Trailstone Insurance Group

Trailstone Insurance Group We are an Independent Insurance Agency that works with over 25 insurance companies to find the best rates for your auto, home, business and life insurance

We are an Independent Insurance Agency that works with over 25 insurance companies to find the best rates for your auto, home, business and life insurance needs. So what is an Independent Insurance Agent? There are two kinds of insurance agents, Captive Agents and Non-Captive, or Independent Insurance Agents. There is a big difference! Captive Agents are committed to one insurance carrier, like Al

lState, Farmers, American Family, Country or State Farm, and are restricted to selling that one company’s product line. They cannot shop around for other opportunities that may better suit consumer needs. To a captive agent, the parent company comes first. On the other hand, Independent Insurance Agents are open to offering their customers multiple insurance carriers. This broader selection offers more resources to find coverage that best suits your personal situation. We shop for you. To an independent agent, the customer comes first. A shocking number of people overpay for car and home insurance without realizing it. An independent insurance professional works for you not the insurance company. We can search dozens of policies from many reputable companies. And best of all, it's absolutely free to use an independent insurance professional!

Does using an independent insurance agency cost you extra?Trailstone shops more than 40 A-rated insurance carriers, so i...
09/02/2026

Does using an independent insurance agency cost you extra?

Trailstone shops more than 40 A-rated insurance carriers, so it is reasonable to wonder who pays for all that shopping and whether it affects your premium.

Watch our latest video to learn how independent insurance agencies get paid and what it actually costs to use Trailstone: https://hubs.la/Q04wqmHZ0

Does Trailstone charge a fee to shop insurance with more than 40 A-...

Why can one insurance company call your home a wildfire risk while another carrier has no problem insuring it?Wildfire r...
09/01/2026

Why can one insurance company call your home a wildfire risk while another carrier has no problem insuring it?

Wildfire risk is not scored the same way by every insurance company, which means a non-renewal or higher premium from one carrier may not be the final answer.

Watch our latest video to learn why carriers disagree on wildfire risk and what homeowners can do about it: https://hubs.la/Q04w6vRQ0

Why can one insurance company call your home a wildfire risk while ...

You just bought a home and discovered mold. Will your homeowners insurance pay for it?The answer depends heavily on when...
08/27/2026

You just bought a home and discovered mold. Will your homeowners insurance pay for it?

The answer depends heavily on when the mold developed and what caused it. This is one area where discovering a problem before versus after closing can make a major difference.

Watch our latest video to learn how homeowners insurance handles mold and what homebuyers should know before closing: https://hubs.la/Q04vx1K40

Does homeowners insurance cover mold you discover after buying a ho...

Will getting an insurance quote hurt your credit score, especially if you are buying a house?It is a common concern, and...
08/25/2026

Will getting an insurance quote hurt your credit score, especially if you are buying a house?

It is a common concern, and there is an important difference between how insurance companies check credit and how lenders do it. There is also one situation when switching insurance actually can affect your credit.

Watch our latest video for the full explanation before you shop: https://hubs.la/Q04vcdMD0

Will getting an insurance quote hurt your credit score? It is one o...

Are you paying more than you should for workers' compensation insurance?Your class codes, experience mod, annual audit, ...
08/21/2026

Are you paying more than you should for workers' compensation insurance?

Your class codes, experience mod, annual audit, and claims history can all quietly affect what your business pays. But where should you look first?

Watch our latest video to learn the common ways small businesses overpay on workers' comp and what you can do about it.

Watch on YouTube: https://hubs.la/Q04tV_BN0

Are you paying more for workers' comp than your business actually n...

Why are home insurance deductibles going up, even if you have never filed a claim?Rising rebuilding costs, severe weathe...
08/19/2026

Why are home insurance deductibles going up, even if you have never filed a claim?

Rising rebuilding costs, severe weather, and reinsurance are changing homeowners insurance, including how wind and hail deductibles work.

🎥 Watch the full video to learn what is driving these changes and what to check before your next renewal: https://hubs.la/Q04tD80W0

Wondering why your home insurance deductible keeps increasing even ...

Thinking about switching workers' comp carriers? The biggest mistake is canceling your current policy before the new cov...
08/17/2026

Thinking about switching workers' comp carriers? The biggest mistake is canceling your current policy before the new coverage is officially in place.

Even a short gap in workers' compensation coverage can create serious problems for your business. In our latest guide, we explain how to switch carriers cleanly, when to start shopping, what documents you will need, and how to prepare for the final audit.

Read the full guide to learn how to make the switch without putting your business at risk.

🔗 Read more: https://hubs.la/Q04tfvC80

Thinking about switching workers' comp carriers but worried about c...

Buying a car? Before you pay hundreds for GAP coverage at the dealership, make one call to your insurance agent.The same...
08/14/2026

Buying a car? Before you pay hundreds for GAP coverage at the dealership, make one call to your insurance agent.

The same type of protection may be available through your auto insurance carrier for significantly less, but eligibility rules and deadlines can make a big difference.

In our latest video, we break down dealership GAP vs. insurance carrier GAP, when each option makes sense, and the rule you need to know before buying your next vehicle.

🎥 Watch the full video on YouTube: https://hubs.la/Q04t6Q_40

Should you buy GAP coverage at the dealership or add it through you...

What can a company’s worst review tell you that its best review can’t? 👀In our latest video, we share 3 reviews that mad...
08/12/2026

What can a company’s worst review tell you that its best review can’t? 👀

In our latest video, we share 3 reviews that made us proud, plus the 1-star review that pushed us to make real changes.

More importantly, we explain what you should look for when reading insurance agency reviews before deciding who to trust.

🎥 Watch the full video here: https://hubs.la/Q04sMV7q0

What can a company’s best and worst reviews actually tell you about...

Buying insurance in 2026 looks completely different. AI can deliver a quote in seconds—but does that mean you're actuall...
08/07/2026

Buying insurance in 2026 looks completely different. AI can deliver a quote in seconds—but does that mean you're actually getting the right coverage?

In our latest video, we reveal 6 smart insurance-buying hacks for 2026, including where AI can help, why the cheapest quote can cost you more later, and one major difference between captive and independent agents that every insurance shopper should understand.

🎥 Watch the full video here: https://hubs.la/Q04sgrF80

Buying insurance in 2026 looks very different than it did just a fe...

Address

8361 N Rampart Range Road, Ste B210
Littleton, CO
80125

Opening Hours

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

Telephone

+13037922355

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