Best Homeowners Insurance in Colorado


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Key Takeaways

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According to our 2025 research, the top three home insurance providers in Colorado are State Farm, Chubb and American Family.

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State Farm offers the best overall home insurance for most Colorado homeowners. For those with older homes, Chubb is a more suitable option.

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To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

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Who Are the Best Home Insurance Companies in Colorado?

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.

State Farm90134
Chubb89512
American Family88223
Nationwide79351
Farmers74445

*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

While our rankings highlight the best overall home insurance options, they may vary by home and homeowner categories. Below is a summary of the top choices for key categories.

State Farm90Overall
Chubb91Older Homes
State Farm88Newer Homes
State Farm90High-Fire-Risk Areas
Chubb94Bad Credit
State Farm90With Claims History

Best Colorado Home Insurance by City

Home insurance provider rankings in Colorado cities vary widely based on policy affordability, local customer service and available add-on coverage options. For instance, State Farm ranks best in Denver, while American Family is the top provider in Greeley. To help you choose the best provider for your location, we've outlined the top overall options for each city.

ArvadaState Farm90
AuroraState Farm90
BoulderState Farm90
CentennialState Farm90
Colorado SpringsState Farm90
DenverState Farm90
Fort CollinsState Farm90
GreeleyAmerican Family90
Highlands RanchState Farm90
LakewoodState Farm90
LovelandState Farm90
PuebloState Farm90
ThorntonState Farm90
WestminsterState Farm90

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. According to J.D. Power, it also ranks 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:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History: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

Although Chubb is the most expensive provider on our list, it leads in customer service among Colorado home insurance companies. It also scores well in coverage. The company holds the top rank for customer service and claims satisfaction, according to J.D. Power. Chubb also has unique coverages tailored toward high-value homes, including a cash settlement option, which offers a cash payout for your home's insured value if you choose not to rebuild after a total loss.

Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History: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

While Nationwide isn't the most affordable option for most homeowners, it does have 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 also strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History: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 specific situation.

  1. 1

    Determine Your Coverage Needs

    Before choosing a home insurance policy, determine the coverage level you need. Assess your home's value, the personal belongings inside, and local risk factors that might affect your coverage.

  2. 2

    Research Costs and Discounts

    Figure out how much home insurance costs in Colorado to gauge potential savings. Also, check for discounts you qualify for to maximize your savings.

  3. 3

    Find 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 specific to your needs, and suitable coverage add-ons.

  4. 4

    Compare Multiple Providers Through All Means

    With your research complete, compare providers to find the best option. Ensure you compare quotes on an apples-to-apples basis for accuracy. Get quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.

  5. 5

    Finalize Your Policy and Purchase

    Once you've chosen a provider, review the policy details carefully. Make sure all the 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. While these are strong recommendations, exploring and comparing options yourself will help you find the perfect match for your needs.

Best Home Insurance in Colorado: FAQ

Explore our FAQ section for clear answers on choosing the right home insurance provider in Colorado.

Which company is best for home insurance in Colorado?

Who has the most affordable homeowners insurance in Colorado?

How do you get the best homeowners insurance in Colorado?

How We Decided the Best Home Insurance in Colorado: Our Methodology

We rated the best homeowners insurance providers in Colorado using this methodology:

  • Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
  • Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
  • Coverage (15%): We assessed the number of add-on options, unique features and availability by state.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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