About Us

Ullrich Insurance Agency is an independent insurance agency based in Arvada, Colorado, serving families and property owners throughout the Denver metro area and across Colorado.

We specialize in home, auto, umbrella, and complex property insurance, including homes that are harder to insure due to wildfire exposure, prior claims, unique construction, or high replacement cost. Our clients come to us when they want clear answers, honest guidance, and coverage that actually works.

What makes us different

Unlike captive agencies that can only quote one company, we work with multiple highly rated insurance carriers. That allows us to compare options, explain real differences in coverage, and tailor policies to each household’s situation — not just the cheapest price.

Many of our clients are referred to us by:

  • Realtors

  • Mortgage lenders

  • Builders and contractors

  • Existing clients who want a second opinion or better coverage

We are frequently asked to review policies that were written elsewhere and explain gaps, exclusions, or limits that weren’t clearly discussed before.

Our areas of expertise

We are especially well-known for helping clients with:

  • Colorado homeowners insurance, including properties with wildfire risk

  • Colorado FAIR Plan policies and how to properly supplement them

  • Umbrella insurance

  • High-value and high-replacement-cost homes

  • Rental properties and secondary homes

  • Coverage reviews and second opinions

We believe insurance should be understandable. If a policy can’t be explained clearly, it probably isn’t structured correctly.

Who we serve

Our clients are typically:

  • Families who want long-term insurance relationships

  • Homeowners who value proper coverage over shortcuts

  • Buyers and sellers navigating insurance during a real estate transaction

  • Property owners with unique or higher-risk situations

While our office is located in Arvada, we work with clients throughout Colorado and in select other states.

Our approach

We take a consultative approach to insurance:

  • We ask questions most agencies don’t

  • We explain tradeoffs, not just prices

  • We document recommendations clearly

  • We help clients understand what is and is not covered

When a claim happens, there should be no surprises.

Experience you can rely on

Ullrich Insurance Agency is independently owned and operated. Our team brings years of hands-on experience working directly with carriers, underwriters, and claims scenarios specific to Colorado.

Insurance laws, carrier rules, and risk factors change — especially in Colorado. We stay current so our clients don’t have to.