Homeowners Insurance in Colorado
Local Experts. Fast Quotes. Real Protection
The Brokerage Insurance Group is a Colorado-based independent insurance agency that provides homeowners insurance.
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, including furniture, clothing, and electronics, 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.
If You Live in a Wildfire Zone, Your Insurance Options Have Changed
Colorado’s homeowners insurance market has shifted significantly over the past several years, and foothill and mountain homeowners are feeling it most directly.
Non-renewal rates for policies in high fire risk areas have increased substantially since 2018. Some carriers have stopped writing new policies in these areas entirely. Others have tightened underwriting criteria dramatically, with location now carrying more weight than the age, condition, or claims history of your home.
If you have received a non-renewal notice, or if you are finding it difficult to secure coverage for a property in Jefferson, Clear Creek, Boulder, Teller, or Gilpin County, you are not dealing with an isolated situation. This is a market-level shift, and it requires a different approach to finding and keeping coverage.
What Colorado Carriers Are Doing Right Now
Standard admitted carriers are reducing their exposure in wildland-urban interface zones across Colorado. Non-admitted surplus lines carriers have stepped in to fill some of the gap, often at significantly higher premiums and with more limited policy terms. A smaller number of admitted carriers continue to write policies in moderate fire risk areas, but their underwriting requirements have tightened, with proximity to a fire station, construction materials, defensible space maintenance, and roof age all factoring into eligibility decisions. For foothill homeowners, working with an independent broker who has access to both admitted and surplus lines markets is no longer optional. It is the only way to compare every available option in one conversation rather than spending weeks contacting carriers individually and receiving the same answer.
How HB25-1182 Changes the Picture for Colorado Homeowners
Colorado passed House Bill 25-1182 in May 2025, with key provisions effective July 1, 2026. The law is the most significant change to wildfire insurance regulation in Colorado in decades.
Here is what it requires:
- Carriers that use wildfire risk models to price, underwrite, or non-renew a policy must disclose that risk score to the homeowner in writing annually.
- Carriers must factor in documented mitigation work the homeowner has completed, including defensible space, fire-resistant roofing, and ember-resistant vents.
- If a carrier does not incorporate property-specific mitigation into its model, it must provide a discount to homeowners who can demonstrate qualifying mitigation efforts.
- Homeowners who believe their risk score does not accurately reflect their property have a right to appeal it directly to the carrier, with a required written response within 30 days.
This matters because foothill homeowners previously had no way to know why their premiums increased or why a policy was non-renewed. HB25-1182 creates a defined process and a paper trail. It does not guarantee lower premiums or reverse a non-renewal, but it gives homeowners standing and information they did not previously have.
What to Do If You Receive a Non-Renewal Notice
A non-renewal notice does not mean you are out of options. Colorado law requires carriers to provide advance written notice before non-renewing a policy, which gives you time to act — and Colorado homeowners who want a full breakdown of their options and rights under HB25-1182 can find it in our non-renewal action guide. The steps below give you the best outcome.
Contact an independent broker as soon as the notice arrives. Do not wait until the policy expiration date. An independent broker can search across multiple carriers simultaneously and identify whether a comparable policy is available in the admitted or surplus lines market. A personal umbrella policy can also extend your liability protection beyond standard homeowners limits.
Document your mitigation work before applying for new coverage. Under HB25-1182, carriers are now required to factor mitigation into their risk scores. Defensible space clearance, fire-resistant roofing, and ember-resistant vents are documentable and can directly affect your risk classification and the premium you are offered.
If three private carriers have denied coverage, you may apply to the Colorado FAIR Plan. The FAIR Plan launched in April 2025 as the state’s insurer of last resort. Coverage is capped at $750,000 for residential properties and provides actual cash value rather than full replacement cost coverage, which is meaningfully less generous than a standard private policy. It is a legitimate option when private coverage is unavailable, but it should be the last stop, not the first call. The Colorado Division of Insurance maintains a consumer resource page on wildfire and insurance at doi.colorado.gov, including guidance on the FAIR Plan, HB25-1182, and carrier obligations under Colorado law.
By Rob Whittet, Agency Partner | CO License #342852
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Our brokers know the Colorado carrier market. We’ll find your options and explain them plainly.
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Colorado Wind and Hail Deductibles Are Rising. Here Is How to Close the Gap.
Colorado’s hail frequency and Front Range wind exposure have pushed carriers to separate wind and hail damage from standard homeowners coverage. Many policies now carry wind and hail deductibles calculated as a percentage of the dwelling value rather than a flat dollar figure. On a $600,000 Colorado home with a 2 percent wind and hail deductible, a qualifying storm event triggers a $12,000 out-of-pocket cost before the homeowners policy pays a single dollar. For many Colorado families, that is not a manageable number.
The situation compounds when the roof is older. If a carrier pays a wind or hail claim on a depreciated roof, the actual cash value payout may cover only a fraction of replacement cost, leaving the homeowner responsible for the gap between what depreciation allows and what a contractor charges today.
There is a product built specifically for this problem. Through our partnership with Sola Insurance, Colorado homeowners can add a standalone wind and hail deductible coverage policy that works alongside their existing homeowners insurance, not instead of it. Sola uses National Weather Service data to identify and pay claims, which eliminates the need for an adjuster and speeds the payout process considerably.
Here is how Sola works for hail claims. When a qualifying hail event occurs, Sola reviews National Weather Service data for your property location. A Hail Score of 65 or above triggers a payout at your selected policy limit with no deductible applied. You receive a direct payment you can apply to your homeowners deductible, roof repair costs, or any other related expense.
Wind and tornado coverage works on a tiered payout model. When a qualifying wind event occurs at your property location, payouts range from $3,000 for EF0 and EF1 events up to the full policy limit for EF5 events, with no adjuster visit required.
Three situations where Colorado homeowners benefit most from adding Sola coverage:
- Your homeowners policy carries a percentage-based wind and hail deductible of 1 percent or more of dwelling value. The higher your deductible, the more direct the benefit.
- Your roof is more than ten years old and your homeowners carrier pays claims on an actual cash value basis. Sola fills the gap between what depreciation allows and what replacement actually costs.
- You want to reduce your homeowners premium by raising your wind and hail deductible without accepting the full out-of-pocket risk that comes with it. A higher homeowners deductible lowers your homeowners premium. Sola offsets the increased exposure at a cost that typically produces net savings.
Colorado homeowners can get a Sola quote directly through our referral link or speak with one of our brokers about whether the coverage makes sense alongside their existing program.
By Rob Whittet, Agency Partner | CO License #342852
Is Your Wind and Hail Deductible Working Against You?
Talk to a Colorado broker about adding Sola coverage alongside your existing homeowners policy.
Licensed • Insured • 200+ 5-Star Google Reviews • Serving Colorado Since 2005
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?
- According to the latest data from the NAIC, Colorado consistently ranks among the most expensive states for homeowners insurance premiums
- Colorado consistently ranks among the most expensive states for homeowners insurance premiums, according to data from the National Association of Insurance Commissioners. Extreme weather exposure, including hail frequency and wildfire risk, places significant upward pressure on rates across the state.
- Premiums have increased significantly over the past three years, driven by rising claim frequency, construction costs, and tighter underwriting.
What Drives Your Rate in Colorado
Colorado homeowners insurance premiums vary more by individual property than by region alone. The factors that move your rate most significantly are:
- Your location’s wildfire and hail risk score. Properties in Boulder County foothills, Jefferson County, and Gilpin County face substantially higher premiums than Front Range urban properties. Carriers access real-time risk models and two homes a mile apart can carry different rates.
- Your roof. Age, material, and condition are the single most influential physical factors. A Class 4 impact-resistant roof can reduce your hail premium meaningfully with the right carrier.
- Your dwelling replacement cost. Insurance is priced on what it costs to rebuild, not market value. In Colorado, construction costs have risen sharply. Many homeowners are underinsured without knowing it.
- Your claims history. A single water or hail claim in the past five years affects your options with admitted carriers and may move you toward surplus lines pricing.
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
Building a complete personal insurance program means pairing your homeowners coverage with the right supporting policies. Colorado homeowners benefit most from the options below.
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.
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.
Life Insurance
Colorado families also benefit from pairing homeowners coverage with a life insurance policy to protect the people inside the home, not just the structure.
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 Colorado homeowners across the Front Range and foothills secure reliable, affordable protection tailored to their specific needs.
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, including hailstorms, wildfires, and 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
For the latest updates to Colorado insurance law and carrier market conditions, visit our Colorado insurance resources page. Colorado homeowners who operate home-based businesses often need general liability insurance beyond what a standard homeowners policy provides.
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Areas We Serve
The Brokerage Insurance Group is based in Centennial, Colorado, and licensed to serve homeowners across the entire state. Our brokers have worked with families in mountain communities dealing with wildfire exposure, Front Range homeowners navigating hail season, and rural Colorado properties that national carriers often decline to write. If you have a Colorado address, we can help.
We serve homeowners in 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, Lafayette
Southern & Central Colorado:
Colorado Springs, Parker, Castle Rock, Pueblo, Woodland Park, Monument
Western Slope & Mountain Towns:
Grand Junction, Durango, Montrose, Aspen, Evergreen
Eastern & Rural Colorado:
Sterling, Wheat Ridge, and surrounding communities
Not finding your city?
Call us at (720) 443-2886. We work with carriers that write policies across Colorado, including areas where coverage is harder to find.
Frequently Asked Questions
Homeowners insurance is not required by Colorado state law, but it is mandated by virtually all mortgage lenders as a condition of financing. A lender requires proof of insurance to protect its financial interest in the property against catastrophic loss from events like fire or hail. Without a mortgage, a homeowner could technically forego coverage, but this is highly inadvisable given the significant financial risk of property damage and liability claims. For a detailed coverage review, contact The Brokerage Insurance Group at (720) 443-2886 for a complimentary consultation.
The cost of homeowners insurance in Colorado is one of the highest in the nation, driven by the significant risk of catastrophic weather events like hail and wildfires. Premiums vary widely based on a property’s specific location; for example, homes within the Front Range hail alley or in high-risk wildfire zones will see higher rates. Other key factors influencing cost include the home’s age, the type of construction, and the homeowner’s claims history. An independent broker can compare quotes from over 20 carriers to find competitive rates for a specific property. For a personalized quote based on these factors, call The Brokerage Insurance Group at (720) 443-2886.
Standard Colorado homeowners policies typically include coverage for both hail and wildfire, but the deductible can be a separate, higher amount, often a percentage of the home’s insured value ranging from 1% to 5%. For properties in high-risk areas, some insurers may exclude these perils entirely, requiring a separate, specialized policy from a surplus lines carrier. It is critical to review a policy’s specific language regarding these events to ensure adequate protection is in place before a disaster occurs. For a free policy review and risk assessment, contact The Brokerage Insurance Group at (720) 443-2886.
Homeowners can lower their Colorado insurance premiums by increasing their deductible, installing protective devices like hail-resistant roofing and a water smart leak detection system or an automatic main water shut off system, and maintaining a good credit score. Bundling home and auto insurance with the same carrier often provides one of the most significant discounts, frequently between 10% and 25%. An independent broker can strategically shop the market to find carriers that offer the most favorable rates and discounts for a specific home and owner profile, ensuring the best balance of cost and coverage. To explore all available discounts, call The Brokerage Insurance Group at (720) 443-2886.
Yes, standard homeowners insurance in Colorado covers hail and wind damage to your roof, siding, and windows. However, because Colorado has some of the highest rates of hail claims in the country, many policies now include a separate, higher deductible specifically for wind and hail damage. It is critical to review your policy to know exactly what your out of pocket costs will be before a storm hits.
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.
Licensed • Insured • 200+ 5-Star Google Reviews • Serving Colorado Since 2005
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National Association of Insurance Commissioners, “2023 Homeowners Insurance Report”
Colorado Division of Real Estate, “Real Estate Broker License Requirements“
This page was written by Jarrett Schinbeckler, CO License #313688 | Reviewed by Rob Whittet, CO License #342852