 
					Whether you're protecting your home, your business, your car, or your future, Trailstone helps you compare coverage from 40+ “A” rated carriers in minutes. No guesswork. No pressure. Just clear, honest advice and personalized plans that give you peace of mind.
 
                  
                
                  
                
              
              Home insurance helps cover the cost to repair or replace your home and belongings if something unexpected happens, like a fire, storm, or break-in.
 
                  
                
                  
                
              
              Condo insurance covers what your condo association does not, including the inside of your unit, your belongings, and liability protection.
 
                  
                
                  
                
              
              Renters insurance covers your personal belongings while you are renting and includes liability protection if someone is injured in your home or you accidentally cause damage to someone else's property.
 
                  
                
                  
                
              
              Landlord insurance helps protect your rental property, including the building itself and liability coverage, in case of damage or tenant-related issues.
 
                  
                
                  
                
              
              Short-term rental insurance provides coverage for properties you rent out temporarily, protecting against guest-related damages and other unexpected events.
— Mary H. Centennial, CO
At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.
No, but lenders require it for financed homes. Even without a mortgage, it is stronglyrecommended for protecting your investment.
We shop 40+ top rated carriers and bring you the best options. You’ll see real comparisons, not teaser rates.
 
                  
                
                  
                
              
              Auto insurance helps pay for repairs, medical bills, or damages if you are in an accident or your car is stolen.
 
                  
                
                  
                
              
              Umbrella insurance provides extra liability protection beyond your home or auto policy if you are held responsible for a large accident or lawsuit.
 
                  
                
                  
                
              
              SR22 insurance helps you meet state requirements after certain driving violations by filing proof of financial responsibility with the DMV.
 
                  
                
                  
                
              
              Classic car insurance protects your vintage or collector vehicle based on its agreed value and how often you drive it.
 
                  
                
                  
                
              
              Motorcycle insurance covers damage to your bike, injuries from an accident, and liability if you are responsible for someone else's losses.
 
                  
                
                  
                
              
              RV insurance protects your motorhome or camper whether you are driving it on the road or using it as a temporary home.
 
                  
                
                  
                
              
              Boat insurance covers damage to your boat, theft, and liability if someone gets hurt or property is damaged while you are on the water.
 
                  
                
                  
                
              
              ATV insurance helps cover your all-terrain vehicle if it is damaged, stolen, or involved in an accident on or off the trail.
— Jo G. Gold Canyon, AZ
At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.
Yes. Every state where Trailstone operates requires drivers to carry a minimum level of liabilitycoverage to operate a vehicle legally. These minimums vary by state but generally includebodilyinjury liability and property damage liability. Driving without insurance can result in fines,license suspension, and vehicle impoundment. Trailstone ensures you meet or exceed legalrequirements while protecting your financial well-being.
Review your policy at least once a year or after significant life changes, such as moving, buying a new car, or getting married. Rates and discounts can change over time, and Trailstone regularly compares carriers to keep your coverage competitive.
 
                  
                
                  
                
              
              General liability insurance protects your business if someone claims they were injured or their property was damaged because of your operations.
 
                  
                
                  
                
              
              Workers compensation insurance covers medical bills and lost wages if an employee gets hurt or sick because of their job.
 
                  
                
                  
                
              
              A business owners policy combines general liability and property insurance in one package to protect your business from common risks.
 
                  
                
                  
                
              
              Commercial auto insurance covers vehicles used for business purposes in case of an accident, theft, or damage.
 
                  
                
                  
                
              
              Commercial property insurance protects the building, equipment, inventory, and furniture your business depends on.
 
                  
                
                  
                
              
              Commercial umbrella insurance adds extra liability coverage on top of your other business policies in case of a large claim or lawsuit.
 
                  
                
                  
                
              
              Professional liability insurance helps protect your business if a client claims you made a mistake or failed to deliver the services promised.
 
                  
                
                  
                
              
              Employment practices insurance covers your business if an employee sues over issues like discrimination, harassment, or wrongful termination.
— Nicole M. Denver, CO
At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.
We shop 40+ A-rated carriers, compare coverage side by side, and explain in plain English. Instead of piecing together quotes yourself, we handle the heavy lifting and act as your advocate.
For simple needs, coverage can start the same day. Larger or high-risk industries may take longer due to underwriting.
 
                  
                
                  
                
              
              Life insurance provides financial support to your loved ones if you pass away, helping cover things like daily expenses, debts, or future plans.
 
                  
                
                  
                
              
              Travel insurance protects you from unexpected problems during your trip, such as cancellations, medical emergencies, or lost luggage.
 
                  
                
                  
                
              
              Pet insurance helps pay for veterinary care if your dog or cat gets sick or injured, so you can focus on their recovery, not the cost.
 
                  
                
                  
                
              
              Flood insurance covers damage to your home and belongings caused by rising water from storms, heavy rain, or overflowing bodies of water.
 
                  
                
                  
                
              
              Earthquake insurance helps repair or rebuild your home and replace belongings if it is damaged or destroyed in a quake.
— Katrina A. Littleton, CO
At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.
Employer coverage is a nice perk, but it’s often only 1–2 times your salary, and it usually disappears if you leave the job. Trailstone recommends buying your own term policy to ensure your family is always covered.
Most experts recommend 10–12 times your annual income. That way your family can pay off debts, cover living expenses, and invest the payout to generate future income. Trailstone helps you calculate the right number for your stage of life.
Term life is surprisingly affordable. Many healthy people can get $500,000–$1 million in coverage for less than the cost of a daily coffee. Rates depend on your age, health, and term length.