Colorado Home Insurance Quotes
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Call Us Now: Finding competitive, low cost Home Insurance quotes in Colorado just got a whole lot easier. At HomeInsurance.com, you can fill out one form and get multiple quotes. Get a new, low rate on comprehensive Colorado home insurance coverage. Rest assured knowing our team of Colorado licensed insurance consultants are standing by to give you top notch advice to coverages and rates in your area.
Our team of licensed agents will shop for your Colorado home insurance policy and help you get the best rate on the most comprehensive coverage. You'll get access to bundle discounts and apples-to-apples comparisons for multiple CO insurance providers.
Get the Best Home Insurance Rates in CO
Homeowners insurance premiums in Colorado were around $909.00 in April of 2013 when they decreased from $919 in March. These rates reflect average premiums on new sold policies by HomeInsurance.com. A standard policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Average Premiums for Home Insurance In Colorado |
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| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 2012 |
| $909.00 | $919.00 | $941.00 | $954.00 | $959.00 |
Though average Colorado homeowners insurance premiums have decreased, you should stay mindful of how much you are paying to insure your home - and where you can save. Taking advantage of discounts can keep your rates low and your coverage intact. The biggest savings can usually be found with a home-auto discount, which can save you around 20% on your Colorado policy. Other discounts may be offered for homes that have burglar alarms and deadbolt locks.
Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to start getting Colorado home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your CO policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in Colorado are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Colorado by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
| Home 1 | Home 2 | Home 3 | Home 4 | Home 5 | |
|---|---|---|---|---|---|
| Premium Amount | $892 | $744 | $1,206 | $2,287 | $1,278 |
| Premium with Auto Discount | $892 | $744 | $1,206 | $1,944† | $1,278 |
| Carrier | ASI | Safeco | Safeco | Foremost | Safeco |
| Zip | 80817 | 81046 | 80634 | 80918 | 81007 |
| Year Built | 1974 | 1971 | 1997 | ||
| Foundation type | Basement | Crawl Space | Crawl Space | ||
| Lot Size | N/A | N/A | N/A | N/A | N/A |
| Square Feet | N/A | N/A | N/A | N/A | N/A |
| Bedrooms | N/A | N/A | N/A | N/A | N/A |
| Bathrooms | N/A | N/A | N/A | N/A | N/A |
| Discounts | | | | | |
| Primary Heat Source | Central Gas | Central Electric | Central Gas |
Standard Colorado Home Insurance Coverages
| A | Dwelling: A standard Colorado homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Colorado home insurance policy |
| C | Contents/Personal Property: A Colorado home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Colorado home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Colorado, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Colorado MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Colorado Homeowners Insurance News
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Colorado residents mark anniversary of devastating Hayman wildfireWednesday, June 06, 2012
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Hurricane expert says many consumers downplay storm severityTuesday, June 05, 2012
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Colorado wildfire highlights significant threat this yearWednesday, March 21, 2012
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Workshop to evaluate homeowners insurance coverageMonday, November 28, 2011
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Insurers' profits fall, but reserves remain healthyThursday, June 30, 2011
Other Colorado Homeowners Resources:
- Disaster Preparedness Guide- Make sure your home and family is protected.
- See the most popular Frequently Asked Questions by other Colorado homeowners.
- Visit the Homeowners Blog to read the latest news affecting Colorado homeowners today!
Search for home insurance in your Colorado county:
- Adams
- Alamosa
- Arapahoe
- Archuleta
- Baca
- Bent
- Boulder
- Broomfield
- Chaffee
- Cheyenne
- Clear Creek
- Conejos
- Costilla
- Crowley
- Custer
- Delta
- Dolores
- Douglas
- Eagle
- El Paso
- Elbert
- Fremont
- Garfield
- Gilpin
- Grand
- Gunnison
- Hinsdale
- Huerfano
- Jackson
- Jefferson
- Kiowa
- Kit Carson
- La Plata
- Lake
- Larimer
- Las Animas
- Lincoln
- Logan
- Mesa
- Mineral
- Moffat
- Montezuma
- Montrose
- Morgan
- Otero
- Ouray
- Park
- Phillips
- Pitkin
- Prowers
- Pueblo
- Rio Blanco
- Rio Grande
- Routt
- Saguache
- San Juan
- San Miguel
- Sedgwick
- Summit
- Teller
- Washington
- Weld
- Yuma
Customer Reviews in Colorado
For additional information about specific insurance laws in Colorado, visit the Colorado Department of Insurance website.
