Colorado Home Insurance Quotes

Homeowners insurance data in Colorado including average premiums.

Compare and save on
Colorado home insurance today.

Zip Code:
Year Built:
97% of customers recommend HomeInsurance.com.
97% of customers recommend HomeInsurance.com. 4.5/5 stars Read Reviews
Speak with a licensed agent in Colorado Call Us Now: 877-763-6862 or Request A Call

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
Dec 2011Nov 2011Oct 2011Sep 2011Aug 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

Coverage
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.

Other Colorado Homeowners Resources:

Search for home insurance in your Colorado county:

Customer Reviews in Colorado

The top 4 customer reviews on HomeInsurance.com service and savings in Colorado.
5 Star Rating
Savings: $770/year
Customer: Dara M.
Date: Jan 13, 2012
Thank you!
Grand Junction, CO
4 Star Rating
Savings: $200/year
Customer: Linda H.
Date: Apr 09, 2010
I was very surprised by how much I liked your service. Glad I searched online instead of just using my same old insurance company.
Nederland, CO
4 Star Rating
Savings: $1000/year
Customer: Alberto V.
Date: Dec 07, 2009
Great Company!
Greeley, CO
4 Star Rating
Savings: $750/year
Customer: Mary P.
Date: Oct 28, 2009
Service was fast and thorough. Process was painless, and we saved a great deal of money. Thank you!
Durango, CO

For additional information about specific insurance laws in Colorado, visit the Colorado Department of Insurance website.

Customer Care