Denver, CO Home Insurance - Analysis On Quotes, Rates & Agents

Denver, CO Insurance Rates:

The average cost of home insurance in Denver, CO is $1536. vHome analyzed multiple home insurance quotes in Denver, CO to narrow down the list of the cheapest insurance companies in Denver, CO. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.

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Average Home Insurance Premium in Denver, CO

National Average Premium State Average Premium Denver Average Premium
$1,438 $1,436 $1,536

Top Home Insurance Companies in Denver, CO | Back to Top

vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Great Northern $1,004 $1,205 $1,567 $2,162
Shelter $2,083 $2,500 $3,250 $4,485
Owners Insurance Company $1,149 $1,378 $1,792 $2,473
Safeco $1,238 $1,486 $1,931 $2,665

Denver, CO Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 521.15
$150,000 To $174,999 674.54
$175,000 To $199,999 850.95
$200,000 To $249,999 1,025.27
$250,000 To $299,999 1,410.7
$300,000 To $399,999 1,951.52
$400,000 To $499,999 2,422.41
$500,000 To $749,999 3,100.68
$750,000 To $999,999 3,585.16
$1000,000 To $1499,999 3,948.53
$1500,000 To $2000,000 4,239.21

Visual Guide for Denver, CO Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Denver, CO | Back to Top

Home Insurance Company Near Denver, CO Homeowners Insurance Agency Near Denver, CO Address
Travelers Goji 1600 BROADWAY STE 2400, DENVER, CO, 80202
Travelers Insurance Group Of Colorado - Ahern 1970 KIPLING ST, LAKEWOOD, CO, 80215
State Farm Steven Basler 7909 Zenobia St, Westminster, CO, 80030-4444
Farmers Suzanne Decarlo 7200 E Dry Creek Rd Ste G205, Centennial, CO, 80112
Travelers Tag-Matt Moody 1170 W ASH ST STE 200, WINDSOR, CO, 80550

List of Denver, CO Home Insurance Agents by Companies

Denver, CO Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Denver, CO with no claims filed get a discount of $215.04, whereas homeowners with one claim have to file an additional home insurance rate of $92 while homeowners with 2 claims have to pay an additional $215 for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -215 1,321
One Claim +92 1,628
Two Claim +215 1,751

Denver, CO Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
80260 92,700 1,459
80209 466,000 1,475
80230 465,100 1,558
80206 435,900 1,428
80202 386,500 1,459
80210 385,700 1,490
80220 373,200 1,554
80218 319,800 1,459
80237 288,900 1,452
80211 283,600 1,452
80246 266,200 1,554
80207 265,700 1,490
80235 259,300 1,475
80224 256,600 1,444
80203 240,000 1,428
80205 237,400 1,554
80227 233,200 1,490
80231 232,800 1,459
80236 217,200 1,558
80249 188,900 1,554
80204 181,800 1,490
80223 166,500 1,556
80219 153,800 1,459
80239 152,300 1,490
80216 128,900 1,558

Factors Affecting Home Insurance Premiums in Denver, CO

The average cost of homeowners insurance in Denver, CO is $1536. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.

Denver, CO Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,097
3 Bedroom 1,176
4 Bedroom 1,803
5 Bedroom 3,527

Denver, CO Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,518
$1000 Deductible 1,373
$1500 Deductible 1,292
$2000 Deductible 1,173
$2500 Deductible 1,103

Denver, CO Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Denver, CO pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,198
Year 30 Old 1,559
Year 40 Old 1,576
Year 50 Old 1,594
Above Year 50 1,610

Denver, CO Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 215 1,321
Masonry 77 1,459
Brick 77 1,459
Superior 154 1,382
Hail Resistant Roof 46 1,490

Top Saving Tips on Denver, CO Homeowners Insurance | Back to Top

Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Denver, CO homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.

The tables below contain the complete list of discounts that Denver, CO homeowners can take advantage of to increase their savings.

Denver, CO Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 276 1,260
Retiree Discount (Senior Citizen Discount) 215 1,751
Newly Constructed Home 338 1,198

Denver, CO Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 138 1,398
Fire Extinguishers 123 1,413
Smoke Detectors 184 1,352
Sprinkler System 169 1,367
Fire Alarm 108 1,428
Burglar Alarm 138 1,398
Lightning Protection 31 1,505

Latest Home Insurance Reviews

I shopped around for the better part of a month and Allstate is the best. I have a $500 deductible and it covers everything.
They have terms that are good and always seem to beat the competition. I like what they do for me. I think in this area I would also rate them as a 5.
State Farm
I would recommend State Farm to anyone that was looking to change their insurance company. I have had nothing but good experiences with working with them for so long.
I would reccomend them to most of my friends the customer service is fairly good and they really try to meet the customers needs . I also like that I can combine mine with my car ins
I would recommend my insurance company to anyone who is looking for a policy on home,life, or auto becasue of their great customer service and their fantastic policy coverage and rates.
State Farm
Thankfully I have never had an issue with state farm. We had some damage to the ceiling at home that caused our stove to also get damaged. They came checked the damage within 24 hours.
They argued with us for a good while when we first bought our house that it was built in a floodplain when it was not.
I would definitely recommend this company. Even though their prices can sometimes be a bit steep, they're kind, supportive, knowledgeable, and not "slimy." They hold up their ends of agreements.
Liberty Mutual
I would probably recommend them, but would also tell you to look around and try to find a better one.
My premium is lower than other companies. I have basic coverage and that makes my premium lower. They have not raised my premium in many years.
State Farm
We have chanced to look at other policies on a few different occasions but we've never left them because they have treated us well. So State Farm it is.
Liberty Mutual
your house and your possessions against damage or loss from events like fire, theft, storm damage, frozen pipes, and more. It also provides liability coverage for personal injuries sustained by others on your property.
State Farm
It seems very good to me since they are always there when I need it the most they are very reliable
Liberty Mutual
The deductible is only $250 for the first 15 years! Thats awesome . Most in my area were above $500+ They are great!
State Farm
The premium and deductible are affordable and they offer payment plans and different plans that any type of income earner can afford and pay easily.
Amica Mutual Insurance
Their claims process is easy and reasonable. i had to make a couple of claims, they have paid fast and did not give me too much trouble each time.
They are very easy to contact about changing plans and don't try to upsell you on anything so i feel like the cost is the best possible.
One positive point of this plan is that they made the entire sign up process extremely streamlined. As soon as I was signing my lease paper.
They have various ways that I can get in touch including through a phone, an app, a chat service and more. They are very responsive in most cases.
It’s actually a pretty good price for an annual Insurance premium. I think we have a fairly good plan compared to others.
State Farm
Our premium keeps increasing and my neighbors have found that shopping around can provide better coverage. But when switching companies, they will not cover the roof which is the most likely "loss" in my area.
Farmer's Insurance
We had business with them for over 20 years. I like how easy is the claim process and also the agent we deal with is great.
California Casualty
I haven't compared but feel its ok. I need to look into comparisons if I need to give accurate info.
California Casualty
I dislike the fact that when I attempt to contact an insurance agent online the website has me interacting with a bot or computer agent instead of a human. I find these bots very annoying and they often cannot answer my nuanced question. Hopefully they can replace these robots with online human beings.
State Farm
We have been customers for over 15 years and they have excellent customer service, offer a variety of services and plans that meet our needs and have always been timely and responsive with all claims.
Centauri Insurance
I don't have any dislikes about the company. The price is fair, the service is good. I can't really think of anything negative to say.
I just wish the company was more responsive. When I ask a question on the app, actually answer it instead of just thanking me for my questions. When you have something happen to your home you need human connection. I think their workloads are way too high and they don't have enough time.
It is good. So far so good. We have never filed a claim. I guess if we ever do we will find out what kind of company they are.
All insurance companies are a little scandalous by nature so it comes down to them wanting to keep the money.
I really like the customer service. There is always an actual person ready to help me out every time I call.
State Farm
I definitely would recommend my home insurance to people. It's very affordable with good coverage and our agents office treats us well.
Farmer's Insurance
Nothing at all! They are amazing in every sense of the term. I would not even consider a different insurance company.
I like the company overall due to the great customer services and low premium, and they are always there for anything I need and they make it very easy.
National General
If I have to pick something, which is difficult, I'd say they may have been a small percentage under the actual number on my damage estimate, but not by far.
I would recommend USAA as an insurance company based on how easy setting up a policy was.I would suggest that people shop around before choosing USAA.