We’re independent insurance agents, carrying plans from the best insurance companies!  Searching for insurance?  Relax, we’ve got you covered.

Insurance & Financial Services; with a HomeTown Touch

HomeTown Insurance & Financial Services, Inc.
Licensed in Arizona, Colorado, Connecticut, Montana, New Mexico, and Texas.
Insuring the Great American Southwest Since 2007
Home Office: Pagosa Springs, Colorado

Health Insurance, Medicare, Life Insurance, Travel Insurance, Business Insurance, Auto Insurance, Commercial Insurance, Events Insurance, and More!

What type of coverage do you need?

Live chat during business hours, call, or click the button below to send us an email message.

Countdown to 2026 Medicare Annual Enrollment October 15 - December 7

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Countdown to Health Insurance Open Enrollment for 2026 November 1 - January 15

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What we Do

At HomeTown Insurance & Financial Services, we’re here to protect what matters to you with personalized, high-quality insurance service; all delivered with a HomeTown touch.

Need coverage?  Our independent insurance agents are licensed across various insurance types, and dedicated to finding you the right protection. 

Looking for home, auto, or commercial insurance?

We work with the top-rated home insurance companies, and auto insurance companies to bring you the best policies available.

Secure your business assets with top commercial insurance policies, crafted to cover your unique business needs.

Our independent agents are your go-to experts for Medicare, health insurance, and more.  Accredited and trusted, HomeTown Insurance connects you with comprehensive coverage options from the best insurance companies across Colorado, Arizona, Texas, New Mexico, Connecticut, and Montana.

Explore affordable auto insurance options in your state, including CO, AZ, TX, NM, CT, and MT.   Our agents are certified and ready to help you find the right fit!

For auto, health, Medicare, or business insurance, let HomeTown Insurance be your guide. What kind of coverage do you need? Talk to us today, and we’ll help you feel confident that you’re covered!

Click the chat bubble at the bottom right of your screen to try our live chat, and talk with an agent during business hours, or send us a secure message or quote request through any of our website contact forms.
Call HomeTown toll free: 1-866-333-8342.
Or, if you’re in Pagosa Springs, stop on by! We look forward to talking to you.

Our Mission

Provide Professional Service with a Hometown Feel

Multi-Licensed Agents

We enjoy providing dedicated service to our clients.
At HomeTown, our knowledgeable agents are licensed in multiple lines of insurance.
We make sure to provide specialized service just for you.

Navigating Changes

The fact that the insurance industry is ever changing is one of the things we love about it. We enjoy constantly learning, and keeping up with industry trends for you, our clients.

It’s Renewal Season: How to Make the Most of Your Car Insurance Policy Before You Re-Sign

As the year winds down and renewal notices start showing up in your inbox, it’s the perfect time to take a closer look at your car insurance policy. Many drivers simply let their coverage renew automatically — but that can mean missing out on discounts, better...

Flooding in Southwestern Colorado: What Homeowners Should Know About Insurance, Claims, and Coverage

Recent flooding across parts of Southwestern Colorado has left many homeowners and business owners dealing with damage, cleanup, and uncertainty about what their insurance actually covers. The Colorado Division of Insurance (DOI) recently issued a consumer advisory to...

Fall into Coverage: Preparing Your Home & Car for the Season Ahead

As the leaves begin to change fall is a reminder that seasons don’t just affect our routines — they affect our risks, too. Cooler weather, earlier sunsets, and shifting outdoor activities bring new challenges for both homeowners and drivers. Taking a few minutes now...

Medicare Open Enrollment 2025: What You Need to Know

It’s that time of year again — Medicare Open Enrollment begins October 15 and runs through December 7, 2025. During this window, anyone with Medicare can review their current coverage and make important changes for the year ahead. Whether you’re enrolled in Original...

Searching for Insurance?

Relax! We’ve got you covered.

Insurance Agency

Health & Life, Dental & Vision, Property & Casualty, Business & Commercial, Medicare & Supplements, & Even More!
Your HomeTown Agents Stay In Tune With the Insurance Industry Marketplaces, So You Don’t Have To!

Multi-State Insurance Coverage

If You Live the Southwestern Lifestyle, We Have Insurance for You!

Arizona, Colorado, Connecticut, Montana, New Mexico, and Texas – HomeTown’s Knowledgeable, Indpendent Agents are Here to Help You Out.

Connect for Health Colorado

We’re Certified Agents with Colorado’s Health Insurance Marketplace. 

We’re Here to Guide You Through All of the Options, and Make Sure You Find the Best Fit for You and Your Family. 

Lifetime Planning

Life Insurance is One of the Most Important Tools in modern financial planning. 

Though Often Under-Appreciated, Life Insurance Can Have a role In Virtually All Phases of a Family’s Economic Life Cycle.

We’re Here to Help

HomeTown Insurance & Financial Services is based in Pagosa Springs, Colorado.  We have the perfect homebase in the Four Corners region of the Southwest to provide you with insurance that covers your needs.  Home, auto, health, & life? Check. Commercial, small business, events, travel, and more.

What type of insurance do you need?  Just ask!

Licensed in Arizona, Colorado, Connecticut, Montana, New Mexico, and Texas.

What People Are Saying

“My brother needed affordable insurance for my nephew. We contacted Hometown Insurance, and within a day had three quotes to choose from. We selected a plan and it was in place the very next day. Thank you so much!”-Anisea Garcia

“Courteous and professional, Hometown Insurance has been great in helping us navigate the health insurance system for our family.  They’ve saved us hours of time and frustration by helping us evaluate health and life insurance plans to pick the plan that best fits our needs.”

-Eric and Kendra Hittle

“As a newcomer to town, I needed several policies changed. They helped guide me through the process, steering me to the right insurers at the right price. Highly recommended!”

-Mark Guenin

“Extremely helpful, above and beyond my expectations. I would highly recommend them.”

-Mark Palmer

Health | Dental&Vision | Life | Disability | Group | Home | Auto | Commercial | Builders Risk | Workers’ Compensation | Renters | General Liability | Medicare Supplements