure their auto coverage actually matches how they drive and what they drive. That means looking at liability limits, uninsured and underinsured motorist coverage, and discounts that often go unused, not just the number on the renewal notice.

If your auto policy hasn't been reviewed in a while, or you've just had a rate increase you don't understand, it's worth a conversation

Wondering what home insurance actually costs in Colorado Springs? The honest answer: it depends on your roof, your rebui...
10/15/2026

Wondering what home insurance actually costs in Colorado Springs? The honest answer: it depends on your roof, your rebuild cost, your wind and hail deductible structure, and your wildfire risk score — not just your ZIP code.

Colorado Springs homeowners insurance typically runs $1,800 to $3,200 per year for a mid-range home. But the premium is only half the question. The more important number is what you owe out of pocket before coverage kicks in after a hail storm or fire.

Farmers Insurance — Kelli Holt reviews home insurance for Colorado Springs homeowners in Briargate, Northgate, Flying Horse, Garden Ranch, Woodland Hills, Stetson Hills, and surrounding neighborhoods. Free quote. No obligation.

Garden Ranch homeowners near Pulpit Rock Open Space are sitting on homes built in the 1960s and 70s — solid houses, esta...
10/13/2026

Garden Ranch homeowners near Pulpit Rock Open Space are sitting on homes built in the 1960s and 70s — solid houses, established neighborhood, but aging roofs and systems that haven't been reviewed in years.

Here's what most don't know: a standard home insurance policy in Colorado Springs carries a separate wind and hail deductible — usually 1% to 2% of the insured value. On a $450,000 Garden Ranch home that's $4,500 to $9,000 out of pocket before the policy pays anything after a hail storm. Most homeowners find out that number after a storm — not before.

Farmers Insurance — Kelli Holt reviews home insurance for Garden Ranch and all of Colorado Springs. Free policy review — no obligation.

Medicare enrollment can feel overwhelming, especially with how many plan options and deadlines are involved each year. I...
10/10/2026

Medicare enrollment can feel overwhelming, especially with how many plan options and deadlines are involved each year. It's easy to end up on a plan that technically works but doesn't actually fit your situation, and most people don't find that out until they need it to.

Kelli's agency helps Colorado Springs residents work through Medicare enrollment, partnering with a dedicated Medicare specialist so the guidance stays current and the options actually get explained, not just handed over as paperwork.

If you or a family member are approaching Medicare eligibility, or you just want a second opinion on a plan you already have, it's worth reaching out: https://kholtagency.com/health-insurance-agency-colorado-springs/

East Colorado Springs families in Banning Lewis Ranch and Stetson Hills are some of the most active boaters in El Paso C...
10/09/2026

East Colorado Springs families in Banning Lewis Ranch and Stetson Hills are some of the most active boaters in El Paso County — close to Pueblo Reservoir, Eleven Mile, and Spinney Mountain Reservoir via Highway 24.

Here's what most of them don't know: the boat sitting in storage off Dublin Boulevard all winter has no coverage under a homeowners policy. And the auto policy covering the truck towing it doesn't cover the trailer or the boat itself for collision or theft.

Colorado hail doesn't stop at the storage facility fence. A summer storm can damage a hull sitting outside just as easily as a car in a driveway — and without a Boat and Watercraft Insurance policy, that repair comes out of pocket.

Farmers Insurance — Kelli Holt covers motorboats, pontoons, fishing boats, and personal watercraft for Colorado Springs boaters. Free policy review — no obligation.

Riding a 600cc sport bike in Colorado Springs and not sure what insurance should actually run you? We put together a rea...
10/07/2026

Riding a 600cc sport bike in Colorado Springs and not sure what insurance should actually run you? We put together a real breakdown of what drives the cost up or down — your age, riding history, where the bike's stored, and which coverage level you choose can all move the number by hundreds of dollars.

Check out the full cost breakdown here: https://kholtagency.com/600cc-motorcycle-insurance-cost-in-colorado-springs/

Got questions about your specific bike? Kelli Holt's agency can get you a real number, not just an average. 📞 (719) 434-5588

"If this isn't the right fit for you, I'd genuinely rather you know that now."It's not a line. It's the actual philosoph...
10/06/2026

"If this isn't the right fit for you, I'd genuinely rather you know that now."

It's not a line. It's the actual philosophy behind Holt Agency.

If your current coverage is adequate and fairly priced, Kelli will tell you to stay. If another carrier better fits a specific need, she'll say so. If the savings from switching are real but modest, she puts the numbers in front of you — and lets you decide.

"Kelli is extremely professional, helpful and competent. She doesn't waste your time or send you 100 emails a day — she just gets on with it. A first class service from a lovely person." — Google Review

The clients who trust Holt Agency most are often the ones Kelli told to stay put — and then referred three family members after seeing how differently they were treated.

Standard homeowners policies have sub-limits on specific categories that catch many Colorado homeowners by surprise: Jew...
10/01/2026

Standard homeowners policies have sub-limits on specific categories that catch many Colorado homeowners by surprise:

Jewelry — typically $1,000–$2,500 total for theft
Electronics — business use or high-value items may be limited
Musical instruments — especially important for performers and collectors
Fi****ms — usually covered up to $2,500 for theft
Art, collectibles, antiques — limited coverage for hard-to-value items

A scheduled personal property endorsement (floater) insures specific items at appraised value — often with broader coverage including accidental loss.

At Holt Agency, we help you identify what you own that needs additional protection.

Colorado Springs is home to one of the largest military populations in the country. Military families have unique insura...
09/29/2026

Colorado Springs is home to one of the largest military populations in the country. Military families have unique insurance situations:

Deployment — suspend or reduce collision coverage while keeping comprehensive for theft/weather
PCS moves — government move coverage has limits; personal property coverage fills the gap
Base housing — renters insurance still protects your belongings and personal liability
Frequent moves — maintain continuous coverage to avoid new-customer penalties
Military discounts — Farmers offers qualifying discounts for service members

"Kelli helped me get signed up for Medicare when I turned 65. As a military retiree she guided me to options that work very well for my situation. She contacts me annually to discuss any changes." — J. Morales, Google Review

Your auto insurance dec page is the summary of your entire policy. Most people never read it — that's a mistake.What to ...
09/24/2026

Your auto insurance dec page is the summary of your entire policy. Most people never read it — that's a mistake.

What to look for:
Named insured & vehicles — confirm all drivers and vehicles are listed correctly
Bodily Injury Liability — e.g. 100/300 = $100K per person / $300K per accident
Property Damage Liability — your coverage for damage to others' property
Collision & Comprehensive — check your deductibles
Uninsured/Underinsured Motorist — critical in Colorado
Discounts applied — confirm bundling, safe driver, and other credits are showing

At Holt Agency, we'll walk through your dec page with you — free, no commitment.

Address

5376 Tomah Drive Suite 110
Colorado Springs, CO
80918

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17194345588

Website

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