When you live or work in the Hudson Valley, you want insurance that fits your life-without the runaround. That's where we come in. From renters & homeowners to contractors & small businesses, we help you protect what matters most with affordable, reliable insurance solutions you can count on year after year.

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Personal Insurance

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Commercial Insurance

Reliable Insurance Solutions for Homes, Families, and Businesses in Commerce City, CO

 Whether you’re buying a new home, protecting your family, or growing your business, The Nevarez Agency offers personalized insurance guidance throughout Commerce City and the Denver metro.

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17+ Years of Insurance Experience

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10+ Years as an Agency Owner

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Local Commerce City Homeowner

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Independent Agency

Insurance Built for Colorado's Fastest-Growing Communities

Buying a home is one of life's biggest investments. Whether you're moving into Reunion, Henderson, or another Commerce City neighborhood, we'll help you protect it with coverage that's built around your home, your family, and your future.


From homeowners and auto insurance to life and business coverage, The Nevarez Agency provides personalized guidance and local expertise to help you choose the right protection—without the pressure.


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Insurance Solutions for Every Stage of Life

Whether you're protecting your first home, growing your family, or running a business, The Nevarez Agency provides personalized insurance solutions backed by local expertise and trusted guidance.

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Homeowners Insurance

Protect your home with coverage designed for Colorado homeowners, including newly built homes in Commerce City, Reunion, and the surrounding Denver metro.



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Auto Insurance


Stay protected on every drive with personalized auto coverage, competitive rates, and savings when you bundle with your home insurance.



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New to Homeownership? We're Here to Help.

Buying a home is exciting, but making sure it's properly protected is just as important. Whether you're moving into Reunion, Henderson, or another growing Commerce City neighborhood, we'll help you understand your coverage before move-in day—not after you need to file a claim.

What Every New Homeowner Should Know

  • Your homeowners insurance should begin before closing.

    Builder's coverage ends when ownership transfers, so your policy should be ready the day you receive your keys.

  • Protect your home's true rebuild value.

    Coverage should reflect what it would cost to rebuild your home today—not simply what you paid for it.

  • Bundle your policies and save.

    Combining your home and auto insurance may qualify you for valuable multi-policy discounts while making your coverage easier to manage.

  • Ask about new home discounts.

    Many newly built homes qualify for savings thanks to modern construction materials and updated safety features.

  • Work with a local advisor.

    We'll guide you through your options, answer your questions, and help you choose coverage that fits your home, your budget, and your future.

Local Knowledge. Better Protection.

National insurance companies may offer the same policy across the country, but Colorado homeowners face unique risks. Hail, severe weather, wildfire exposure, and other local conditions can all affect the coverage you need.



As a local independent agency, we take the time to review your policy, identify potential gaps, and recommend coverage that's built around where you live and how you live. It's personalized guidance designed to help you protect your home with confidence.

Why Commerce City Families Choose The Nevarez Agency

A Local Homeowner, Not Just Your Agent

Talea doesn't just insure Commerce City homeowners—she's one herself. That local perspective helps her understand the needs of the families and neighborhoods she serves every day.

17+ Years of Experience. One Trusted Point of Contact.

Work directly with an experienced local insurance professional who knows your coverage, answers your questions, and is there when you need guidance—not a different call center representative every time.

Education First. Never High-Pressure Sales.

We believe the best insurance decisions are informed ones. We'll explain your options, answer your questions, and help you choose coverage that's right for you—without the sales pressure.

One Advisor for Home, Business & Life Insurance

From your homeowners and auto insurance to life and business coverage, you'll have one trusted advisor who can help protect every stage of your life.

Honest Comparisons. Competitive Coverage.

As an independent agency, we compare coverage from trusted insurance carriers to help you find the right protection and value—not simply promise the lowest price.

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Our Carriers

What Our Clients Say

"I was nervous about filing a claim but the team at this agency was supportive and walked me through the entire process."


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- Karla sanchez malvaez” Sanchez Malvaez

"My insurance bill used to be high. Thomas got me a lower bill with even more coverage."


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- Linda Hernandez

"Clark was helpful and transparent. He gave me multiple quotes, helped me compare and still found me the best rates."

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- Anthuan Muñoz

"I shopped around for months trying to find a good deal on insurance, and This Insurance Agency had the best rates. Plus, the coverage was exactly what I was looking for. So glad I found them."


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- Eduardo Antonio Estrada Rodriguez

This agency really cares about its clients. They helped me find more savings while making sure I had the coverage I needed. Friendly and professional service.

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- Oriana Valeska

Frequently Asked Questions

  • Do I need homeowners insurance for a new construction home in Commerce City?

    Yes. Even a brand-new home needs a standard homeowners policy once you move in — builder's risk coverage typically ends at closing. Your policy should include dwelling, personal property, and liability coverage sized to your new home's full rebuild cost.

  • How much homeowners insurance do I need in Colorado?

    Most Colorado homeowners insure their dwelling for 100% of what it would cost to rebuild, not the purchase price or market value. We review your home's size, materials, and location — including hail and wildfire risk — to recommend the right coverage amount.

  • Is there an insurance agent near me in Commerce City or Reunion?

    Yes. The Nevarez Agency is based in Commerce City at 10250 Idalia Street, Suite 4/5, just minutes from Reunion, and serves the surrounding Denver metro including Denver, Thornton, Brighton, Aurora, Westminster, Northglenn, and Henderson.

  • Do I need workers' compensation insurance if I only have one employee in Colorado?

    Yes. Colorado requires workers' compensation coverage for nearly all employers with even one employee, whether they work full-time, part-time, or are family members. We can help you get compliant coverage priced to your payroll.

  • Can I bundle home and auto insurance with The Nevarez Agency?

    Yes. We review and quote your home and auto coverage together in one conversation, and many clients qualify for multi-policy pricing when they bundle both with the same agency.


  • What's the difference between term life insurance and Indexed Universal Life (IUL)?

    Term life insurance provides a death benefit for a set period, like 20 or 30 years, at an affordable premium. Indexed Universal Life is a permanent policy that adds a cash value component tied to a market index, with a guaranteed floor to protect against market downturns.


  • How do I contact The Nevarez Agency?

    You can call or text The Nevarez Agency directly at (720) 912-0155, request a quote online, or book an in-person appointment at our Commerce City office at 10250 Idalia Street, Suite 4/5.


  • Is The Nevarez Agency a local, independent agency?

    Yes. The Nevarez Agency is an independent insurance agency owned and operated by Talea Nevarez, who has lived in and owned a home in the Commerce City area for years and brings 17+ years of insurance experience to every client relationship.


Protect What Matters Most with Confidence

Whether you're buying a new home, reviewing your current coverage, or protecting your business, The Nevarez Agency is here to help. You'll receive personalized guidance, honest recommendations, and insurance solutions tailored to your needs—so you can move forward with confidence.

Insurance Tips, Local Insights & More

Home Insurance for New Homeowners: A Complete Guide for Commerce City & Reunion

Auto Insurance in Commerce City, CO: Coverage, Costs & Requirements

Small Business Insurance in Commerce City, CO: What Every Business Owner Needs to Know
Home Insurance for New Homeowners: A Complete Guide for Commerce City & Reunion

Home Insurance for New Homeowners: A Complete Guide for Commerce City & Reunion

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Auto Insurance in Commerce City, CO: Coverage, Costs & Requirements

Auto Insurance in Commerce City, CO: Coverage, Costs & Requirements

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Small Business Insurance in Commerce City, CO: What Every Business Owner Needs to Know

Small Business Insurance in Commerce City, CO: What Every Business Owner Needs to Know

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