Homeowners Insurance Colorado

Getting Homeowners Insurance in Colorado

Homeowners Insurance in ColoradoHaving good home insurance coverage can make all the difference for homeowners in the Centennial State. Living in Colorado, you can find yourself facing several challenges, including:
  • Wind and hail
  • Incendios
  • Robo
These challenges make it important to get the best homeowners insurance in Colorado. The Hartford is here to make sure you have the peace of mind you need, no matter where you live in CO. So, whether it’s Denver, Colorado Springs, Aurora, Fort Collins or any city in Colorado, seguro de viviendas coverages through the AARP® Homeowners Insurance Program from The Hartford1 can help protect your home from significant financial loss.

What Is the Average Cost of Homeowners Insurance in Colorado?

The average cost of a homeowners insurance policy in Colorado is $2,152 per year. This is higher than the national average of $1,428.2
There are many different factors that can influence the homeowners insurance rates you pay in Colorado, including:
  • Your home's total square footage. The larger your house, the higher the premiums will be.
  • Your home’s location.
  • The natural disasters that may occur. The likelihood of certain types of disasters, such as hail, snowstorms or wildfires can affect your cost.
  • The building costs in your area. This includes your home's type of construction, materials and additional features.

Types of Colorado Homeowners Insurance

Homeowners protected by homeowners insurance coloradoUnlike seguro para automóviles, homeowners insurance isn’t required by law in Colorado. However, mortgage lenders will likely require home insurance coverage before you can get a loan.
At The Hartford, we offer a wide range of home insurance coverage options in Colorado so you can find the homeowners policy that works for you and your home. Home insurance coverages available through the AARP Homeowners Insurance Program from The Hartford include:
Dwelling Coverage helps protect your home inside and out. This includes your house and structures that are directly attached to it, such as:
  • Roofs
  • Garages
  • Staircases
  • Walls
  • Flooring
Cobertura para otras estructuras helps cover additional detached structures located on your property. So, if your shed collapses from heavy snow, or a tree falls on your detached garage, this coverage can help cover the costs.
Cobertura de propiedad personal helps protect your personal belongings from a covered loss. Typically, covered belongings include:
  • Electrodomésticos
  • Muebles
  • Ropa
  • Electrónica
You can get additional coverage for valuable items, like collectibles and jewelry. Custom coverages are available in larger amounts to ensure you get the limit you’re comfortable with for your belongings.
Cobertura por responsabilidad civil helps provide for your legal defense against a liability claim. For example, if someone falls down your stairs and gets hurt, this coverage can help cover the costs associated with their medical bills.

More Colorado Homeowners Insurance Coverages:

Homeowners equipment breakdown coverage helps provide protection against mechanical or electrical breakdowns in your home. It can save you from paying for repairs out of pocket. This benefit even provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. However, normal wear and tear is excluded from coverage.
Loss of Use Coverage helps cover your additional living expenses, up to policy limits, if you can’t live in your home while it’s being repaired. Typical costs covered include:
  • Hotel fees
  • Parking fees
  • Pet boarding
Additional Limits Coverage helps pay to rebuild your home after a covered total loss, even if it costs up to 125% of your coverage limits.
Medical Payments Coverage helps protect you if someone is injured on your CO property. For example, if someone slips and sprains their ankle on your property, this coverage can help with the cost of their medical bills, up to policy limits, whether you’re legally responsible or not.3
Valuable Items Blanket Coverage provides extra coverage for your valuables, such as:
  • Furs
  • Joyas
  • Collectibles
  • Silverware
The Hartford’s Valuable Items Blanket Coverage can increase your coverage limits to $10,000 per item. In addition to extra coverage, you won’t have to pay a deductible if you have a covered loss. If you need to insure items over $10,000, other endorsements can allow you to schedule your items, so they can be fully covered.
You can also include a Disappearing Property Deductible‡‡ as an added benefit. This lowers your deductible each year if you go three consecutive years with a clean claims history.
Rental Property Protection Plus covers any rental units you own as a landlord. This helps protect the home and other structures on the property against wind and water damage. It can also help cover replacement costs of your rental unit, detached structures and more.

Colorado Home Insurance Discounts

We offer several Colorado home insurance discounts to help lower your premiums.

Bundled Insurance Discount

If you already have a car insurance policy with The Hartford, bundling it with your homeowners insurance can help you qualify for discounts. When you combinar el seguro, can save up to 12% on seguro para automóviles and up to 20% on your homeowners insurance in Colorado.** Our customers save an average of $813 a year by bundling their auto and home policies.**

Home Security Discount

At The Hartford, we want to reward you for protecting your home. That’s why you can receive a home insurance discount for security systems by installing devices such as burglar alarms.
Get the coverage your home needs with a homeowners insurance plan from The Hartford. Call our specialists at 800-624-5578 to get your quote today.
Última actualización: 2 de abril de 2024
2 Bankrate, “Average homeowners insurance cost in July 2023”
3 Los gastos médicos se calculan en base a cargos usuales, habituales y razonables.
4 Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP® Auto & Home Insurance Programs from The Hartford. El producto para propietarios de viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida.
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.