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Find the Best Homeowners Insurance in Denver, CO

Homeowners insurance in Denver is an important way to protect against costly repairs and losses. Colorado’s sunny days and scenic landscape may be what people love about the state, but weather and wildfires can turn severe. We researched the best home insurance in Denver based on competitive rates, responsiveness to claims and consumer reviews.

Compare Denver Homeowners Insurance

Overall satisfaction rating
  • Covers dwelling, loss of use, personal property and liability
  • Discounts for in-home safety features
  • Starts at $25/month
  • Available in Denver and select states
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  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Denver
Overall satisfaction rating
  • Covers personal property, liability and dwelling
  • Discounts for bundling home and auto policies
  • Offers Claim Rateguard so rates won’t increase after a claim
  • Available in Denver and nationwide
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Overall satisfaction rating
  • Multi policy discounts
  • Alarm system discounts
  • RV & motorcycle
  • Optional coverage choices

Offers flexible coverage options and provides online quotes and claims. Discounts for bundled policies, new homeowners and houses with security systems. Provides 24/7 customer support.

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State Farm
Overall satisfaction rating
  • Home & auto packages
  • Multiple line discounts
  • Deals on home alarms
  • Home inventory tools

Offers policies with custom coverages and deductibles through national local agent networks. Discounts for bundled policies, home security and impact-resistant roofs. Online quotes, claims and policy management.

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  • Property coverage
  • Liability coverage
  • Renters insurance
  • Military discount
5145 Kipling St.
Wheat Ridge, CO 80033
(303) 537-8252
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State Farm Agent: Jody Roberts
  • Home & auto package
  • Discount home security
  • Property inventory tools
  • 16 years of experience
15260 E. Hampden Ave.
Aurora, CO 80014
(303) 693-1650
Denver West Insurance Brokers
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • denverwestinsurance.com
722 Washington Ave., Ste. C205
Golden, CO 80401
(303) 960-5290
Farmers Insurance Agent: Mike Schmisek
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • agents.farmers.com/co/denver/mike-schmisek
1100 S. Shoshone St.
Denver, CO 80223
(303) 922-1001
Denver Insurance
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • denverinsuranceteam.com
1127 Auraria Pkwy., Ste. 22
Denver, CO 80204
(720) 446-5566
Farmers Insurance Agent: Allison Henderson
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • agents.farmers.com/co/denver/allison-henderson
2560 Sheridan Blvd., Ste. 1
Denver, CO 80214
(303) 573-0435
Square State Insurance
  • M-F: 9am - 6pm
  • Sat-Sun: 9am - 3pm
  • squarestateinsurance.com
1312 17th St., Ste. 188
Denver, CO 80202
(702) 346-7873
Longevity Insurance Brokers
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • longevitybrokers.com
100 Filmore St.
Denver, CO 80206
(720) 209-4598
Lightship Insurance
  • M-F: 8am - 6pm
  • Closed Sat and Sun
  • lightshipinsurance.com
1650 Franklin St.
Denver, CO 80218
(303) 292-9995
Shonka Agency
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • affordableamericaninsurance.com/shonka-agency/
2828 N. Speer Blvd., Ste. 116
Denver, CO 80211
(303) 572-2249
Shelter Insurance Agent: Doug Mayer
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • shelterinsurance.com/CA/agent/DMAYER
7200 E. Hampden Ave., Ste. 204
Denver, CO 80224
(303) 300-2000
Vela Insurance Agency
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • velainsures.com/home.html
5825 W. Louisiana Ave.
Lakewood, CO 80232
(720) 550-6527

How to choose homeowners insurance in Denver

Denver Skyline

The average cost for Colorado home insurance is approximately $1,200 per year with the Denver area having higher rates around $1,450. The national average is $1,228. Colorado is the third fastest rising state when it comes to insurance. Increasing costs are due to more cases of unpredictable weather, such as hail and wildfires.

Average home insurance rates in Denver

Neighborhood Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
80206 – Cherry Creek $1,822 $3,038 $4,032
80209 – Washington Park $1,827 $3,046 $4,034
80211 – Highland $1,647 $2,696 $3,556
80021 – Westminster/Broomfield $1,390 $2,298 $3,029
80120 – Littleton $1,640 $2,706 $3,559
80401 – Lakewood $1,622 $2,704 $3,590
80108 – Castle Rock $1,671 $2,759 $3,628

Note: Based on dwelling amounts above with a constant $1,000 deductible and $100,000 liability.

Possible discounts for homeowner insurance include a new home discount, if you go a period of time without a claim or even if you are a non-smoker. Installing these features can also lower your rate:
  • Burglar alarm
  • Smoke detector
  • Storm shutters
  • Hail-resistant roof

Weather damage and home insurance in Denver:

While homeowners insurance isn't required in Colorado, with such extreme and unpredictable weather, it's important to have coverage. Be sure to understand if your policy protects against falling objects due to wind and hail damage.

While Colorado is known for a drier climate, it doesn't make residents immune to possible flood damage, which is usually not covered in a general policy. In Colorado, more than one-quarter of damages due to floods happen outside of high-risk areas.

That dry climate makes Colorado a risk for wildfires. These are caused by humans or lightning, and risk increases with high wind and periods of little rain. Wildfires dramatically change ground conditions, which lead to an increased risk of flooding for up to five years later.

Frozen pipes are a common winter problem in Denver. The average claim for frozen pipes is about $5,000 plus fixing water damage in walls or ceilings.

Finally, the state Department of Regulatory Agencies offers guidance to prepare a list of possessions for homeowners in the event a claim needs to be made.

Denver Homeowners Insurance Reviews


With Lemonade, you can get homeowners insurance in Denver in just 90 seconds and get claims paid in three minutes. Its policies cover dwellings, loss of use, personal property, personal liability, other structures and medical payments to others. You can also add Lemonade’s Extra Coverage for valuables like jewelry and fine art. The company automatically applies discounts to your premium if you have in-home safety features. Lemonade’s Giveback program donates leftover funds to charities chosen by its policyholders.

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Homeowners insurance policies from Allstate, one of the largest home insurers in the U.S., cover your physical home, personal property, liability and medical expenses for someone injured on your property. Add-ons are available to cover scheduled personal property, water backup, yard and garden, and ID theft restoration. Visit a local agent in Denver to find the right policy and learn what discounts you’re eligible for. One of these agents, Jim Kinney, is located at 4620 E. Colfax Ave., Denver, CO 80220.

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Positive reviews for Progressive home insurance note their good rates and responsiveness. Progressive offers discounts for new home construction, opting to receive documents by email, paying in full, installing automatic sprinklers or other safety devices, and bundling with other insurance policies.

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State Farm

Denver customers report great service, quick responses, informative staff and excellent coverage. State Farm offers homeowner insurance discounts for multiple policies, installing a home monitoring system, installing a smoke or fire alarm or having an impact-resistant roof.

State Farm


Denver GEICO customers report good service, friendly associates and competitive rates. GEICO offers discounts and premium reductions for federal employees, the military and memberships and organizations, including alumni from University of Colorado, Colorado State University and University of Northern Colorado.


State Farm Agent: Jody Roberts

State Farm agent Jody Roberts has been an award-winning State Farm agent since 2002. Customers say Jody Roberts offers exceptional and personalized service, great prices and is quick to answer questions and concerns when it comes to home buyers.

State Farm Agent: Jody Roberts