The Best Home Insurance in Colorado for 2025

Chubb, USAA and State Farm are the best home insurance companies in Colorado, according to our analysis.

To help you find the best home insurance in Colorado, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.6 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best homeowners insurance

Here's more information about the best homeowners insurance companies in Colorado.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to affluent homeowners, offering coverage other insurers often charge extra for. For example, the company's policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders in Colorado are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. Amica draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company has a broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to do business with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You can also add extra coverage for the structure of your home, in case your policy limit isn’t enough to cover the cost of rebuilding.

Country Financial sells homeowners insurance through local representatives. The company draws a very low rate of consumer complaints to state regulators.

» READ MORE: Country Financial homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

USAA offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

» READ MORE: USAA homeowners insurance review

The average cost of homeowners insurance in Colorado is $4,175 per year, or about $348 per month, according to NerdWallet’s rate analysis. That’s nearly twice the national average of $2,110.

In most states, including Colorado, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Colorado, those with poor credit pay an average of $6,570 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 57% more than those with good credit.

» MORE: How your credit score affects homeowners insurance

How much you pay for home insurance in Colorado will depend on your ZIP code. For example, homeowners in Denver pay an average of $4,735 a year for coverage, while those in Grand Junction pay $1,845, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Colorado average of $4,175.

» MORE: The cheapest homeowners insurance

Here are a few things to keep in mind when looking for home insurance in Colorado.

Wildfires

Most home insurance policies cover fire and smoke damage, but homeowners in high-risk areas may have a hard time finding coverage. Read more on what to know about wildfire insurance.

By Colorado law, these requirements apply if a wildfire destroys your home:

• Insurers must pay for at least two years of additional living expenses if you need to live somewhere else while your house is rebuilt.

• You have three years after your insurer’s initial claim payment to submit rebuilding invoices and receipts for replacement belongings.

• You may use your claim funds to rebuild in the same location, build a home in a different location or buy an existing home somewhere else.

• You're entitled to a claim payout of at least 65% of your personal property limit without having to itemize everything you lost. However, you can still get a full payout if you do submit a list. (Learn how to create a home inventory.)

Hail

Most home insurance policies will pay for damage from hail, including damage to your roof. Your home insurance deductible will apply. (A deductible is the part of a claim you’re responsible for paying.)

Flooding

Homeowners insurance typically won’t cover flood damage. If you live in a high-risk zone, such as along a lake or river, your mortgage lender will likely require you to purchase flood insurance. But you could be at risk no matter where you live, so the coverage may still be worth considering.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: How to choose the best flood insurance

To help homeowners who can’t find insurance in the private market, the state government recently created an insurer of last resort. Known as the FAIR Plan, it’s designed for high-risk properties that have been denied coverage by at least three other insurers. To apply, you’ll need to work with a licensed agent.

Visit Colorado’s Division of Insurance website to file a complaint against your insurer or learn how insurance works. The website lets homeowners compare insurance premiums and provides information about how to shop for a policy. Assistance is available by calling 303-894-7499.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.