Colorado Homeowners Insurance

Denver
Homeowners – Insurance

Colorado Homeowners Insurance

Cheapest Colorado Homeowners Insurance

Here you will find some of the cheapest Colorado homeowners insurance coverage rates by cities. Even if your city is not listed here, we can still get you affordable rates.

CityPrice
FrederickUSAA
ArvadaAllstate
RedlandsLiberty Mutual
DenverProgressive
LafayetteFarmers
Cherry CreekFarmers
EdwardsTravelers
Grand JunctionLiberty Mutual
Dakota RidgeAllstate
CraigLiberty Mutual
Greenwood VillageProgressive (ASI)
BoulderTravelers
Cañon CityProgressive (ASI)
Wheat RidgeTravelers
StonegateNationWide
FountainFarmers
FruitaAllstate
Fort MorganProgressive
CentennialTravelers
LongmontTravelers
WellingtonLiberty Mutual
ThorntonUSAA
MontroseAmerican Family
Ken CarylUSAA
GoldenProgressive (ASI)
Cimarron HillsAllstate
Steamboat SpringsState Farm
RifleTravelers
ColumbineChub
ErieProgressive (ASI)
Highlands RanchFarmers
JohnstownLiberty Mutual
NorthglennNationWide
Commerce CityLiberty Mutual
PuebloAllstate
AuroraTravelers
EvansState Farm
Glenwood SpringsLiberty Mutual
Colorado SpringsLiberty Mutual
SterlingLiberty Mutual
The PineryProgressive
EvergreenAmica
DeltaUSAA
LovelandAmica
BerkleyUSAA
Security-WidefieldTravelers
BrightonFarmers
Roxborough ParkAmica
Pueblo WestProgressive
DurangoProgressive (ASI)
Black ForestTravelers
ParkerProgressive (ASI)
LittletonProgressive
LakewoodAllstate
Fort CarsonProgressive (ASI)
AlamosaProgressive
Federal HeightsLiberty Mutual
WestminsterAmerican Family
EnglewoodTravelers
FirestoneAllstate
Fort CollinsFarmers
SuperiorUSAA
WoodmoorState Farm

Rating Factors For Colorado Homeowners Insurance

Here are some of the rating factors that are considered when applying for homeowners coverage. These factors will determine how your premium is curated for your homeowners insurance.

Swimming pool or hot tub
Marital status
Home liability limits
Age of Home
Credit history
Insurance score
Location
Wood-burning stoves
Value of home Replacement cost
Roof condition
Protection Class Proximity to fire station
Claims
Home-based business

Most Common Causes for Homeowners Loss and Claims (nationwide)

Here are the most common causes that will create loss and the need to file a claim on your homeowners insurance plan. You will be glad you had a Colorado homeowners insurance policy.

Wind
Hail
Lightning
Theft
Fire
Power surge
Injuries
Vandalism
Loss of Use
Other Weather related
Water Damage

Best Colorado Homeowners Insurance by Company

We all like to be covered by reputable and reliable companies. Especially when it comes to our homes, below you will find the top companies that can give you peace of mind.

CompanyAM Best
TravelersA++
MetLifeA-
American InternationalA-
NationwideA
Auto-Owners InsuranceA
AllstateA+
ChubbA
Farmers InsuranceA
Hartford FinancialA+
Liberty MutualA
American FamilyA
State FarmA++
USAAA++
ProgressiveA+

Discounts available for Homeowners insurance in Colorado

Here are some ways that you can receive discounts on your homeowners policy. These are great ways to save some money while still having great coverage.

Claims Free
Non-smoking discount
Loyalty
Gated comunity
Married discount
Paid in full
EFT
Auto water shut off or leak detection
Upgraded plumbing
Home monitoring / Bruglar
Upgraded roof

Average Cost for Homeowners Insurance in Colorado (by city)

Want to know the average cost for homeowners insurance in the city your home is in? Here’s a list of the average cost of homeowners insurance in your area.

CityPrice
Firestone$1,296.00
Edwards$1,321.00
Centennial$1,345.00
Fountain$1,365.00
Craig$1,290.00
Johnstown$1,246.00
Cherry Creek$1,107.00
The Pinery$1,202.00
Roxborough Park$1,120.00
Clifton$1,253.00
Redlands$1,101.00
Gunbarrel$1,178.00
Lafayette$1,268.00
Brighton$1,360.00
Pueblo West$1,267.00
Lone Tree$1,156.00
Loveland$1,309.00
Columbine$1,416.00
Aurora$1,353.00
Alamosa$1,359.00
Durango$1,106.00
Denver$1,363.00
Cimarron Hills$1,375.00
Woodmoor$1,139.00
Wellington$1,203.00
Englewood$1,389.00
Windsor$1,174.00
Highlands Ranch$1,325.00
Commerce City$1,260.00
Stonegate$1,409.00
Fruita$1,251.00
Derby$1,397.00
Boulder$1,176.00
Frederick$1,245.00
Security-Widefield$1,344.00
Fort Collins$1,215.00
Cañon City$1,420.00
Ken Caryl$1,183.00
Westminster$1,236.00
Fort Morgan$1,390.00
Grand Junction$1,302.00
Steamboat Springs$1,167.00
Sterling$1,349.00
Longmont$1,312.00
Pueblo$1,249.00

Which companies offer Homeowners in Colorado?

Having choices is always a great option to have. Below are the companies that offer homeowners insurance in Colorado.

CompanyHomeowners Offered
USAAyes
MetLife Inc.yes
Chubbyes
Hartfordyes
Auto-Ownersyes
Nationwideyes
State Farmyes
Liberty Mutualyes
Travelersyes
Farmers Insuranceyes
Allstate Corp.yes
American Familyyes
Progressiveyes
American Internationalyes
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Last Updated on January 7, 2022 by Marlon Moss

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