Personal Insurance
Home, auto, and umbrella — handled by the same team as your business
Timothy K Garrett Agency is commercial-first, but we write personal lines too. If we insure your business, we can insure the house you go home to — one agency, one phone number, no runaround.
Coverage
Personal lines we write
Every policy is quoted across multiple carriers. We explain the trade-offs — deductibles, limits, exclusions — before you decide.
Homeowners Insurance in Colorado Springs
Your home, other structures, and belongings — with Front Range hail and wind deductibles reviewed in plain English before you sign, not after a claim.
Learn moreAuto Insurance in Colorado Springs
Daily drivers, teen drivers, and the trucks that double as work vehicles. Liability limits set to actually protect your assets, not just satisfy the state minimum.
Learn moreRenters Insurance in Colorado Springs
Affordable protection for your belongings and personal liability when you rent — often required by Colorado Springs landlords and property managers.
Learn morePersonal Umbrella Insurance in Colorado Springs
An extra layer of liability above your home and auto policies — especially worth a look for business owners whose personal and professional lives overlap.
Learn moreOne agency, everything you own
Business owner? Bundle the personal side too
Many of our commercial clients move their home and auto to us as well. It simplifies renewals, and umbrella coverage can be coordinated across both sides so there are no gaps between your business and personal liability.
This page is general information only and is not legal, tax, or coverage advice. Actual coverage is governed by the terms, conditions, limits, and exclusions of the policy as issued.