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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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She 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. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
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Edited byAshley Cox
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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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Data reviewed byAndrew Huang
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Table of contents
The average monthly cost of home insurance in Colorado is $226 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 $212 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 $267 for a $300,000 dwelling coverage policy with a $500 deductible.
Allstate is the cheapest home insurance company in Colorado, with an average monthly rate of $115.
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
AllstateCompare personalized, real-time quotes
| 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 |
|---|---|
| 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- |
| $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. | $115/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. | $129/mo |
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
ChubbCompare personalized, real-time quotes
| 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 |
|---|---|
| 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++ |
| $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. | $207/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. | $336/mo |
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
USAACompare personalized, real-time quotes
| 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 |
|---|---|
| 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++ |
| $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. | $187/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. | $265/mo |
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
NationwideCompare personalized, real-time quotes
| 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 |
|---|---|
| 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+ |
| $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. | $229/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. | $351/mo |
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
customer satisfaction
American Family
Compare personalized, real-time quotes
| 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 |
|---|---|
| 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 |
| $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. | $172/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. | $224/mo |
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 Allstate. 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 are estimated rates current as of: Tuesday, January 6 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium |
|---|---|
| Allstate | $1,380 |
| Auto-Owners | $1,992 |
| American Family | $2,064 |
| Foremost | $2,076 |
| Travelers | $2,196 |
| USAA | $2,244 |
| State Farm | $2,472 |
| Chubb | $2,484 |
| Farmers | $2,580 |
| Nationwide | $2,748 |
| Allied | $3,072 |
| COUNTRY Financial | $3,732 |
| Encompass | $3,984 |
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How much does homeowners insurance cost in Colorado?
The average cost of homeowners insurance in Colorado is $2,712 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 are estimated rates current as of: Tuesday, January 6 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,320 |
| Auto-Owners | $1,512 |
| Foremost | $1,524 |
| Travelers | $1,632 |
| Chubb | $1,644 |
| American Family | $1,656 |
| USAA | $1,752 |
| Nationwide | $1,920 |
| Farmers | $1,920 |
| State Farm | $1,944 |
| Allied | $2,520 |
| COUNTRY Financial | $2,748 |
| Encompass | $3,072 |
The below rates are estimated rates current as of: Tuesday, January 6 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,380 |
| Auto-Owners | $1,992 |
| American Family | $2,064 |
| Foremost | $2,076 |
| Travelers | $2,196 |
| USAA | $2,244 |
| State Farm | $2,472 |
| Chubb | $2,484 |
| Farmers | $2,580 |
| Nationwide | $2,748 |
| Allied | $3,072 |
| COUNTRY Financial | $3,732 |
| Encompass | $3,984 |
The below rates are estimated rates current as of: Tuesday, January 6 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,548 |
| American Family | $2,688 |
| Auto-Owners | $2,856 |
| USAA | $3,180 |
| Travelers | $3,228 |
| Foremost | $3,312 |
| State Farm | $3,552 |
| Chubb | $4,032 |
| Nationwide | $4,212 |
| Farmers | $4,236 |
| Allied | $4,248 |
| COUNTRY Financial | $5,532 |
| Encompass | $5,664 |
The below rates are estimated rates current as of: Tuesday, January 6 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,932 |
| American Family | $3,276 |
| Auto-Owners | $3,684 |
| USAA | $4,008 |
| Travelers | $4,668 |
| State Farm | $4,740 |
| Foremost | $4,848 |
| Farmers | $5,412 |
| Chubb | $6,096 |
| Nationwide | $6,120 |
| Encompass | $7,560 |
| COUNTRY Financial | $7,692 |
| Allied | $7,968 |
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 are estimated rates current as of: Tuesday, January 6 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Fort Collins | $2,940 |
| Boulder | $3,012 |
| Greeley | $3,168 |
| Denver | $3,420 |
| Colorado Springs | $3,564 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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]
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.
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.
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.
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 $2,712 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?
Allstate offers the cheapest homeowners insurance in Colorado, with an average monthly premium of $115 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 $331 per month, or $3,972 per year. Several factors affect your rates, including your ZIP code, proximity to a fire station, and the risk of vandalism and theft.
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.
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Sources
- Rocky Mountain Insurance Information Association. "Hail."
- National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
- Insurance Information Institute. "What is covered by standard homeowners insurance?."
- Colorado Health Institute. "Wildfire Risk, Our Homes, and Our Health."
- Colorado State Forest Service. "Current Wildfire Information & Fire Restrictions."
- Rocky Mountain Insurance Information Association. "Winter Storms."
- Insurance Information Institute. "How much homeowners insurance do I need?."
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Jessica Martel
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She 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. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
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.
Featured in
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in