If you:
– Own a ranch or farm
– Live in a cabin at the end of a dirt road
– Train horses or teach riding lessons
– Guide in the backcountry or care for animals
– Need coverage for your barn, tack, or trailers
You’re in the right place.
This isn’t some suit-and-tie insurance agency in a downtown high-rise.
This Independent Colorado Insurance Agent packs in on horseback, lives on a working ranch, and knows firsthand what it’s like to deal with wildfire risk, livestock, and rural living.
We specialize in protecting Colorado’s rural lifestyle—from the valley floor to the high country. Whether you’re raising cattle, working the land, or just trying to keep your place safe from fire, we’ve got your back.
Tailored Coverage for Colorado’s Rural Property Owners & Backcountry Professionals
– Ask us about a CCW Safe membership for responsibly armed citizens. It’s peace of mind for responsible gun owners, because defending your life shouldn’t cost you everything. Think of it as 911 for your rights: instant access to attorneys, expert witnesses, and a critical response team—24/7
Specialized Coverage for Rural Mountain Properties
Wildfires are driving big insurance companies out of Colorado.
Independent agencies like Discern Insurance are stepping up to protect mountain homes when others won’t. We offer specialized homeowners insurance for properties located in wildfire-prone areas across Colorado, including Huerfano County, Pueblo County, Las Animas County, Teller County, Fremont County, Park County, Chaffee County, Costilla County, Lake County, Gunnison County, Archuleta County, Conejos County, Rio Grande County, Saguache County, Mineral County, Dolores County, San Juan County. Our policies include flexible coverage options through trusted carriers.
Farm & Ranch Insurance
Protect your agricultural operations with comprehensive farm and ranch packages. Coverage includes row crops, livestock, dairy farms, hobby farms, and more. We work with top-rated carriers such as Chubb, Nationwide, and Rain & Hail. Because we live the ranching lifestyle, we can understand that sometimes cattle stray and know that out here a good fence means a good neighbor. We understand your concerns because we live them ourselves. Ask about the Colorado ‘fence out’ law and learn how to protect your ranch from common Colorado ranch claims.
Even though small farmers are 86% of the people who own farms in the U.S., they’re only growing about 1 out of every 5 things we eat; the biggest corporations grow everything else. You’re the minority that chose quality over scale- thank you for going against the grain to grow and raise real food for us and defying the industrial food system.
Spend a lot of time in the saddle?
Whether you operate a boarding facility, breeding program, training operation, or therapeutic riding center, we offer equine liability and property coverage tailored to your needs.
From Backcountry to Basecamp — Insurance Built for Backcountry Guides and Specialty Risks
Packing in on foot or hoof into the backcountry isn’t just a hobby—it’s a way of life. You know what it means to rely on your animals, the land, and your gear when you’re miles from the nearest road.
Because when you pack into the backcountry, you understand the risks—and the value of getting it right. The mountains have a lot to offer, that’s why we provide coverage for hunting guides, fishing guides and other agritourism ventures. From mobile petting zoos to guided backcountry hunting trips and fly fishing or skijoring lessons, we’re here to make sure you can keep providing people with unforgettable experiences.
Why Choose Discern Insurance?
- Independent broker with access to top-rated carriers
- Deep understanding of Colorado’s rural lifestyle
- Personalized service and transparent guidance
- Coverage options available through various already-vetted carriers
Ready to protect your land, livestock, and legacy? Start a Quote
Serving Colorado’s cowboys, hunters, and backcountry men and women