Finding competitive, low cost home insurance quotes in Colorado does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a 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.
Homeowners insurance premiums in Colorado were around $832.00 in December of 2011 when they increased from $814 in November. 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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| Dec 2011 | Nov 2011 | Oct 2011 | Sep 2011 | Aug 2011 |
| $832.00 | $814.00 | $802.00 | $795.00 | $781.00 |
Since average Colorado homeowners insurance premiums have increased, you should stay mindful of how much you are paying to insure your home. Taking advantage of discounts can make sure your rates stay low while keeping 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.
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
- Colorado wildfire highlights significant threat this yearWednesday, March 21, 2012
- Workshop to evaluate homeowners insurance coverageMonday, November 28, 2011
- Insurers' profits fall, but reserves remain healthyThursday, June 30, 2011
- TWIA purchases $600M in reinsurance Tuesday, June 14, 2011
- Victims of recent Colorado wildfire get help from advocacy groupMonday, January 10, 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 homeowners.
- Visit the Homeowners Blog to read the latest news affecting 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
- Denver
- 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.

