Kelli Holt Agency

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.

Liability coverage pays for damages you're legally responsible for causing — and it's one of the most undervalued parts ...
09/03/2026

Liability coverage pays for damages you're legally responsible for causing — and it's one of the most undervalued parts of your policy.

On your auto policy:
Colorado's minimum is 25/50/15 — often not enough for a serious accident. Medical bills and legal fees in a multi-person accident can reach six figures quickly.

On your homeowners policy:
Standard policies include $100,000. Most advisors recommend at least $300,000 — plus an umbrella policy for families with assets.

At Holt Agency, we review liability limits with every client — because this is the coverage that protects everything else you've built.

If you have a college student heading out this fall, ask these insurance questions before they leave: Are their belongin...
09/01/2026

If you have a college student heading out this fall, ask these insurance questions before they leave:

Are their belongings covered? Dorm coverage under your homeowners policy often caps at $1,000–$2,500. Electronics and bikes exceed that fast.

Are they on your auto policy? Garaging a vehicle at school can affect rates. NOT taking a car may qualify you for a "student away at school" discount.

Do they need renters insurance? Students living off-campus need their own policy — typically $15–$25/month.

Health insurance network — confirm coverage applies where they'll be going to school.

Quick questions. Big difference if something goes wrong.

Hail, wildfire, and traffic don't hit Colorado Springs evenly.Black Forest and Falcon carry fire history that prices int...
08/27/2026

Hail, wildfire, and traffic don't hit Colorado Springs evenly.

Black Forest and Falcon carry fire history that prices into every premium. Briargate and Northgate carry a wind and hail deductible set at 1–2% of insured value — $7,000 to $14,000 out of pocket on a $700,000 home before the policy pays a dollar toward the roof. North Academy at Palmer Park is the second most dangerous intersection in the state.

So we mapped it. Eight areas, what the record actually shows for each, and what the coverage has to do there.

A few numbers that surprised us: • Colorado home insurance rates rose 100.8% between 2020 and 2025, the fastest in the country • 833+ homes lost in the Waldo Canyon and Black Forest fires • 12 Colorado Springs intersections rank in the state's worst 50 — twice as many as Denver.

This distinction can cost you thousands at claim time — and most homeowners don't know it until they file.Actual Cash Va...
08/27/2026

This distinction can cost you thousands at claim time — and most homeowners don't know it until they file.

Actual Cash Value (ACV) — Pays what your property is worth today, after depreciation.
Replacement Cost Value (RCV) — Pays what it actually costs to replace the item new.

Example: A 10-year-old roof damaged by hail.
ACV might pay: $13,500
RCV pays: $24,000+ (current Colorado rebuild costs)

Where this matters most in Colorado:
Roofs — hail claims are common; ACV on older roofs means large gaps
Personal belongings — ACV on a 7-year-old laptop pays far less than replacement
Structures like fences, decks, outbuildings

The premium difference between ACV and RCV is often modest. The claims difference can be tens of thousands.

Homeowners insurance in Colorado Springs isn't the same as homeowners insurance anywhere else. El Paso County sits in ha...
08/26/2026

Homeowners insurance in Colorado Springs isn't the same as homeowners insurance anywhere else. El Paso County sits in hail alley. Wildfire risk affects coverage terms on the west side. Rebuild costs have gone up significantly in the last three years.

Most Colorado Springs homeowners set up their policy when they bought the house and haven't reviewed it since. The coverage limit that made sense in 2021 may not cover what it costs to rebuild that same home today.

Farmers Insurance — Kelli Holt reviews homeowners insurance policies for Colorado Springs families — coverage, deductibles, exclusions, and rebuild cost. Not just the premium. Free review, no obligation.

Me encantó, súper rápido! Sin tanto papeleos… todo on line y con información precisa y clara…Y el precio me gustó! Recom...
08/26/2026

Me encantó, súper rápido! Sin tanto papeleos… todo on line y con información precisa y clara…Y el precio me gustó! Recomendados!!

Colorado Springs has been one of the fastest-growing cities in the U.S. What growth means for your insurance: Home value...
08/25/2026

Colorado Springs has been one of the fastest-growing cities in the U.S. What growth means for your insurance:

Home values have increased — coverage limits from 2019 may leave you significantly underinsured today
More vehicles on the road — traffic density affects auto insurance trends
New construction areas have different risk profiles — fire ratings, drainage, road conditions all matter

"I had a heart attack with a $3,300 increase from my prior insurer. Kelli and her team saved us $4,500 a year!!! Their effort and dedication went above and beyond my expectations." — Google Review

The solution: an annual review. Not to buy something new — to make sure existing coverage still fits your life.

Heading to Pueblo Reservoir this weekend? If you're trailering a motorboat, pontoon, or jet ski down I-25 from Colorado ...
08/22/2026

Heading to Pueblo Reservoir this weekend? If you're trailering a motorboat, pontoon, or jet ski down I-25 from Colorado Springs — your homeowners policy almost certainly doesn't cover it once it's on the water.

Most Colorado Springs boat owners find this out after something goes wrong. A collision at the ramp. A theft from a storage lot off Powers Boulevard. Hail damage to a hull sitting uncovered in a Fountain storage yard all winter.

Boat and Watercraft Insurance is a separate policy built specifically for this. Farmers Insurance — Kelli Holt reviews whether an endorsement on your existing policy is enough — or whether a standalone watercraft policy makes more sense for your boat, your engine size, and how you use it.

Free review. No obligation. One call.

Your deductible is the amount you pay out of pocket before insurance kicks in. It's one of the most important — and leas...
08/20/2026

Your deductible is the amount you pay out of pocket before insurance kicks in. It's one of the most important — and least understood — decisions in your policy.

Higher deductible = lower monthly premium
Lower deductible = higher monthly premium

In Colorado, watch for:
Separate hail/wind deductibles — often a percentage of your home's insured value (1–2%), not a flat amount
ACV vs. replacement cost on your roof — your effective payout after a hail claim can be far less than expected

Choosing the right deductible depends on your savings, your risk tolerance, and what your home is worth. At Holt Agency, that's a conversation — not a checkbox.

El Paso County sits in Colorado's hail alley. Every summer, hail storms move across the open terrain east of Colorado Sp...
08/19/2026

El Paso County sits in Colorado's hail alley. Every summer, hail storms move across the open terrain east of Colorado Springs — Banning Lewis Ranch, Stetson Hills — with nothing to slow them down.

For Colorado Springs homeowners with Class 3 or Class 4 impact-resistant roofs, the Sola standalone wind and hail policy pays cash after a qualifying storm — without touching your home insurance policy. No home claim. No impact on your claims history. No waiting for an adjuster.

Farmers Insurance — Kelli Holt can explain exactly how the Sola wind and hail policy works alongside your existing homeowners coverage. Free review — no obligation.

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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