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    Lone Tree Insurance - Michelle, David and Kristin enjoying some Colorado sunshine and cherry blossoms.  (I have no clue it they're cherry blossoms)

    Lone Tree Insurance

    (40 reviews)

    I've been with David and the team for years and am just now getting to this review, which is a…read moreshame because I could have wrote it from the first year we worked with him (sorry Dave!!). Not only do they always pick up the phone or write you back immediately but when you need help after a claim is filed they go the extra mile! I have been struggling with a roof hail claim and just could not get ahold of my assigned adjuster to get the contractor paid. Michelle got on the bat phone twice and he called me within the hour! I honestly don't know how people do it without help from a team like this. We've had 3 major claims in the last five years and I know what got us through, what could have been an insurance nightmare, was the Lone Tree team. Thank you guys, we really appreciate you!!

    Where do I begin? Well almost 10 years ago I worked with a insurance broker and did it for a few…read moreyears until I decided to do the leg work on my own and find insurance myself which honestly saved me a good amount of money, so I had a stigma for agents only looking out for themselves and money in there pockets until........ I moved to Colorado and found out my home insurance was double what I paid on my home in Northern California which mind you was worth 4x the cost of my new build home and had a swimming pool. I honestly figured moving to Colorado with the housing prices my home insurance would be cheap!! WRONG! I ended up paying for the year and sad it was so much, then I got the renewal paperwork and my insurance jumped by $800 extra a year making it almost $3k a year crazy right? I could take no more so I decided to give David a call. What do I have to loose? I can either go with his recommendation or not? I gave him all my info and he got back to me really quick with home and auto rates. He also informed me my current coverage I was paying a lot for was honestly no good!!! I'm not a insurance agent so I would y exactly know. He gave me options and ended up saving me well over $2000!! After calling him and seeing how smoothly this all went and how now I have better coverage and pay wayyyyy less-I highly encourage you to call him. Nothing to loose, no money out of pocket, he might actually put money back in your pocket!! Thanks David! Looking forward to working with you!

    Chad Carlisle - State Farm Insurance Agent - State Farm

    Chad Carlisle - State Farm Insurance Agent

    (15 reviews)

    July 9, 2026 First I…read moremust state this out of the gate, Tiffani Lang & Chad Carlise are wonderful and attentive agents! I was placed in an unfair situation not of my doing but due to my pedatory HOA. It was affecting my insurance premuims, insurabilty, potentially foreclosure, and health. Tiffani and Chad took on the uphill challenge of helping me out of this situation, nativating with me through HOA mess. They went to bat for me like it was to help themselves. They challenged underwriters and SF corporate and successfully protected my insurabilty. This fight went on for weeks and Chad and Tiffani never gave up on me. Surely it was causing extra work for them, relative to other customers. But they stuck with me until the end. They are both first class. July 20, 2020 I am very impressed with State Farm Insurance as an agency and Chad Carlisle as an agency, as well as with, Mike, Christian, and Darren as agents! Here's the scenario. There was a fire in the condo unit below me. I mitigated the fire using extinguishers, which I highly recommend having, until the fire department arrived. Since I live in a condo with HOA bylaws, a private owner of the unit below me, and renters who occupied the unit, I was sure that this matter would become stressful and messy to resolve who was liable. After confirming my expectations, with all parties involved being non-responsive, I contacted Christian, at the Chad Carlisle agency. He was "Johnny on the spot" (again; he's been this way before). Christian gave me advice, because I did not know what to do. He sent 3 recommended cleaning services to take care of the smoke damage. I got an estimate the next day. The company Colorado Cleaning Services, was 1st class too. They came out and provided an estimate right away. I called State Farm a day or so later to provide the estimate and get further recommendations. Christian was not available, so Mike assisted me. Mike was already briefed and familiar with my situation. He was equally as responsive. Mike gave me wise instructions to proceed with a State Farm claim. I was reluctant, since the fire was not my fault. Mike said to do so "to make me whole again". I still waited to see if the responsible parties would respond. I waited for 5 days to no avail. I called State Farm agency the following week (today) and filed my claim. The recommended cleaning service is scheduled for this week. Though I will have to pay the deductible and supplies expenses, State Farm's legal department will take on the stress of making the liable party pay. The owner's insurance company, Farmers Insurance, refuse to process my claim, though I mitigated the fire, and am not liable, until they resolve who is responsible, the Renter, Owner, or HOA. That could take forever. "Ain't nobody got time for that!" I have been through tug-of-wars between HOA's and Private Owners (who are also real estate investors). It is "nothing nice" and is bad for health. I must be impressed to write such a long comment! I am and State Farm Chad Carlisle agency deserve the praise in this situation. I considered switching to another insurance company because I get bombarded with ads and emails promising lower rates. I am so glad that I did not switch! During the pandemic and today's trying times, it shows that it's not all about cost. During stressful times, and times when it pays to be prudent, it's all more about Trust, Dependability, Customer Relations, and "making the customer whole." In a few days, this matter will be behind me. State Farm, or none of its employees asked me to write this customer testimony. I asked them to send me a link so that I voluntarily write it. Thanks State Farm Insurance. Thanks Chad Carlisle agency Regards, Kevin

    Please, please, please, do not use this agency. Over the course of the past several years this…read moreagency has shown that they are not customer focused. They have had poor communication, lack of follow through, poor customer service, and extremely low payout assistance in the event you have a claim. State Farm is shedding their market share in CO because they were overleveraged when the major hailstorm hit a few years ago. For your own sake, please do not get drawn in by the lower monthly cost for their insurance - you will pay for it in the long run, and it is not worth the headache.

    Mary Leeds - homeinsurance - Updated October 2026

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