State Farm, Chubb, American Family, Nationwide and Farmers are the best home insurance companies in Colorado. State Farm leads in affordability, Chubb scores high in customer service, and Nationwide excels in coverage options. Compare all our top picks below.
Best Homeowners Insurance in Colorado
Updated: October 24, 2025
Advertising & Editorial Disclosure
Key Takeaways
According to our 2025 research, the top three home insurance providers in Colorado are State Farm, Chubb and American Family.
State Farm offers the best overall home insurance for most Colorado homeowners. For those with older homes, Chubb is a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Colorado?
| State Farm | 90 | 1 | 3 | 4 |
| Chubb | 89 | 5 | 1 | 2 |
| American Family | 88 | 2 | 2 | 3 |
| Nationwide | 79 | 3 | 5 | 1 |
| Farmers | 74 | 4 | 4 | 5 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Our rankings highlight the best overall home insurance options, but they vary by home and homeowner categories. Here are the top choices for these categories:
| State Farm | 90 | Overall |
| Chubb | 91 | Older Homes |
| State Farm | 88 | Newer Homes |
| State Farm | 90 | High-Fire-Risk Areas |
| Chubb | 94 | Bad Credit |
| State Farm | 90 | With Claims History |
Best Colorado Home Insurance by City
Home insurance provider rankings in Colorado cities vary based on policy affordability, local customer service and available add-on coverage options. State Farm ranks best in Denver, while American Family is the top provider in Greeley. The table shows the top overall options for each city.
| Arvada | State Farm | 90 |
| Aurora | State Farm | 90 |
| Boulder | State Farm | 90 |
| Centennial | State Farm | 90 |
| Colorado Springs | State Farm | 90 |
| Denver | State Farm | 90 |
| Fort Collins | State Farm | 90 |
| Greeley | American Family | 90 |
| Highlands Ranch | State Farm | 90 |
| Lakewood | State Farm | 90 |
| Loveland | State Farm | 90 |
| Pueblo | State Farm | 90 |
| Thornton | State Farm | 90 |
| Westminster | State Farm | 90 |
Best Colorado Home Insurance Reviews
Explore the top home insurance providers in Colorado, focusing on those with high scores in affordability, customer service and comprehensive coverage options.
State Farm: Best for Affordability
State Farm is the cheapest home insurance provider for most homeowners in Colorado. J.D. Power ranks it above the national average in customer service, placing seventh in customer satisfaction. State Farm offers unique add-ons like underground utility coverage, coverage for energy-efficient home upgrades and extended replacement cost reimbursement.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| Newer Homes | $112 | $1,341 |
| Newer Homes in High-Fire-Risk Areas | $112 | $1,341 |
| Older Homes | $186 | $2,235 |
| Older Homes in High-Fire-Risk Areas | $186 | $2,235 |
Chubb: Best for Customer Service
Chubb is the most expensive provider on our list but leads in customer service among Colorado home insurance companies. It also scores well in coverage. J.D. Power ranks it first for customer service and claims satisfaction. Chubb offers unique coverages for high-value homes, including a cash settlement option that provides a cash payout for your home's insured value if you choose not to rebuild after a total loss.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $160 | $1,919 |
| Newer Homes | $160 | $1,919 |
| Older Homes in High-Fire-Risk Areas | $219 | $2,630 |
| Older Homes | $219 | $2,630 |
Nationwide: Best for Coverage
Nationwide isn't the most affordable option for most homeowners but offers the cheapest rates for newer homes. Its extensive coverage options include unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction per J.D. Power.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| Newer Homes | $77 | $926 |
| Newer Homes in High-Fire-Risk Areas | $77 | $929 |
| Older Homes | $428 | $5,138 |
| Older Homes in High-Fire-Risk Areas | $430 | $5,154 |
How to Find the Best Home Insurance in Colorado
Finding the right homeowners insurance doesn't have to be overwhelming. Here's how to choose coverage that fits your situation.
- 1Determine Your Coverage Needs
Determine the coverage level you need before choosing a home insurance policy. Assess your home's value, personal belongings inside and local risk factors that might affect your coverage.
- 2Research Costs and Discounts
Figure out how much home insurance costs in Colorado to gauge potential savings. Check for discounts you qualify for to maximize your savings.
- 3Find the Best Providers for You
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Colorado. Use guides and personal research to evaluate customer service ratings, pricing for your needs and suitable coverage add-ons.
- 4Compare Multiple Providers Through All Means
With your research complete, compare providers to find the best option. Compare quotes for accuracy. Get quotes through different methods, as online estimates may differ from those given by brokers or agents over the phone.
- 5Finalize Your Policy and Purchase
Once you've chosen a provider, review the policy details carefully. Make sure all coverage amounts are correct and the discounts you've discussed are applied. Finalize your purchase by confirming the policy start date and setting up payment arrangements.
Best Homeowners Insurance in Colorado: Bottom Line
State Farm, Chubb and American Family are the best-rated homeowners insurance providers in Colorado. Exploring and comparing options yourself helps you find the perfect match for your needs.
Best Home Insurance in Colorado: FAQ
Our FAQ provides clear answers on choosing the right home insurance provider in Colorado.
Which company is best for home insurance in Colorado?
State Farm is the best homeowners insurance provider in Colorado for its affordability, excellent customer service and versatile coverage options. Chubb, American Family, Nationwide and Farmers are also strong alternatives in the state.
Who has the most affordable homeowners insurance in Colorado?
The most affordable homeowners insurance varies based on individual circumstances and coverage needs. The average cost of homeowners insurance in Colorado is $1,446 annually.
How do you get the best homeowners insurance in Colorado?
To find the best home insurance in Colorado, determine your coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Colorado: Our Methodology
Colorado homeowners need reliable comparisons to choose the right insurance provider in a state with unique risks like wildfires and hail damage. We evaluated providers on what matters most: affordability, customer experience and coverage options.
Our MoneyGeek Score Breakdown
- Affordability (55%): We analyzed rates across different home types, credit tiers and risk levels. Providers scored higher for competitive pricing and extensive discount offerings. This heavy weight reflects that cost is the primary concern for most homeowners.
- Customer Satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys. This score includes the buying process, policy management and claims handling to show you which companies deliver good service throughout your relationship.
- Coverage Options (15%): We assessed the number of add-on options, unique features and state availability. More coverage flexibility means you can tailor your policy to Colorado-specific needs like wildfire protection or equipment breakdown coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.