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Average Cost in Colorado

 

Colorado Home Insurance Prices

Structure Types

Assumed structure details: 2000 sq ft, 10 years old, composite shingle roof, dead-bolt locks, smoke/fire detectors, within 5 miles of a fire station, and 1,000 feet of a fire hydrant.

  • Frame Structure: Exterior walls of combustible construction.
  • Masonry Structure: Exterior walls of non-combustible materials like brick or concrete.

Policy Types

This report, provided by the Colorado Division of Insurance, allows consumers to compare current homeowner insurance premiums in Colorado as of July 2023. The premiums listed are for a one-year coverage period with full replacement cost coverage* for the following policies:

Comprehensive coverage for home, structure, and contents, subject to exclusions.

  • Dwelling Replacement Cost: $500,000
  • Contents Replacement Cost: $350,000
  • Personal Liability: $100,000
  • Medical Expense: $1,000
  • Deductible: $1,000

Covers personal property for renters; excludes owner's property.

  • Contents Replacement Cost: $40,000
  • Personal Liability: $100,000
  • Medical Expense: $1,000
  • Deductible: $500

Covers property owned by the insured in a condominium, including interiors.

  • Contents Replacement Cost: $80,000
  • Personal Liability: $100,000
  • Medical Expense: $1,000
  • Deductible: $500

*Replacement cost coverage pays the full repair or replacement cost without depreciation, subject to policy limits and deductible.