Updated: December 17, 2024
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In Denver, Colorado, Auto-Owners Insurance is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. These companies cater to different needs, so we recommend choosing a provider based on what is important to you.
Choosing the best cheap home insurance depends on your individual needs, preferences, location, and budget.
Best HomeInsuranceDenver, COTable of Contents
Why Trust MoneyGeek? We used data from Colorado's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Denver, ensuring our recommendations are reliable.
Home insurance rates in Denver represent the most competitive quotes as of September 2024.
MoneyGeek found that Auto-Owners Insurance is the best option for home insurance in Denver, Colorado, for 100K dwelling coverage, with a MoneyGeek score of 96 out of 100. The scores for home insurance companies in Denver range from 43 to 96. These figures reflect MoneyGeek's scoring system, which may differ based on factors like your credit history and the age of your home.
| Auto-Owners Insurance | 96 | $1,033 |
| Chubb | 94 | $1,554 |
| State Farm | 87 | $1,292 |
| American Family | 77 | $2,651 |
| Nationwide | 66 | $2,927 |
| Allstate | 61 | $2,406 |
| Farmers | 43 | $5,183 |
MoneyGeek found that Auto-Owners Insurance is the best option in Denver, Colorado, for 100K dwelling coverage. The two best overall home insurance companies in Denver for $100K dwelling coverage are:
Auto-Owners Insurance stands out as the best home insurance provider because it offers a competitive balance of affordability and customer satisfaction, contributing to its high MoneyGeek score.
In Denver, Colorado, there are a variety of companies with different cost and service experiences, and while cost is crucial, factors like customer service and claims processing are also important, especially during claims.
Auto-Owners Insurance scores high in affordability and satisfaction, making it the best overall company. It offers comprehensive home insurance coverage with options like guaranteed replacement cost and personal property replacement cost. You can save with discounts like bundle and responsible payment. Paying your premiums on time for 36 months can qualify you for the responsible payment discount.
Auto-Owners Insurance provides useful coverages for homeowners. The guaranteed replacement cost ensures your home is fully covered if your limit is too low. Personal property replacement cost covers damage from appliance leaks and more. Equipment breakdown covers failures of home systems like air conditioners and computers.
MoneyGeek found that Chubb offers the best customer service for home insurance in Denver, Colorado, especially for those seeking $100K dwelling coverage. Here are the top two providers for this coverage:
Chubb stands out due to its exceptional customer satisfaction. The company consistently prioritizes customer needs, ensuring a high level of service. Choosing Chubb means you're opting for an insurer that's dedicated to providing top-notch customer care and individualized attention.
Excellent service in home insurance means quick and helpful responses to claims, making sure you feel supported when you need it most.
Chubb is known for its high customer satisfaction, which boosts its MoneyGeek score. It offers comprehensive home insurance coverage with options like guaranteed replacement cost and building ordinance or law. Chubb provides discounts such as new home and home renovation. Homeowners can qualify for these by having a newer or recently renovated home. Chubb's coverage includes cash settlement, which is useful if you decide not to rebuild after a loss. Building ordinance or law helps bring your home up to code after damage. Guaranteed replacement cost ensures your home is rebuilt to its original state, even if costs exceed your policy limit.
MoneyGeek found that Auto-Owners Insurance is the best cheap option in Denver, Colorado, for home insurance with 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When it comes to the average cost of homeowners insurance in Colorado, Auto-Owners Insurance stands out due to its affordability and solid customer satisfaction. However, choosing cheap home insurance often means opting for lower coverage, which might not cover all expenses in case of an accident. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. The best cheap options focus on balancing cost and coverage, unlike the cheapest plans, which only prioritize low costs.
Auto-Owners Insurance scores high in affordability and customer satisfaction. It offers guaranteed replacement cost and scheduled personal property coverages, but lacks some rare options. Discounts like responsible payment and paperless can help you save. Pay your premiums on time to qualify.
Auto-Owners Insurance provides useful coverages like personal property replacement cost, which helps if your things are damaged. Equipment breakdown covers home appliances, and building ordinance or law helps with local rules. With a MoneyGeek score of 98, it's a great choice for affordable and reliable home insurance.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 30, 2024
Homeowners insurance in Denver is influenced by many factors, including location. Comparing rates is the best way to save money, but it can take over an hour, with each comparison taking about 15 minutes. Use MoneyGeek's home insurance calculator to save time. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few other factors for an instant estimate.
Auto-Owners Insurance stands out as the best option in Denver, Colorado, with the cheapest premium and highest MoneyGeek score, making it an excellent choice for $100K dwelling insurance. The key factor that influences your home insurance premiums is the dwelling coverage you select.
Auto-Owners Insurance offers the lowest cost for homeowners insurance in Denver, coupled with great customer satisfaction. This company is the best in many coverage categories based on its affordable rates and high scores. Buying the cheapest homeowners insurance in Colorado helps in keeping your finances stable.
| Auto-Owners Insurance | $1,033 |
| State Farm | $1,292 |
| Chubb | $1,554 |
| Allstate | $2,406 |
| American Family | $2,651 |
| Nationwide | $2,927 |
| Farmers | $5,183 |
Auto-Owners Insurance emerges as the best option in Denver, Colorado, for home insurance for high-value homes. High dwelling coverage is essential because homes that cost more to replace face higher home insurance costs.
Auto-Owners Insurance stands out in Denver, Colorado, not just because of its affordable price but also for having a strong MoneyGeek score. According to MoneyGeek, it offers substantial savings while maintaining high performance compared to other insurance options.
| Auto-Owners Insurance | $3,597 |
| State Farm | $5,620 |
| American Family | $6,762 |
| Allstate | $7,617 |
| Chubb | $11,572 |
| Nationwide | $14,354 |
| Farmers | $16,009 |
Nationwide is the most affordable option in Denver, Colorado, for new homes regarding home insurance.
For those in Denver looking for the lowest premium, Nationwide stands out due to its cost-effectiveness, although its rank is based purely on affordability and not on overall satisfaction or quality.
When choosing a provider, ensure you are adequately covered for your needs.
| Nationwide | $553 |
| Auto-Owners Insurance | $646 |
| State Farm | $772 |
| Chubb | $1,130 |
| Allstate | $1,364 |
| American Family | $2,259 |
| Farmers | $3,925 |
Affordable homeowners insurance providers balance quality and cost by offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Denver depends on your needs. Consider factors like coverage options, customer service, and claim processing. Follow these steps to get the best cheap home insurance:
Determine how much home insurance coverage you need by considering factors like rebuilding costs and personal property value in Denver, Colorado.
Look into insurance companies operating in Denver, Colorado, focusing on their financial health, customer feedback, and service quality.
Once you understand your coverage needs, compare home insurance quotes. In Denver, Colorado, premiums for $100K dwelling coverage range from $1,033 to $2,927 annually.
Inquire about potential discounts from each provider, such as those for bundling, safety features, or maintaining a claims-free history.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford.
Enhance your home’s security with systems and sturdy locks to lower your insurance costs by reducing risk.
A strong credit score can influence your insurance rates in Denver, Colorado. Ensure timely bill payments and manage debt effectively.
Consider combining your homeowners insurance with other policies like auto insurance for potential savings.
The best cheap home insurance provider for you in Denver depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Denver, Colorado.
The average cost of home insurance in Denver is $1,922.
Auto-Owners Insurance offers the cheapest home insurance in Denver with an annual premium of $1,033.
The best home insurance in Colorado for Denver 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 Head of Insurance. 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 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.
