Homeowners Insurance in Colorado
Local Experts. Fast Quotes. Real Protection
Your home is more than a building — it’s your foundation. At The Brokerage Insurance Group, we help protect what matters with homeowners insurance built for Colorado’s unique risks, from hailstorms to wildfires.
As an independent agency, we compare policies from over 20 top-rated carriers to deliver the right coverage at the right price — without spam, pressure, or call centers.
Takes less than 60 seconds. No pressure, no spam.
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What Does Homeowners Insurance Cover?
🏠 Dwelling Coverage
Covers damage to the physical structure of your home caused by fire, wind, hail, lightning, or other covered events.
🧱 Other Structures
Provides protection for detached buildings on your property, such as garages, sheds, and fences.
🛋️ Personal Property
Reimburses you for stolen or damaged personal belongings — furniture, clothing, electronics, and more — whether the loss occurs at home or away.
🧾 Loss of Use
Pays for temporary living expenses (hotel, meals, etc.) if your home becomes uninhabitable due to a covered claim.
🛡️ Personal Liability
Helps cover legal fees and damages if you’re found responsible for injuries or property damage to others.
🏥 Medical Payments to Others
Covers minor medical expenses for guests who are injured on your property, regardless of who is at fault.
What’s Not Covered by Standard Homeowners Insurance?
🌨️ Common Exclusions
- Flood Damage: Not covered by standard policies — requires a separate flood insurance policy through the NFIP or a private carrier.
- Earthquakes: Earthquake coverage is typically not included unless added by endorsement.
- Sewer or Drain Backups: Water backup coverage must be purchased separately.
- Negligence or Maintenance Issues: Damage due to lack of upkeep or neglect is excluded.
- Wear and Tear: Gradual deterioration of property (e.g., aging roofs, rusted pipes) is not eligible for reimbursement.
🔥 High-Value Items with Limited Coverage
- Jewelry, Art, and Collectibles: Standard policies have payout limits — extended coverage may be needed for full protection.
- Cash and Securities: Reimbursement limits apply without scheduled endorsements.
Colorado-Specific Risks: What You Should Know
Homeowners insurance in Colorado isn’t one-size-fits-all. Our state presents unique risks that can significantly affect your coverage, premiums, and eligibility. Here’s what to consider:
🌨️ Hail Coverage
Colorado consistently ranks among the top states for hail-related insurance claims — especially along the Front Range, including areas like Centennial, Denver, and Colorado Springs.
- Higher Deductibles: Many policies apply a separate, higher deductible for hail and windstorm claims.
- Impact-Resistant Shingles: Homes with Class 4-rated shingles may qualify for discounts (10–30% off premiums).
- Roof Age Restrictions: Some insurers won’t fully cover roofs over 10–15 years old. You may face coverage limitations or be required to show proof of condition.
- Inspection Requirements: After a hailstorm, many carriers request third-party inspections to maintain or renew coverage.
🔥 Wildfire Risk
As wildfires become more common across the Mountain West, carriers are adjusting underwriting criteria and premiums based on location and mitigation.
- Wildfire Zones: Homes in forested or high-risk areas (e.g., Evergreen, Conifer, Boulder foothills) may require additional documentation or specialty carriers.
- Defensible Space: Insurers often require proof that brush, vegetation, and flammable debris are cleared at least 30 feet from the structure.
- Fire-Resistant Construction: Fire-retardant roofing, siding, and windows may be required — or help lower premiums.
- Carrier Restrictions: In high-risk zip codes, fewer carriers may offer quotes, and some policies may exclude wildfire damage entirely.
🏔️ Elevation & Weather Extremes
Colorado’s elevation contributes to sudden weather shifts that impact claims — snow load, freeze-thaw cycles, and wind gusts can all lead to unexpected damage.
- Frozen Pipes: In mountain communities, unheated basements or vacation homes may face seasonal exclusions unless winterized.
- Wind Damage: High-elevation properties are more exposed to wind-related losses and may carry separate wind/hail deductibles.
- Ice Dams & Roof Collapse: Policies may offer optional endorsements to cover weight-of-snow damage.
Average Cost of Homeowners Insurance in Colorado
Homeowners insurance rates in Colorado vary widely based on location, home value, and risk exposure — especially to hail and wildfire. But knowing the average premiums across the state can help you benchmark whether you’re overpaying or under-protected.
What Impacts Your Rate the Most?
- As of 2025, the average annual cost for homeowners insurance in Colorado is $2,580, according to the NAIC (National Association of Insurance Commissioners).
- That places Colorado among the top 5 most expensive states for homeowners insurance, largely due to extreme weather risks.
- Premiums have increased by over 20% in the past 3 years — driven by rising claim frequency, construction costs, and tighter underwriting.
Note: These are general market estimates and do not reflect carrier-specific underwriting. Final rates depend on dwelling value, year built, roof age, claims history, credit, and other rating factors.
Rates by Region
| Region | Avg. Annual Premium |
|---|---|
| Centennial & Denver Metro | $2,300 – $2,800 |
| Colorado Springs & Pueblo | $2,100 – $2,700 |
| Foothill & Wildfire Zones (e.g., Boulder, Evergreen) | $3,000+ |
| Mountain & Resort Areas (e.g., Vail, Aspen) | $3,200 – $4,000 |
Want a Custom Quote?
Average rates are helpful — but not precise. The most effective way to lower your premium is to compare quotes from multiple top-rated insurers.
The Brokerage Insurance Group works with over 20 carriers to find you the best value for your coverage needs — without sacrificing protection.
Complete Your Protection: Related Coverage Options
Homeowners insurance is a great start, but Colorado homes often need additional coverage for full protection.
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Auto Insurance
Bundle your home and auto insurance to save up to 25% on both policies. Colorado drivers face unique risks like hail damage and mountain driving conditions.
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Umbrella Coverage
Add an extra layer of liability protection beyond your homeowners policy limits. Ideal for high-net-worth homeowners or those with significant assets to protect.
🌊
Flood Insurance
Standard homeowners policies don’t cover flood damage. Colorado’s spring snowmelt and flash floods make separate flood coverage essential for many homeowners.
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High-Value Home Insurance
Homes valued over $750,000 or with custom features need specialized coverage. Get higher limits and better protection for your valuable investment.
Why Choose The Brokerage Insurance Group?
At The Brokerage Insurance Group, we’re not just another insurance agency — we’re your local, independent partner with the expertise to protect what matters most.
Our team has helped thousands of Colorado homeowners secure reliable, affordable protection tailored to their specific needs — from the Front Range to the foothills and everywhere in between.
Here’s why more homeowners trust us:
- Independent & Unbiased: We’re not tied to one carrier — we work with over 20 top-rated insurance companies to find the best fit for your home and budget.
- Colorado Expertise: We know the risks unique to this state — hailstorms, wildfires, high-elevation homes — and how to get the right protection for each.
- One-on-One Support: You’ll work with a dedicated local advisor — no call centers, no generic service.
- Claims Advocacy: We don’t disappear after the sale. We help you through claims to make sure you’re treated fairly.
- Flexible Options: Need flood, umbrella, or extra high-value coverage? We can package it all in one place — with discounts.
- Fast, Custom Quotes: Whether you’re refinancing, relocating, or buying your first home, we’ll get you insured quickly and accurately.
“As a Colorado native and licensed agent, I know what our weather — and our markets — can throw at you.”
— Jarrett Schinbeckler
✔️ Ready to compare quotes from Colorado’s top home insurance carriers?
Trusted by Top-Rated Insurance Carriers
We partner with leading home insurance companies to help you compare rates and find the best protection for your Colorado home. No pressure. Just honest guidance and expert advice.
What Our Clients Say
Real Reviews from Colorado Homeowners
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📍Areas We Serve
Based in Centennial and just minutes from Denver, The Brokerage Insurance Group proudly serves homeowners and renters across Colorado. Whether you live along the Front Range, in the mountains, or on the plains — we’ve got you covered.
We provide personalized insurance solutions in cities and communities including:
Denver Metro Area:
Centennial, Denver, Aurora, Lakewood, Arvada, Westminster, Thornton, Broomfield, Highlands Ranch, Littleton, Commerce City, Northglenn, Englewood
Northern Colorado:
Fort Collins, Loveland, Longmont, Greeley, Windsor, Berthoud, Firestone, Lafayett
Southern & Central Colorado:
Colorado Springs, Castle Rock, Pueblo, Woodland Park, Monument
Western Slope & Mountain Towns:
Grand Junction, Durango, Montrose, Aspen, Evergreen
Eastern & Rural Colorado:
Sterling, Wheat Ridge, Parker, other nearby communities
Don’t see your city listed?
No problem — our licensed agents serve clients across the entire state of Colorado.
Trusted by over 3,000 homeowners across Colorado.
Frequently Asked Questions
Not by state law — but if you’re financing your home, your mortgage lender will almost always require coverage.
Colorado ranks among the top 5 most expensive states due to wildfire and hail risks — but smart shopping can help you save.
Absolutely. Bundling your home and auto policies can save 10–25%. We compare top carriers to help you maximize those savings without compromising coverage.
If you live in areas prone to wildfires (like Evergreen or Colorado Springs) or hail storms (especially around Denver or the Front Range), we strongly recommend adding extra coverage. We’ll review your home’s risk profile and tailor your policy accordingly.
You can reduce costs by raising your deductible, installing home security systems, bundling with auto, and staying claims-free. We’ll help you find the sweet spot between protection and affordability.
Most homeowners insurance policies can be bound within 24 hours — ideal for closings or same-day needs. Just fill out our quick form or call us to get started.
Get covered in 24 hours — start your Colorado quote today.
Ready to Protect Your Home?
Your home deserves more than a one-size-fits-all policy. At The Brokerage Insurance Group, we deliver tailored homeowners insurance solutions backed by decades of experience and trusted carrier partnerships.
Whether you’re in Centennial, Denver, or anywhere across Colorado, we’ll guide you to coverage that fits your needs — not just your zip code.
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