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Best Homeowners Insurance in Denver, CO

Aug. 15, 2019, 8:17 p.m.

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.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. Denver7 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Progressive

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#1 MOST POPULAR
Progressive
Progressive
Features
  • Multi policy discounts
  • Alarm system discounts
  • RV & motorcycle
  • Optional coverage choices
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Location
6201 Broadway St.
Denver, CO 80216
(303) 323-4480
#2
Geico
Geico
Features
  • Property coverage
  • Liability coverage
  • Renters insurance
  • Military discount
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Location
5145 Kipling St.
Wheat Ridge, CO 80033
(303) 537-8252
#3
State Farm
State Farm
Features
  • Home & auto packages
  • Multiple line discounts
  • Deals on home alarms
  • Home inventory tools
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Location
4110 E. 8th Ave.
Denver, CO 80220
(303) 388-4949
Allstate Insurance Agent: Denise Hoffman
Allstate Insurance Agent: Denise Hoffman
Features
  • Identity theft coverage
  • Claim-free discount
  • Based in Denver, CO
  • 20 years of experience
Location
535 16th St., Ste. 350
Denver, CO 80202
(303) 628-0554
State Farm Agent: Jody Roberts
State Farm Agent: Jody Roberts
Features
  • Home & auto package
  • Discount home security
  • Property inventory tools
  • 16 years of experience
Location
15260 E. Hampden Ave.
Aurora, CO 80014
(303) 693-1650
Denver West Insurance Brokers
Denver West Insurance Brokers
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • denverwestinsurance.com
Location
722 Washington Ave., Ste. C205
Golden, CO 80401
(303) 960-5290
Farmers Insurance Agent: Mike Schmisek
Farmers Insurance Agent: Mike Schmisek
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • agents.farmers.com/co/denver/mike-schmisek
Location
1100 S. Shoshone St.
Denver, CO 80223
(303) 922-1001
Denver Insurance
Denver Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • denverinsuranceteam.com
Location
1127 Auraria Pkwy., Ste. 22
Denver, CO 80204
(720) 446-5566
Farmers Insurance Agent: Allison Henderson
Farmers Insurance Agent: Allison Henderson
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • agents.farmers.com/co/denver/allison-henderson
Location
2560 Sheridan Blvd., Ste. 1
Denver, CO 80214
(303) 573-0435
Square State Insurance
Square State Insurance
Features
  • M-F: 9am - 6pm
  • Sat-Sun: 9am - 3pm
  • squarestateinsurance.com
Location
1312 17th St., Ste. 188
Denver, CO 80202
(702) 346-7873
Longevity Insurance Brokers
Longevity Insurance Brokers
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • longevitybrokers.com
Location
100 Filmore St.
Denver, CO 80206
(720) 209-4598
Lightship Insurance
Lightship Insurance
Features
  • M-F: 8am - 6pm
  • Closed Sat and Sun
  • lightshipinsurance.com
Location
1650 Franklin St.
Denver, CO 80218
(303) 292-9995
Shonka Agency
Shonka Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • affordableamericaninsurance.com/shonka-agency/
Location
2828 N. Speer Blvd., Ste. 116
Denver, CO 80211
(303) 572-2249
Shelter Insurance Agent: Doug Mayer
Shelter Insurance Agent: Doug Mayer
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • shelterinsurance.com/CA/agent/DMAYER
Location
7200 E. Hampden Ave., Ste. 204
Denver, CO 80224
(303) 300-2000
Vela Insurance Agency
Vela Insurance Agency
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • velainsures.com/home.html
Location
5825 W. Louisiana Ave.
Lakewood, CO 80232
(720) 550-6527

How to choose homeowners insurance in Denver

Denver Skyline

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

Neighborhood Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
80206 – Cherry Creek $1,822 $3,038 $4,032
80209 – Washington Park $1,827 $3,046 $4,034
80211 – Highland $1,647 $2,696 $3,556
80021 – Westminster/Broomfield $1,390 $2,298 $3,029
80120 – Littleton $1,640 $2,706 $3,559
80401 – Lakewood $1,622 $2,704 $3,590
80108 – Castle Rock $1,671 $2,759 $3,628

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:
  • Burglar alarm
  • Smoke detector
  • Storm shutters
  • Hail-resistant roof

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.

Finally, the state Department of Regulatory Agencies offers guidance to prepare a list of possessions for homeowners in the event a claim needs to be made.

Progressive

Progressive

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.

Geico

Geico

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.

State Farm

State Farm

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

Allstate Insurance Agent: Denise Hoffman

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

State Farm Agent: Jody Roberts

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.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.