Colorado Home Insurance Quotes
Face it, you have much more exciting things to do than shop for Colorado home insurance quotes. Your state's name even means colorful, so let the agents with HomeInsurance.com help you get back to doing more thrilling things. Our Colorado licensed agents work with highly rated carriers to bring you discounts and coverage to match your colorful lifestyle.
Rocky Mountain homeowners insurance protection
While Colorado exhibits magnificent scenery, complete with mountains, rivers, and plains, it's also vulnerable to some magnificently extreme weather. The variations in the state's climate make it a favorite for hikers, bikers, skiers, and snowboarders alike, but those variations also wreak havoc on the landscape.
In the spring and summer, thunderstorms frequently cause large hail storms and occasionally involve flooding. The state's eastern plains make up the western boundary of Tornado Alley and gusty winds combine with drought to create perfect wildfire conditions. Remember, a standard Colorado home insurance policy will not cover flood damage; if you live in an at-risk area, consider purchasing a separate policy through FEMA's National Flood Insurance Program. Remember the September 2013 Colorado flooding; only about 1% of the state's residents had flood insurance then.
In the winter, Colorado experiences severe winter storms and wind. Prepare yourself and your family with Colorado homeowners insurance. However, keep in mind that standard home insurance policies typically exclude coverage for landslides and earthquakes. These events occur infrequently in Colorado, but if you live in an area you know to be at risk, consider buying separate policies.
Colorado premiums vs. the national average
Wonder how Colorado rates stack up to those of the rest of the nation? The average Colorado premium was $906 compared with the national average of $846.
Homeowners insurance premiums differ by location statewide, so your rates may not be the same as those in neighboring counties. Find out how your county and those surrounding it compare to the state average.
Home insurance rates in Colorado
Homeowners insurance premiums in Colorado were around $906.00 in October of 2013 when they increased from $901 in September. 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
|Oct 2013||Sep 2013||Aug 2013||Jul 2013||Jun 2013|
Whether Colorado home insurance premiums increase or decrease, stay mindful of ways in which you can save. Agents with HomeInsurance.com can help you find the discounts that you need. Some common ways you could qualify for savings are:
- Bundling: If you purchase both your auto insurance and Colorado home insurance policy through the same provider, you could save on your monthly premiums.
- Fire: In a state beset by devastating wildfires and droughts, fire safety is no joke. In Colorado, homeowners can earn price breaks if they install smoke detectors and sprinkler systems, both of which can help quell the risk of a fire spreading throughout the home. Families in which no one smokes also can typically earn discounts.
- Security: Coloradoans have enough to worry about without adding crime to the mix. That's why some providers offer savings of up to 10% when residents install security systems on their properties. Even adding deadbolt locks to your home could save you up to 5% on your monthly premiums.
- New home: If your home was built within the last 10 years, you could qualify for a new home discount.
- Sustainable materials: The materials used in the construction or renovation of your home matter. Certain sustainable materials can help keep Colorado colorful and could help you save on you Colorado home insurance.
Are your Colorado neighbors saving as much as they could? Below you can find a list of the last 5 Colorado policies written by HomeInsurance.com agents. Remember that providers base premiums on individual situation as well as location and house type.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$840†||$575†||$854†||$574†||$899†|
|Lot Size||11,312 Sq Ft||6,120 Sq Ft||1,742 Sq Ft||7,306 Sq Ft||7,144 Sq Ft|
|Square Feet||1,671 Sq Ft||1,944 Sq Ft||1,015 Sq Ft||1,243 Sq Ft||1,911 Sq Ft|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Gas||Central Gas||Central Gas|
Standard Colorado home insurance policy
When it comes to your Colorado home insurance policy, it's important to know more than just the price. Having a general understanding of your protection helps you get better deals and to adequately safeguard your home. A standard policy includes coverage for:
- Your Dwelling and Other Structures: The structure of your home would be protected by dwelling coverage. The amount of dwelling coverage you buy also determines the limits for other types such as Personal Property. If you have structures on your property unattached to your home such as toolsheds or detached garages, they would be covered by a standard policy.
- Loss of Use: If your home is severely damaged by a covered peril and deemed uninhabitable, Loss of Use can help pay for your living expenses (hotel and restaurant bills) while your house undergoes repairs.
- Your Personal Property: The contents of your home are protected by your Personal Property coverage. If you have high-value items, make sure they don't exceed your policy limits and check out additional options for their protection.
- Personal Liability: This coverage protects you from personal injury lawsuits. If someone becomes injured on your property and sues, it will help pay legal fees and final judgments. If that person doesn't want to sue, Medical Payments coverage can help with the cost of treatment.
Additional Colorado insurance resources
Disaster Preparedness Guide: Now that you know about the variety and severity of potential Colorado disasters, it's a good idea to prepare your home and family for them. Find tips and tricks for major disaster prep here.
FAQs: Our HomeInsurance.com insurance experts answer the most common questions you might have.
Homeowners Blog: For news and subtleties pertinent to insurance that you wouldn't expect, you can turn the experts who work for our HomeInsurance.com blog.
Colorado Department of Insurance: Check out the information here.
For more information about Colorado home insurance quotes, find your city below:
|Colorado Springs||Commerce City||Denver||Evergreen|