Best Homeowners Insurance Companies in Colorado (2026)

Allstate, Chubb, and USAA are some of the top home insurance companies in Colorado.

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Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica MartelInsurance Writer
  • 7+ years in personal finance writing

  • Certified Financial Education Instructor

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.

Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.

She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.

Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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David Marlett
Reviewed byDavid Marlett
David Marlett
David MarlettAdvisor
  • 25 years teaching risk management and insurance course

  • Former commercial lines underwriter

David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.

Chase Gardner
Data reviewed byChase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Updated

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The average monthly cost of home insurance in Colorado is $276 for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. This is slightly higher than the national average of $237 per month for the same coverage.

Colorado homeowners pay higher premiums due to increased weather risks, including hail, wildfires, and winter storms.

Here’s what you need to know when purchasing home insurance in the Centennial State.

Quick Facts
  • Colorado homeowners pay a monthly average of $293 for a $300,000 dwelling coverage policy with a $500 deductible.

  • Grange is the cheapest home insurance company in Colorado, with an average monthly rate of $134.

  • Colorado’s Front Range mountains are located in “Hail Alley,” which receives the highest amount of large hail in North America.[1]

Best home insurance companies in Colorado

With many quality home insurance companies available in Colorado, homeowners have plenty of options. The best insurer for you will depend on your budget, location, and personal needs. 

To help you start your search, we’ve selected some of the best home insurance companies in Colorado.

Allstate: Best for affordability

IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
631
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$143/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$165/mo
Details
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Allstate has some of the most affordable premiums in Colorado. You can also save with a range of discounts, including bundling, responsible payer, and claims-free discounts. Allstate offers many optional policies to add to your home insurance coverage, including water backup, sports equipment, yard and garden, and musical instrument coverage.

Pros
  • Affordable homeowners policies 

  • Quotes available online

  • Can file claims online

Cons
  • Below-average J.D. Power customer satisfaction rating

  • Low Trustpilot rating

  • Higher-than-average number of customer complaints with National Association of Insurance Commissioners (NAIC)

Chubb: Best for wildfire coverage

IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.8 /10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$246/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$408/mo
Details
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.12
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Colorado homeowners can check out Chubb for wildfire coverage. The company partners with Wildfire Defense Systems, Inc., which provides monitoring, prevention, and mitigation services to help protect you and your family from wildfires. This includes a personalized wildfire hazard assessment that provides recommendations for how to protect your home.

Pros
  • Top J.D. Power claims satisfaction rating

  • Second-highest J.D. Power customer satisfaction rating

  • Free home appraisal service

Cons
  • Higher premiums than some competitors

  • Quotes not available online

  • Not accredited by Better Business Bureau (BBB)

USAA: Best for military members

IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8 /10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
737
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$264/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$383/mo
Details
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA offers a range of insurance, banking, and retirement solutions to military members, veterans, and their eligible family members. With six military bases in Colorado, many homeowners can benefit from USAA’s strong customer service and military discounts.

You can save up to 10% when you bundle your home and auto insurance, and 15% after five years without a claim.

Pros
  • Replacement cost coverage is standard

  • Above-average J.D. Power customer satisfaction rating

  • Below-average number of customer complaints with NAIC

Cons
  • Available only to military members, veterans, and eligible family members

  • Low Trustpilot rating

  • Fewer discounts than some competitors

Nationwide: Best for customizable coverage

IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$221/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$353/mo
Details
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.51
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Nationwide offers Colorado homeowners several ways to customize coverage. You can access a wide range of standard and optional coverages, including roof replacement, equipment breakdown, flood insurance, dwelling replacement cost, identity theft protection, water backup, and additional coverage for high-value items.

You can also save on your policy with several home insurance discounts, including multi-policy, protective device, claims-free, and gated community discounts.

Pros
  • Many available discounts

  • Above-average J.D. Power claims satisfaction rating

  • Several optional homeowners insurance coverages

Cons
  • Higher premiums than many competitors

  • Below-average J.D. Power customer satisfaction rating

  • Low Trustpilot rating

American Family: Best for customer satisfaction

IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.6 /10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$211/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$286/mo
Details
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.72
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

American Family has strong scores for customer satisfaction, with an above-average J.D. Power customer satisfaction rating and a high customer review score on Trustpilot.

The company offers a wide range of standard homeowners insurance and several additional coverage options, including equipment breakdown, roof damage, and credit monitoring, to help you customize your homeowners policy.

Pros
  • Many available add-ons

  • Quotes available online

  • Above-average J.D. Power customer satisfaction rating

Cons
  • Below-average J.D. Power claims satisfaction rating

  • Lower financial strength rating than some competitors

  • Not accredited by BBB

  • Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Colorado to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.

Cheapest home insurance in Colorado

The cheapest home insurer in Colorado is Grange. The cost of home insurance in Colorado depends on the risk you pose to the insurance company. The higher the risk, the more you’ll typically pay.

Use the table below to compare average annual insurance quotes from the cheapest home insurers in Colorado.

The below rates in Colorado are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Insurance Company
Average Annual Premium
Grange$1,608
Allstate$1,716
Foremost$2,100
Auto-Owners$2,340
American Family$2,532
Nationwide$2,652
Shelter$2,940
Chubb$2,952
USAA$3,168
Farmers$3,252
State Farm$3,408
Travelers$3,552
Allied$3,816
Country Financial$4,452
Acuity$4,500
Encompass$5,772

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How much does homeowners insurance cost in Colorado?

The average cost of homeowners insurance in Colorado is $3,312 per year for a $300,000 policy, Insurify data shows. Several factors can influence the cost of home insurance, including the age of your home, the type and amount of coverage you choose, your deductible, and your credit history.[2]

The location of your home and the risks it’s exposed to can also affect the cost of coverage. In Colorado, some of the biggest weather risks include hailstorms and wildfires.

Cheapest home insurance companies in Colorado by dwelling coverage

Dwelling coverage protects the physical structure of your home and may also cover permanently attached structures, such as decks or garages. Generally, the more dwelling coverage you have, the higher your premiums.

The following table shows the average annual homeowners insurance premiums for various Colorado insurers based on different dwelling coverage amounts.

The below rates in Colorado are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Insurance Company
Average Annual Premium
Grange$1,104
Allstate$1,596
Foremost$1,596
Auto-Owners$1,764
Nationwide$1,896
American Family$1,956
Chubb$1,980
Shelter$1,992
Farmers$2,292
USAA$2,304
State Farm$2,628
Travelers$2,700
Allied$2,760
Acuity$2,808
Country Financial$3,276
Encompass$4,416
The below rates in Colorado are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Insurance Company
Average Annual Premium
Grange$1,608
Allstate$1,716
Foremost$2,100
Auto-Owners$2,340
American Family$2,532
Nationwide$2,652
Shelter$2,940
Chubb$2,952
USAA$3,168
Farmers$3,252
State Farm$3,408
Travelers$3,552
Allied$3,816
Country Financial$4,452
Acuity$4,500
Encompass$5,772
The below rates in Colorado are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Insurance Company
Average Annual Premium
Allstate$1,980
Grange$2,688
American Family$3,432
Foremost$3,456
Auto-Owners$3,492
Nationwide$4,236
USAA$4,596
Shelter$4,764
State Farm$4,776
Chubb$4,896
Farmers$4,992
Travelers$5,088
Allied$5,952
Country Financial$6,516
Acuity$7,128
Encompass$8,136
The below rates in Colorado are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Insurance Company
Average Annual Premium
Allstate$2,496
Grange$4,020
American Family$4,284
Auto-Owners$5,052
Foremost$5,052
USAA$5,640
State Farm$6,240
Nationwide$6,264
Shelter$6,504
Farmers$6,540
Travelers$7,284
Chubb$7,452
Country Financial$9,060
Acuity$9,996
Allied$10,716
Encompass$10,812

Colorado homeowners insurance cost by city

The location of your home is a key factor that determines your insurance premiums. Costs vary between cities, or even within ZIP codes, due to differing risks. Living in areas that are more likely to experience hailstorms or wildfires may result in higher premiums. Other factors that can affect cost include your home’s proximity to a fire station and the risk of vandalism or theft.

The table below highlights the average annual premiums for different cities in Colorado.

The below rates in Colorado are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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City
Average Annual Premium: With $300,000 in Dwelling Coverage
Fort Collins$3,600
Boulder$3,684
Greeley$3,924
Denver$4,272
Colorado Springs$4,476
Disclaimer: Table data is based on real-time Colorado quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What homeowners should know about insurance in Colorado

Understanding the risks to your home can help you determine how much coverage you need to ensure you have proper protection.

In Colorado, some of the top risks to homeowners include hail, wildfires, and damage from winter storms. If you’re struggling to find standard coverage, you can look into the Colorado FAIR Plan, which is available to homeowners with high-risk homes.

Hail

Colorado’s Front Range mountains are located in “Hail Alley,” which receives the highest amount of large hail in North America. Over the last decade, hailstorms have caused more than $5 billion in insured damage in the state.

The Denver metro area has been at the center of the 10 most costly hailstorms in Colorado. A standard homeowners insurance policy will typically cover the cost to repair or rebuild your home if it’s damaged by hail.[3]

Wildfires

In 2021, Colorado experienced its most devastating wildfire, which destroyed more than 1,100 homes and killed two people.[4] Colorado experiences a wildfire season from May through September, but fires can happen in any season. Nearly half of Coloradans live in areas that are at risk from wildfires.[5]

While standard homeowners insurance typically covers damage from wildfires, Colorado homeowners might find it more difficult to find coverage or may pay more for a policy.

Winter storms

All areas in Colorado are vulnerable to severe winter storms, which can include heavy snow, ice, freezing temperatures, and high winds. Heavy snow and ice accumulation can result in the collapse of roofs, porches, awnings, carports, and failing trees.

Standard homeowners insurance covers several winter storm-related issues, such as burst pipes, leaky roofs, and building collapse.[6]

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How much homeowners insurance do you need in Colorado?

While state laws don’t require you to have home insurance, your mortgage company likely will. A standard homeowners policy typically covers four main categories:[7]

    illustration card https://a.storyblok.com/f/162273/150x150/8055843166/car-service-96x96-orange_040-garage.svg

    Home structure

    Dwelling coverage pays to repair or rebuild your home if a covered peril, such as a wildfire or hailstorm, damages or destroys it. Your homeowners coverage might also include other structures such as decks, garages, or fences.

    illustration card https://a.storyblok.com/f/162273/100x100/32ed42213e/personal-property.svg

    Personal belongings

    Personal property insurance helps cover your clothes, furniture, sporting equipment, and other belongings if they’re stolen or damaged by a covered peril. You can create a home inventory to estimate how much coverage you need.

    illustration card https://a.storyblok.com/f/162273/150x150/ee0f1a4393/law-and-justice-96x96-yellow_027-dossier.svg

    Personal liability

    Liability insurance provides coverage against lawsuits for bodily injury or property damage. Liability coverage limits typically start at $100,000, but it’s common for policyholders to purchase at least $300,000 in coverage.

    illustration card https://a.storyblok.com/f/162273/150x150/b022eb76ef/buildings-96x96-green_svg-013-hotel.svg

    Additional living expenses

    Loss of use coverage helps pay additional costs if you have to move out of your home while it’s being replaced or repaired due to a covered peril. It can cover the cost of your hotel, groceries, or restaurant bills.

Read your home insurance policy carefully to ensure you’re covered for everything you want to be.

How to contact the Colorado Department of Insurance

The Colorado Division of Insurance (DOI) is responsible for regulating the state’s insurance industry. The DOI answers insurance questions, investigates complaints, and ensures insurance companies follow the law.

To contact Colorado’s DOI, you can call 1 (303) 994-7499 or 1 (800) 930-3745 if you’re calling from outside of the Denver metro area. For more information, you can visit the organization’s website or send an email to [email protected].

Colorado homeowners insurance FAQs

The following information can help you answer any remaining questions you have about how to find homeowners insurance in Colorado.

  • How much is home insurance in Colorado?

    The average cost of a Colorado home insurance policy with $300,000 in dwelling coverage is $3,312 per year, according to Insurify data. If you purchase add-on coverage, such as wildfire insurance or earthquake insurance, your premiums will be higher.

  • Which company has the cheapest homeowners insurance in Colorado?

    Grange offers the cheapest homeowners insurance in Colorado, with an average monthly premium of $134 for $300,000 in dwelling coverage.

  • Does Colorado require homeowners insurance?

    No. Colorado state law doesn’t require homeowners insurance, but most mortgage lenders will require it. Even if you don’t need home insurance, having the proper coverage can help protect your finances if your home is damaged and needs to be repaired or replaced.

  • How can you lower your home insurance premiums in Colorado?

    To lower your home insurance premiums in Colorado, get quotes from multiple insurers to compare rates. You can also consider increasing your deductible, bundling your home and car insurance, and looking for discounts.

  • How much is homeowners insurance for a $500,000 house?

    The average cost of homeowners insurance for a $500,000 dwelling coverage policy in Colorado is $401 per month, or $4,812 per year. Several factors affect your rates, including your ZIP code, proximity to a fire station, and the risk of vandalism and theft.

Sources

  1. Rocky Mountain Insurance Information Association. "Hail."
  2. National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
  3. Insurance Information Institute. "What is covered by standard homeowners insurance?."
  4. Colorado Health Institute. "Wildfire Risk, Our Homes, and Our Health."
  5. Colorado State Forest Service. "Current Wildfire Information & Fire Restrictions."
  6. Rocky Mountain Insurance Information Association. "Winter Storms."
  7. Insurance Information Institute. "How much homeowners insurance do I need?."

Methodology

Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.

Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:

Default Coverage Assumptions

  • Dwelling coverage: $300,000
  • Deductible: $1,000
  • Personal property limit: $25,000
  • Liability limit: $300,000

Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.

Jessica Martel
Written byJessica MartelInsurance Writer
Jessica Martel
Jessica MartelInsurance Writer
  • 7+ years in personal finance writing

  • Certified Financial Education Instructor

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.

Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.

She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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David Marlett
Reviewed byDavid MarlettAdvisor
David Marlett
David MarlettAdvisor
  • 25 years teaching risk management and insurance course

  • Former commercial lines underwriter

David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.

Chase Gardner
Data reviewed byChase GardnerData Insights Manager
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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