Colorado Homeowners Insurance

Finding a homeowners insurance policy doesn’t need to be stressful. Compare rates by city and carrier below.

Find cheap home insurance in Colorado


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. A home insurance policy defends your home and your items against a number of misfortunes, including wind damage, fire, theft, vandalism, and more.

Major gaps exist in home insurance costs from state to state. Policy rates in US states vary based on the number and cost home policy claims submitted across the state, and also on the value of the belongings and structures covered by the policy.

The best way to find a cheap home insurance policy in Colorado is to compare rates from as many companies as possible. Learn more about typical homeowners insurance rates in Colorado by reviewing the below data. Your rates may vary, depending on your coverage details.


Colorado home insurance:
  1. By company
  2. Homeowners rates by city
  3. Bundling

Home insurance prices in Colorado by insurer

Homeowners insurance rates in Colorado will vary based on the insurer you choose. Owners Insurance Company offers the cheapest home insurance in Colorado — just $1,094 per year. This compares favorably to the state average price of $2,412, providing a $1,318 price cut on rates typical to the state.

Start searching for cheap homeowners insurance by reviewing the best Colorado home insurance carriers, listed below.


HOMEOWNERS INSURANCE RATES IN COLORADO: BY CARRIER
CompanyAverage Annual Rate in Colorado
Owners Insurance Company$1,094.00
Safeco$1,178.66
Nationwide$1,289.95
Great Northern$1,451.99
Shelter$1,894.43

Colorado homeowners insurance costs: by city

Home insurance rates in Colorado vary depending on the city. Pricing may depend on city-specific variables, including the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.

The best homeowners insurance in Colorado is available in Grand Junction. In Grand Junction, the typical home insurance policy costs $1,269 per year — $1,142 less than the average homeowners policy in other Colorado cities. The below cities have the most affordable homeowners insurance in Colorado.


AFFORDABLE HOME INSURANCE CITIES IN COLORADO
CityAverage Annual Home Insurance Rate
Grand Junction$1,269.49
Fort Collins$1,979.04
Loveland$1,996.39
Boulder$2,119.80
Longmont$2,144.92

Colorado insurance bundling discounts: home + auto

If you want to save on insurance, consider purchasing both your homeowners and auto insurance policies from one company. A home and car insurance bundle in Colorado can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in Colorado results in a yearly discount of $160.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN COLORADO
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,631.00$1,471.00$160.0011%

Bundling home and auto policies is a great way to save. Compare rates today!


Compare car insurance rates today!