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 over 31 years of industry experience with a commitment to understanding local risks and challenges. Oscar's background in claims, underwriting, and sales across multiple departments ensures comprehensive policy guidance, while Michelle's legal expertise enhances client education and service quality. We specialize in auto, home, commercial, life, and specialty insurance, offering both online quoting tools and personalized consultations. Our focus on community engagement and customer retention has made us a trusted partner for Denver residents seeking reliable coverage.With direct access to major carriers and a dedication to transparency, we prioritize rapid response times and clear communication. Our team's industry certifications, including LUTCF training, ensure informed decision-making for policyholders. By maintaining local market knowledge and adapting to evolving insurance needs, we deliver value beyond policies through peace of mind. Appointments are available for customized consultations, ensuring clients receive appropriate coverage for their unique circumstances. This combination of experience, technology, and personalized service defines our approach to insurance solutions.
Services
Auto Insurance
Home Insurance
Commercial Insurance
Life Insurance
Specialty Insurance
Details
- Year established: 1996
Highlights and features
- We offer 25+ years of local insurance expertise in Denver
- Our team includes industry-certified professionals with LUTCF training
- We provide personalized policy consultations and rapid response times
- We maintain direct partnerships with major insurance carriers
- Our services combine online convenience with personalized guidance
What people say
Personalized service
Knowledgeable staff
Community-focused approach
Rapid response times
Clear explanations
Services
Auto Insurance
AFI Insurance provides comprehensive auto insurance solutions protecting Colorado drivers against financial losses from accidents, theft, or natural disasters. Our policies cover liability, collision, and comprehensive coverage options tailored to individual driving habits and vehicle values. With direct carrier partnerships and online quoting tools, we help clients find cost-effective protection that meets state requirements while addressing personal risk factors.
Home Insurance
Our home insurance policies safeguard Denver properties against damage from fires, storms, and other covered perils. Coverage includes structural protection, personal property replacement, and liability coverage for accidents on your property. We help homeowners navigate Colorado-specific risks like hail storms and wildfires while offering customizable options for valuable possessions and additional living expenses during repairs.
Commercial Insurance
AFI Insurance offers tailored commercial insurance packages protecting Colorado businesses from industry-specific risks. Our solutions include general liability, property insurance, and business interruption coverage. We work with companies to develop comprehensive protection plans that address operational risks, employee safety, and asset protection while ensuring compliance with state regulations and contractual requirements.
Life Insurance
We provide term and permanent life insurance solutions ensuring financial protection for families and dependents. Our policies help clients establish legacy planning, income replacement, and final expense coverage. With personalized consultations, we help individuals understand policy options, beneficiary designations, and premium structures to create appropriate coverage amounts based on financial obligations and future needs.
Specialty Insurance
Our specialty insurance services address non-traditional coverage needs including recreational vehicles, classic cars, and unique property situations. We work with specialized carriers to develop customized policies for high-value items, unusual risks, and niche markets. This includes tailored solutions for Colorado-specific needs like seasonal properties, outdoor equipment, and specialty vehicle collections.
People
Oscar Almeida
Owner/Operator
Oscar Almeida has 31 years of insurance industry experience across claims, underwriting, and sales departments. He holds LUTCF certification and graduated from Colorado State University. His comprehensive understanding of insurance operations ensures informed policy guidance for clients.
Michelle Almeida
Owner/Operator
Michelle Almeida, a University of Colorado Law School graduate, focuses on client education and community engagement. With Juris Doctorate credentials, she ensures clear policy explanations and rapid client support while maintaining the agency's customer service standards since 1996.
Questions
What types of insurance does AFI Insurance offer?
AFI Insurance provides auto, home, commercial, life, and specialty insurance policies tailored to Colorado residents' needs since 1996.
How can I get an insurance quote?
Request instant quotes online through our comparative quoting form or contact us directly at 303-433-8888 for personalized consultations.
Do you serve areas outside Denver?
While based in Denver, we provide insurance solutions across Colorado state with local market knowledge and risk assessment expertise.
What payment methods do you accept?
Please contact our office directly for current payment options as this information isn't specified in our public materials.
How do I file an insurance claim?
Contact your specific carrier directly using the claims numbers listed on our website or reach out to our office for guidance through the claims process.
