{"id":325102,"date":"2025-11-14T06:20:57","date_gmt":"2025-11-14T11:20:57","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=95778"},"modified":"2025-11-14T08:53:43","modified_gmt":"2025-11-14T13:53:43","slug":"best-in-colorado","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-colorado\/","title":{"rendered":"The Best Homeowners Insurance in Colorado of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overview\" title=\"The Best Homeowners Insurance in Colorado\"><\/span>\n    \n\n\n<p>If you are in the market for <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\">homeowners insurance<\/a> in Colorado, it can be challenging to figure out which company is right for you. Colorado homeowners now typically pay roughly $3,000\u2013$4,000 per year for a standard policy, based on recent analyses from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/colorado\/\">Policygenius<\/a>, and <a href=\"https:\/\/insurify.com\/homeowners-insurance\/colorado\/\">Insurify<\/a>. The state is also rolling out a last-resort option via the <a href=\"https:\/\/doi.colorado.gov\/for-consumers\/colorado-fair-plan\">Colorado FAIR Plan<\/a> to help homeowners who cannot find coverage in the private market. To simplify your shopping experience, Reviews.com did some research to find the best homeowners insurance in Colorado.<\/p>\n\n\n\n<p>We determined that the top providers in Colorado are Auto-Owners, USAA, Allstate, American Family, Travelers, and State Farm. We chose these providers based on their average rates, coverage options, discounts, financial strength scores, and third-party ratings. Keep in mind that pricing and eligibility vary widely by ZIP code, roof age\/material, and wildfire exposure; recent independent evaluations also point to strong options like Amica Mutual (service and claims) and Chubb (high-value homes) for certain profiles (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power 2024 U.S. Home Insurance Study<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\">Bankrate Colorado guide<\/a>).<\/p>\n\n\n\n<p>Earlier comparisons in this guide relied on historical 2021 sample rates. Since then, premiums have risen sharply statewide; for current context, see <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\">Bankrate\u2019s 2025 update<\/a> and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/colorado\/\">Policygenius\u2019 Colorado guide<\/a>. Policygenius\u2019 <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-price-index\/\">Home Insurance Price Index<\/a> also shows double-digit national year-over-year increases through 2024. Comparing quotes from carriers that provide home insurance in Colorado remains the best way to find the right mix of price and coverage.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 6 Best Home Insurance Companies in Colorado<\/h2>\n\n\n\n<ul>\n<li><strong><a href=\"#auto-owners\" rel=\"nofollow\" class=\"achor-toggles\">Auto-Owners<\/a>:<\/strong> Best Colorado Home Insurance for Affordable and Robust Coverage<\/li>\n\n\n\n<li><strong><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>:<\/strong> Best Colorado Home Insurance for Military-Centric Options<\/li>\n\n\n\n<li><strong><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>:<\/strong> Best Colorado Home Insurance for Discounts<\/li>\n\n\n\n<li><strong><a href=\"#american-family\" rel=\"nofollow\" class=\"achor-toggles\">American Family<\/a>:<\/strong> Best Colorado Home Insurance for New Home Purchases<\/li>\n\n\n\n<li><strong><a href=\"#travelers\" rel=\"nofollow\" class=\"achor-toggles\">Travelers<\/a>:<\/strong> Best Colorado Home Insurance for Sustainable Homes<\/li>\n\n\n\n<li><strong><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>:<\/strong> Best Colorado Home Insurance for Policy Bundling <\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare\" title=\"Comparison Table\"><\/span>\n    \n\n\t\t\n<section id=\"block_60d37ebd80ec8\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Home Insurance Companies in Colorado<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_60d37ebd80ec8-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,060<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60d37ebd80ec8-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,310<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60d37ebd80ec8-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,952<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60d37ebd80ec8-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,434<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60d37ebd80ec8-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,330<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>800<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60d37ebd80ec8-6\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='6'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,232<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Note: The comparison table above reflects sample data originally compiled in 2021. As of 2025, typical Colorado homeowners premiums average roughly $3,000\u2013$4,000 per year depending on coverage, location, and insurer (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/colorado\/\">Policygenius<\/a>).<\/em><\/p>\n\n\n\n<p><em>* Data originally provided by Bankrate.com for $250,000 in dwelling coverage; current statewide averages are substantially higher. See <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\">Bankrate\u2019s latest Colorado update<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Home Insurance Study<\/a>. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"auto-owners\" title=\"Best for Affordable and Robust Coverage\"><\/span>\n    \n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Affordable and Robust Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers some of the cheapest home insurance coverage in Colorado, which makes it a great option for homeowners who want an affordable policy with solid coverage options.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,060*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers some of the cheapest home insurance coverage in Colorado, which makes it a great option for homeowners who want an affordable policy with solid coverage options.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Lower premiums on average<\/li>\n                            <li>Excellent financial strength<\/li>\n                            <li>Variety of discounts <\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Must work with agent to buy policy<\/li>\n                                        <li>No option to get a quote online<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guaranteed home replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Special personal property\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowners Plus package<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft expense<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup\/sump pump<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ordinance\/law\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equipment breakdown<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Life multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment history<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective devices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic backup generator<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay in full<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advance quote<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water shut off system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgage-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Favorable loss history<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA is a highly-rated insurance company that exclusively serves Colorado homeowners who are retired or active duty military personnel, as well as immediate family members. The company is known for its low rates and exceptional customer service.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,310*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">882**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA is a highly-rated insurance company that exclusively serves Colorado homeowners who are retired or active duty military personnel, as well as immediate family members. The company is known for its low rates and exceptional customer service.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Outstanding customer service rating<\/li>\n                            <li>Policies tailored to military family needs<\/li>\n                            <li>Competitive pricing <\/li>\n                            <li>Replacement cost coverage is standard for personal items<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Only available to current and former military members and their families<\/li>\n                                        <li>Limited coverage options and discounts<\/li>\n                                        <li>Few branch locations<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home sharing\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake <\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home security system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim-free<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s generous discounts could help Colorado homeowners get a lower premium, making the company a good choice for anyone who\u2019s looking to save a few dollars on their premium costs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,952*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s generous discounts could help Colorado homeowners get a lower premium, making the company a good choice for anyone who\u2019s looking to save a few dollars on their premium costs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Diverse discount opportunities<\/li>\n                            <li>Informative website and digital tools<\/li>\n                            <li>Good variety of endorsements for customized coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>More expensive premiums than competitors on average<\/li>\n                                        <li>High number of National Association of Insurance Commissioners <a href=\"https:\/\/content.naic.org\/cis\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">(NAIC) complaints<\/a><\/li>\n                                        <li>Replacement cost coverage isn\u2019t standard<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HostAdvantage insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft restoration\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Scheduled personal property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business property\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sports equipment\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green improvement reimbursement coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Yard and garden\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic data recovery coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Musical instrument <\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Responsible payer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Welcome and loyalty<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homebuyer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early signing<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"american-family\" title=\"Best for New Home Purchases\"><\/span>\n    \n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Home Purchases<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                New homeowners in Colorado who are buying insurance for the first time may want to consider American Family, which makes it easy to decide what type of coverage you need through its online policy comparisons and calculators.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=315496-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,434*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                New homeowners in Colorado who are buying insurance for the first time may want to consider American Family, which makes it easy to decide what type of coverage you need through its online policy comparisons and calculators.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Customizable coverage options<\/li>\n                            <li>Good customer satisfaction ratings and 24\/7 claims center<\/li>\n                            <li>Helpful digital resources for new homebuyers<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Lower financial strength than others on our list<\/li>\n                                        <li>Higher-than-average <a href=\"https:\/\/content.naic.org\/cis\" target=\"_blank\">NAIC complaint index score<\/a><\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equipment breakdown<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup\/sump pump<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Matching siding protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit theft protection<\/span><\/li>\n<li aria-level=\"1\">Hidden water damage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bundling<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment discounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Age of home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loyalty<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Generational<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Renovated home<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"travelers\" title=\"Best for Sustainable Homes\"><\/span>\n    \n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Sustainable Homes<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Colorado homeowners who own a home that is built with eco-friendly materials can take advantage of special coverages and discounts that protect their green home, and reward them for living sustainably.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331696-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,330*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">800**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Colorado homeowners who own a home that is built with eco-friendly materials can take advantage of special coverages and discounts that protect their green home, and reward them for living sustainably.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Slightly lower premiums than competitors<\/li>\n                            <li>Specialty coverages and discounts for green homes<\/li>\n                            <li>High financial strength rating<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Low customer satisfaction score<\/li>\n                                        <li>Not many discounts <\/li>\n                                        <li><a href=\"https:\/\/content.naic.org\/cis\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Higher number of complaints<\/a> from the NAIC<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Special personal property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contents replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Additional replacement cost protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jewelry and valuables<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal articles floater<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup\/sump pump<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity fraud <\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home buyer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green home<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Policy Bundling\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Policy Bundling<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm sells several types of insurance, so it could be a good option for homeowners looking to bundle coverage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,232*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm sells several types of insurance, so it could be a good option for homeowners looking to bundle coverage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Excellent financial strength rating<\/li>\n                            <li>Great discounts and policy bundling opportunities<\/li>\n                            <li>Strong reputation in the industry<\/li>\n                            <li>Some helpful online tools and resources<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>High number of <a href=\"https:\/\/content.naic.org\/cis\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">complaints<\/a> from the NAIC<\/li>\n                                        <li>Higher average premiums than competitors<\/li>\n                                        <li>Only a few endorsements available<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valuables coverages<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Impact-resistant roof<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home security system<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Data originally provided by Bankrate.com for $250,000 in dwelling coverage; for current statewide averages see <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\">Bankrate\u2019s 2025 Colorado guide<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Home Insurance Study<\/a>. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"home-company\" title=\"Homeowners Insurance Companies in Colorado\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance Companies in Colorado<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>State Auto Insurance<\/td><td>$589<\/td><\/tr><tr><td>Grange<\/td><td>$998<\/td><\/tr><tr><td>Auto-Owners<\/td><td>$1,060<\/td><\/tr><tr><td>USAA<\/td><td>$1,310<\/td><\/tr><tr><td>Travelers<\/td><td>$1,330<\/td><\/tr><tr><td>American Family<\/td><td>$1,434<\/td><\/tr><tr><td>Chubb<\/td><td>$1,466<\/td><\/tr><tr><td>Shelter<\/td><td>$1,615<\/td><\/tr><tr><td>Acuity<\/td><td>$1,670<\/td><\/tr><tr><td>California Casualty<\/td><td>$1,706<\/td><\/tr><tr><td>Allstate<\/td><td>$1,952<\/td><\/tr><tr><td>State Farm<\/td><td>$2,232<\/td><\/tr><tr><td>Farmers<\/td><td>$3,868<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Historical sample rates for a $250,000 dwelling limit (source: Bankrate.com). Current statewide averages are much higher; see <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\">Bankrate\u2019s 2025 update<\/a> for context.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-companies\" title=\"Top 3 Cheapest Home Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowner Insurance Companies in Colorado<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>State Auto Insurance<\/td><td>$589<\/td><\/tr><tr><td>Grange<\/td><td>$998<\/td><\/tr><tr><td>Auto-Owners<\/td><td>$1,060<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Historical sample rates for a $250,000 dwelling limit (source: Bankrate.com). For current context, statewide averages are now roughly $3,000\u2013$4,000 per year (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/colorado\/\">Policygenius<\/a>).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-expensive-companies\" title=\"Top 3 Most Expensive Home Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowner Insurance Companies in Colorado<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Farmers<\/td><td>$3,868<\/td><\/tr><tr><td>State Farm<\/td><td>$2,232<\/td><\/tr><tr><td>Allstate<\/td><td>$1,952<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Historical sample rates for a $250,000 dwelling limit (source: Bankrate.com). Today\u2019s market averages are significantly higher; see <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\">Bankrate 2025<\/a> for details.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"perils\" title=\"Common Home Insurance Perils in Colorado \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Common Home Insurance Perils in Colorado&nbsp;<\/h2>\n\n\n\n<p>There are a handful of common home insurance perils that homeowners in Colorado should be aware of. Understanding these risks can help you decide what type of coverage you might need, and how much coverage is necessary for your home.<\/p>\n\n\n\n<p>Wildfire and severe convective storms (hail and wind) are major drivers of losses. Colorado sits in the nation\u2019s hail corridor, and the December 2021 Marshall Fire underscored the state\u2019s urban-interface wildfire risk with about $2&nbsp;billion in insured losses (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-wildfires#Costliest%20wildfires%20in%20U.S.%20history%20by%20insured%20loss\">Insurance Information Institute<\/a>). NOAA also reports an elevated number of billion\u2011dollar U.S. disasters in recent years, led by severe storms (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion\u2011Dollar Disasters<\/a>).<\/p>\n\n\n\n<p>Flooding and flash flooding are additional concerns, especially after wildfire burn scars and during heavy rain or snowmelt. Standard homeowners insurance does not cover flood; consider separate coverage through the National Flood Insurance Program or a private flood insurer. New NFIP policies typically have a 30\u2011day waiting period, and even one inch of water can cause tens of thousands of dollars in damage (<a href=\"https:\/\/www.floodsmart.gov\/why\">FloodSmart.gov<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Add-Ons\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Add-on Home Insurance Coverage in Colorado<\/h2>\n\n\n\n<p>Standard Colorado home insurance policies are pretty comprehensive. You can check your policy\u2019s <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/home-insurance-declaration-page\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"achor-toggles\">declaration page<\/a> to see exactly <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/guide-homeowners-insurance-coverage\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"achor-toggles\">what your policy does and does not cover<\/a>. However, Colorado homeowners can benefit from purchasing certain optional coverages for added protection, such as water backup, service line, equipment breakdown, extended replacement cost, and ordinance or law coverage.<\/p>\n\n\n\n<p>Flood insurance may be one of the most important policies to have because standard Colorado homeowners insurance policies don\u2019t cover flooding, although other types of <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\">water damage<\/a> are typically covered. You may be able to purchase flood insurance through the federally-funded National Flood Insurance Program (NFIP) or the private market; note that new NFIP policies usually have a 30-day waiting period (<a href=\"https:\/\/www.floodsmart.gov\/why\">FloodSmart.gov<\/a>). Many homes can also benefit from water backup endorsements (often offered in tiered limits and commonly about $50\u2013$250\/year, <a href=\"https:\/\/www.iii.org\/article\/sewer-backup-coverage\">Triple\u2011I<\/a>) and service line coverage (frequently starting around a $10,000 limit, sometimes near $30\/year, <a href=\"https:\/\/www.thehartford.com\/home-insurance\/service-line-coverage\">The Hartford<\/a>). Consider extended replacement cost for the dwelling and appropriate ordinance or law limits to address code upgrades (<a href=\"https:\/\/www.iii.org\/article\/ordinance-or-law-coverage\">Triple\u2011I<\/a>).<\/p>\n\n\n\n<p>If you keep jewelry or other valuable items in your home, you should also consider getting valuables coverage or scheduled personal property coverage added to your home insurance in Colorado, which is available from all the providers we reviewed. This endorsement raises your coverage limits for certain items that might otherwise be covered at a very low limit.<\/p>\n\n\n\n<p>For Colorado homeowners who need some extra help deciding how much or what type of coverage to get, check out these resources:<\/p>\n\n\n\n<ul>\n<li><strong>Rocky Mountain Insurance Information Association:<\/strong> <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.rmiia.org\/downloads\/co_wildfire_guide.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Colorado Wildfire and Insurance Guide<\/a><\/li>\n\n\n\n<li><strong>Colorado Department of Insurance:<\/strong> <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.dora.state.co.us\/pls\/real\/Ins_Survey_Reports.Report_Selection_Criteria?p_report_id=HOME&amp;p_label=\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Home Insurance Premiums Report<\/a><\/li>\n\n\n\n<li><strong>Colorado Department of Insurance:<\/strong> <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/doi.colorado.gov\/my-homeowners-insurance-doesnt-cover-what\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">My Homeowners Insurance Doesn\u2019t Cover What?<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Colorado Home Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Colorado Home Insurance Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_60d3829280ef3\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much does home insurance cost in Colorado?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average cost of homeowners insurance in Colorado is now typically in the $3,000\u2013$4,000 per year range for a standard profile, according to recent statewide snapshots from <\/span><a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\"><span style=\"font-weight: 400;\">Bankrate<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/colorado\/\"><span style=\"font-weight: 400;\">Policygenius<\/span><\/a><span style=\"font-weight: 400;\"> (with similar findings from <\/span><a href=\"https:\/\/insurify.com\/homeowners-insurance\/colorado\/\"><span style=\"font-weight: 400;\">Insurify<\/span><\/a><span style=\"font-weight: 400;\">). But keep in mind that this is just an average. <\/span><span style=\"font-weight: 400;\">Home insurance premiums are personalized based on unique factors like your ZIP code, claim history, age, the size of your home, and your deductible. If you are looking for <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\"><span style=\"font-weight: 400;\">cheap home insurance<\/span><\/a><span style=\"font-weight: 400;\">, make sure to <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\"><span style=\"font-weight: 400;\">compare quotes<\/span><\/a><span style=\"font-weight: 400;\"> from several providers for the amount of coverage you need.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d382a980ef4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Why is homeowners insurance so expensive in Colorado?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Home insurance in Colorado is expensive compared to the U.S. average because of severe weather (hail and wind), growing wildfire exposure, and higher reinsurance costs. Premiums have also risen nationally, with low-to-mid-20% year-over-year increases reported through 2024 (<\/span><a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-price-index\/\"><span style=\"font-weight: 400;\">Policygenius Home Insurance Price Index<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d382c180ef5\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is home insurance a month in Colorado?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">On average, the current monthly cost of homeowners insurance in Colorado often falls around $250\u2013$330+ based on statewide annual averages of roughly $3,000\u2013$4,000. <\/span><span style=\"font-weight: 400;\">However, this is based on broad averages, so your monthly premium may be different. Although many homeowners pay their premium on a monthly basis, you can choose to pay your annual premium in full, which could help you get a discount.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6176b463bc736\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the best insurance company in Colorado?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Home insurance is very personalized, so it\u2019s difficult to determine the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\"><span style=\"font-weight: 400;\">best home insurance company<\/span><\/a><span style=\"font-weight: 400;\"> in Colorado. The best provider for you may not be the best option for your nextdoor neighbor. You should choose a home insurance company based on what you value in an insurance company, your budget, and the type of coverage you need. If you cannot find a private-market option after shopping broadly, ask about the state\u2019s last-resort backstop, the <\/span><a href=\"https:\/\/doi.colorado.gov\/for-consumers\/colorado-fair-plan\"><span style=\"font-weight: 400;\">Colorado FAIR Plan<\/span><\/a><span style=\"font-weight: 400;\">, which offers more limited coverage for otherwise uninsurable properties.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\" Methodology  \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology  <\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, and coverage options to determine which might be the best providers.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Customer Ratings \u2014 Customer ratings are an indication of satisfaction with the overall experience with a company. We measured this using <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 J.D. Power U.S. Home Insurance Study<\/a> ratings.<\/li>\n\n\n\n<li>Coverage \u2014 As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li>\n\n\n\n<li>Confidence \u2014 It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.<\/li>\n\n\n\n<li>Customer Experience \u2014 The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the National Association of Insurance Companies National Complaint Index.<\/li>\n<\/ul>\n\n\n\n<p>Rates are based on quoted annual premiums from Bankrate.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different. For current statewide averages and market context, see <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/colorado-homeowners-insurance\/\">Bankrate\u2019s 2025 Colorado guide<\/a> and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/colorado\/\">Policygenius<\/a>.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are in the market for homeowners insurance in Colorado, it can be challenging to figure out which company is right for you. Colorado homeowners now typically pay roughly $3,000\u2013$4,000 per year for a standard policy, based on recent analyses from Bankrate, Policygenius, and Insurify. The state is also rolling out a last-resort option [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362564,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Colorado Home Insurance Companies 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"To find Colorado\u2019s top carriers, we compared rates, policies, and offerings of several homeowners insurance companies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-colorado\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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