In Boulder, Colorado, Auto-Owners Insurance is the best all-around choice for home insurance and also offers the cheapest policy. For top customer service, Chubb is the best option. These companies cater to different needs, so selecting the best cheap home insurance depends on factors like budget, service quality and coverage requirements.
Best and Cheapest Home Insurance in Boulder, CO (2025)
Updated: January 9, 2025
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Best HomeInsuranceBoulder, COTable of Contents
Best Overall - Auto-Owners Insurance
Best for Service - Chubb
Best Cheap - Auto-Owners Insurance
Cheapest Overall - Auto-Owners Insurance
Cheapest for High-Value Homes - Auto-Owners Insurance
Cheapest for New Homes - Nationwide
Why Trust MoneyGeek? We used data from Colorado's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Boulder. Our recommendations are based on solid industry standards.
Home insurance rates in Boulder represent the most competitive quotations as of September 2024.
2,937,600Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Boulder, CO
MoneyGeek found that Auto-Owners Insurance is the best option for home insurance in Boulder, Colorado, with a MoneyGeek score of 96 out of 100 for 100K dwelling coverage. The scores for home insurance companies in Boulder, Colorado, vary from 43 to 96. These numbers come from MoneyGeek's scoring system, which can differ based on your credit history and your home's age, among other things.
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Auto-Owners Insurance | 96 | $1,034 |
| Chubb | 93 | $1,462 |
| State Farm | 87 | $1,248 |
| American Family | 79 | $1,978 |
| Nationwide | 68 | $2,144 |
| Allstate | 61 | $1,921 |
| Farmers | 43 | $3,822 |
Overall Best Home Insurance in Boulder, CO
MoneyGeek found that Auto-Owners Insurance is the best home insurance option in Boulder, Colorado, for $100K dwelling coverage. The two best overall home insurance companies in Boulder for $100K dwelling coverage are:
- Auto-Owners Insurance: MoneyGeek score of 96 out of 100 ($1,034 per year)
- Chubb: MoneyGeek score of 93 out of 100 ($1,462 per year)
Auto-Owners Insurance stands out as the best home insurance provider because it offers affordability and high customer satisfaction scores.
In Boulder, Colorado, there are many companies offering different cost and service experiences. While cost is important, consider customer service and coverage options as these factors are crucial when making claims.
Best OverallAuto-Owners Insurance
MoneyGeek Score:
96/ of 100
Overview
Auto-Owners Insurance scores high in affordability and satisfaction, making it a top choice. It offers comprehensive home insurance coverage with options like guaranteed replacement cost and scheduled personal property. You can save with discounts like responsible payment, which you get by paying on time for 36 months.
Auto-Owners Insurance provides valuable coverages for homeowners. Guaranteed replacement cost ensures your home is fully covered if your policy limit is too low. Scheduled personal property covers special items like jewelry. Personal property replacement cost protects against damage from appliance leaks. These coverages offer peace of mind for homeowners.
Best Home Insurance for Customer Service in Boulder, CO
MoneyGeek found that Chubb is the best option for homeowners seeking top customer service in Boulder, Colorado, for $100K dwelling coverage.
- Chubb: MoneyGeek score of 96 out of 100 ($1,462 per year)
- Auto-Owners Insurance: MoneyGeek score of 92 out of 100 ($1,034 per year)
Chubb stands out as the best because of its high customer satisfaction scores, which reflects their commitment to serving you well. Their comprehensive coverage options cater to various needs, ensuring you have the essential protection. Homeowners in Boulder, Colorado, should consider Chubb for reliable support and a trusted partnership.
Excellent service in home insurance means providing timely assistance and a straightforward claims process.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb scores high on MoneyGeek due to its great customer satisfaction and coverage. It offers guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like New Home and Home Renovation. For example, you get a discount if your home is 10 years old or less.
Chubb offers useful coverages like cash settlement, which lets you get money if you decide not to rebuild. Personal property replacement cost covers your stuff without losing value. Risk consulting gives you tips to keep your home safe. These coverages help protect your home and belongings.
Best Cheap Home Insurance in Boulder, CO
MoneyGeek found that Auto-Owners Insurance is the best cheap home insurance option in Boulder, Colorado. The top two best cheap insurance providers for $100K dwelling coverage are:
- Auto-Owners Insurance: MoneyGeek score of 98 out of 100 ($1,034 per year)
- Chubb: MoneyGeek score of 92 out of 100 ($1,462 per year)
When it comes to the average cost of homeowners insurance in Colorado, Auto-Owners Insurance stands out for its affordability and solid coverage options, which contribute to its high MoneyGeek score. However, choosing cheap home insurance often means getting less coverage. This might save you money but could be risky if a big accident occurs. In situations where saving on premiums is essential, considering the cheapest homeowner insurance companies might help.
The best cheap insurance is different from the cheapest home insurance because it balances cost with adequate protection, while the cheapest might not cover as much.
Best CheapAuto-Owners Insurance
MoneyGeek Score:
98/ of 100
Overview
Auto-Owners Insurance scores high in affordability and satisfaction. It offers comprehensive home insurance with guaranteed replacement cost and scheduled personal property. You can save with discounts like bundle and responsible payment, which you get by paying on time for 36 months.
Auto-Owners Insurance provides useful coverages like guaranteed replacement cost, which helps if your coverage limit is too low. Scheduled personal property covers more personal items, and personal property replacement cost protects against appliance leaks and more.
Estimate Your Boulder Home Insurance Costs Online
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$220
High
$144
Average
$104
Low
Rates updated:
Jan 22, 2025
Homeowners insurance in Boulder depends on many factors, including location. To find the best rates, comparing rates is key, but it can take time. You might spend 15 minutes per company, which means comparing three or more could take over an hour. The MoneyGeek's home insurance calculator helps you save time by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few other details for an estimate.
Cheapest Home Insurance in Boulder, CO
MoneyGeek found that Auto-Owners Insurance is the best option in Boulder, Colorado, offering the most affordable home insurance with high scores.
- For 100K Dwelling Coverage: Auto-Owners Insurance: $1,034 per year
- For 250K Dwelling Coverage: Auto-Owners Insurance: $1,849 per year
- For 500K Dwelling Coverage: Auto-Owners Insurance: $2,856 per year
Auto-Owners Insurance stands out as the cheapest homeowners insurance in Boulder, Colorado, given the lowest cost and high scores. When you opt for a particular level of "dwelling coverage," it determines your premium. For 250K coverage, Auto-Owners Insurance remains the most cost-efficient provider, offering reliability and affordability. Similarly, for 500K coverage, it offers the best rates while maintaining a decent score. Buying a cheap home insurance in Colorado can aid in managing finances, and you can discover more about getting the cheapest homeowners insurance in Colorado.
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Coverages:$100K Dwelling
| Auto-Owners Insurance | $1,034 |
| State Farm | $1,248 |
| Chubb | $1,462 |
| Allstate | $1,921 |
| American Family | $1,978 |
| Nationwide | $2,144 |
| Farmers | $3,822 |
Cheapest Home Insurance for High-Value Homes in Boulder, CO
Auto-Owners Insurance is the best option for high-value homes in Boulder, Colorado. Higher dwelling coverage is essential for homes that cost more to replace, as
- Cheapest for $750K Dwelling Coverage: Auto-Owners Insurance: $3,496 per year
- Cheapest for $1M Dwelling Coverage: Auto-Owners Insurance: $5,994 per year
Auto-Owners Insurance stands out in Boulder, Colorado, by offering competitive pricing for high-value home coverage. According to MoneyGeek, it not only provides affordability but also ranks the highest in satisfaction among available options, making it a solid choice for homeowners.
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Coverages:1 - 750K dwelling
| Auto-Owners Insurance | $3,496 |
| American Family | $5,133 |
| State Farm | $5,433 |
| Allstate | $5,844 |
| Nationwide | $10,347 |
| Chubb | $10,520 |
| Farmers | $11,822 |
Cheapest Home Insurance for New Homes in Boulder, CO
Nationwide offers the cheapest home insurance for new homes in Boulder, Colorado.
- Cheapest for $100K Dwelling Coverage: Nationwide: $525 per year
- Cheapest for $250K Dwelling Coverage: State Farm: $864 per year
- Cheapest for $500K Dwelling Coverage: Allstate: $1,422 per year
Nationwide stands out because it has the lowest cost for $100K dwelling coverage in Boulder, Colorado. While it is the cheapest, it may not always be the best option based on additional factors like personalized service or other specific needs.
It's important to ensure you are adequately covered in addition to seeking affordable options.
Data filtered by:Results filtered by:
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Coverages:1 - $100K Dwelling
| Nationwide | $525 |
| Auto-Owners Insurance | $657 |
| State Farm | $746 |
| Chubb | $1,065 |
| Allstate | $1,116 |
| American Family | $1,674 |
| Farmers | $2,906 |
How to Find the Best Home Insurance for You in Boulder, CO
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Boulder depends on your needs. Consider factors apart from premiums, like location and provider reputation. Follow these steps to get best cheap home insurance: compare quotes, assess coverage options, and check provider reviews.
- 1
Evaluate Your Insurance Needs
In Boulder, Colorado, assess what coverage you need. Consider rebuilding costs, personal property value, and liability needs to determine how much home insurance coverage you need.
- 2
Compare Different Providers
Look into insurance companies operating in Boulder. Seek those with good financial health, positive customer feedback, and a reputation for quality service.
- 3
Compare Coverage and Costs
After identifying your coverage needs, compare home insurance quotes. In Boulder, Colorado, premiums for $100K dwelling coverage range from $1,034 to $1,921 annually.
- 4
Ask About Discounts
Inquire with each insurer about potential discounts, such as those for bundling policies, implementing safety features, or maintaining a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it’s an amount you can pay if needed.
- 6
Improve Home Security
Enhancing your home’s security with systems and sturdy locks can lower your home’s risk profile and potentially reduce insurance costs.
- 7
Maintain Good Credit
A good credit score can impact your insurance rates in Boulder, Colorado. Ensure timely bill payments and minimize outstanding debt.
- 8
Bundle Policies
Consider combining your homeowners insurance with other policies like auto insurance to access discounts and save money.
FAQ: Best Cheap Home Insurance in Boulder, CO
The best cheap home insurance provider for you in Boulder ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about best cheap insurance rates in Boulder, Colorado.
Understanding your needs and budget will guide you to the right choice.
How much is home insurance in Boulder, Colorado, on average?
The average home insurance premium in Boulder, Colorado, is $1,551.
What is the cheapest home insurance company in Boulder, Colorado?
The cheapest home insurance company in Boulder, Colorado, is Auto-Owners Insurance with an annual premium of $1,034.
What is the best home insurance company in Boulder, Colorado?
The best home insurance in Colorado for Boulder residents is provided by Auto-Owners Insurance, with a MoneyGeek score of 96 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned 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 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.