the roof over everything.
Your home policy protects the largest thing you own from Colorado's favorite weapons: hail, wind, fire and water. We compare 10+ carriers with special attention to the roof fine print that decides real claims here.
10+ carriers compared
homeowners insurance, done right.
dwelling & rebuild cost
Insure for what rebuilding costs today — construction inflation has quietly under-insured thousands of Colorado homes.
wind/hail deductibles
Often a percentage of dwelling coverage, not a flat fee. We make sure you know your real number.
water & sewer backup
The most common gap in metro Denver basements — cheap to add, miserable to lack.
good to know, colorado edition.
Roof age changes everything in Colorado: older roofs increasingly get actual-cash-value treatment. If your roof is 10+ years old, this single line in your policy matters more than the premium.
price it for me →
asked constantly.
How much homeowners insurance do I need?
Enough to rebuild — which isn't your purchase price or Zestimate. We run replacement-cost estimates with each carrier and sanity-check them against current construction costs.
Why did my premium jump this year?
Colorado hail losses have pushed the whole market up. The fix is comparison: carriers re-price unevenly, and the cheapest carrier this year is rarely last year's. That's literally what we do at every renewal.
Are impact-resistant shingles worth it?
Usually yes — Class 4 roofs earn ongoing discounts with most carriers and reduce the odds of a deductible-sized loss. Read our hail guide on the blog for the full math.
two minutes to real numbers.
Free homeowners insurance comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.