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
State Farm is Colorado's best home insurance provider, with a MoneyGeek score of 90 out of 100 and excelling in three of five homeowner insurance categories.
See if you're overpaying for home insurance below.

Updated: June 23, 2025
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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.
Compare Home Insurance Rates
Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.
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
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 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 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.
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. 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.
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.
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.
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
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
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
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
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
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?
State Farm is the best homeowners insurance provider in Colorado because of its affordability, excellent customer service and versatile coverage options. Chubb, American Family, Nationwide and Farmers are also well-regarded alternatives within the state.
Who has the most affordable homeowners insurance in Colorado?
The most affordable homeowners insurance varies based on individual circumstances and coverage needs. However, 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
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, 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.