Business Details
23 Years
experience
Your Trusted Insurance Partner in Arvada, CO
Founded in 2003, The Holste Agency brings over 30 years of combined experience in the insurance industry, serving families and businesses across Arvada and the Denver Metro area. As an independent agency, we partner with more than 150 top-rated insurance carriers to provide personalized coverage solutions tailored to our clients' unique needs. Our team prioritizes local expertise, offering comprehensive insurance products for auto, home, life, business, and specialty risks while maintaining a commitment to unbiased advice and competitive pricing.With deep roots in the community, we focus on building long-term relationships by delivering exceptional service and ensuring clients receive the right protection without unnecessary costs. Our dedication to understanding evolving risks allows us to adapt policies that align with both personal and professional goals.
Services
Auto Insurance
Homeowners Insurance
Life Insurance
Business Insurance
Specialty Insurance
Cyber Liability Insurance
Professional Liability Insurance
Flood Insurance
Earthquake Coverage
Details
- Year established: 2003
Highlights and features
- We offer over 30 years of local insurance expertise in Arvada and Denver Metro.
- We work with 150+ insurance carriers to provide competitive rates and coverage options.
- We specialize in personalized insurance solutions tailored to Colorado's unique risks.
- We provide unbiased advice with loyalty solely to our clients, not insurers.
- We combine deep local knowledge with nationwide carrier partnerships for comprehensive protection.
What people say
INCREDIBLY helpful
Stress-free process
Best policy options
Quick response times
Thorough understanding
Services
Auto Insurance
Protect your vehicle and family with comprehensive auto insurance options, including liability, collision, and uninsured motorist coverage. We tailor policies to Colorado's unique risks like hail and winter weather, ensuring affordable premiums while maintaining essential protections for drivers in Arvada and the Denver Metro area.
Homeowners Insurance
Safeguard your home against fire, hail, and other perils with customized dwelling and liability coverage. Our policies address Colorado-specific risks like wildfires and hailstorms, offering optional flood and earthquake insurance to ensure comprehensive protection for single-family homes, townhouses, and condos in the Denver Metro region.
Life Insurance
Secure your family's future with term life, whole life, and final expense insurance policies. We help clients in Arvada and surrounding areas select coverage that protects against income loss, mortgages, and end-of-life expenses, offering flexible options to match evolving financial needs and long-term legacy goals.
Business Insurance
Protect your business with tailored general liability, property, and workers' compensation insurance. We address Colorado-specific risks for local businesses, including cyber liability and commercial auto coverage, while offering cost-saving strategies like Business Owners Policies (BOP) to streamline protection for small and mid-sized enterprises.
Specialty Insurance
Address unique risks with specialized coverage options like cyber liability, professional liability (E&O), and inland marine insurance. Designed for businesses facing non-traditional exposures, these policies provide targeted protection against data breaches, service-related claims, and equipment-in-transit risks, ensuring comprehensive safeguards beyond standard commercial policies.
People
Chad Holste
Founder
Chad Holste founded The Holste Agency in 2001, specializing in risk management for Colorado families. A Denver native and finance graduate, he combines 20+ years of insurance expertise with a passion for Spartan racing and community engagement.
Lori Thoutt
Office Manager/Producer
Lori Thoutt brings 20+ years of insurance experience to her role, managing client services and operations. A Colorado native, she leverages her multifaceted expertise to support clients while enjoying family time, gardening, and reading.
Questions
What types of auto insurance coverage do I need in Colorado?
Colorado requires minimum liability coverage ($25k/$50k/$15k), but we recommend adding collision, comprehensive, and uninsured motorist coverage to protect against common risks like hail and winter weather.
Does homeowners insurance cover hail damage in Arvada?
Yes, comprehensive homeowners policies cover hail damage to homes and vehicles, which is crucial in Colorado's hail-prone climate.
Can I get life insurance if I have employer-provided coverage?
Yes, supplementing employer policies with personal life insurance ensures adequate protection for long-term needs like mortgages or education expenses.
What business insurance is required in Colorado?
Workers' compensation is mandatory for businesses with employees. We recommend general liability and commercial property insurance for comprehensive protection.
How can I lower my insurance premiums?
Bundle policies, increase deductibles, install safety features, and maintain a clean driving record to reduce premiums for auto, home, or business insurance.
Do I need flood insurance in Denver Metro?
Standard policies exclude flood damage. We recommend flood insurance for properties near floodplains or areas prone to spring snowmelt.
