Business Details
30 Years
experience
Your Trusted Insurance Partner in Denver, CO
AFI Insurance has been serving Colorado communities since 1996, providing personalized insurance solutions tailored to individual needs. Founded by Oscar and Michelle Almeida, our agency combines 31 years of industry experience with a commitment to comprehensive coverage and exceptional customer service. Oscar Almeida's background in insurance claims, underwriting, and sales, coupled with Michelle's legal expertise and client-focused approach, ensures informed guidance for policyholders. We specialize in auto, home, commercial, life, and specialty insurance, offering online quoting tools to simplify the process while maintaining a personal touch. Our deep understanding of Colorado-specific risks allows us to craft policies that protect against regional challenges.With a focus on community engagement and client education, we prioritize transparency, rapid response times, and long-term relationships over transactional interactions. Our industry certifications, including Oscar's LUTCF designation, demonstrate our dedication to professional excellence. By partnering with multiple carriers, we deliver competitive options that balance coverage quality with affordability. Over 25 years of local service have established us as a trusted advisor for individuals and businesses seeking reliable insurance solutions in Denver and surrounding areas.
Services
Auto Insurance
Home Insurance
Commercial Insurance
Life Insurance
Specialty Insurance
Details
- Year established: 1996
Highlights and features
- We offer 25+ years of Colorado-specific insurance expertise
- Our team includes LUTCF-certified professionals with industry training
- We provide personalized policy comparisons from multiple carriers
- Our online quoting system simplifies insurance shopping
- We combine legal expertise with claims process knowledge
Services
Auto Insurance
AFI Insurance provides comprehensive auto insurance policies protecting Colorado drivers against accidents, theft, and weather-related damages. Our policies include liability coverage, collision protection, and uninsured motorist options tailored to individual driving habits and vehicle values. With online quoting tools and expert guidance, we help clients navigate coverage requirements while optimizing premium costs.
Home Insurance
Our home insurance policies safeguard Colorado properties against fire, hail, and other common risks. Coverage includes dwelling protection, personal property replacement, and liability coverage for homeowners. We specialize in policies that address regional weather patterns while offering flexible deductibles and rebuilding cost options. Policyholders receive personalized risk assessments to ensure adequate protection.
Commercial Insurance
AFI Insurance offers tailored commercial policies protecting Denver-area businesses from operational risks. Our packages include general liability, property insurance, and workers' compensation coverage. We specialize in industry-specific solutions for local businesses, with policy customization based on company size, risk exposure, and regulatory requirements. Clients benefit from claims process expertise and risk management consultations.
Life Insurance
We provide term and whole life insurance policies ensuring financial protection for Colorado families. Our offerings include customizable death benefits, cash value components, and policy riders for specific needs. Clients receive detailed comparisons of different policy types to match their financial goals and family circumstances. We assist with policy structuring to maximize tax advantages and long-term benefits.
Specialty Insurance
Our specialty insurance division handles non-standard coverage needs including recreational vehicles, classic cars, and unique property situations. We work with specialty carriers to create customized policies for high-value items or unusual risk profiles. Clients receive personalized consultations to identify coverage gaps and develop comprehensive protection strategies for their specific assets.
People
Oscar Almeida
Owner/Operator
Oscar Almeida has 31 years of insurance industry experience, including roles in claims, underwriting, and sales. He holds the LUTCF designation and graduated from Colorado State University. His expertise spans policy development, risk assessment, and client advocacy.
Michelle Almeida
Owner/Operator
Michelle Almeida, a University of Colorado Law School graduate, focuses on client education and policy retention. She manages customer care operations and community outreach initiatives. Her legal background enhances policyholder understanding of complex insurance terms and coverage options.
Questions
What types of insurance does AFI Insurance offer?
AFI Insurance provides auto, home, commercial, life, and specialty insurance policies tailored to Colorado residents and businesses.
How can I get an insurance quote?
Use our online quoting system for instant auto and home insurance quotes, or contact our Denver office for personalized commercial or specialty policy estimates.
Do you serve areas outside Denver?
While based in Denver, we provide insurance services to clients throughout the state of Colorado.
What makes AFI Insurance different from other agencies?
Our combination of 25+ years local experience, industry certifications, and personalized service approach distinguishes us from larger corporate insurance providers.
Can I manage my policy online?
We offer online policy management tools for adding drivers, printing ID cards, and making payments through our secure client portal.
How do I file an insurance claim?
Contact our office directly during business hours or use our website's claims contact options to initiate the claims process with your carrier.
Reviews (7)
Sam C.
Dec 04, 2021
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Positive:Professionalism,Value
I had a great experience. I was able to set up my renter's insurance in advance of an international move, then had to shift two addresses in quick succession and they handled everything with ease.
I had a great experience. I was able to set up my renter's insurance in advance of an international move, then had to shift two addresses in quick succession and they handled everything with ease.
Tony Muhovich
Apr 18, 2021
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Oscar is all over it when I need something done on the insurance side. He's really friendly and always responds very quickly. One less thing I have to worry about.
Taylor Morgan
Mar 19, 2021
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Oscar and Michelle were beyond professional in helping me find insurance. They are extremely gracious, knowledgeable, hardworking and prompt. Even when another insurance company made a mistake on my payment and tried to drag their feet, Oscar and Michelle were on them and continued to work diligently until the issue was resolved. Would recommend in a heartbeat.
David Bungay
Nov 30, 2020
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Positive:Professionalism,Quality,Responsiveness
Great office to work with. Fast easy to get insurance taken care of. Always, available! Thanks
Great office to work with. Fast easy to get insurance taken care of. Always, available! Thanks
Matt Sailas
Nov 01, 2020
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Positive:Professionalism,Responsiveness
Oscar with AFI insurance was very helpful when I was looking into picking up a policy for onsite liability for my powder coating shop. He was responsive and thorough when explaining exactly what would be covered under the new policy. Thanks AFI!
Oscar with AFI insurance was very helpful when I was looking into picking up a policy for onsite liability for my powder coating shop. He was responsive and thorough when explaining exactly what would be covered under the new policy. Thanks AFI!
Pedro Lopez
Jul 12, 2020
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Positive:Professionalism,Quality
Very professional people they always look for better prices they always answer any question that you have
Very professional people they always look for better prices they always answer any question that you have
Ed Horner
Jun 30, 2020
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Michelle and Oscar have consistently and routinely monitored the markets to customize products to meet our insurance needs. With their help and guidance, we have changed insurors and plans at cost-effective pricing over the many years we've worked with AFI. They always answer our questions thoroughly and promptly. They provide great and responsive service!
