Colorado home insurance

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Colorado mountains overlooking meadow

Colorado homeowners insurance coverage

Colorado homeowners face many challenges living in the Mountain State. Harsh winters bring frozen pipes, ice dams, and snow. Hot summers mean thunderstorms and hail that unexpectedly damage property. Liberty Mutual understands the needs of Colorado homeowners and offers customized homeowners insurance coverage to fit your specific situation.

What types of homeowners insurance coverages are recommended in Colorado?

The following insurance coverage comes standard with any homeowners policy:

Note that most tornado damage is generally covered under these standard coverage policies.

The following insurance coverages are recommended for homeowners in Colorado:

  • Flood insurance: Homeowners insurance generally does not cover damage caused by floods, including flash floods which can be a significant problem in Colorado due to its many canyons, rivers, and melting snow. In recent years Colorado has also experienced increased flooding due to wildfires which leave the land unable to absorb water as efficiently. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas.

    Liberty Mutual offers flood insurance in partnership with the National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA). While flood insurance needs to be purchased separately and is often optional, it may be required to secure a home loan if you live in a high-risk flood area.

  • Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a wildfire, this coverage will cover the cost of brand-new replacement items.

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The following optional homeowners insurance coverages should be considered by all homeowners in Colorado:

  • Blanket Jewelry
  • Escape of Water
  • Inflation protection

Wildfire Response Benefit for Colorado Policyholders

We are excited to offer a wildfire response benefit at no additional cost to all Liberty Mutual Colorado homeowner and Landlord Protection® policyholders.

Wildfire Defense Systems (WDS) is the largest insurance wildfire response service in the nation, encompassing a 20-state service area and specializing in wildfire education, risk mitigation and loss prevention, and wildfire response services. Customers will be automatically enrolled and have the option to opt out if they wish to do so.

Is homeowners insurance required by law in Colorado?

No, homeowners insurance isn't required by law in Colorado, but your mortgage company will most likely require it in order to get a loan.

What is the average cost of homeowners insurance in Colorado?

The average cost of homeowners insurance in Colorado is $2,098 per year according to NerdWallet.2 That's 29% higher than the national average. However, this rate may be higher or lower for you depending on the value and age of your home, the coverage you select, your claims history, and a wide variety of other factors.

Still unsure about your homeowners insurance policy options?

Tell us your zip code and we'll suggest coverage options that may be a good fit for where you live in Colorado.


Discounts that help you save


Online Purchase Discount

You could save instantly when you purchase your policy online.

Bundle and Save

You could save $950 on customized auto and home insurance.

Newly Purchased Home

Congrats on your new home! Enjoy some celebratory savings with your policy.

Ready to start a homeowners quote online?

Get a quote in minutes. Here's what you'll need:

  • Basic information about your property
  • Basic information about you, any co-owners, and occupants
  • Ownership or mortgage status
  • Details about your home's construction and any safety features
  • If you have an existing homeowners insurance policy

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1Depending on where you live, you may be able to opt out of this coverage if you participate in your state's FAIR insurance plan for high-risk areas.
2Dollar values represent averages displayed on NerdWallet's website as of October, 2022.
Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
$950 Auto & Home Savings Figure: Average savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual between 10/2021 and 09/2022. Savings may vary. Comparison does not apply in MA.