Business Details
14 Years
experience
Your Trusted Insurance Partner in Loveland, CO
At Kastl Insurance, we prioritize personalized service by taking the time to understand each client's unique needs and risk profile. As an independent agency, we collaborate with approximately 45 top-rated insurance carriers across 45 states to secure competitive rates tailored to individual requirements. Our commitment extends beyond policy placementwe maintain ongoing relationships to ensure coverage evolves with clients' changing circumstances.With decades of combined industry experience, our team emphasizes transparency, ethical practices, and client advocacy in all interactions. We specialize in home, auto, life, umbrella, and commercial insurance solutions, focusing on comprehensive protection for both personal and business assets.
Services
Home Insurance
Auto Insurance
Umbrella Insurance
Life Insurance
Commercial Insurance
Details
- Year established: 2012
Highlights and features
- We offer personalized insurance solutions tailored to individual risk profiles
- Our independent agency partners with 45+ top-rated insurance carriers
- We provide transparent policy explanations without hidden fees
- Our team has 20+ years combined experience in insurance services
- We maintain ongoing client relationships for evolving coverage needs
Services
Home Insurance
Home insurance protects homeowners against financial loss from property damage, personal liability claims, and living expense increases due to covered events. Policies cover structural damage from specified perils, personal property losses, and liability protection for injuries occurring on premises. Additional endorsements can extend coverage for high-value items or specific risks like earthquakes.
Auto Insurance
Auto insurance provides financial protection against vehicle-related losses including collision damage, comprehensive coverage for non-collision incidents, and liability for third-party injuries or property damage. Policies include mandatory liability coverage with optional add-ons like uninsured motorist protection, personal injury coverage, and roadside assistance to meet state requirements and individual needs.
Umbrella Insurance
Umbrella insurance offers supplemental liability coverage exceeding standard policy limits for home and auto insurance. This protection covers catastrophic events where damages exceed primary policy limits, such as multi-vehicle accidents or severe property damage claims. Coverage typically starts at $1 million with affordable annual premiums relative to the protection level provided.
Life Insurance
Life insurance policies provide financial protection for dependents through death benefit payouts. Options include term life for specific coverage periods and permanent life insurance with cash value components. Policies help replace income, cover funeral expenses, and maintain beneficiaries' financial stability during unexpected loss.
Commercial Insurance
Commercial insurance packages protect businesses from property damage, liability claims, and operational disruptions. Coverage includes property protection for business assets, general liability for customer injuries, professional liability for service errors, and workers' compensation where required. Policies can be customized for specific industry risks and business sizes.
People
Shawn Kastl
Owner
Colorado native with 12 years of insurance experience, operating independently since 2012. Focuses on personalized client relationships and comprehensive coverage solutions. Active community member and Loveland Baseball League coach.
Sommer Kastl
Office Administrator
20-year insurance industry professional with administrative expertise. Manages office operations and client service delivery. Active participant in family outdoor activities and Colorado sports culture.
Aaron Turco
Insurance Specialist
Nebraska native with associate degrees in business and welding technology. Brings customer service experience and outdoor recreation enthusiasm to insurance services. Active in Colorado mountain activities.
Carmen Ramirez
Insurance Agent
20-year Colorado resident with six years of insurance industry experience. Focuses on educational approach to client service. Enjoys family travel and cultural experiences with her three children.
Renee Potts
Customer Service Representative
Longtime Colorado resident with extensive customer service background. Joined Kastl Insurance in 2020. Balances family life with three children and multiple pets while supporting policyholder needs.
Questions
What types of insurance does Kastl Insurance offer?
We provide home, auto, life, umbrella, and commercial insurance policies tailored to individual and business needs.
How does Kastl Insurance help find competitive rates?
As an independent agency, we compare policies from approximately 45 carriers to find optimal coverage at competitive prices.
Can I file insurance claims through Kastl Insurance?
Yes, we facilitate claim submissions for home and auto insurance policies through our online customer service center.
Do you offer insurance services outside Colorado?
We serve clients in Colorado and 41 additional U.S. states through our network of insurance carriers.
How do I request proof of insurance?
Certificate requests and ID cards can be obtained through our online customer service portal or by contacting our office directly.
What sets Kastl Insurance apart from other agencies?
We combine personalized service with multi-carrier options, focusing on long-term relationships and transparent policy explanations.
