Compare Denver Home Insurance Quotes Online

Please provide a valid zip code.

Get the best home coverage rates in CO

Home Insurance in Denver, Colorado: A Complete Guide

As Colorado’s capital and most populated city, Denver is a bustling urban hub. However, living here comes with specific risks, such as wildfires and winter storms, which affect home insurance rates. Here’s an in-depth look at the costs and considerations for home insurance in Denver.

National vs. Denver Home Insurance Costs

The national average cost for home insurance is $1,400 per year for a home valued at $300,000. In Denver, homeowners generally pay more due to elevated risks from wildfires and heavy snowfall. The average home insurance premium in Denver is around $1,900 per year.


Home Insurance Rates by Home Age in Denver

Older homes often carry higher insurance premiums due to outdated systems or materials that may not meet modern safety standards. Below is a table detailing how home age impacts insurance costs in Denver:

Home AgeAverage Annual Premium
0-10 years$1,800
10-20 years$1,850
20-30 years$1,900
30+ years$2,000

How Home Age Affects Insurance in Denver


Home Insurance Rates by Credit Tier in Denver

Your credit score plays a significant role in determining your home insurance premiums. Here’s a breakdown of home insurance rates by credit score in Denver:


Cheapest Home Insurance Providers in Denver

If you’re looking for affordable home insurance in Denver, these companies offer some of the lowest rates:

  1. State Farm: $1,850/year
  2. Allstate: $1,900/year
  3. Liberty Mutual: $1,870/year
  4. USAA: $1,820/year (for military families)
  5. Farmers Insurance: $1,890/year

Home Insurance Rates by Deductible in Denver

Your deductible, or the amount you pay out of pocket for claims, can affect your annual premium. Here’s how different deductible amounts affect insurance costs:


Types of Homeowners Insurance in Denver

There are several types of homeowners insurance policies you can choose from in Denver:


Comparing Denver to Other Colorado Cities

Please provide a valid zip code.