Business Details
23 Years
experience
Your Trusted Insurance Partner in Denver Metro
The Holste Agency was founded in 2003 with a mission to help families and businesses navigate the complexities of insurance. With over 30 years of combined experience, our team specializes in personalized risk management solutions tailored to the unique needs of clients in Arvada, CO, and the Denver Metro area. We work with more than 150 insurance carriers nationwide, ensuring access to diverse coverage options while maintaining localized service. Our commitment to excellence is reflected in our ability to compare quotes from multiple insurers, providing unbiased advice and customized plans that balance protection with affordability.We pride ourselves on building long-term relationships by prioritizing client needs over insurer interests, ensuring transparency and trust in every interaction. As a locally rooted agency, we combine deep regional expertise with national resources to deliver comprehensive insurance solutions across personal and commercial sectors.
Services
Auto Insurance
Home Insurance
Life Insurance
Business Insurance
Specialty Insurance
Details
- Year established: 2003
Highlights and features
- We work with 150+ insurance carriers nationwide for competitive options
- Our team provides personalized, unbiased advice tailored to client needs
- 30+ years of localized insurance expertise in the Denver Metro area
- We offer customized coverage plans for both personal and business needs
- Our loyalty is to clients, not insurers, ensuring transparent recommendations
What people say
INCREDIBLY helpful
Stress free process
Best policy and coverage
Thorough explanations
Genuine concern for clients
Services
Auto Insurance
Our auto insurance policies protect vehicles and families across Arvada and Denver Metro. Coverage includes liability, collision, and comprehensive protection against hail, theft, and weather-related damage. We specialize in affordable options for middle-class families while maintaining compliance with Colorado's minimum requirements of $25,000/$50,000 bodily injury and $15,000 property damage coverage.
Home Insurance
We offer customized homeowners insurance solutions safeguarding Colorado properties against hail, wildfires, and winter weather damage. Policies include dwelling coverage, personal property protection, and liability insurance. Optional flood and earthquake coverage addresses regional risks, while scheduled personal property endorsements protect high-value items like jewelry and collectibles.
Life Insurance
Our life insurance offerings ensure financial security for Colorado families through term, whole life, and final expense policies. Term life provides affordable coverage for mortgages and education needs, while whole life builds cash value. Final expense insurance covers end-of-life costs, protecting loved ones from financial burdens during difficult times.
Business Insurance
We provide comprehensive business insurance solutions for Denver Metro companies, including general liability, property insurance, and workers' compensation coverage. Specialized options include cyber liability, professional liability (E&O), and inland marine insurance. Our Business Owners Policies (BOP) bundle essential protections for small to mid-sized businesses in retail, restaurant, and service sectors.
Specialty Insurance
Our specialty insurance programs address unique risks through cyber liability coverage for data breaches, employment practices liability for workplace claims, and equipment breakdown coverage. We also offer inland marine insurance for property in transit and professional liability (E&O) coverage for service-based businesses requiring protection against service delivery disputes.
People
Chad Holste
Founder & Insurance Specialist
With 20+ years in insurance, Chad provides risk management expertise to Colorado families. A Denver native and Metropolitan State College finance graduate, he combines industry knowledge with personal interests in Spartan racing and Rockies baseball to connect with clients.
Lori Thoutt
Office Manager & Producer
Lori has served as office manager and customer service representative since 2003. Her multifaceted role combines organizational leadership with client support, drawing on Colorado roots and interests in gardening and family activities to enhance client relationships.
Questions
What auto insurance coverage is required in Colorado?
Colorado requires minimum liability coverage: $25,000 per person/$50,000 per accident bodily injury and $15,000 property damage. We recommend additional protections for complete coverage.
Does homeowners insurance cover hail damage?
Standard policies cover hail damage through comprehensive coverage. We tailor policies to address Colorado's frequent hailstorms, ensuring protection for vehicles and homes.
Should I get life insurance through work?
While employer policies provide basic coverage, personal policies offer greater flexibility and long-term protection. We recommend supplementing work coverage with customized policies.
What business insurance is essential?
Critical business coverages include general liability, property insurance, and workers' compensation. We create customized packages addressing specific risks for Denver Metro businesses.
How can I lower life insurance costs?
Younger, healthier individuals receive lower premiums. Term life offers affordable options while maintaining coverage. Our agents help identify optimal policy structures and available discounts.
Reviews (1)
Brian K.
Apr 14, 2018
Report
I received a letter from my current auto insurance provider that they were canceling my policy. The reason? My insurance agency, the AHBE group or TAG insurance services decided to end their relationship with my provider. Rather than getting me started on a new policy, they gave me a phone number to call and deal with directly myself. The only problem with that is I wasn't allowed to deal directly with them because I was still under contract with TAG and that would be considered stealing their business. Every time I called my insurance provider I was told I had to deal with TAG, whenever I
