Affordable Home Insurance in Colorado
Homeowners insurance built for Colorado hail, wind, and wildfire. I compare 14+ carriers and explain your deductible in plain English before you buy.
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Call or text 720-984-7311 Get a free quoteWhat Colorado homeowners need to know
Colorado sits in one of the most hail-prone parts of the country, and that shows up in home insurance. Before you compare prices, compare these three things, because they're where policies really differ.
- Wind and hail deductible. Flat dollar amount or a percentage of your dwelling limit?
- Roof coverage. Replacement cost or actual cash value, especially on older roofs.
- Dwelling limit. Enough to rebuild at today's Colorado construction costs, not what you paid.
What a homeowners policy covers
- Dwelling. The structure of your home: roof, walls, built-ins.
- Other structures. Detached garage, shed, fence.
- Personal property. Furniture, electronics, clothing, and more.
- Loss of use. Hotel and living costs if a covered loss forces you out.
- Personal liability. If someone's hurt on your property or you damage someone else's.
- Medical payments. Small medical bills for guests, regardless of fault.
Save by bundling
Most carriers give you a multi-policy discount when your home and car are together. Since I already compare car insurance across 14+ carriers, I can show you the bundled price and the best split option side by side, and you pick.
What clients say
Grace was very personable and understanding. She can get you very competitive rates and take care of you thru the whole process. I highly recommend her for your insurance needs!
She was super professional, punctual and she has the BEST rates in Denver!! Thank you so much, she helped me super fast too!!
Grace saved me so much money on my insurance, I've been with her for years!
Grace DeMichelis is absolutely wonderful to work with!
Very knowledgeable and helpful and got me the best price insurance coverage.
Home insurance from top-rated carriers
As an independent broker, I shop 14+ top-rated companies so you don't have to.
- Bristol West
- Liberty Mutual
- Kemper
- Foremost
- Branch Insurance
- Burns & Wilcox
- Berkshire Guard
- Mercury Insurance
- Safeco
Fox Insurance Brokerage is not affiliated with or endorsed by any insurance carrier. Carrier availability varies by driver, property, and situation.
Home insurance questions
How much is home insurance in Colorado?
It depends on your home's rebuild cost, roof age and material, location, wildfire and hail exposure, claims history, and deductible. Colorado is a high-hail state, so prices vary a lot between carriers. I compare them for you.
Does homeowners insurance cover hail damage in Colorado?
Most policies cover hail and wind, but many Colorado policies carry a separate wind/hail deductible, often a percentage of your dwelling coverage. Some older roofs are covered at actual cash value instead of replacement cost. I'll explain both before you buy.
What's a percentage deductible?
Instead of a flat amount like $1,000, your wind/hail deductible is a percentage of your dwelling limit. On a $400,000 dwelling limit, a 1% deductible is $4,000. Know this number before a storm, not after.
Does home insurance cover wildfire?
Standard homeowners policies generally cover fire, including wildfire. In higher-risk areas, some carriers limit what they'll write, which is why shopping several companies matters.
Does homeowners insurance cover flooding?
No. Flood is a separate policy. If you're near a creek or in a low area, ask me about flood coverage.
Can I bundle home and car insurance?
Yes. Most carriers discount both policies when you bundle. I'll quote it bundled and separately so you see the real savings.
Protect your home.
Send me your current declarations page and I'll compare it line by line.
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