Navigating insurance requires discernment. Let us guide you.
Defense-Minded Protection for Ranches, Small Businesses, and Rural Colorado Communities

“At Discern Insurance, we don’t just sell you a policy and ghost you. We provide clear, honest guidance to help you understand your options and choose the right protection for your unique situation. And we understand things change. Our goal is to educate and empower you to make informed decisions with confidence from the initial conversation to policy reviews.”
7 years experience serving as a colorado insurance resource
Honesty will set you free.
And it’s the best marketing strategy.
My most important job is not just selling, but vetting. As an independent broker, I don’t work for one single insurance company. My goal is to give you options. The reality is that no single insurance carrier is the best for every person or business.
This is a long-term professional relationship, and my reputation is built on the service I provide.
We offer personalized Life and Business insurance, Farm/Ranch policies, and solutions for harder-to-place risks like homes located in high wildfire risk areas.


Meet The Agent
Samantha Bowman – Agency Owner
Building Trust Through Clear Guidance
“I’m here to give you straight answers and good service by listening to what you need, explaining things clearly, and only recommending products that actually fit your situation. My goal is to provide you with the tools necessary for good discernment in your decisions.”
– Samantha Bowman


