Colorado homeowners insurance

The most northeastern state of the famous "Four Corners" quartet, Colorado is known for its Rocky Mountains and mile-high cities. Progressive also has something big to offer Colorado homeowners: affordable, customizable home insurance. Whether you're already a homeowner in Colorado, or you're looking to purchase a property to occupy, check out Progressive's home insurance coverages, discounts, and cost information.

4 min to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

How you're covered

Colorado doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It’s important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Colorado

The eastern end of Colorado is at the western edge of "Tornado Alley," the region of the US that experiences the most tornadoes. Fires can be a concern across the state, as can an array of storm types – snow, wind, rain, and even hail. Your home insurance policy may cover damage to your home's structure and belongings caused by covered perils, up to your policy's limits and minus your deductible. Learn more about how home insurance may cover storm damage.

When it comes to flooding, rising water levels aren't the biggest concern for Colorado homeowners. A flood insurance policy may protect your property and belongings against damage from outside flooding.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

See more about the home insurance discounts we offer.

Pro tip:

Bundle home and auto insurance with Progressive to earn a multi-policy discount. We make it simple to get a bundles quote, even from your phone.

How much is homeowners insurance in Colorado?

Your cost for Colorado homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a home you own in Colorado?

Make sure your rental property with protected with the right type of insurance policy. Learn more about landlord insurance policies and insurance for vacation or vacant homes.

Fun facts about homes in Colorado

  1. Colorado's homeownership rate is 64.9%, just above the national average (63.8%).

  2. Fans of musical theater may be familiar with "The Unsinkable Molly Brown." Margaret "Molly" Brown survived the sinking of the Titanic, and her home in Denver is now the Molly Brown House Museum.

  3. Mesa Verde National Park in Montezuma County, Colorado, includes hundreds of well-preserved cliff dwellings that, in some cases, date back nearly a thousand years.

Get homeowners insurance in Colorado

Go online

We'll ask simple questions about your property, then you can customize your coverages and start date.

Get a homeowners insurance quote

Call us

Speak with a licensed homeowners representative who can guide you through your quote.

Call 1-866-749-7436

Ask an agent

We'll connect you with a licensed independent agent near you.

Find a Colorado agent online

Quote homeowners insurance online or call for advice

Learn more about home insurance policies.