Home insurance in Colorado
Protect your home with top-rated coverage that could save you money.
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does homeowners insurance cover in Colorado?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Personal property
for your personal belongings that make your house a home.
Other structures
for things like your detached garage or shed.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in Colorado
You can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security or fire alarms (available for nonmobile homes).
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
Common questions about Colorado home insurance
What’s the average cost of home insurance in Colorado?
The average cost of Colorado home insurance premiums is $1,802 per year, according to the latest data from the National Association of Insurance Commissioners in 2021, but many states have seen significant price increases since then. Colorado is the sixth most expensive state for home insurance because of the high risk of hailstorms and wildfires. The cost of your premium will also depend on your home’s location and other characteristics.
Is home insurance required in Colorado?
No states require home insurance by law, but almost all mortgage lenders do. Even if your lender doesn’t require home insurance, it’s a good financial investment that can save you thousands of dollars in out-of-pocket repair costs.
What factors affect home insurance rates in Colorado?
Like other western states, Colorado’s home insurance rates are influenced by annual wildfire and hailstorm risks. Your own insurance rates will depend on where you live in the state, the age of your home, your home’s characteristics, and other factors.
What type of home insurance coverages are recommended in Colorado?
Sometimes referred to as wildfire insurance, Colorado homeowners should check to ensure their home insurance policies include coverage for damage caused by wildfires, given how frequently they occur in the Centennial State. The policies we offer in Colorado come with wildfire coverage automatically.
Coloradans are also eligible for our Signature Coverage Collection for high-value homes.
}}?auto=webp&width=590&height=390&crop=59:39)