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Denver Homeowners Insurance

Find the Right Denver, CO Homeowners Insurance

Nicknamed the "Mile High City" for its elevation at 5,280 feet, Denver, CO is a bustling metropolis, located at the foothills of the Rocky Mountains. Many are moving here from the Midwest or East Coast to take advantage of craft breweries, outdoor beauty and proximity to other western gems. It's a desirable place to live in, and many homeowners take pride in calling Denver home. But residents still face a number of property risks when it comes to weather and living in a city.

That's where Trusted Choice® Independent Insurance Agents can help. Our agents are trained to analyze risks and find coverage that gives you 360 degrees of protection. Whether you just purchased your first home in the Baker neighborhood or have had your home in Cherry Creek for a decade, let us help you find comprehensive and affordable Denver homeowners insurance.

Cost of Homeowners Insurance in Colorado

  • National yearly premium average: $1,034
  • Colorado yearly premium average: $1,038
  • 18th most expensive premium in the U.S.

There are a few basic coverages your homeowners policy should have, such as building property, home contents and liability. But did you know that your insurance should also be personalized to your unique home and claims history? Trusted Choice agents will ask you about factors like your property's location, building materials, liability hazards and value to ensure you're receiving a policy that addresses your specific risks.

Denver Second Home and Vacation Home Insurance

Denver is a haven for outdoor lovers and those looking to escape from their daily lives. That's why it's a hot spot for second and vacation homes. But these properties often require more coverage than your primary residence, since they're likely vacant more often or see a few renters throughout the year. If you have a secondary residence in the Denver area, talk to a Trusted Choice agent about your insurance options.

Number of Thefts in Colorado

  • National average number of burglaries: 37,814
  • Colorado average number of burglaries: 25,081

Generally, Colorado and Denver are safe communities, but a break-in or home theft can happen without warning — despite any precautionary steps you may take. The only surefire way to be properly protected is with a homeowners insurance policy that covers broken windows and stolen personal property. Let a Trusted Choice agent give you the specifics and tell you how installing a security system can get you a discount.

Number of Catastrophes in Colorado

  • Number of catastrophes in Colorado: 343
  • Number of tornadoes in Colorado: 52
  • Amount of property damage in Colorado: $215,290,000
  • 1 in 15 insured homes has a claim each year

Considering nearly 6% of responsible homeowners reports damage from Mother Nature, you can't afford to skimp on coverage against weather-related risks. Be insured against accidental fires, unexpected flooding, bad winter storms and unwelcome high winds. Your local Trusted Choice agent can find you a policy with sufficient structure and contents coverage so rebuilding or repairs can be made in a timely manner after an accident.

What Are the Risks in Denver?

Colorado homeowners' biggest risks? Wildfire and hail. Although Denver residents won't see wildfires, it's important to know what's out there so you can plan appropriately. Winter is the biggest culprit of damage resulting in claims — affecting roofs, foundations and general properties. Ensure your Denver home insurance policy fully covers these hazards, and talk to a Trusted Choice agent to learn more.

Compare Denver Home Insurance Quotes

It's easy to find comprehensive, affordable and personalized Denver homeowners insurance with a Trusted Choice Independent Insurance Agent. Locate your Denver-based agent today to get the process started. Our agents will answer your questions, give you numerous quotes to choose from and be there every step of the way — even after the initial purchase and especially if a claims scenario comes up. Let us help you feel secure in your own home.

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