Home Loan Insurance

What Home Loan Insurance does

Home Loan Insurance is an independent insurance agency founded in 1897 and headquartered in Grand Junction, Colorado, serving individuals, families, and businesses across Western Colorado including the Montrose area. The agency distributes a broad portfolio of insurance products sourced from 15+ top-tier carriers, spanning personal lines (auto, homeowners, motorcycle, RV, boat, renters, farm, health, life) and commercial lines (business, contractors, construction, commercial auto, general liability, commercial property, workers' compensation, commercial umbrella, cyber liability, inland marine), as well as employee benefits packages (group health, disability, dental, vision, group life). Carrier partners include Acuity, Aflac, Ameritas, Auto Owners, Chubb, Cigna, Foremost, Hagerty, Liberty Mutual, Nationwide, Pinnacol, Progressive, Safeco, and Travelers.

The agency operates on a commission-based revenue model, earning commissions on new policy sales, renewals, and additional coverage from the carriers it represents, which provides a recurring revenue stream tied to policy persistence. Pricing is quote-based rather than publicly disclosed, with premiums determined by carrier underwriting based on individual risk factors. Its go-to-market is sales-led and relationship-driven: licensed agents deliver service through phone, in-person consultations at the Grand Junction headquarters, and an inside sales team handling website-driven quote requests, with customer testimonials noting quotes completed within 15 minutes.

The firm's underlying technology infrastructure is minimal, limited to Zywave Websites for website management and client portal access, with no proprietary platform, no mobile app, and no disclosed automation or AI capabilities. The agency employs approximately 60 local staff and is led by Chairman and CEO Jamie Hamilton, with leadership holding professional insurance designations (AAI, ARM, CPC, CPCU, CIC, CWCA, CLCS, CRIS). The company is privately held, locally owned, and affiliated with Home Loan State Bank, with no venture capital, private equity, or public ownership structure identified.

Name

Home Loan Insurance

Legal name

Home Loan Insurance

Website

https://hlic.com

Company type

Private

Founded year

1897

Operating status

Operating

Headcount range

11–50 employees

Short description

Home Loan Insurance is an independent, locally owned insurance agency founded in 1897 in Grand Junction, Colorado, distributing personal, commercial, and employee benefits coverage from 15+ carriers to individuals, families, and businesses across Western Colorado.

Ownership category

akta.pro rank

Product category

Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Independent insurance agency
• Personal insurance
• Commercial insurance
• Business insurance
• Employee benefits

Headquarters

HQ city

Grand Junction

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Insurance Commission Revenue: Home Loan Insurance operates as an independent insurance agency earning commissions from multiple insurance carriers (Acuity, Aflac, Ameritas, Auto Owners Insurance, Chubb, Cigna, Foremost, Hagerty, Liberty Mutual, Nationwide, Pinnacol, Progressive, Safeco, Travelers) for policies sold and renewed. Revenue is generated through commissions on new policy sales, policy renewals, and potentially additional coverage add-ons.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Home Loan Insurance is an independent insurance agency founded in 1897 in Grand Junction, Colorado, employing approximately 60 staff. The agency sells personal and commercial insurance products by brokering coverage from 15+ insurance carriers, serving individuals, families, and businesses across personal lines (auto, home, life, health) and commercial lines (general business, contractors, restaurants, consultants, farm/ranch, employee benefits).

Product overview

Home Loan Insurance is an independent insurance agency offering a comprehensive portfolio of insurance products and employee benefits. Their core offerings include personal lines (auto, homeowners, motorcycle, RV, boat, renters, and farm insurance) and commercial lines (business, construction, contractors, commercial auto, commercial umbrella, general liability, commercial property, workers' compensation, cyber liability, and inland marine insurance). They also provide employee benefits packages including group health, disability, dental, vision, and life insurance. The agency operates as a risk management partner using a four-step process: identify exposure, develop strategy, implement program, and monitor results. They represent multiple insurance carriers including Acuity, Aflac, Ameritas, Auto Owners Insurance, Chubb, Cigna, Foremost, Hagerty, Liberty Mutual, Nationwide, Pinnacol, Progressive, Safeco, and Travelers.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Auto insurance coverage for individuals and families, brokered through multiple carriers.
• Home Insurance Homeowners insurance coverage for individuals and families.
• Life Insurance Life insurance products for individuals and families.
• Health Insurance Health insurance products for individuals and families.

Named customers5 records

Segments6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered core.

• AcuitycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and personal insurance products distributed through Home Loan Insurance agency.
• AflaccoreChannel Partner/ Reseller/ DistributorSupplemental insurance carrier partner offering accident, critical illness, and dental/vision coverage distributed through Home Loan Insurance.
• AmeritascoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing dental, vision, life, and disability insurance products through Home Loan Insurance agency.
• Auto Owners InsurancecoreChannel Partner/ Reseller/ DistributorProperty and casualty insurance carrier partner offering auto, home, and business insurance products distributed through Home Loan Insurance.
• ChubbcoreChannel Partner/ Reseller/ DistributorPremium commercial and personal insurance carrier partner known for high-value property and casualty coverage distributed through Home Loan Insurance.
• CignacoreChannel Partner/ Reseller/ DistributorHealth insurance and employee benefits carrier partner offering medical, dental, and vision coverage through Home Loan Insurance.
• ForemostcoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier partner offering coverage for mobile homes, motorhomes, and specialty property products distributed through Home Loan Insurance.
• HagertycoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier partner focused on classic car and collector vehicle insurance distributed through Home Loan Insurance.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor property and casualty insurance carrier partner offering personal and commercial insurance products through Home Loan Insurance.
• NationwidecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing personal, commercial, and specialty insurance products distributed through Home Loan Insurance.
• Pinnacol AssurancecoreChannel Partner/ Reseller/ DistributorColorado-based workers compensation insurance carrier serving Colorado employers distributed through Home Loan Insurance.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor auto and property insurance carrier partner offering personal insurance products through Home Loan Insurance.
• SafecocoreChannel Partner/ Reseller/ DistributorPersonal insurance carrier partner offering auto, home, and umbrella products distributed through Home Loan Insurance.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor commercial and personal insurance carrier partner offering property, casualty, and specialty insurance products through Home Loan Insurance.

Scale indicators3 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• AssurePartners: AssurePartners is one of the largest U.S. independent insurance brokerages, distributing personal and commercial lines through multiple carrier relationships with a regional office structure. Directly comparable in independent agency model and multi-line offering, but at substantially greater scale through acquisitions.
• Leavitt Group: Leavitt Group is a national network of independent insurance agencies offering personal, commercial, and employee benefits products through multiple carrier appointments. Comparable to Home Loan Insurance in independent agency model, multi-carrier representation, and emphasis on community-based service in regional markets.
• Hub International: Hub International is a large global insurance brokerage providing property, casualty, life, health, and employee benefits across North America. Comparable in independent brokerage model and multi-carrier distribution, though significantly larger and operating across multiple geographies.
• Brown & Brown Insurance: Brown & Brown is a publicly traded independent insurance brokerage distributing personal, commercial, and specialty lines through regional offices. Comparable independent agency model and multi-line product breadth, with proven roll-up strategy that absorbs smaller agencies like Home Loan Insurance.
• USI Insurance Services: USI is a large U.S. insurance brokerage serving middle-market commercial clients with property, casualty, employee benefits, and personal lines. Comparable independent brokerage model and carrier relationships, though USI focuses more heavily on mid-market commercial accounts.
• Acrisure: Acrisure is a fast-growing insurance brokerage and financial services firm combining independent agency distribution with proprietary technology. Comparable multi-carrier independent model, though with a private equity-backed growth strategy and significantly larger footprint.

Broad incumbents

• Allstate: Allstate is a major U.S. personal lines insurer with both captive agents and direct channels, offering auto, home, and life insurance. Competes with Home Loan Insurance in the same Grand Junction personal lines market but as a single-carrier incumbent.
• Farmers Insurance: Farmers Insurance distributes personal and commercial lines through captive agents across the U.S. Competes in the same Western Colorado auto, home, and small commercial market but with single-carrier distribution rather than multi-carrier independence.
• Country Financial: Country Financial is a Midwest and Western U.S. insurance and financial services company offering personal and commercial lines through captive agents. Comparable product breadth and rural-market focus, though operated as a single-carrier captive agent model rather than independent agency.
• State Farm: State Farm is the largest U.S. personal lines insurer with captive agent distribution competing directly in auto, homeowners, and life insurance in Western Colorado. Comparable product overlap, but operates a captive (single-carrier) agent model rather than Home Loan Insurance's multi-carrier independent model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/HomeLoanInsurCo
• YouTubeyoutube.com/channel/UCXGAYI23aqvr12Z3NknwZ8Q
• Facebookfacebook.com/HomeLoanInvestmentCompany
• LinkedInlinkedin.com/company/1767036

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Home Loan Insurance