Homeowners insurance in Denver is an important way to protect against costly repairs and losses. Colorado’s sunny days and scenic landscape may be what people love about the state, but weather and wildfires can turn severe. These companies provide the best home insurance in Denver based on competitive rates, responsiveness to claims and consumer reviews.
The average cost for Colorado home insurance is approximately $1,200 per year with the Denver area having higher rates around $1,450. The national average is $1,228. Colorado is the third fastest rising state when it comes to insurance. Increasing costs are due to more cases of unpredictable weather, such as hail and wildfires.
Average home insurance rates in Denver
80206 – Cherry Creek
80209 – Washington Park
80211 – Highland
80021 – Westminster/Broomfield
80120 – Littleton
80401 – Lakewood
80108 – Castle Rock
Note: Based on dwelling amounts above with a constant $1,000 deductible and $100,000 liability.
Possible discounts for homeowner insurance include a new home discount, if you go a period of time without a claim or even if you are a non-smoker. Installing these features can also lower your rate:
Weather damage and home insurance in Denver:
While homeowners insurance isn't required in Colorado, with such extreme and unpredictable weather, it's important to have coverage. Be sure to understand if your policy protects against falling objects due to wind and hail damage.
While Colorado is known for a drier climate, it doesn't make residents immune to possible flood damage, which is usually not covered in a general policy. In Colorado, more than one-quarter of damages due to floods happen outside of high-risk areas.
That dry climate makes Colorado a risk for wildfires. These are caused by humans or lightning, and risk increases with high wind and periods of little rain. Wildfires dramatically change ground conditions, which lead to an increased risk of flooding for up to five years later.
Frozen pipes are a common winter problem in Denver. The average claim for frozen pipes is about $5,000 plus fixing water damage in walls or ceilings.
Positive reviews for Progressive home insurance note their good rates and responsiveness. Progressive offers discounts for new home construction, opting to receive documents by email, paying in full, installing automatic sprinklers or other safety devices, and bundling with other insurance policies.
M-F: 9am-6pm, Sat: 10am-2pm, Closed Sun
Denver GEICO customers report good service, friendly associates and competitive rates. GEICO offers discounts and premium reductions for federal employees, the military and memberships and organizations, including alumni from University of Colorado, Colorado State University and University of Northern Colorado.
Denver customers report great service, quick responses, informative staff and excellent coverage. State Farm offers homeowner insurance discounts for multiple policies, installing a home monitoring system, installing a smoke or fire alarm or having an impact-resistant roof.
Allstate Insurance Agent: Denise Hoffman
M-Th: 8am - 5pm, F: 8am - 4pm, Closed Sat and Sun
Allstate Insurance agent Denise Hoffman has owned her own agency for 15 years. Allstate Insurance offers homeowners discounts when you switch to Allstate without a claim, if you newly purchased a home, set up automatic payments, have a home security system or if you’re retired.
State Farm agent Jody Roberts has been an award-winning State Farm agent since 2002. Customers say Jody Roberts offers exceptional and personalized service, great prices and is quick to answer questions and concerns when it comes to home buyers.
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