Enter your ZIP code:

Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise

Here in Colorado, we see a wide variety of weather-related upheavals. From wildfire to rockslides to snow; we get it all, and our homes bear the brunt.

At InsureMe, we know you want to safeguard your home with the best protection at the best price. With our free referral service, you can do exactly that. Just enter your information to the right and receive up to five free quotes on Colorado home insurance today!


Home Insurance Tips to Follow

When shopping for Colorado home insurance, be sure to follow these tips to get the most protection for your bottom dollar:

Compare Quotes—use InsureMe's free referral service to compare up to five quotes at a time.

Understand Your Policy—pay close attention to the "exclusion" section of your policy to avoid any surprises if you need to file a claim.

Increase Your Deductible—increasing the amount you pay out of pocket will lower your premium. Just be sure you select a deductible you can afford.

Ask about Discounts—you may receive discounts for installing smoke detectors or electronic security systems.

Optimize Your Coverage—design your coverage around the replacement cost of your home, rather than the actual cash value.

Consider Extra Coverage—remember that Colorado homeowners insurance does not include flood coverage. For more information, check out our article on flood insurance.

Remember these tips; write them down or print them out if you have to. Following them will ensure that you receive optimum coverage for minimum price.

Important Information about Colorado Home Insurance

Colorado homeowners insurance is a "package policy." This means it protects your home from certain perils (as specified in your policy) and protects you from damages if someone was injured on your property.

If you have financed the purchase of your home through a financial institution, your lender will probably require you to carry some form of Colorado homeowners insurance. After you pay off your loan, you may cancel your policy without penalty—but doing so leaves your home and your wallet vulnerable for loss.

Types of Colorado Home Insurance

While there are multiple forms of Colorado home insurance, the most commonly purchased forms are called HO-3, HO-4 and HO-6:

  • HO-3-provides protection to your dwelling and personal property in the dwelling after loss or damage. It also covers damages to another person for which you are liable.
  • HO-4-commonly referred to as "renter's insurance," HO-4 covers the personal property and liability of tenants.
  • HO-6-provides protection for condominium-unit owners, and is designed to cover personal property and liability, the interior portion of the condominium and the loss of use.

A Word about HO-3

HO-3 covers perils such as fire, hail, vandalism, theft and windstorm. You may also purchase additional liability coverage for injury to others or damage to the property caused by you or other members of your family.

When you purchase HO-3 insurance, it is important to insure your home at 100 percent of the replacement cost value to maximize your protection. It is also recommended that you recalculate this value annually.

Remember, there may be other forms of Colorado home insurance available; be sure to discuss your needs with your agent to find suitable coverage for your abode.

Find Colorado Home Insurance Today!

Now that you've boned up on Colorado home insurance, it's time to put your knowledge to the test and get your free quotes! Just fill out the box to the left and receive your quotes today!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6532
54 Wisconsin Home Insurance youcomparequotes 6815
53 West Virginia Homeowners Insurance youcomparequotes 6402
52 Washington, D.C. Home Insurance youcomparequotes 8036
51 Washington Home Insurance youcomparequotes 6122
50 Virginia Home Insurance youcomparequotes 6344
49 Vermont Homeowners Insurance youcomparequotes 6763
48 Utah Homeowners Insurance youcomparequotes 6102
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7084
46 Texas Home Insurance Quotes youcomparequotes 6573
45 Tennessee Homeowners Insurance youcomparequotes 8192
44 South Dakota Homeowners Insurance youcomparequotes 6829
43 South Carolina Homeowners Insurance youcomparequotes 6147
42 Rhode Island Homeowners Insurance youcomparequotes 6353
41 Pennsylvania Home Insurance Quotes youcomparequotes 6545
40 Oregon Home Insurance Quotes youcomparequotes 12682
39 Oklahoma Homeowners Insurance youcomparequotes 6573
38 Ohio Home Insurance Quotes youcomparequotes 6852
37 North Dakota Homeowners Insurance youcomparequotes 6295
36 North Dakota Home Insurance youcomparequotes 6186
35 North Carolina Homeowners Insurance youcomparequotes 10647
34 New York Home Insurance Quotes youcomparequotes 6857
33 New Mexico Homeowners Insurance youcomparequotes 6677
32 New Jersey Home Insurance youcomparequotes 6242
31 New Hampshire Home Insurance youcomparequotes 6321
30 Nevada Home Insurance youcomparequotes 6455
29 Nebraska Home Insurance youcomparequotes 6298
28 Montana Home Insurance youcomparequotes 6657
27 Missouri Home Insurance Quotes youcomparequotes 6337
26 Mississippi Home Insurance youcomparequotes 6420
25 Minnesota Home Insurance Quotes youcomparequotes 6582
24 Michigan Home Insurance Quotes youcomparequotes 6681
23 Maryland Home Insurance youcomparequotes 6582
22 Maine Homeowners Insurance youcomparequotes 6393
21 Louisiana Homeowners Insurance youcomparequotes 6717
20 Kentucky Homeowners Insurance youcomparequotes 6189
19 Kentucky Home Insurance youcomparequotes 6543
18 Kansas Homeowners Insurance youcomparequotes 6770
17 Iowa Homeowners Insurance youcomparequotes 6225
16 Indiana Homeowners Insurance youcomparequotes 6584
15 Illinois Home Insurance Quotes youcomparequotes 7254
14 Idaho Home Insurance youcomparequotes 6387
13 Hawaii Home Insurance youcomparequotes 6392
12 Georgia Home Insurance youcomparequotes 6550
11 Florida’s Home Insurance Headache youcomparequotes 7743
10 Florida Home Insurance Quotes youcomparequotes 6509
9 Delaware Home Insurance youcomparequotes 6076
8 Connecticut Homeowners Insurance youcomparequotes 6373
» Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 10938
6 Colorado Home Insurance Information youcomparequotes 6984
5 California Home Insurance youcomparequotes 6584
4 Arkansas Home Insurance youcomparequotes 6562
3 Arizona Home Insurance Quotes youcomparequotes 7624
2 Alaska Homeowners Insurance youcomparequotes 6273
1 Alabama Homeowners Insurance youcomparequotes 6203
XE Login