PCSing to Colorado Springs? Here’s What You Need to Know About Insurance

Welcome to Colorado Springs — One of the Most Military-Friendly Cities in America

Whether you’re PCSing to Fort Carson, Peterson Space Force Base, Schriever Space Force Base, or the United States Air Force Academy, a Permanent Change of Station move comes with a long to-do list. Insurance is one of the most time-sensitive items — and one of the most commonly overlooked.

At Main Street Insurance, we specialize in helping military families get the right coverage quickly — so you can focus on the move, not the paperwork. As an independent broker with access to 25+ carriers, we shop the market to find you the best rates and fit for your situation.

What Insurance Do You Need When You PCS?

Auto Insurance

Colorado requires all drivers to carry minimum auto insurance. When you arrive, you’ll need to update your policy to reflect your new Colorado address. Good news: Colorado Springs has a large military community, and many carriers offer military discounts. We’ll help you transfer or replace your coverage before your license plates are due.

Renters Insurance

Living in on-post housing or an off-post apartment? Renters insurance protects your personal belongings — furniture, electronics, clothing, and more — from theft, fire, or damage. Many military families skip renters insurance and regret it after a break-in or a burst pipe. We can get you covered for as little as $15/month.

Home Insurance (If You’re Buying)

Colorado Springs is one of the top markets for military home buyers thanks to the VA loan benefit. If you’re purchasing a home, your lender will require homeowners insurance before closing. Colorado Springs also sits in a hail-prone zone — we’ll make sure your policy includes hail coverage so you’re not caught off guard come spring.

Life Insurance

SGLI (Servicemembers’ Group Life Insurance) is great coverage, but it doesn’t follow you if you separate or retire. Many active-duty families supplement SGLI with a civilian policy to protect their family’s financial future. We can help you understand your options and find the right complement to your military benefits.

Why Military Families Choose Main Street Insurance

We know what PCS season feels like. Our team includes military spouses and veterans who understand the urgency, the stress, and the unique insurance needs that come with military life. Here’s what sets us apart:

Independent broker with access to 25+ carriers — we shop so you don’t have to

Military discounts available on auto, home, and renters policies

Same-day quotes — we know PCS timelines don’t wait

Locally owned in Colorado Springs since 2019

Award-winning service: Best of the Springs 2021, 2023 Winner — Silver 2024

BBB A+ rated

Colorado Springs Military Bases We Serve

We proudly serve military members and their families stationed at:

8Fort Carson (4th Infantry Division)

Peterson Space Force Base

Schriever Space Force Base

United States Air Force Academy (USAFA)

Cheyenne Mountain Space Force Station

Get a Quote Before Your Report Date

Don’t wait until moving day. We recommend reaching out 2-4 weeks before your report date so we have time to shop all your options and get your policies in place. Call us at 719-309-6439, email us, or fill out the form below — we’ll get back to you the same day.