We are a family owned independent agency which allows us to look around for the best coverage and rate with several different companies. Whether you are insuring your home and auto or your motorcycle, RV, or boat, we have a company for that! For those wanting a package of the home and auto together, Kemper offers an excellent home/auto package that has one effective date and one policy number. We also write policies with excellent companies such as Progressive, Travelers, Foremost, National General, Dairyland and AAA.

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About Us Report

Karen enjoys helping people with their insurance needs. She began working in the insurance industry and earned her Property and Casualty license in 1999. Even after graduating in 2001 with a degree as a paralegal, Karen's heart was still in insurance and serving her customers. In 2007 Karen became a broker and opened up West Harbor Insurance with her brother Stephen.

Services Report

Home insurance policies have a lot of moving parts. Whether you have a brick, frame or manufactured home, we want to make sure your home and your personal belongings are correctly covered if the unthinkable happens. We have several companies that package the home and auto together as well as some that specialize in just homeowner's policies.

Joey Williams

May 24, 2022

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I absolutely love them! Anytime I ever call they are always super nice and enjoyable to speak with! They also are always super fast at helping you get done what needs to be done! Very satisfied with them!

Kelly Mahaffey

Mar 13, 2022

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I love this agency. They are very helpful and polite. They know how to get you the best insurance company and price. They really care about their customers and it shows! Thank you Karen and Steven and keep up the great work.

Brittany Gauvin

Dec 21, 2021

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We love West Harbor Insurance! We started working with them just for personal car insurance and then when my husband and I started our small business Karen at West Harbor helped us with all aspects of insurance of the business from liability to building insurance and all thats in-between! We feel totally confident in our policies and Karen is an absolute GEM to work with! Always there to answer any questions!

Carol Duggins

Aug 10, 2021

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Stephen and Karen always make the extra effort to meet our insurance needs. Would definitely refer them to others.

Sarah Fred

Apr 29, 2021

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All around a fantastic business to work with. We spoke with Stephen directly and he was kind, helpful, and efficient in finding the best home owner's insurance for our family. We will absolutely being supporting them for many years to come. Thank you West Harbor Insurance!

Kyra McAllister

Mar 05, 2021

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Always a pleasure to work with. Very kind and polite! They try their hardest to provide the best quality of customer experience and do a fantastic job. I will never use another company to take care of my insurance needs

Ken Klein

Feb 01, 2021

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I just moved down from NY to Denver and found Karen at West Harbor Insurance. I am buying a home and she was great, so easy to work with, helpful and responsive. If your in the area and need insurance, you should give her a call!

Babette Stewart

Dec 16, 2020

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I have been using West Harbor Insurance for all our insurance needs; car, house and even building a home coverage. They are always working to get me the best rates. They have helped me with last minute issues with grace and professionalism as well. They go above and beyond. That is an important reason why I have them as our agents. I have sent family members and friends to them. They always get back to me about how much they loved these guys. Definitely the best choice when it comes to having local insurance agents. Two thumbs up.

Shannon Marie Shauna

Jun 16, 2020

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The most honest and friendly people work here and strive to help you understand what you need to do to both SAVE money and be covered. Karen and Steven are the best and have never made me feel like I had a stupid question, when I had absolutely no idea what to do after my first car accident. My entire family goes through West Harbor Insurance Services for Car Insurance and I've referred several other people to them. Thank you Karen and Steven for being totally awesome when it mattered most! Your hard work is very much appreciated!

Dan Irwin

Apr 02, 2020

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Karen and Stephen know their stuff. They will not talk to you about anything that they don't believe you need. They will work hard to find you great insurance at a fair price. They also sell AAA memberships!