Christian Hernandez Ayala

As spring settles in and the days get longer, it’s a great time to look over your insurance coverage and make sure everything still reflects your current needs. Maybe you have made changes to your car, adjusted your driving habits, or added someone new behind the wheel. This season is a good moment to update your auto policy. Spring is also a thoughtful time to revisit your life insurance and ensure it still matches your goals and family needs. A quick review now helps you stay prepared for whatever the season brings.

With over six years of experience in the insurance industry, I am dedicated to helping individuals and families protect what matters most. My focus areas include Auto Insurance and serving the Hispanic community, where I take pride in providing personalized guidance and support to meet each customer’s unique needs.

I hold a 65 license and have previously been recognized as one of the top life insurance producers in the country—a reflection of my commitment to excellence and helping customers prepare for the future.

Outside of work, my fiancé and I enjoy exploring Colorado’s local food scene, discovering new restaurants, and visiting farmers markets in search of delicious baked goods. I also love traveling, especially returning home to Puerto Rico to spend time with my parents and friends. Our kitty, Lola, is an important part of our family and proudly lets everyone know that her dad is a State Farm Agent.

What factors affect my auto insurance pricing? Your driving record, age, location, type of vehicle, and coverage levels all impact your price.

What does homeowners insurance cover? It protects your home, personal belongings, and provides liability coverage if someone is injured on your property.

Do renters need insurance? Renters insurance isn’t required, but it protects your belongings and offers liability coverage.

How much life insurance do I need? Typically 10–15 times your annual income, depending on your debts, living expenses, and future financial obligations.