Protect Your Mountain
Property Right
High-value homes, short-term rentals, ski liability, vacation properties, and mountain vehicles — specialized coverage built for Telluride, Colorado. Backed by 20+ years and A.M. Best A+ carriers.
What We Cover
Mountain-Specific Insurance
From luxury mountain estates to short-term rentals and ski liability — every coverage line built for the unique risks of Telluride and the San Juan Mountains.
20+
Years of experience
Why Telluride Insurance
Insurance That Understands the Mountain
Generic insurance programs leave mountain property owners underinsured, over-exposed, and often unaware of the gaps — until a claim reveals them.
We Know Mountain Property
Standard insurers underestimate Telluride rebuild costs by 30–40%. We write guaranteed replacement cost policies based on actual alpine construction economics.
STR Specialists
Airbnb and VRBO hosts need more than a homeowners policy. We've structured dozens of short-term rental programs for Telluride hosts — no gaps, no ambiguity.
Backed by CCA's 20-Year Track Record
Contractors Choice Agency has been placing specialty insurance since 2005. Our mountain programs are backed by A.M. Best A+ rated carriers who understand high-value resort properties.
Out-of-State Owners Welcome
Most Telluride property owners live elsewhere. We're licensed in all 50 states and handle the entire process remotely — from quote to bind to claims support.
Local Risk Knowledge
We understand Telluride's specific risks: San Juan Mountain wildfire patterns, snowmelt flooding on Bridal Veil Creek, county STR permit requirements, and mountain construction premiums.
One Call Covers Everything
Home, rental, auto, umbrella — we coordinate your full Telluride insurance program so there are no gaps between policies and no conflicting coverage language.
How It Works
Get Covered in 3 Simple Steps
We handle the complexity of mountain insurance so you don't have to. Most clients are fully covered within one business day.
Call or Submit Online
Reach us at 844-967-5247 or fill out our quote form. Tell us about your property — type, location, use (primary, second home, rental), and current coverage.
Receive Your Custom Quote
Same-day quote from our mountain insurance specialists. We'll identify the right carriers, confirm proper replacement cost valuations, and flag any coverage gaps in your current program.
Bind Coverage & Relax
Review, approve, and we bind your coverage — often the same day. You'll receive policy documents digitally and have direct access to your agent for any questions.
Trusted by Mountain Property Owners
Nationwide coverage, mountain expertise
Mountain properties insured
Years protecting Colorado homeowners
States licensed & writing
Client renewal rate
Client Stories
What Property Owners Say
“We own a ski-in/ski-out chalet and rent it through VRBO for most of the ski season. Our previous insurer had no idea how to handle the STR component — the policies were a patchwork that probably had serious gaps. Telluride Insurance built us a clean program that covers the property AND the rental activity with no ambiguity.”
Thomas & Catherine R.
Property Owners
Telluride, CO
“After a significant snowfall, our roof partially collapsed. The rebuild cost quoted by local contractors was nearly 40% above what our previous insurer's standard replacement cost formula assumed. Telluride Insurance had us on a guaranteed replacement cost policy — the claim was paid in full. That difference would have been devastating.”
Michael B.
Homeowner
Mountain Village, CO
“I've been buying property in the mountains for 20 years. Finding an agent who understands the difference between a Telluride property and a suburban home — and knows how to insure it correctly — is genuinely rare. This team gets it.”
Sandra L.
Real Estate Investor
Dallas, TX (Telluride property owner)
Common Questions
Mountain Insurance FAQ
Answers to the most common questions from Telluride property owners.
Yes — mountain resort properties have distinct risks and construction costs that standard homeowners policies handle poorly. High-altitude construction premiums, seasonal vacancy, wildfire exposure, landslide and flood risk, and the difference between primary and second-home use all require a specialized approach.
Ready to Get Covered?
Your Mountain Property Deserves the Right Coverage
Most Telluride property owners are underinsured without knowing it. A 10-minute conversation with our mountain insurance specialists can identify gaps and get you properly covered — same day.
Mon–Fri 8am–5pm (MST) · No commitment · Same-day quotes